AFNI Inc is collecting auto loan debt in Wisconsin where the statute of limitations is 6 years. Average auto loan debt: $23,792. Garnishment limit: 20% of disposable earnings.
6 years
Statute of Limitations
$23,792
Average Auto Loan Debt
20% 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
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
Wisconsin Protections
Wisconsin Consumer Act. File complaints with: AG Consumer Protection.
• Low 20% wage garnishment limit
• Community property state — spouse debt implications