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AFM Financial Services LLC

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Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.

    If any of these things occur, your best option is to consult with a consumer protection attorney.

  • 3 Comments

    1. Randall H on March 22, 2015 at 2:33 pm

      AFM Financial Services has been reporting an item on my credit report for six years now. The problem is that I’ve been reporting this matter as identity theft since 2009 when it was first brought to my attention. The original creditor sold the account to AFM Financial Services and told me I must go directly to AFM Financial Services. But AFM Financial Services has stopped responding to me for five years now.

    2. Jesse H. on May 7, 2015 at 10:34 pm

      AFM Financial Services is also known as Alliance Financial Management. I think AFM Financial Services because they don’t return my calls.

    3. Kate on June 11, 2015 at 10:01 am

      I received my first letter from them about 2 years ago. My debt from Bryn Mawr hospital was forwarded to them for collections. The original person I spoke to there was Jennifer Lopez. I made a verbal agreement with her that I could only pay $20 a month due to other financial obligations. She said that was fine. About a month later she called me and was extremely hostile saying I need to pay them or they will take action. The past 2 years I have called countless times and left messages and no one has ever returned my phone calls. I have written letters to them with no response as well because they will send me two invoices with the same reference number but are 2 different amounts. I only receive one letter a year and it is usually in July and then nothing the rest of the year. I have asked multiple times to send me and itemized payment sheet and again nothing. Just this week alone I have received 3 phone calls and silent messages on my phone. Part of me thinks this company is scamming me but another part me pays them because I am afraid of what it will do to my credit.

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    Vullings Law Group, LLC d/b/a VullingsLaw is not responsible for the content of the consumer comments provided here.  Vullings Law neither supports nor provides any opinion as to the statements made herein.