AFNI Inc Rent & Lease Debt in Chattanooga, TN
AFNI Inc is collecting rent & lease debt in Chattanooga. Average: $3,200. Tennessee SOL: 6 years. Garnishment: 25% of disposable earnings.
Known AFNI Inc Violations
- • Robocalling without consent
- • Collecting debts already paid to original creditor
- • Inaccurate reporting of debt amounts
Dispute Strategies
- • Document property condition at move-in/move-out
- • Challenge security deposit deductions with photos
- • Dispute excessive lease break fees
- • Verify landlord followed state notice requirements
- • Challenge any charges beyond normal wear and tear
Tips
- • AFNI primarily collects T-Mobile and Sprint debts — get final account statements
- • Dispute equipment charges if you returned devices with proof
- • File TCPA lawsuit if they auto-dial your cell — statutory damages of $500-$1,500 per call
- • Take timestamped photos at move-in AND move-out
- • Most states require security deposit return within 14-30 days
- • Landlords can't charge for normal wear and tear