AFNI ripoff will not give me an address to send certified letter Internet

Its true that in most cases simply paying a collection can actually hurt your credit score by making the reported date on your credit report more current, thus making the account appear more recent for  fico scoring purposes (there is a way to pay your collections and a way not to) and making any payment resets the sol which of course varies from state to state and depends on the kind of debt itself NOTHING can reset the 7 year CRTP (credit reporting time period) that is based on DOFD (Date Of FIRST delinquency) The DOFD can not under any circumstances be changed  and to do so is considered illegal re aging and is punishable by law.

No I am not an employee of a collection agency BUT I do work in the credit industry.

If my post makes no sense I am sorry it is 3:15 am where I live and I am tired.

To whom it may concern:

I am aware that this report is old, but I ran across it today while doing some research on this company for which I used to work, and some of the comments left needed to be addressed in my opinion.

To those who automatically assume that all people who work(ed) for AFNI are morons: please stop your assumption right there. I know many people who work for the company or used to work for the company who have graduated from accredited institutions, and are quite intelligent, myself among the latter (although not the former; that's getting corrected in the near future, though). I (among others, I'm sure) don't appreciate the unnecessary insults and implications that anyone who works for this company is uneducated or stupid. In fact, at least in my town, AFNI is a great-paying place of employment for college students, and doesn't demand any time outside of the time you are actually working, which allows said college students to focus on their studies while not at work.

In addition, I suggest that those of you who posted opinions about this who weren't employees either past or present research the company before spouting off at the mouth about it. Collections is only one aspect of what AFNI does. They also do cellular customer service for many companies, their biggest client being Verizon Wireless. They are an outsourcer; this means that they sell their services to a client, and then do basically whatever that client asks of them. They have little control over whether the contract they get is a collections one, a customer service one, or something else. But I would definitely advise you to research your material before tearing the company down.

I would also like to point out that this post has been made without insulting the people who have put it down. Personal attacks in situations like these are unnecessary, and if you can't keep those to yourself then you shouldn't post at all.

Your no-so-friendly-right-now neighborhood customer service guru,
Ashe

To whom it may concern:

I am aware that this report is old, but I ran across it today while doing some research on this company for which I used to work, and some of the comments left needed to be addressed in my opinion.

To those who automatically assume that all people who work(ed) for AFNI are morons: please stop your assumption right there. I know many people who work for the company or used to work for the company who have graduated from accredited institutions, and are quite intelligent, myself among the latter (although not the former; that's getting corrected in the near future, though). I (among others, I'm sure) don't appreciate the unnecessary insults and implications that anyone who works for this company is uneducated or stupid. In fact, at least in my town, AFNI is a great-paying place of employment for college students, and doesn't demand any time outside of the time you are actually working, which allows said college students to focus on their studies while not at work.

In addition, I suggest that those of you who posted opinions about this who weren't employees either past or present research the company before spouting off at the mouth about it. Collections is only one aspect of what AFNI does. They also do cellular customer service for many companies, their biggest client being Verizon Wireless. In addition, they are an outsourcer; this means that they sell their services to a client, and then do basically whatever that client asks of them. They have little control over whether the contract they get is a collections one, a customer service one, or something else. But I would definitely advise you to research your material before tearing the company down.

I would also like to point out that this post has been made without insulting the people who have put it down. Personal attacks in situations like these are unnecessary, and if you can't keep those to yourself then you shouldn't post at all.

Your no-so-friendly-right-now neighborhood customer service guru,
Ashe

Dear Steven,

My reply was a reply to a post, pretty much like sending a long instant message. My M.O. (main objective) was not to type my reply then go over it in WORD to do a spell check and puncuation, etc. It was simply to get my point across. and it seems like i did.

Note both of your replies was to how i went to "Hooked on phonics university" lol thats so juvenile. So you pretty much focused on how you felt grammar was not up to par. but it sounds like you avoided what my whole message was about because you know I right.

p.s. Why don't you spell check this reply too, I think I left a couple uncapitalized I's and a few commas too. LMAO (**** steve what a lame)

Your friend,
T.J. Normal, Il

Dear Steven,

My reply was a reply to a post, pretty much like sending a long instant message. My M.O. (main objective) was not to type my reply then go over it in WORD to do a spell check and puncuation, etc. It was simply to get my point across. and it seems like i did.

Note both of your replies was to how i went to "Hooked on phonics university" lol thats so juvenile. So you pretty much focused on how you felt grammar was not up to par. but it sounds like you avoided what my whole message was about because you know I right.

p.s. Why don't you spell check this reply too, I think I left a couple uncapitalized I's and a few commas too. LMAO (**** steve what a lame)

Your friend,
T.J. Normal, Il

Dear Steven,

My reply was a reply to a post, pretty much like sending a long instant message. My M.O. (main objective) was not to type my reply then go over it in WORD to do a spell check and puncuation, etc. It was simply to get my point across. and it seems like i did.

Note both of your replies was to how i went to "Hooked on phonics university" lol thats so juvenile. So you pretty much focused on how you felt grammar was not up to par. but it sounds like you avoided what my whole message was about because you know I right.

p.s. Why don't you spell check this reply too, I think I left a couple uncapitalized I's and a few commas too. LMAO (**** steve what a lame)

Your friend,
T.J. Normal, Il

T.J.,

This is the typical uneducated DEBT COLLECTOR response I love! Let me get something straight..

You come on here and rebutt the posts on this thread and indicate how educated you are.

However, it is YOUR post that is FULL of spelling, punctuation, and capitalization errors, as well as improper grammar and word usage. It appears that you did not even complete high school, much less college. How can you get into college when you are functionally illiterate?

Here is what you wrote, and I just put [] around each error to demonstrate your proclaimed level of education, while putting us down and correcting us. Her it is:

>>You wrote:

"Its funny how the people on here that are crying about being in collections use automatically refer to the employees that reply on here as being stupid, uneducated, crack heads (lol), etc. without even knowing who that individual is personally. [t]hat is just what you use angry response to that person because you are mad at your situation.

[lol ]and let me set it straight before [i] get the same ignorant responses to my reply saying that [i] need to get on phonics or [im] a drug addict (it is funny though [id] have to say) but [i] am a recent graduate from [i]llinois [s]tate beginning to work on my [masters] next semester. [s]o uneducated that [HA! i] just so happen to be a debt collector at this time.

But you guys are on here saying these are tricks and lies and whatever. [i]f this was a trick or a game you would[nt] be on here crying about your credit report and if we were so [fruadulent] and all this why would [Afni] still be in business. for 70+ years.**[They have not been around as AFNI for 70 years]**

[im] not on here to knock anyone for having debts because [i] get calls everyday on my cell phone (while im at work collecting debts) from other collection agencies because [i] owe a few [debts NO i have not paid them], and YES [i] never answer the phone when they call because [i] know who and what it is about, but YES [i] am responsible and [i] will be taking care of them when [i] am financially able to.

[t]he fact of the matter is you owe a debt if you like it or not, if [its] from last year or 5 years ago its still owed.**[Sorry, NOT true, learn the law]** [afni] just didnt pick your name out of a hat and say "[were] going to call this guy and tell him he owes sprint a million dollars [haha"] no your information was giving to us from the creditor that says you owe the debt if you didnt owe anything then we wouldnt be talking to you in the first place.[No puncuation in entire sentence].

[i]f you [truelly] [didng] have an acct[] with [whoever]**WHOMEVER** then that means someone [fruadently] used your name to get it then you would have to file it for [fruad] by [verifing] info, [thats] not our fault somebody used your information.

[f]or the people that say [there] going to get [there] "lawyers" involved and sue and all that [lol] good luck because half of your are lying about having a lawyer in the first place and the other half that does your gonna waste playing the lawyer to go to court for you over a $100 sprint bill you owed, or that you co-signed for on someone and as soon as it goes to court and you lose now your gonna have to pay the bill and the lawyer and the court cost. ~good luck **Multiple cases of missing punctuation in this rambling**

T.J. , [normal, il]. U.S.A.
>>>>>>>>>>>>>>>>>>

How much did you pay for that "education"? I would get a lawyer involved for malpractice and seek a refund immediately.

PS...I beat collectors and collection attorneys on a regular basis, and I have been awarded damages and have been paid. I have also closed down several collection agencies and got 1 lawyer disbarred. You are clueless as to how the real world operates and debtor's rights and the laws that spell them out. You should get some real education before coming on here in an attempt to correct others or set anything straight.

It looks like debt collections is your only option.

T.J.,

Your response was a typical debt collector response, and your own response validated my post! You come on here to put me, and others down and to show how educated you are, college, etc..

However, I don't see how you got into college or even out of high school. You cannot spell, you cannot capitalize or punctuate properly, and you are claiming to be college educated?

Was that "Hooked on Phonics University"?

I rest my case, as you made it for me with your own response!

Its funny how the people on here that are crying about being in collections use automatically refer to the employees that reply on here as being stupid, uneducated, crack heads (lol), etc. without even knowing who that individual is personally. that is just what you use angry response to that person because you are mad at your situation.

lol and let me set it straight before i get the same ignorant responses to my reply saying that i need to get on phonics or im a drug addict (it is funny though id have to say) but i am a recent graduate from illinois state beginning to work on my masters next semester. so uneducated that HA! i just so happen to be a debt collector at this time.

But you guys are on here saying these are tricks and lies and whatever. if this was a trick or a game you wouldnt be on here crying about your credit report and if we were so fruadulent and all this why would Afni still be in business. for 70+ years.

im not on here to knock anyone for having debts because i get calls everyday on my cell phone (while im at work collecting debts) from other collection agencies because i owe a few debts NO i have not paid them, and YES i never answer the phone when they call because i know who and what it is about, but YES i am responsible and i will be taking care of them when i am financially able to.

the fact of the matter is you owe a debt if you like it or not, if its from last year or 5 years ago its still owed. afni just didnt pick your name out of a hat and say "were going to call this guy and tell him he owes sprint a million dollars haha" no your information was giving to us from the creditor that says you owe the debt if you didnt owe anything then we wouldnt be talking to you in the first place.

if you truelly didng have an acct with whoever then that means someone fruadently used your name to get it then you would have to file it for fruad by verifing info, thats not our fault somebody used your information.

for the people that say there going to get there "lawyers" involved and sue and all that lol good luck because half of your are lying about having a lawyer in the first place and the other half that does your gonna waste playing the lawyer to go to court for you over a $100 sprint bill you owed, or that you co-signed for on someone and as soon as it goes to court and you lose now your gonna have to pay the bill and the lawyer and the court cost. ~good luck

T.J. , normal, il. U.S.A.

Anthony,

I never said they singled me out! I know why it happened, but it had nothing to do with my performance on my accounts. I was not maxed out or even close, I never had a late payment for 14 years on anything, or any other derogatories on my credit report, and I had a 735 credit score.

It happened because of changes they make to the account terms and conditions and you have no choice in the matter. That is the problem. They change the terms so they can screw large groups of people and look legitimate while they are doing it.

Although it really doesn't matter, as they lost, I won and its over! All debts but 1 are past SOL, so they cannot legally sue or anything. They are simply out of luck.

I love beating debt collectors! It really is just too easy.

That makes perfect sense Steve. I'm sure that every day creditors decide to double or triple rates for no apparent reason. They probably all got together one day (all 34 of them) and had a "Lets screw Steve" party, for no reason whatsoever. I'm sure it wasn't your fault. That kind of stuff happens all the time, right? One day people wake up, randomly open an account, and say "lets mess with this guy!"

It just so happens that 34 of them all decided to do it to you, randomly, for no reason. What a crazy coincidence. Even crazier is that even in the poor economic state the country is in, valid businesses would want to CHASE AWAY paying customers with fantastic credit!

You provide vauge details and give generalized answers to every question you address. You inform people that bieng demanding, rude, and uncooperative is the way to get things accomplished. How much sense does that really make? How much do you really expect to get accomplished acting in such a fashion? Behavior such as the "advice" you are giving will do nothing but take these consumers complaints right to the bottom of the pile.

Anthony,

You are clueless as to how the real world works, and have no facts about what i did, but I will go over it again just for you.

And..FYI..Cell phone rates have nothing to do with what I did. And I never defaulted on any cell bill anyway, they were all unsecured credit cards.

Now the facts, just for Anthony the scumbag collector from AFNI.

I had the means and desire to pay my bills. I also had perfect credit for 14 years with a 735 credit score and approx a quarter of a million dollars in total credit including a car loan and a credit line I did not walk away from and has been current since this event.

I walked away from 34 creditors who got greedy and stupid. They doubled and even tripled my interest rates simultaneously for no VALID reason. I immediately contacted every creditor and tried working it out. I got a total "take it or leave it" attitude from each. Therefore, I took that as 2 choices. I deceided to leave it.

These big companies are greedy and arrogant and feel they can do whatever they want without penalty. Well, I penalized them for thier arrogance and bad attitude. I let them know that they DO need to deal with the little guy in a fair manner.

I am not a deadbeat. I was a perfect customer. They CHOSE to not do business with me anymore, and they CHOSE to not get paid as a result.

It's all about choices.
Those are the facts junior.

"I have been beating collectors, lawyers and debt buyers for the past 5 years. Not one has collected a dime from me. And none ever will. I am good at what I do, and my track record on 34 accounts valued at $170k that I walked away from speaks for itself. I have beaten hundreds of collectors and 7 lawsuit attempts."

And you call debt collectors scumbags? How many people have you screwed, stole from, lied to, and not paid in the proccess of "walking away from 170k"? People like you are the reason interest rates on home loans, car loans, credit card, and everything else are so high.

You are the reason cell phones costs so much. Because companies have millions of dollars they have to absorb every year from sleezebags who don't pay thier bills. And guess what happens when you don't pay your bill? It goes on your credit report, you get phonecalls every day, your friends and family gets calls about you. Pretty fair trade off in my opinion.

People complain all the time about debt collectors lying to them, ripping them off, how the collector should do all the work to make sure all your information is correct. But guess what, its your life and your credit, not thiers!

If its so important to you that they stop calling and bugging you, then pay them! Its that simple! PAY THE BILLS YOU OWE, and don't listen to scumbags like Steve who proudly exclaims how he has screwed over 30 places of business out of almost $200,000. How would you feel if it was your business he was stealing from? Or anyone else was stealing from for that matter?

Linette,

You are truly uneducated, as are most collectors.

Here are the facts for you on paying ANY collection account. It hurts your score. Period. No exceptions.

Why?, You ask? Your credit score is based on longevity of accounts, positive or negative as one of the factors in your total score. When a debt is in collections the date is based on when it was established with the original creditor, and the SOL for both collections and 7 year negative reporting are from date of last activity, or charge off.

Paying on a collection account re-affirms the account and restarts both the SOL and the 7 year negative account history, as you have actually established a new account with the collector.

Even if it is paid off, it will show as a paid collection for 7 more years. It does not matter how much is paid or if it is paid in full or not.

Learn the facts before correcting someone or providing advice, and go back to school and learn how to read and write. You are a moron. Then go to the ftc.gov website and actually read the FDCPA and the FCRA, or have someone read it to you and explain it.

Go back to your cubicle. You left your hooked on phonics CD unattended and one of you co-workers may steal it to sell to buy more crack. Hurry!

Linette,

You are truly uneducated, as are most collectors.

Here are the facts for you on paying ANY collection account. It hurts your score. Period. No exceptions.

Why?, You ask? Your credit score is based on longevity of accounts, positive or negative as one of the factors in your total score. When a debt is in collections the date is based on when it was established with the original creditor, and the SOL for both collections and 7 year negative reporting are from date of last activity, or charge off.

Paying on a collection account re-affirms the account and restarts both the SOL and the 7 year negative account history, as you have actually established a new account with the collector.

Even if it is paid off, it will show as a paid collection for 7 more years. It does not matter how much is paid or if it is paid in full or not.

Learn the facts before correcting someone or providing advice, and go back to school and learn how to read and write. You are a moron. Then go to the ftc.gov website and actually read the FDCPA and the FCRA, or have someone read it to you and explain it.

Go back to your cubicle. You left your hooked on phonics CD unattended and one of you co-workers may steal it to sell to buy more crack. Hurry!

Linette,

You are truly uneducated, as are most collectors.

Here are the facts for you on paying ANY collection account. It hurts your score. Period. No exceptions.

Why?, You ask? Your credit score is based on longevity of accounts, positive or negative as one of the factors in your total score. When a debt is in collections the date is based on when it was established with the original creditor, and the SOL for both collections and 7 year negative reporting are from date of last activity, or charge off.

Paying on a collection account re-affirms the account and restarts both the SOL and the 7 year negative account history, as you have actually established a new account with the collector.

Even if it is paid off, it will show as a paid collection for 7 more years. It does not matter how much is paid or if it is paid in full or not.

Learn the facts before correcting someone or providing advice, and go back to school and learn how to read and write. You are a moron. Then go to the ftc.gov website and actually read the FDCPA and the FCRA, or have someone read it to you and explain it.

Go back to your cubicle. You left your hooked on phonics CD unattended and one of you co-workers may steal it to sell to buy more crack. Hurry!

Theresa,

A debt buyer is not legally entitled to anything. I laugh at debt buyers and third party debt collectors. It is like a sport that I enjoy, and I am good at it. Linette is a brainless moron. She is certainly in the right business with the other crackheads, alcoholics,gamblers and losers.

There is no bill to pay once the original owner charges it off and takes the tax deduction. It is now nothing but a bad investment. You cannot succesfully sue someone because you made a bad investment. I have used this defense. It works.

Debt buyers are nothing but parasites and should be dealt with accordingly. With that said, Theresa, go back to your cubicle now, as your crack pipe is calling.

I have been beating collectors, lawyers and debt buyers for the past 5 years. Not one has collected a dime from me. And none ever will. I am good at what I do, and my track record on 34 accounts valued at $170k that I walked away from speaks for itself. I have beaten hundreds of collectors and 7 lawsuit attempts.

Bring it on!

It's called PAY YOUR BILLS! You know you had an account with the company in question, and you didn't pay it. So, pay it now, or set up a payment arrangement, and take care of your end of the agreement that you made (however long ago it was) with Cingular, or Verizon, or Sprint, or whoever it was.

If people would just pay their bills and stop expending so much energy trying to get out of them, there wouldn't even be a need for companies like AFNI!!! Please! Put me out a job so I don't have to listen to people like you all cry and whine and LIE all day long!!! PAY YOUR BILLS!!!

To Linette

Based on your comment, I certainly hope that you are NOT being paid more than minimum wage because that's about all your post is worth.

You really should take some night courses on English grammar and spelling. AND, if you will note, people are being contacted by your company and they have NEVER had a bill with the "alleged" creditor. Why should someone pay you under those circumstances?

I must agree with the others. You are some piece of work. I am also very happy that all of my children have graduated from college. At least none of them will have to go to the same schools you went to.

I hope everyone reads linette's post. It is brainless. Could she possibly sound more stupid?
This is exactly the kind of moronic babble and bad attitude collectors expect people to put up with.

Linette, you blather on using your industry insider terms to try to confuse people. And you wonder why we hate you? Your entire business is predicated on tricks and lies. Why don't you explain to us why YOU deserve to get paid anything.

Wow,Afni probably sent u 2 or 3 letters regardng ur debt, u called n off ur cr report w/an attitude. Afni would never not give out our address, 4 the simple fact we want 2 get pd.

The reason Afni is offering you a SIF (settle in full) is 2 help the consumer get out of collections. It is up 2 the cunsumer 2 take up that offer. It's not that we only want 1/2 the bal, we prefer u pay the full bal.

Also it reflects better on you're credit report if u PIF (pay in full)rather than SIF. A PIF will show up as 0 bal where as SIF will shw acct closed 4 lesser amount. So ur cr score goes up more w/PIF rthr than SIF.

As far as Afni reportng bogas accts not true bcause u knw u had the acct & u didnt pay the bll regardless if 5 yrs ago. People r just tryng 2 get out of payng their blls which mks chrgs go up. So quit the complaing & PAY YOUR BILLS

AFNI (Anderson Financial Network Inc) is based at the 404 Brock Avenue address. They do both collection work and recovery for insurance companies.

Good Luck dealing with them. Communication will not be easy. I would suggest all communication be done via some kind of mailing that requires a signature.

Katie,

Post any phone #'s here for us, so we can reverse search and search the internet. I have never heard of this collection agency before.

use whatever you have right now and go to ftc.gov and file a complaint for violations of your rights under the FDCPA.

Collection agencies are required by law to provide full and accurate contact information upon request. They are also required to provide legal names of collectors and principles of the company when requested.

Here is some info from a general web search
Courtesy of complaints.com:
I recieved a letter in the mail from AFNI. /404 Brock Drive/P.O. Box 3427/Bloomington, IL 61702

I looked them up on here and some other people have complained saying they recieved phony bills from this same company. My letter says that Cingular needs around 900 dollars from me but they will accept only half. This makes no sense. I have no idea what they are even talking about. They claim they have made "several" attempts to contact me regarding this matter.

This is the first time I ever got anything by them in my life. Its phony. I have no idea how they got personal information about me but frankly, that scares me a little. Its comforting to know that other people have made the same complaints about this "company". Thank you.

-J .Ross


Here is what I got from the corporate website:
Contact Us

Corporate Headquarters
404 Brock Drive
Bloomington, IL 61702-3097
800.767-2364

For collection-related inquiries, contact our Recovery Team at 1.800.371.3645, by mail at Afni, Inc. PO Box 3517, Bloomington, IL 61701 or by email at: recoveryteam@afninet.com

For media inquiries, contact Corporate Communications at 309.820.2918, or by email at: marketing@afniupsourcing.com


There are alot of results for them on a general internet search.

Good luck

From Who is domain names came up with the following:

Registrant:
American Financial Network
PO Box 176
Gorham, ME 04038
US

Domain Name: AFNI.COM

Administrative Contact :
Kramer, Roger
100@AFNI.COM
PO BOX 176
GORHAM, ME 04038-0176
US
Phone: (207) 839-2561
Fax: (207) 839-4610