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.

Illinois
ILAFNI Inc

Dispute AFNI Inc in Illinois

Your Illinois rights against AFNI Inc: SOL is 5 years for credit card debt. Garnishment capped at 15% of gross wages.

5 years

Illinois credit card SOL

Illinois Collection Agency Act

State collection law

Common AFNI Inc Violations

Robocalling without consent
Collecting debts already paid to original creditor
Inaccurate reporting of debt amounts

Illinois Dispute Tips vs AFNI Inc

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

Illinois Protections

Only 15% wage garnishment (lowest in nation)
Collectors must be licensed
10-year SOL on written contracts

Illinois Debt Laws

All protections in Illinois

AFNI Inc Overview

All violations & tips

Dispute AFNI Inc in Illinois — $9.99/mo