Dealing with AFNI Collections
AFNI Collections is a customer lifecycle solutions company that deals in consumer collections, insurance subrogation, and customer growth. The firm was first known as H.A Slaven Collections Bureau when it was established in 1936. It was sold to Earl Anderson in 1976 and then the name was changed to Anderson Financial Network Inc. That is how the acronym AFNI was formed. The firm is headquartered in Bloomington, Illinois and now, there are satellite offices throughout the country.
What Should I Do If ANFI Collections Contacts Me?
If the firm contacts you about a charge off, do not have any discussion on the phone. You should communicate through certified mail. The first thing to do is to make them prove to you that the debt is yours. They can send you a debt validation letter to prove that the debt is actually yours. You should also check if the statute of limitation is still active. There are instances where the creditor may still want to force you to pay the debt even though the statute of limitation has expired. If it has expired, they cannot collect the debt legally. If they are able to prove that the debt is actually yours and it is not time-barred, you should next request for proof that they have been authorized by the original creditor to collect the debt on their behalf. If they are unable to prove that the debt is yours or it is valid, you can file a dispute.
If you actually owe them, tell them that you are willing to pay the full amount for them to remove the accounts from your credit report. You should get a written agreement before you begin to make payments.
It is important to handle the situation before AFNI decides to sue you. This happens every day and many people get sued all the time. Although AFNI wants to get people to pay their debt without going to court, they will go to court when they realize that you are not willing to pay.
What Can ANFI Do Legally if I Do Not Pay My Debt
AFNI can contact you to from 8 am to 9 pm by emails, phone calls, text messages, or letters. Although they can call you during this period, they need to stop if you tell them that you do not like them calling you at work. If your employer disapproves of such calls, they must restrict the calls to your off-work periods but they should still fall between 8 a.m and 9 p.m.
Apart from the calls, AFNI Collections can also sue you. If they win the case, they can get a judgment against you. Once they secure a judgment, they can force you to pay the debt. They can garnish your wage, lien your property, or get cash from your account. They need to present the judgment to your employer or bank before getting cash in place of your debt.
In some cases, debt collection companies hold collection accounts for only six months. This means that if they are unable to get you to pay the debt, they will stop contacting you after six months. That does not mean that the debt is forgotten. They will sell the account to another debt collection company. This debt collection company will call you and try to enter into an agreement. If they do not make headway, they will eventually sue you.
What are My Rights When I am Dealing with AFNI Collections?
The Federal Fair Debt Collection Practices Acts (FDCPA) has made certain provisions that are meant to protect consumers.
As mentioned earlier, the debt collection company is obligated to prove to you that the debt is yours and it is valid. They must also prove that the debt has not reached the statute of limitations and they have been authorized by the original creditor to collect the debt.
According to the law, AFNI is not supposed to pretend to be another organization or a government agency just to communicate with you. They are also prohibited from harassing you or using abusive language when they communicate with you. AFNI just like all other debt collection agencies cannot call you at work when you tell them not to. This rule stands irrespective of the way it is communicated to the agency. Whether you tell them through writing or orally, they are obligated to comply. As mentioned earlier, they cannot contact you before 8 am and after 9 pm.
AFNI cannot talk about your debt with anyone. Even if they need to contact the third party to get into contact with you, they cannot tell the third party about your debt. They are also expected to stop all forms of communication with the third party once they get in touch with you. They also cannot use false information to get you to pay the debt. Some agencies try to collect more than you actually owe and that is illegal. It is also illegal for them to threaten to put negative remarks on your credit report.
Complains Against AFNI Collections
Some consumers have had issues against AFNI in the past. Most of these complaints were collected through consumer reviews.
This collection company has been accused of trying to collect fake debts. A number of consumers have complained that they have been contacted and even harassed for debts that are not even theirs.
Another major complaint is the issue of the agency trying to change some dates for debts so that the statute of limitation is still active. Due to this, it is important to get a copy of your report to check your last payment date. So that you can verify this issue yourself.
Due to these problems, it is important to get them to prove your debt before you proceed to settle with them.