We all sometimes find ourselves in situations we had not anticipated, but want to resolve. If life throws you a curveball and you find yourself with an account in collections with Afni, we're here to help. We know you'll have lots of questions, and we're happy to answer them all the best we can. To get things started, we've answered a few here.

Why is Afni asking me to pay an old bill from another company?

We can understand why that would seem odd. Here's how it works. Afni is a company in the business of working with customers. Our clients are businesses (mostly large, recognizable brand name companies). They hire us to handle business processes on their behalf. For some clients, we staff customer service representatives to answer toll-free calls from our clients' customers who request customer service.

Other clients hire us to help with debt collection. They provide us with a list of their customers who still owe money on accounts. Our job is to notify those customers and discuss resolution.

Here's another thing. Your account can sometimes move from one debt collection agency to another. If we're unable to reach resolution in the account, our client may forward it to another debt collection agency.

What can I do to resolve my account?

That can happen a number of ways:

  • If you would like to pay the account, talk to us and let's figure out a way for you to pay it. You can pay in in full, or set up a future payment schedule. Even if you can't start paying for a while, starting a conversation may assist in resolution.
  • You can also review account information online by signing into your account using our secure website.

What if I don't think the account belongs to me? What if I don't owe the entire balance?

  • You can send us a letter, call us, or submit your dispute via the "contact us" menu above.
  • You can also dispute your account by signing into your account using our secure website, choosing the "unable to make a payment" link, and choosing the appropriate radio button.

What if I think information on my credit report is inaccurate?

  • You can send us a letter, call us, or submit your dispute via the "contact us" menu above.
  • Letters regarding dispute information on your credit report should be sent to Afni, Inc at PO Box 3517, Bloomington, IL 61702-3427.
  • You can also send us your dispute by signing into your account using our secure website. Sign into your account, choose the "unable to make a payment" link, and choose the radio button "information on my credit report is inaccurate." Specific information on what is appearing inaccurately on your credit report will assist us with the investigation.

If I pay off my collections account, and the account has been previously reported by Afni, will it be removed from my credit report?

If Afni has sent information to the credit reporting agencies, and you pay the account, we will tell the credit bureaus that you made either a full or partial payment. The Fair Credit Reporting Act states that information about a collection account that is sent to a credit reporting agency, may appear on your credit report for up to seven years from the date of delinquency. Afni's standard operating procedure is to request removal of this account from the credit reporting agencies at the time the account has been recalled from Afni. This is typically thirty to forty-five days from the date the account is closed as paid.

Do I have any say in what happens next?

Absolutely. First of all, you have a lot of rights as a consumer. In fact, debt collection is one of the most heavily regulated industries out there.

Plus, there are some excellent websites that outline your consumer rights. The Federal Trade Commission has a good video about consumer rights and the law.

We also recommend reviewing information from the Consumer Financial Protection Bureau. Ask the CFPB is great place to get unbiased information about consumer debt and your rights.

Other than your consumer rights, you should provide Afni (or any collection agency) with feedback about your experience with our processes and employees. We are a service organization and strive for every conversation and interaction to respect you and let you keep your dignity intact. Good feedback, bad feedback, and everything in between. We want to hear it.

Have other questions about your account? Sign-in or contact us to start a conversation.