Afni Collection Agency Blog Roundup

Afni Collections is a debt collector that takes on delinquent cell phone accounts. They’re a debt buyer, which means they purchase delinquent accounts from companies for pennies on the dollar — often for as little as 4–5 cents on the dollar. At a certain age—which differs by state—a debt becomes too old for collection agencies to sue consumers over. Often Afni will continue to attempt collections on very old accounts long past the statue of limitations; a practice known as

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So Why Didn’t I Just Pay Afni?

If you haven’t read my previous posts about the zombie debt collector Afni, Inc., you really should start with this post and work your way forward through the series before reading this post. None of the posts are terribly long, but they offer a great deal of context. So why didn’t I pay Afni anyway? Some might argue that, even if the statute of limitations has expired, a debtor has the moral obligation to pay the debt. I disagree: limitations

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One Last Trick All Zombie Debt Collectors Have Up Their Sleeve

If you haven’t read my previous posts about the zombie debt collector Afni, Inc., you really should start with this post and work your way forward through the series before reading this post. None of the posts are terribly long, but they offer a great deal of context. Bulk debt buyers buy aging debt at steep discounts. How steep a discount? Well, an industry “rule of thumb” is approximately 4% — 6% of the original debt amount. However, that’s not

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How I Got Afni Collections to Go Away

If you haven’t read my previous posts about the zombie debt collector Afni, Inc., you really should start with this post and work your way forward through the series before reading this post. None of the posts are terribly long, but they offer a great deal of context. Once I had proof from Afni’s own records that they were attempting to collect on a time-barred debt, I decided to write a cease and desist letter. What I wrote looked a

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How to Handle Zombie Debt Collectors Like Afni

If you haven’t read my previous posts about the zombie debt collector Afni, Inc., you really should start with this post and work your way forward through the series before reading this post. None of the posts are terribly long, but they offer a great deal of context. Debt Collector vs. Validation Request Whenever a collector sends a letter claiming you owe a debt you don’t instantly recognize, it’s always a good idea to send a validation request. A validation

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Afni Collections is a Zombie Debt Collector, Here Is Why

In early 2012, I relocated to Connecticut from Michigan for personal and professional reasons. When I first arrived with little more than the clothes on my back, my smartphone, and a laptop, I found something unexpected waiting for me in my new apartment’s mailbox: a collection letter from Afni. This was strange for quite a few reasons: I had just moved into my apparent a few days previous to receiving the notice. I hadn’t yet changed my address on my

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