“How To Delete Your Bad Credit With AFNI Inc and Increase Your Credit Score Back in The 700′s, Where It Should Be.”

If You’re Dealing With AFNI inc collection tags on your credit reports – Read My True Story and Learn How to Wipe Them Off!

A few years ago, I got into trouble with my credit cards. One of my roommates moved out and stuck me with his share of the rent, so I was forced to start putting a lot of my expenses on my credit cards. Plus, I had a large outstanding balance on my Sears card because of a gift I’d bought for my father.

By the time I found a new roommate, I was already in serious trouble! I could barely make the minimum payments on my credit cards.

After a while, I stopped even doing that. I guess I just got so frustrated at seeing the balances keep on rising due to interest and fees that I kind of lost it and gave up. The situation seemed hopeless. I cut up my credit cards and tried to pretend the problem didn’t exist.

Of course, I know that this was the absolute wrong thing to do. Believe me, I’ve paid for it since! After a while, Sears sold my debt to AFNI Inc, a collections agency that began to aggressively remind me that I owed them money.

Now, I might have paid at this point, if it hadn’t been for all the fees that they tacked on to the original amount. I could admit that I owed the credit card debt to Sears, but I sure wasn’t going to pay AFNI a higher amount. My misfortune and poor judgment was NOT something I thought they should profit from!

 

AFNI sent me a letter every week. I threw them away, unopened. Then they began to call me. They called every single day. No lie. The phone calls were a lot harder to ignore, even for a person as practiced in the art of denial as I am. My friends started getting annoyed because I screened my phone calls and they could never get hold of me on the first try.

I could deal with the harassment. It was unpleasant, but I had no problem hanging up on the rude AFNI rep whenever he did happen to get me on the phone.

The big problem was when I started to receive letters from the credit bureaus stating that AFNI had added “collection items” to my credit history. At this point I kind of freaked out. I had been hoping to change jobs soon, and I knew that my potential employers would probably run credit checks on me.

I ordered a copy of my credit report. It was absolutely awful. I barely cracked 500 points, thanks to the collection items from AFNI. I knew with a score like that, I could kiss any chance of a new job goodbye. I could also forget about moving to a new apartment, buying a car, or getting any new credit cards.

At this point, I finally broke down and asked for help. I did some research online and discovered Lexington Law. I was really impressed with their track record. Over the years, they’ve helped thousands of people just like me repair their credit. In an average quarter, they get 1,700 items deleted from their clients’ credit reports!

I called Lexington Law for a free consultation, and was so impressed with them that I hired them on the spot. For the first time in way too long, I felt like I was taking responsibility for my problems instead of hiding from them.

Within a few weeks, I started getting letters from the credit bureaus again. This time, it was good news! The letters showed that Lexington Law had successfully disputed the AFNI Inc collections items and gotten them removed from my credit history. With those items deleted, my credit scores began to steadily improve. Soon it will be as if none of this ever happened.

I’m incredibly grateful to Lexington Law for helping me. They also taught me a lot about how to deal with a debt collection problem. I only wish that I had known everything they taught me sooner!

If you’re in a situation like mine, follow these do’s and don’ts and save yourself months of anguish and harassment by bill collectors:

DON’T

-Don’t attempt to negotiate with an AFNI Inc bill collector on the phone. If you want to dispute the collection item, you need to do so in writing so that there will be a record of your communication with the bill collection agency.

-Don’t make friends with your bill collector. You are just a name on a piece of paper to them. They are not interested in your personal circumstances, and you will never get them to help you out of sympathy or human kindness.

-Don’t write too many letters to AFNI! If you write a response every time you receive a letter from AFNI, you can cause your dispute to be labeled “frivolous.” If this happens, your chances of successfully removing your credit report charge offs are virtually non-existent.

-Don’t offer to pay any part of your debt UNLESS you have already 1) made AFNI prove that you owe the debt and 2) made sure that the statute of limitations on the debt has not already expired. Offering to pay on a debt may be enough to restart the clock on the statute of limitations, thereby forcing you to pay off a debt you were technically no longer legally responsible for.

-Don’t expect to pay the full amount of your debt. Remember, AFNI purchased the debt from your original lender for pennies on the dollar. It is perfectly reasonable to pay them out at a rate comparable to what they paid.

-Don’t try to handle everything on your own. Legal help is available, no matter how limited your budget may be.

DO

-Remain professional in all of your interactions with the debt collector. Just because they are behaving in a rude, discourteous, disrespectful, and even harassing manner does not mean that you should respond in kind. The more calm and business-like you can be about the situation, the more control you will have over the outcome.

-Make sure all of your letters to AFNI are well written and use the appropriate terminology and tone. If you use correct legal terms, the bill collection agency will have to wonder if you’ve hired a lawyer to write the statements for you. This may cause them to back down a little.

-Begin the “debt validation” process. This basically means that you exercise your right to make AFNI prove that you actually owe the debt. If they are unable to do so, your debt is absolved.

-Investigate the statute of limitations in your state. Each state has different laws about how long an individual can be held responsible for their debts. If the collection item you’re dealing with is old, it’s quite possible that the statute of limitations has already run out and you do not need to pay at all.

-Learn about your rights under the Fair Debt Collection Practices Act. If you can prove that your AFNI collections agent is using tactics that violate this act, you can use it against AFNI in your negotiations.

-If you do make an offer to pay, make sure that you include a clause requiring AFNI to remove the collection item from your credit report.

-Hire a lawyer! This is the single most important thing you can do to get your debt deleted and your credit repaired. Most people don’t have the time or expertise to go through all of the above steps on their own. Hiring a credit repair lawyer from Lexington Law is a simple solution to the whole problem.

Once I hired Lexington Law, they took care of everything for me. All I had to do was sit back and wait for the good news to come in. I’m so glad that I found Lexington Law before I made too many mistakes in dealing with AFNI!