AFNI Inc Auto Loan Debt in Fresno, CA
AFNI Inc is collecting auto loan debt in Fresno. Average: $23,792. California SOL: 4 years. Garnishment: 25% or amount exceeding 40x min wage.
Known AFNI Inc Violations
- • Robocalling without consent
- • Collecting debts already paid to original creditor
- • Inaccurate reporting of debt amounts
Dispute Strategies
- • Challenge deficiency balance after repossession
- • Verify the sale was commercially reasonable (UCC requirement)
- • Dispute if proper repossession notice wasn't given
- • Check for state-specific redemption rights
- • Validate any collection attempts under FDCPA
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
- • Lenders must sell repossessed vehicles at commercially reasonable price
- • Many states require advance notice before repossession
- • Deficiency balance collectors must validate under FDCPA