Complaint Rating:

I called afni and was told I owe over $75.00 on a verizon account that was closed in June of '97. I have moved a couple of times since then, however I don't recall ever getting a bill from Verizon or GTE especially a delinquent one.

If the bill is legit though, the statue of limitations concerning old debts has run it's course. In my state thats 4 years. What afni is doing is buying old debt hoping that you and I are ignorant of our rights sending us letters trying to make us confirm or commit to payment and if we do, we ourselves have rolled back the statue of limitations to zero. I believe it's called "gotcha."

While I admit I don't remember back 10 years the circumstances surrounding this account, I don't believe I owe Verizon a dime. Without admitting anything, I told afni I would get back with them, and I have in the form of a letter stating: I request a copy of the original agreement, complete payment history from the original creditor, and proof that said collection agency has been assigned to the debt. Until I receive such information, I dispute the validity of this debt!

Their time has run out, and if they send anything to the credit reporting agencies while this collection is in dispute, I've got them by the you know what.