AFNI collections is also called as Anderson financial network can be highly destroying to the credit. Collection account stay on the credit record for seven years. Verify about this collection agency and how they function. Actually it is a collection company situated in bloomington. Such as other firm, this collection company also contain a good reputation for availing harsh techniques to get customers to pay cash they may not owe. A small research about this agency will provide you lot of information on what customers are telling about them. AFNI collections removal is established for a general practice among collection companies called as re-aging debt. If the collection firm re-age a debt, they alter the dates which are related with if the debt happened and if the debt was charged off through the real creditor. Through re-aging the debt, they think to expand the statue of limitations on the debt validity.
Proof that You can remove AFNI collections
One customer find that this collection agency altered dates on an due account on the credit report if the statute of limitations had expired. The customer in question avail the rights as said in the debt collection act and sent letters about debt validation to them, but the company did not respond with the proof which the member owed the money. This is something creditrepair.com can do for you.
Now, if they could not confirm the debt, they would want to stop contacting the client to collect. If this is better option, you must not anything to the company till you found some facts and attempt few modifications to paying the total amount which they tell you owe. You must get them to give a proof that the debt is yours. The collection agency are not ready if there is a situation of mistaken identity if you are interested to pay. Even it is your debt , the statue of limitations may be invalidated hence they contain no legal action to collect.
Contact attorney general:
If you possess a reason to think that the debt is not valid and you are said by the collection agency regarding the old account, send them a letter. This SOL notification letter will allow them understand that they are working with the knowledgeable customer and that threatening to file a case you for the amount owed will not work. In certain extreme situations, people have complained that this collection agency has denied to validate a debt. If this conditions takes place, you want to get a legal recourse by the attorney general. That must receive their attention. You have already sent a debt verification letter and if the collection agency contact you continuously regarding the debt prior responding to the verification request, it is obvious they are not follow the law and are not going to listen till you bring legal authorities in to the operation.
This is not different or special to AFNI collections firm but the studies found that they possess some problems with maintaining paperwork that can result to reporting wrong items to the credit record. If they purchase debt from other collection companies or from the real creditor, there is not often a right record of all the exact information about the debt. When you contact the bureaus to dispute the improper details, they must contact you within one month of whey the begin the checking process.