Debt collector misconduct is so notorious that consumer advocacy groups recently urged the Consumer Financial Protection Bureau to impose stricter limits on collection agencies.
If you are in debt and being pushed to the brink of bankruptcy by these companies, learn more about how you can stop the harassment legally.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) provides you with certain rights that govern your interactions with a debt collector. You are protected from harassing actions like those below and can sue an agency that persists in using them on you.
- Using profane and obscene language
- Telling you that a lawsuit is in progress when it isn’t true
- Calling at all hours of the day and night
- Contacting your friends and family for any reason except locating you
- Demanding an amount that’s not supported by law or the original creditor agreement
- Belittling you and calling you names like deadbeat or loser
Company Profile: Afni, Inc.
If you are being called by Afni, Inc., more information about the agency’s background and day-to-day operations is listed below.
Afni, Inc. is a debt collection agency headquartered in Bloomington, Illinois, with branch offices in Alabama, Arizona, Kentucky, and the Philippines. It opened for business in 1936, has 5,000 employees, and is managed by its President and CEO, Ron Greene.
The consumer litigation records at the PACER website confirms that people who believed they were being harassed by Afni, Inc. swiftly filed FDCPA lawsuits to stop the unwanted communications.
Alleged Violations against Afni, Inc.
According to PACER, in or around early 2007, Afni, Inc. started contacting a Florida consumer to collect a debt. On July 7, she sent a cease communications letter via certified return receipt and received confirmation of receipt on July 13.
Despite receipt of this request, the company allegedly sent her another collection letter anyway.
Feeling harassed by Afni, Inc., the consumer hired an attorney and filed a claim against the company for allegedly violating her rights by:
- Using unfair and unconscionable means to collect a debt
- Using false, deceptive, and misleading methods to collect a debt
- Ignoring a written dispute
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this collection agency are:
Seeing them on your caller ID at any time is an indicator that you are being called by Afni, Inc. in an attempt to collect a debt. If they ignore a written dispute letter, they have broken the law and you should consult a consumer lawyer about filing a claim against Afni, Inc.
Debt collectors who harass consumers can be ordered to compensate them instead, so the moment you feel that a line has been crossed, pick up the phone and call an attorney.
Case taken from PACER (pacer.gov). File number is Case 1:07-cv-22625-CMA from the United States District Court for the Southern District of Florida.
*Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Afni, Inc. or any other third-party collection agency, you may not be entitled to any compensation.