I have read some of the entries on this website about AFNI and thought I would add a little of my own. I was contacted originally by AFNI in 2003 for a Cellular One account that had been charged off from 2000. Apparently I owed somewhere around $3,000. I ignored the letters I would get and then found it reported on my credit report right after I bought my first home. However it doesn't show up as a collection account. Eventually I caved in and agreed to pay $50/month. AFNI was not happy about this, saying it would take years to pay off, but I wasn't going to pay more than that. Here it is 3 years later and I still send them $50 a month. And now, if I miss a payment, I start getting calls. The calls from AFNI sound so urgent and I "must call immediately", yet they call me at 10:30 PM or later, which I think is bad practice.
After reading these stories, I deleted AFNI as a payee on my bank account and canceled future payments. Whatever I may still owe, I will not send it to them.
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