AFNI Collections Is Harassing me. What Are My Options?

by Benjamin Tarshish on May 14, 2018

Who is ANFI Collections? Is This A Scam?

AFNI began as a collections agency in Bloomington, Illinois in 1936. The agency used to be known as H.A. Slaven’s Collection Bureau. In 1976, the agency was purchased by Earl Anderson and the name was changed to Anderson Financial Network Inc (AFNI). Nowadays, AFNI is a third-party debt collection agency which is still based in Bloomington, Illinois. AFNI presently operates satelite offices throughout the country which all report back to the main office in Bloomington.

AFNI Collections has received consumer complaints claiming Fair Debt Collection Practices Act (FDCPA) violations. Some consumer reviews have accused AFNI of using unfair and deceptive tactics in pursuit of debt collection. Other examples of alleged violations include making improper contact with debtors, improper sharing of debtor information, and threatening to take action which cannot legally be taken.

Nonetheless, AFNI collections is not a scam and they are in fact an authorized debt collection agency with more than 6,000 employees. Businesses from many industries use AFNI as a debt collector, however the agency specializes in working with telecommunication companies such as AT&T, Verizon, and Direct TV. If ANFI has contacted you, it is important that you learn your rights and how best to protect yourself before offering any response.

What Are Common Complaints Against AFNI?

As of April 2018, the Consumer Financial Protection Bureau (CFPB) has received over 2,200 complaints related to the debt collection practices of AFNI Inc. Examples of common complaints against AFNI include trying to collect a debt not owed and using improper communication tactics (a typical case would be when you tell them to stop contacting you, but they keep trying).

The following two real-world examples of complaints against the AFNI debt collection agency illustrate these types of alleged violations.

Consumer alleges improper communication tactics
“I just got this number last month. The debt belongs to another individual. I’ve asked numerous times for them to quit calling. The company ‘s name is Afni. I spoke to XXXX at XXXX today and again advised that this person does not have this number please put me on the do not call list. Tried to get me to sign up for debt relief in my name. They call 8-10 times a week trying to collect debt from someone named XXXX.”
Consumer alleges attempts to collect a debt not owed
“I am writing to you in reference to the company Afni, INC. My credit report says that I have an account with them that was opened XX/XX/2016. I have never opened an account with the company. The account number they have on file is XXXX. The account is not mine. I have tried numerous times to dispute this account with the credit bureaus and they will not take it off of my credit report because the company is still falsely reporting this debt.”

What Actions Can ANFI Collections Legally Take Against Me? Can They Sue Me Or Garnish My Wages?

As a debt collector, AFNI Collections is not legally allowed to threaten to sue you, or threaten to garnish your wages. They are allowed to contact you via phone, text, or mail. However AFNI cannot call you at inappropriate times including before 8 a.m. and after 9 p.m.

Though AFNI is not allowed to threaten lawsuit or wage garnishment, if you do not pay a valid debt owed to them, AFNI collections may legally sue you in a court. If they get a default judgement against you in court, the judgement will state the amount you owe and allow them to garnish your wages for that amount. If you owe a debt to AFNI and are concerned with the possibility that they might garnish your wages, it would be wise to speak to an attorney before it gets to this point. Our attorneys have assisted countless consumers in fighting back against debt collector harassment and protecting themselves against wage garnishment. Contact us now to see if we can help you as well!

Please call 952-361-5556 now or fill out our Free Case Evaluation Form and one of our attorneys handling Debt Collector Harassment can evaluate your case. If we agree to handle your case, our attorney fees will be FREE to you and will be paid for by AFNI.

What Should I Do If ANFI Collections Contacts Me? How Do I Stop AFNI Collections From Harassing Me?

The first step is to determine if AFNI collections is in violation of your rights. Please refer to the following list:
  • AFNI is contacting you about about a debt which is not yours, or a debt amount which is more than you owe
  • AFNI is unable to prove that the debt is owed by you
  • AFNI is not authorized by the original creditor to collect the debt
  • AFNI is making automated robocalls to your phone in order to collect
  • AFNI is using inappropriate language, or trying to intimidate you.
  • AFNI is accusing you of criminal behavior, or threatening to arrest you.
  • AFNI is threatening you with negative credit reporting, lawsuit, or violence
  • AFNI is calling you at work, or calling your friends, coworkers, and neighbors
  • AFNI is calling you before 8 a.m. or after 9 p.m.
  • AFNI is calling you many times per week

If any of the above applies to your situation, our attorneys can help! Tarshish Cody PLC represents consumers experiencing harassment from debt collectors like AFNI, and our attorneys are experienced in protecting your legal rights. If AFNI is in violation of the FDCPA, we can not only make the debt collection calls stop, but our attorneys can sue AFNI and recover up to $1,000 in statutory damages for your FDCPA claim. Furthermore, AFNI would be required to pay your attorney fees and court costs.

Please call 952-361-5556 now or fill out our Free Case Evaluation Form and one of our attorneys handling Debt Collector Harassment can evaluate your case at no charge to you.

Is Your Law Firm Able To Assist Me In Filing A No Fee Lawsuit against AFNI?

If you are being harassed by AFNI, we can help! The attorneys at Tarshish Cody PLC have filed many lawsuits against debt collectors like AFNI who are in violation of the FDCPA. In total, our clients have been awarded hundreds of thousands of dollars via these lawsuits.

What Do Our Clients Say?

“[Tarshish Cody PLC] helped us win a settlement from an aggressive debt collection company. [The law firm] was very professional and explained the process and the plan of action. We really didn’t have to do anything. Settlement was reached in a short amount of time. We recommend [Tarshish Cody PLC] to anyone seeking settlement from a debt collection company.”

“[Tarshish Cody PLC] won my case for me against the collection agency that was garnishing my wages. I was really stressed out & embarrassed about my situation, but [Tarshish Cody PLC] successfully sued [the collection agency] & they backed down; we settled out of court, they paid me my damage reward & stopped all garnishments. [Tarshish Cody PLC] went above & beyond for me & when I needed a competent professional who could deliver & be trusted, [Tarshish Cody PLC] was the law firm I needed.”

Can You Help Me Remove An AFNI Collections Account from My Credit Report?

Yes we are able to assist with this. Contact us now to learn more.

AFNI Contact Info

Afni Inc
1310 Martin Luther King Drive
Bloomington, IL 61701

AFNI Collections Telephone Numbers

In trying to reach customers, AFNI calls from a multitude of phone numbers. Here is list of phone numbers from which consumers have reported getting calls from AFNI, pertaining to debt collection:


How We Can Help

  • Stop The Harassment: All debt collection calls stop once you’ve retained Tarshish Cody, PLC.
  • Get up to $1,000: We can Sue and Recover up to $1,000 in statutory damages for your FDCPA claim
  • 100% Free Legal Assistance: Harassing Debt Collectors must pay our fees in FDCPA claims.

Tarshish Cody PLC represents consumers experiencing harassment from debt collectors like AFNI and our attorneys are experienced in protecting your legal rights. Our law firm understands how difficult it is for consumers who fall behind on bills, when pressured by harassment that is illegal and needs to cease. Dealing with harassment is a positive step in the process of managing your late payments or debt. Our attorneys can discuss remedies such as debt consolidation, short sales, bankruptcy, and more, but most importantly, we can get the harassment to stop.

Please call 952-361-5556 now or fill out our Free Case Evaluation Form and one of our attorneys handling Debt Collector Harassment can evaluate your case.

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