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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.


    1. Stephen B. on April 12, 2015 at 1:13 pm

      My wife received a collection notice from AFNI Inc. They claim that we had owed Verizon Wireless $675.36. We contacted AFNI Inc immediately after reading the collection letter. We were told that this bill was for a cell phone she never had. My wife was on active military during the time that this cell phone was allegedly active.

    2. [anonymous] on May 30, 2015 at 9:53 pm

      My parents received a letter from AFNI Inc for a Sprint account, which is not theirs. I tried talking to AFNI Inc and they were just rude and pushy. All AFNI Inc wanted was money.

    3. Marilyn F. on June 11, 2015 at 11:59 pm

      Carrie at AFNI Inc said I needed to use my income tax refund and pay them the full amount I owe. AFNI Inc is just rude and mean.

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