I also got a letter on the 18th of Dec. 2007 from Afni claiming my husband owes $120.00 from a phone bill from 1999! I called IMMEDIATELY because I know that the statute of limitations on this debt has LONG since passed, and that they can't put this debt on his credit report either because legally things can only go on your credit for 7 years from the "last active" date. Which in this case they claim is 1999. SO, with that knowledge in hand I called and informed them that I know my rights and that I want verification that this debt exists. They actually SUGGESTED that I don't write in to have them verify the debt, that I just send in a ceaase and desist letter to keep them from contacting me. They said it would be a waste of time and a waste of their manpower to send me records and bills if I wasn't going to pay it anyway. They told me NUMEROUS times it wasn't worth it, to just send the cease contact letter. DUH- because they don't have the verification!!! There is no bill, never was a bill!! SO, feel free to call them and let them know that this debt is past the statute of limitations in ANY state...you can find this info out online. I think the longest statute on any type of debt is 7 years. This means they cannot legally sue you, no legal action can ever be taken against you. You are protected by the law. LET THEM HAVE IT. Make them go through the records they claim to have and send you copies! If they don't, then they can't keep coming after you! Problem solved.
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