If your phone won’t stop ringing with calls from AFNI, Inc., you’re not alone. AFNI is a major debt collection agency that often crosses the line into AFNI debt collection harassment—using aggressive, illegal tactics to pressure consumers into paying.
The good news? You have rights, and this guide will show you exactly how to stop AFNI debt collection harassment for good. We’ll cover:
✔ AFNI’s most common illegal tactics
✔ Your rights under federal law
✔ Step-by-step instructions to stop the calls
✔ How to sue AFNI if they won’t back off
Let’s take back control of your phone—and your peace of mind.
What Is AFNI Debt Collection Harassment?
AFNI debt collection harassment happens when AFNI, Inc. (or any debt collector) violates the Fair Debt Collection Practices Act (FDCPA) by using abusive, deceptive, or relentless tactics. Common signs include:
✅ Excessive calls (multiple times a day)
✅ Calls before 8 AM or after 9 PM (illegal under FDCPA)
✅ Threats of arrest, lawsuits, or wage garnishment (if not true)
✅ Telling your family, friends, or employer about your debt
✅ Refusing to validate the debt when asked
If you’ve experienced any of these, you may be a victim of AFNI debt collection harassment—and you could be owed compensation.
Is AFNI a Legitimate Company—Or a Scam?
AFNI, Inc. is a real debt collection agency that works with telecom companies (like AT&T, Verizon, and Comcast) to collect unpaid bills. However, some of their tactics are illegal under federal law.
Red Flags of AFNI Debt Collection Harassment
🔴 Calling non-stop (even after you ask them to stop)
🔴 Using fake caller IDs (spoofing numbers to trick you into answering)
🔴 Demanding payment without proof you owe the debt
🔴 Threatening actions they can’t legally take (like arrest or jail time)
If this sounds familiar, keep reading—your next steps could stop the calls and even get you paid.
Your Rights Under the FDCPA & TCPA
Two powerful laws protect you from AFNI debt collection harassment:
1. Fair Debt Collection Practices Act (FDCPA)
- Calling hours restricted (8 AM–9 PM, your local time)
- Must stop calling if you send a cease-and-desist letter
- Cannot threaten illegal actions (arrest, fake lawsuits)
- Must validate the debt if you dispute it within 30 days
2. Telephone Consumer Protection Act (TCPA)
- Bans robocalls to cell phones without consent
- Prohibits auto-dialed calls
- Allows you to sue for
- 500–
- 500–1,500 per illegal call
If AFNI violates these laws, you can sue them—and win.
How to Stop AFNI Debt Collection Harassment (Step-by-Step)
Step 1: Record Every Call & Save Evidence
- Use call-recording apps (check your state’s laws)
- Save voicemails, call logs, and letters
- Note dates, times, and agent names
Step 2: Demand Debt Validation
Send a certified letter (with return receipt) stating:
“Pursuant to FDCPA § 809, I dispute this debt and request validation. Cease all calls until proof is provided.”
AFNI must stop collection efforts until they verify the debt.
Step 3: Send a Cease-and-Desist Letter
If they keep calling, mail a cease-and-desist demand:
“Under FDCPA § 805(c), cease all communication except to confirm debt resolution or notify me of legal action.”
Once they receive this, they can only contact you to say they’re stopping or to sue.
Step 4: File Complaints
Report AFNI debt collection harassment to:
- Consumer Financial Protection Bureau (CFPB)
- Federal Trade Commission (FTC)
- Your State Attorney General
Step 5: Sue AFNI (If They Don’t Stop)
If AFNI violates the FDCPA or TCPA, you can sue for:
- $1,000 per FDCPA violation
- 500–
- 500–1,500 per illegal robocall (TCPA)
- Emotional distress damages
Many consumer attorneys take these cases for free (they get paid when you win).
Can AFNI Sue You? (What to Do If They Do)
Yes, but most debt lawsuits are bluffs. If sued:
✔ Never ignore the summons (respond within 20–30 days)
✔ Challenge their proof (most can’t validate the debt)
✔ Counter-sue for harassment if they violated the FDCPA
Pro Tip: Check your state’s statute of limitations (3–6 years for most debts). If the debt is too old, demand dismissal.
Fighting Back Against AFNI Debt Collection Harassment
1. Use Call Blocking
- Set up call blocking (Nomorobo, Hiya, or carrier services)
- Forward AFNI’s number to their compliance department
2. Negotiate a Settlement (If You Owe It)
- Offer 30–50% as a lump sum (get agreements in writing)
- Demand deletion from your credit report as part of the deal
3. Monitor Your Credit
- Dispute inaccurate AFNI entries via AnnualCreditReport.com
- Freeze your credit if needed
“I Stopped AFNI—Here’s How” (Real Success Stories)
✅ Mark, Texas: After 12 calls in one day, he sent a cease-and-desist. The calls stopped—and AFNI paid him $2,500 in an FDCPA lawsuit.
✅ Lisa, Florida: She recorded AFNI threatening arrest. Her attorney sued—AFNI settled for $6,000.
✅ James, Ohio: He demanded debt validation. AFNI couldn’t prove it—the debt was dropped.
Need a Lawyer? Top Consumer Rights Firms
If AFNI debt collection harassment continues, contact:
- Consumer Protection Legal Group (FDCPA specialists)
- Stop Collector Abuse Now (Free case reviews)
- Fair Credit Attorneys (Nationwide TCPA lawsuits)
Most work on contingency—you pay nothing unless they win.
Final Warning to AFNI (And Other Bullies)
Debt collectors bank on your fear. But the law is stronger than their threats.
Your move:
- Document every illegal call.
- Send the cease-and-desist.
- Sue if they don’t comply.
AFNI debt collection harassment ends when you decide it does.
This guide is informational, not legal advice. For case-specific help, consult an attorney. But remember—you have more power than AFNI wants you to think.
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