This company claims to be AFNI, a collections agency. They use multiple phone numbers to attempt to disguise their activities over the phone. A Google search using [800notes + AFNI] will provide additional comments about AFNI's business practices; they have been reported over 700 times to the better business bureau for shady practices.
Assuming someone didn't owe a debt, AFNI will make an allegation and trick a consumer into believing they do owe a debt and need to make payments/restitution. This is outright fraud...plain and simple. If a consumer makes a payment, even if fraudulently, the consumer has to "prove" in a civil court-of-law that the payment wasn't owed--this is near impossible, because it's impossible to collect evidence for a debt that never existed.
If someone actually owed a debt, but the debt is older than [six] years, then the debt is no longer valid if the original creditor failed to maintain contact with the consumer over that period. However, AFNI would not reveal this type information to a consumer, they'd attempt to collect on [zombie debt].
Don't make contact with AFNI, do not call them, do not engage them in any way...even through the mail. Check the credit report, make sure there is no outstanding debt on the credit report, then, if AFNI attempts to report bad credit on the credit report then dispute them with the credit reporting agencies. If collection debt is being reported on the credit report (other than something AFNI reported), then deal with that original creditor "only"--get the matter resolved, and then dispute AFNI's claim on the credit report with the three credit reporting agencies.
There is a reason a credit report doesn't typically display debt older than seven years, with the exception of Chapter-7 bankruptcies.
This company claims to be AFNI, a collections agency. They use multiple phone numbers to attempt to disguise their activities over the phone. A Google search using [800notes + AFNI] will provide additional comments about AFNI's business practices; they have been reported over 700 times to the better business bureau for shady practices.
Assuming someone didn't owe a debt, AFNI will make an allegation and trick a consumer into believing they do owe a debt and need to make payments/restitution. This is outright fraud...plain and simple. If a consumer makes a payment, even if fraudulently, the consumer has to "prove" in a civil court-of-law that the payment wasn't owed--this is near impossible, because it's impossible to collect evidence for a debt that never existed.
If someone actually owed a debt, but the debt is older than [six] years, then the debt is no longer valid if the original creditor failed to maintain contact with the consumer over that period. However, AFNI would not reveal this type information to a consumer, they'd attempt to collect on [zombie debt].
Don't make contact with AFNI, do not call them, do not engage them in any way...even through the mail. Check the credit report, make sure there is no outstanding debt on the credit report, then, if AFNI attempts to report bad credit on the credit report then dispute them with the credit reporting agencies. If collection debt is being reported on the credit report (other than something AFNI reported), then deal with that original creditor "only"--get the matter resolved, and then dispute AFNI's claim on the credit report with the three credit reporting agencies.
There is a reason a credit report doesn't typically display debt older than seven years, with the exception of Chapter-7 bankruptcies.