AFNI Inc Credit Card Debt in Newark, NJ
AFNI Inc is collecting credit card debt in Newark. Average: $5,221. New Jersey SOL: 6 years. Garnishment: 10% of gross income (if earning <250% FPL).
Known AFNI Inc Violations
- • Robocalling without consent
- • Collecting debts already paid to original creditor
- • Inaccurate reporting of debt amounts
Dispute Strategies
- • Request debt validation under FDCPA § 1692g
- • Dispute billing errors under FCBA within 60 days
- • Check if debt exceeds statute of limitations
- • Negotiate settlement at 40-60% of balance
- • File CFPB complaint if collector violates 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
- • Never acknowledge debt verbally — it can restart the SOL
- • Debt buyers often lack original documentation
- • Average SOL is 3-6 years depending on state