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AFNI re-aging debt


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Got a letter from AFNI demanding payment on a SoL barred debt. DO NOT let these folks get away with it. Last year I brought action against another pond scum collection company, American Agencies in Federal court for $50,000.00 for simular activity, and they were more than happy to settle out of court.

Simple advice, lawyer up in your area and start drafting a suit. Don't allow them to intimidate you. I sent virtually the same DV letter to American, who attempted the same non-sense that AFNI is doing, and I expect to enjoy the rewards of the suit from them as well.

So let those who are affiliated with such pond scum who may happen across this thread and read this, beware. The way to handle a bully (CA's) is to wait behind the large round bail in the field with a hoe handle and when they come around the corner, break the handle across their knees. For a time barred debt of less than $100.00, I enjoy the thousands forked over by American Agencies for their illegal activity. AFNI, you are next. See you in Federal court.

Sincerely, your worst consumer nightmare.

++++++++++Letter sent Certified USPS, return receipt++++++++++

Afni Inc

fka/Anderson Financial Network, Inc.

404 Brock Drive

Bloomington, IL 61701

&/or PO Box 3427, Bloomington, IL. 61702


To Whom It May Concern:

This letter is being sent to you in response to a dunning letter sent by your company to me. Be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (B) that your claim is disputed and validation is requested.

This is NOT a request for "verification" or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following:

(a) *Documentation that you own any alleged debt owed by me that bears my signature;

(B) *What the money you allege I owe is for;

© *Explain and show me how you calculated what you allege I owe;

(d) *Provide copies of any papers that show I agreed to pay what you allege I owe;

(e) *Provide a verification or copy of any judgment if applicable;

(f) *Prove the Statute of Limitations has not expired on this alleged debt;

The attempt to re-age a debt that has passed the statute of limitations, is a clear violation of the Fair Credit Reporting Act § 605. At this time I will also inform you that if your offices have reported invalidated information to the major Credit Bureaus, this action is constituted as fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:

1 -*Violation of the Fair Credit Reporting Act

2 -*Violation of the Fair Debt Collection Practices Act

3 -*Defamation of Character

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least thirty (30) days to investigate this information and during such time all collection activity must cease and desist.

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.

If your offices fail to respond to this validation request within thirty (30) days from the date of your receipt, all references to this account must be deleted and completely removed from your files as well as my credit file and a copy of such deletion request shall be sent to me immediately.

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment, family members or acquaintances. If your offices attempt telephone communication, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.

It would be advisable that you assure that your records are in order before I am forced to take legal action. Failure to respond to this Declaration will result in my filing a formal complaint against you with the Federal Trade Commission who is responsible for enforcement, the <YOUR> State Attorneys General office and/or the American Collectors Association as well. This is an attempt to correct your records, any information obtained shall be used for that purpose.

Best Regards,


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