DebtShield
PricingPro PlatformBlogCompare
Log inGet Started

Product

PricingPro PlatformBlog

Suite

DebtShieldDisputeAISubScrub

Features

Credit Card DisputesSubscription RecoveryZombie SubscriptionsBank Fee DisputesMedical Bill Disputes

Resources

How-To GuidesState LawsFAQCompare

Legal

Terms of ServicePrivacy PolicyBlog

From the Pointify Travel Technologies suite:

DisputeAI — Billing DisputesSubScrub — Cancel Subscriptions
DebtShield

© 2026 Pointify Travel Technologies LLC. All rights reserved.

The flagship debt recovery platform.

Florida/AFNI Inc/Auto Loan Debt

Dispute AFNI Inc Auto Loan Debt in Florida

AFNI Inc is collecting auto loan debt in Florida where the statute of limitations is 5 years. Average auto loan debt: $23,792. Garnishment limit: Head of household exempt.

5 years

Statute of Limitations

$23,792

Average Auto Loan Debt

Head of household ex

Garnishment Limit

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

Florida Protections

Florida Consumer Collection Practices Act. File complaints with: AG Consumer Protection.

  • • Head of household wages FULLY exempt from garnishment
  • • Unlimited homestead exemption
  • • State debt collection act applies to original creditors
Florida LawsAFNI IncAuto Loan Debt
Dispute Now — $9.99/mo