Afni, Inc. (formerly known as Anderson Financial Network), has been in business for close to eight decades. Based in Bloomington, Illinois, the company also has offices in Opelika, Alabama; Evans, Colorado; Bowling Green, Kentucky; Normal, Illinois; three locations in Tucson, Arizona; and two locations in the Philippines. Afni employs over 5,000 people, and engages in both first- and third-party collections. Afni also is a debt buyer, and from comments on consumer discussion boards, it appears that Afni at one time purchased a portfolio of old debt from Verizon.
Unfortunately, many consumers don’t know that after a certain amount of time (which varies from state to state), debt collectors can’t take you to court to collect on a debt. If you believe that Afni or any debt collector is trying to take you to court over debts that are past the statute of limitations, or are trying to trick you into paying a small amount to “reset the clock” on a time-barred debt, contact a fair debt attorney to discuss your options.
Online consumer discussion boards are rife with Afni complaints. Surprisingly, as of March 2013, the Better Business Bureau accorded Afni an A+ rating, even though the BBB had logged 911 closed Afni complaints over the three previous years, including 328 closed Afni complaints over the previous 12 months. In the first three months of 2013, there were nine lawsuits filed in federal court alleging that Afni violated the Fair Debt Collection Practices Act.
Stop AFNI Harassment
If you’re being subjected to Afni harassment, or want to stop Afni harassment calls, first take a deep breath. Then, when Afni calls, ask for documentation of the debt in writing — even if you know the debt is yours to pay. If you request documentation, Afni must not discuss the debt until you receive the documents and review them. In other words, Afni harassment calls will stop. If they don’t, it’s important that you don’t respond to additional calls until Afni verifies the debt. It may be worthwhile to contact an experienced debt collection harassment lawyer to discuss your rights. The Fair Debt Collection Practices Act states that, within five days after you are first contacted, Afni — or any debt collector — must send you a written notice detailing the amount of money you owe and the name of the creditor to whom the debt is owed.
When you receive the documentation from Afni, look over the paperwork carefully and make sure you are obligated to pay the debt. It very well could be that the debt that is so old that the statute of limitations has run out. Be careful about acknowledging that the debt is yours, and don’t succumb to pressure to pay even a small amount. If the debt is past the statute of limitations, doing so will “restart the clock,” and make the debt current again, and thus eligible for legal action.
Afni Contact Information
404 Brock Drive
Bloomington, IL 61702-3427
Afni Phone Number: 800-767-2364
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