Who is Afni Collections?
Afni Collections is a debt collection agency that is a subsidiary of Afni, Inc., also known as Anderson Financial Network, Inc. They are based in Bloomington, Illinois, and are responsible for collecting past due accounts on behalf of various creditors.
You may see Afni Collections listed on your credit report as a collections account. This can happen if you didn’t pay a bill.
Is Afni Collections on my credit report?
Afni Collections may appear on your credit report as one of the following entries:
- afni bloomington il
- afni collections at&t
- afni com
- afni bloom collections
- afni inc collections
- afni inc
- afni peoria il
Who does Afni Collections collect for?
Afni Collections serves various large corporations across industries. They are known to handle collections for major telecommunications and cable companies such as Verizon Wireless, Sprint, Comcast, and T-Mobile, among others.
They also work with credit card companies and healthcare providers.
Is Afni Collections legit or a scam?
Afni Collections is a legitimate company. They are registered and licensed to operate in the debt collection industry. However, as with any collections agency, their methods can sometimes be aggressive. This may involve frequent and repetitive calls, texts, or emails in their attempt to recover the debt.
How can I remove Afni Collections from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your credit report, you can start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Afni, Inc. Contact Information
Address:
Afni Collections
404 Brock Dr
Bloomington, IL 61701
Mailing Address:
Afni Collections
PO Box 3097
Bloomington, IL 61702-3427
Phone number: (866) 352-0479
Note: All communications with a debt collection company should be through the mail or through a third party like a lawyer or credit repair professional. It’s best not to talk to them on the phone.
Should I contact or pay Afni, Inc?
Before contacting a debt collector, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with Afni Collections is to work with a credit repair professional. They help remove millions of negative items every year from companies like Afni on behalf of their clients.
Will Afni Collections sue me or garnish my wages?
As a debt collection agency, Afni Collections is legally entitled to sue you to collect the debt you owe. If they win the lawsuit, they may receive a judgment against you which could allow them to garnish your wages or seize certain assets, depending on your state’s laws.
However, before reaching this stage, the agency must provide ample proof that you owe the debt in question, and you would have the opportunity to dispute the debt or negotiate a repayment plan.
It’s important to note that wage garnishment is usually considered a last resort after all other methods of debt collection have failed, and it requires court approval. The process and rules surrounding wage garnishment vary by state, so the specific regulations in your state may affect the likelihood of wage garnishment.
Afni, Inc Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Afni Collections
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for Afni Collections to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the outstanding debt is really yours and the total amount is accurate.
- Afni Collections cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Afni Collections must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- Afni Collections cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Afni Collections From Your Credit Report Today!
Credit Saint offers assistance with disputing Afni collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If you’re struggling with bad credit and want to learn more, consider a free credit consultation with Credit Saint.
Visit their website or call (855) 281-1510 for more details.
Afni Collections Removed
