For New York residents dealing with AFNI Inc on personal loan debt
Step-by-step guide to filing FDCPA complaints with the CFPB, FTC, and your state attorney general. This guide applies the steps specifically to New York's laws and AFNI Inc's documented collection practices for personal loan debt accounts. In New York, the statute of limitations on personal loan debt is 6 years and wage garnishment is limited to 10% of gross income or 25% of disposable.
6 years
New York Statute of Limitations
$8,018
Average Personal Loan Debt
10% of gross income or 25% o
Garnishment Limit
AFNI Inc has a documented record of FDCPA violations. If any of these occur during your New York collection dispute, document them and file immediately.
Steps customized for New York law, personal loan debt rules, and AFNI Inc's collection patterns.
Common FDCPA violations: calling outside 8am-9pm hours, using profane language, threatening arrest, misrepresenting the debt amount, contacting your employer after being told to stop, or continuing collection after a written dispute.
Collect: call logs with dates and times, voicemail recordings, letters received, certified mail tracking numbers and green cards, and any written communication. The more documentation, the stronger your complaint.
Go to consumerfinance.gov/complaint. Choose 'Debt collection' as the category. Be specific about dates and violations. CFPB forwards complaints to the collector who must respond within 15 days. Collectors take CFPB complaints seriously.
Many states have their own debt collection laws with additional protections. Your state AG can take enforcement action. File at your state's AG consumer protection division website.
FDCPA allows you to sue in federal court within one year of the violation for $1,000 per violation plus actual damages plus attorney fees. Many consumer rights attorneys take these on contingency — you pay nothing upfront.
These strategies apply to personal loan debt specifically. Personal loans are unsecured debt governed by the original loan agreement and state law. If in collections, FDCPA applies. Many collection agencies lack original documentation.
NY General Business Law § 601 + NYC Consumer Protection Law governs debt collection in New York in addition to the federal FDCPA. To file a complaint: AG Consumer Protection.
Key New York Protections:
In New York, wage garnishment is capped at 10% of gross income or 25% of disposable. The following income is protected: Social Security, Unemployment, Workers' comp, Pension, Disability, Veterans' benefits, 90% of wages. AFNI Inc must first obtain a court judgment through proper legal process before any garnishment order can be issued.
The SOL for personal loan debt in New York is 6 years. Once expired, AFNI Inc cannot win a court judgment even if the debt is real. You must raise the SOL as an affirmative defense in your Answer if sued — never ignore a lawsuit.
NY General Business Law § 601 + NYC Consumer Protection Law applies in New York alongside the federal FDCPA. Complaints can be filed with AG Consumer Protection. 90% of wages exempt from garnishment
Send a certified validation letter within 30 days of first contact. Demand the original creditor name and full chain of assignment. AFNI Inc must stop all collection activity until they validate. If they fail to validate, file complaints with the CFPB and AG Consumer Protection.
Generate legally precise dispute letters, cease-and-desist demands, and validation requests built for New York's specific laws and AFNI Inc's documented tactics. Starting at $9.99/month — cancel anytime.