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Michigan/AFNI Inc/Utility Debt

Dispute AFNI Inc Utility Debt in Michigan

AFNI Inc is collecting utility debt in Michigan where the statute of limitations is 6 years. Average utility debt: $800. Garnishment limit: 25% of disposable earnings.

6 years

Statute of Limitations

$800

Average Utility Debt

25% of disposable ea

Garnishment Limit

Known AFNI Inc Violations

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

Dispute Strategies

  • File complaint with state Public Utility Commission
  • Request billing audit and meter verification
  • Apply for utility assistance programs (LIHEAP)
  • Dispute estimated vs actual billing
  • Challenge reconnection fees if disconnect was improper

Michigan Protections

Michigan Collection Practices Act (MCPA). File complaints with: AG Consumer Protection.

  • • MCPA provides additional protections beyond FDCPA
  • • Minimum $250 per violation
Michigan LawsAFNI IncUtility Debt
Dispute Now — $9.99/mo