Well I got my Collection Notice for $210.71 yesterday from Afni inc. Lol. I never had this phone number. Everyone needs to do a little searching on www.californiadebtblog.com and on www.budhibbs.com The statute of limitations in California is 4 years, but you must read up on the Fair Debt Collection Practices Act to understand what the limitations mean.
I have never had the phone number they claim I owe money for and I as everyone else never received a bill from Verizon and Verizon never took me to court. This is where the statute of limitations come in. If I had owed Verizon this money, Verizon had 4 years to take me to court and get a judgement against me. But since this didn't happen Verizon sold names to Afni inc for 10 cents on the dollar. Afni is sending out these letters and when or if you call them they try to threaten you with judgements and such.By the Fair Debt Collection Practices Act they can not sue you nor take anything away from you. The only thing they can do is call you from 8:00am - 9:00pm and ask you very nice if you would pay this. They can not threaten you or be nasty with you. If everyone would put a recorder on their phones and call Afni and before anyone says anything, tell the person you are talking to that you are recording this converstion I'll bet they will A. Talk nice to you or B. Hang-up on you. The only way they can get money from you is if you give it to them.
They can not by law report to any credit reporting agencies without making a violation of the Fair Credit reporting Act.
You can do one of three things about this. I hope everyone picks # 3
1. You can pay them.
2. When they call you just tell them you are not paying and hang up.
3. You can copy the letter below and mail it certified return receipt to them.
If you pick this one, you will never hear from them again! If you do hear
hear from them just follow-up with what you told them in this letter.
Your name date
your address
(Sent via CERTIFIED RETURN MAIL # write your mailing # here with RETURN RECEIPT)
Afni, Inc.
P.O. Box 3427
Bloomington, IL 61702-3427
Re:. Account # Afnis account number For: $000.00
Dear Afni, Inc.
This will serve as your legal notice under provisions of federal law, the Fair Debit Collection Practices Act (FDCPA) and the Rosenthal Act, to cease all communication with me in regard to the debit referenced above.
If you fail to heed this notice, I will file a formal complaint against you with the Federal Trade Commission who is responsible for enforcement, the States Attorney General office and/or the American Collectors Association or local State Bar Association.
I have decided that I do not desire to work with a collection agency under any circumstances. I will contact the original creditor to resolve this matter directly, as circumstances warrant.
You are also notified while this debt is being disputed, you cannot report this debt to the credit reporting agencies, please contact the credit reporting agencies, inform them that the debit is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, is a violation of the Fair Credit Reporting Act and other applicable laws.
Please give this very important matter the attention it deserves.
Sincerely,
Sign your name here
Type your name here
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