Afni Inc [creditdiagnosis]

Afni Inc [creditdiagnosis]

After analyzing debt collection complaint data from the FTC, we thought it would be helpful to explain exactly what options are available to consumers making complaints. ... Lending: Banks & Credit Unions; Lending: Finance Company; Lending: Mortgage ... The Anatomy of a Debt Collection Complaint

IF YOU DON'T FEEL LIKE LISTENING TO ME TALK, THEN YOU CAN JUST READ THIS: I just got a call from someone and on the caller ID it said "Unavailable ID". It was someone who claimed to be from a company called NRS at the following address: 3509 Virginia Beach blvd. Virginia Beach, VA 23457 the company's phone number: 888-234-2647 They called and said something online the lines of "You have won a random contest to win a free diamond watch." I almost hung up right there and was like f*** you, but I went along with it to see what they were going to say. The guy I talked to went on saying he wanted to ask me a few questions, he asked questions such as if I was single, married, or engaged, if I watched sports, what I liked to do on my free time, how old I was. I answered all of them and they I was talking to said he signed me up for a 6 month free subscription to rolling stones magazine, bassmasters magazine, 4 wheeler magazine, and field and stream magazine. 2 of which i'm already subscribed to. But I kept going with it and he said that he was going to forward me to his supervisor and I would talk to him. When I got forwarded, the supervisor asked me to verify my home address, I did because they already had it, along with my phone number and name. I'm not even sure how he got my cell #, but he did. So he continued to talk me to about all the "Great deals" I could get and the diamond watch for free if I only paid .95 for shipping. But then he insisted that I verify my credit ...

http://leafgardenpress.com/ National Reader's Service Scam, NRS Scam

Anderson Financial Network or commonly referred to as Afni Inc, is a collection agency based in and operating from Bloomington, Illinois. The collection agency has however not earned a very good reputation due to their shady activities. Verizon happens to be one of the biggest clients of Afni Inc.

Debt buyers or collection agencies like Afni Inc buy delinquent debt accounts from creditors for a few dollars. They try to extract money from the debtors by adopting different means which violate the FDCPA or the Fair Debt Collection Practices Act. However, there may be instances when the demand for money made by the collection agencies may be valid. However, in majority of the cases, it is illegal. Debt validation can help you to find out the truth.

Afni’s illegal activities

Many debtors have complained that Afni Inc illegally tries to collect debt for accounts that have been settled years back.

There were instances when the company has threatened debtors of filing a lawsuit. The company has also damaged several credit reports by reporting them illegally and wrongly. Calling up at odd hours and calling up at workplaces is not uncommon and that is what Afni collection agency has been doing over the years.

Debt validation and SOL as defense

Financial experts are of the opinion that if a debtor receives such letters or threats, it is best to opt for debt validation. After debt validation, if it is found that the demand by Afni collection agency is valid, it is best to settle the debt or else the debtor can defend himself.

But in majority of the cases, it has been observed that debtors usually fall prey to such illegal demands because they have no valid documents to prove their innocence. This is mainly due to the fact that collection agencies and debt collectors usually target consumers who are less informed. Statute of Limitations is also another weapon which is made use of by the debtors in validating debt.

Report to the Attorney General

A debtor can always file a complaint with the Attorney General of the state in which he is residing. If a debtor finds that a creditor or a debt collection agency has violated the FDCPA norms, the same can be reported to the State Attorney General.

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