I received a collection and settlement letter(s) at the same time from these people about a week ago. The First letter stated that I owe Verizon $340.00 for a telephone account that was paid off and canceled back in 1999, the second letter receive at the same time sated that they (Afni, inc) will be willing to settle for $170.00 half of the original amount. I called Verizon to dispute and find out about this so-called debt, but they could not give me any information because they only keep information for 7 years and older accounts 8 + years that owe money are sold to Afni or other collection agencies, my account was sold to Afni. I still puzzled why my account was shown as open with a balance. So preceded to contact Afni and the rep was only interested in collecting the money and not willing to listen or help with my problem, instead he started to intimidate me saying that if I decide not to pay they will report the debt to the credit agencies and/or sue me. Anyhow I started to inquire about this collection agency on the web and find out that my case was not the only one, according to this web page and others containing complains about Afni there is something very suspicious about this collection agency, now I do have a couple questions, according to the statute of limitations in my state any for debt considered Open Accounts is 3 years this means that Verizon had the chance to collect this debt from the last time the account had any activity until 2002. My current credit nor my old credit reports show anything regarding this supposed debt with Verizon, however, I did notice but not payed close attention to the fact that Afni had inquire on my credit report back in 2006, why? I wonder if that is legal since they do not give credit or extend loans. A dispute letter was sent out to this collection agency and still pending a reply. I would suggest anyone having this type of problem to first not to agree to pay or settle with this people unless of course the debt is valid, second request a copy of the history from the original creditor and third dispute the debt in writing (you can find more info here http://www.debt-n-credit-letters.com/) hope this help people facing this problem and help stop this collection agency.