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June 4, 2013 by  
Filed under Blogs, Collection Agencies

by: Michael Creditfirm.
afni collections


Founded in 1936, Afni Collection Agency got its’ start in Bloomington, Illinois under the name H.A. Slaven’s Collection Bureau.  In 1976, the company was purchased by Earl Anderson who changed the name of the company to Anderson Financial Network, Inc.  9 years later, in 1985, Anderson was joined by Bruce Griffin as new general manager, and the two began opening satellite offices for the collection agency around the entire country. All of the satellite offices reported to one central main office, which was located in Bloomington, IL. The company was later renamed Afni, Inc to shorten its’ name from Anderson Financial Network, Inc.

Afni is a full service collection agency which means that they are not only a debt buyer, but also a third party debt servicer.

Afni Contact Information

Phone number: 1-877-403-0670
Fax: (309)-828-0931
PO Box 3427
Bloomington, IL 61702-3427

Afni Complaints

Afni has a history of complaints for everything from intimidation and harassment  to debt re-aging. The BBB has  closed over 900 complaints for Afni over the last 3 years. Although there have been several complaints against Afni’s collection procedures and billing practices, they have yet to be fined or punished by the federal government (FTC or the CFPB).

Afni typically handles a lot of accounts for local towns, counties, and states. (Collections for parking/speeding tickets, toll violations, unpaid fines). Afni even handles collections for the IRS.

Knowing all of that, it’s not very difficult to see why the federal government has yet to act on any of the thousands of complaints to state attorney general offices.

Solution for Afni Collection Accounts

Credit Firm.net has helped thousands of their clients delete Afni collection accounts from their credit reports.  If you have been contacted by Afni or have a Afni Collection account reporting on your credit report, it will be in your best interest to learn your consumer protection laws, like the FDCPA, in order to keep Afni honest.


Why Choose CreditFirm.net?

Assurance. Our Credit Repair process was developed by experienced attorneys.

Speed. Documents are typically processed and sent out for investigation within 5 days.

Support. Award winning customer service guarantees your satisfaction.

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How to Negotiate with Debt Collectors

April 9, 2013 by  
Filed under Blogs, Collection Agencies

by: .

Debt-SettlementGetting behind on your bills can be suffocating, but getting back out of debt and paying off your creditors may seem like an insurmountable task.

Negotiating with creditors doesn’t have to be as stressful as it may seem.

Follow these 5 rules when setting your debt.

1. Create an Action Plan

Before you even begin contacting your creditors and negotiating a settlement, you must have a clear and concise plan of how you intend to repay the debt (lump sum or payment plan). Gather up all of your debt and figure out how much available money you have each month to pay toward your debt. Then divide that total amount into each individual account allocating a specific maximum amount you can afford to pay for each debt monthly. This will help you understand the limits of what you can and cannot afford to pay.

2. Ask for a Lower Interest Rate

Many people don’t know this, but collection agencies are allowed to charge you interest on the debt which they hold. This interest rate may not seem like much but can quickly double or even triple the total amount due in a very short period of time.  If you opt for a debt repayment play, ask your creditors to reduce or even eliminate their interest rate, thereby saving you money and allowing you to become debt free faster.

3. Low-Ball Offer

Start the negotiating process off with a lowball offer you know they probably wont take. If you have $2,000 in debt and the debt collector wants $1600, offer $100 to settle the account in full. Although the collection agency probably won’t bite on that offer, they will be more willing to reduce their settlement offer considering the huge gap.

3. Mention Bankruptcy

While negotiating for the best settlement option possible, be sure to mention Bankruptcy to the debt collectors as one of your options if you cannot workout a deal with them. Collection agencies paid money for your debt, and considering no one likes losing money, they may be more likely to take a lower offer from you instead of not getting anything at all.

5. Say No

Rejecting the collection agencies offers and hanging up a few times will dissipate any sense of urgency on your part and make the collection agency take the first step toward reducing the settlement amount. Saying no will give you the upper hand in the negotiating process and put you in control of the amount of money you settle the account for.


Tell the collection agency that you only have a certain amount of money toward paying off your debt. (Don’t tell them what that amount is.) But do tell them that if you cannot work out a deal with them, that you appreciate their time and help, but you allocated a certain amount of money toward paying off your collections, and if they can’t accept your offer, you will contact one of your other collection accounts and offer them the money.

Negotiating with collection agencies may be challenging, but if done correctly, it is possible to save a lot of money. Good Luck!


Why Choose CreditFirm.net?

Assurance. Our Credit Repair process was developed by experienced attorneys.

Speed. Documents are typically processed and sent out for investigation within 5 days.

Support. Award winning customer service guarantees your satisfaction.

CreditFirm.net Review

3 Ways to Stop Collection Calls

December 4, 2012 by  
Filed under Blogs, Collection Agencies

stop collection agency callsFalling behind on your bills usually results in a plethora of collection calls. Initially, these calls tend to be kind customer service reps giving you friendly reminders to pay your bills.  But very quickly the customer service representatives can become belligerent and harassing, demanding that you pay your bills or else threatening legal action if you don’t.



Here are 3 ways to Stop Collection Calls

one Ask the collection agency representative to provide his/her identity and their agency’s address. Send a letter to the collection agency telling them to stop calling. It is illegal for a collection agency to call you either at home or work once you give them written notice to stop.
two Recording the phone conversation can also help you to stop collection calls. Inform the collection agency representative at the beginning of the call that you are taping the call as evidence for filing a formal complaint with the State Attorney General and the Federal Trade Commission.
three Setup phone call filtering. Most phone companies offer “anonymous call rejection”. If the calling party is not displaying caller id information, your phone will not ring. Instead the calling party will be confronted by a phone company system that will prompt the caller to leave a very short voice message which is subsequently played to you giving you a chance to accept the call. This will weed out a great many collections calls.


Know Your Rights:

  • Even if you owe a debt, a collector cannot use abusive language. Under FDCPA law, a collector is not allowed to make any kind of threat or use abusive language. Violating this law opens the collection agency to fines from the FTC and a law suit from you.
  • Debt collectors cannot call you before 8:00 a.m. or after 9:00 p.m.
  • State and Federal laws do not allow debt collectors to talk about your debt to anyone without your permission. Debt collectors are also prohibited from contacting you while you are at work.

CFPB to Oversee Collection Agencies

November 1, 2012 by  
Filed under Blogs, Collection Agencies

cfpbThe United State’s consumer finance watchdog agency (The CFPB) will now monitor the day-to-day operations of collection agencies and junk debt buyers.

This is the first time that collection agencies’ day to day business practices have been subjected to federal scrutiny since the 1980’s.

This expands the oversight of the Consumer Financial Protection Bureau (CFPB). The agency was set up after the financial crisis of 2008 to protect consumers from misleading marketing, unfair fees, and other harmful practices.

Collection agencies have long been criticized for unethical business practices like calling employers, friends, or relatives of debtors and disclosing private financial information in order to embarrass the debtor into paying the debt. Some of the practices violate federal laws like the FDCPA which provide protection against harassment and intimidation.

About 30 million Americans have, on average, $1,500 of debt that is in collections. That information is then reported to credit bureaus (Equifax, Experian, and TransUnion), which lowers consumer’s credit scores.  Collection agencies have the power to affect a person’s ability to finance a car, home, or even get a job.

The CFPB already supervises mortgage companies, private student lenders and payday lenders. Those industries were placed under its watch in the 2010 overhaul of financial laws, which established the agency.

Collection agencies are a part of the second group, after the credit bureaus, that the agency is choosing to include in its supervision program. The CFPB started overseeing the credit bureaus last month.

West Asset Management

March 22, 2012 by  
Filed under Blogs, Collection Agencies

by: Michael Creditfirm.

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West Asset Collection

West Asset Management Bio

Founded in 1986 and headquartered in Omaha, Nebraska, West Asset Management is a licensed collection agency with 14 locations in 13 states plus an offshore location in Makati City, Philippines. West Asset Management services clients within the communications, financial services, government, healthcare, higher education, insurance, and utilities industries. West Asset Management typically buys older debt at a substantial discount in an attempt to collect from the consumer.

West Asset Management Contact Information

Phone number: (402) 546-7075
7171 Mercy Rd
Omaha, NE 68106

West Asset Management Complaints

There have been several complaints against West Asset Managements collection procedures.  According to several sources, West Asset Management consistently fails to validate debt and disclose all information on their debt.  They have also been known to contact consumers regarding already paid accounts, threatening to illegally withdraw money from bank accounts, calling consumer’s family members and places of employment, leaving offensive/harassing voicemails and text messages.

In 2011, the FTC levied a $2.8 million fine (the largest fine against a collection agency to date), against West Asset Management for the following violations:
•    Misrepresenting that debtors will be arrested or have their property seized if they don’t pay;
•    Making false statements to collect a debt or obtain information about a consumer;
•    Withdrawing funds from consumers’ bank accounts or charging their credit cards without their consent;
•    Depositing postdated checks before the date on the check, or threatening to do so;
•    Revealing to third parties that a consumer owes a debt;
•    Asking a third party for a consumer’s location information more than once without the third party’s consent or a reasonable belief that the person’s earlier response was wrong or incomplete and that the person now has correct location information;
•    Calling consumers before 8 a.m. or after 9 p.m., or at their workplace;
•    Communicating with a consumer after receiving written notice that the consumer refuses to pay or wants the collector to stop calling
•    Using obscene or profane language, or harassing consumers with repeated phone calls.

The Solution for West Asset Management Collection

Credit Firm.net has helped thousands of their clients delete West Asset Management collection accounts from their credit reports.  If you have been contacted by West Asset Management or have a West Asset Management Account reporting on your credit report, contact Credit Firm.net to improve your credit.

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