Steps To Take When Dealing With Afni Collections

By Chonce Maddox

Last updated 6/25/2020

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Summary: Have you recently been contacted by Afni Collections? You have options and rights when it comes to stopping their calls and removing them from your credit report.

Dealing with debt collectors like AFNI Collections probably gives you the same feeling of anxiousness as a child who’s about to go to the dentist.

Mistakes happen and debt can end up on your credit report.

Debt collection companies like Afni tend to use very aggressive, intimidating and sometimes even illegal tactics to get you to repay a balance.

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If you’re getting calls and letters from Afni Collections all the time, you do have some options if you want to stop it. It’s harder to rebuild your credit with negative marks on your report. 

In this article, I’ll be explaining how to get Afni Collections off your credit report and stop the phone calls. 

But first...

afni collec

Is Afni Collections A Real Company?

Maybe you’ve received a letter or phone call from someone claiming to represent Afni and you’ve wondered ‘Is Afni Collections a scam?’

First off, you have every right to question someone who’s calling you out of the blue about a debt you owe when you don’t recall doing any business with them previously. 

Your creditor may have sold your debt to a collection agency like Afni Collections after not being able to successfully collect the debt from you in the past. 

Negative items on your credit file?  Our 609 credit dispute letters may be able to help get them removed.

Afni Collections is a legitimate company that has been around since 1936. It became incorporated in1965 and is headquartered in Bloomington, IL. Afni Inc is accredited with the Better Business Bureau with an A+ rating and they are legal to assume responsibility over your debt and contact you about it.

Unlike other companies, Afni does have a professional-looking website where they answer common questions and encourage consumers to learn about their rights when dealing with a collection agency. 

Still, Afni Collection has one main goal - to get you to make payments on your debt to settle your account. Afni Inc will still contact you regularly about a balance you owe until you do something about it.

How To Stop Afni Collection Calls

Getting tons of calls about your debt? Afni Collection is good at doing this. While it’s their job to attempt to collect a debt, they don’t have the right to harass you or make you feel intimidated over the phone. 

In fact, debt collection is one of the most regulated industries around. It’s important to know and exercise your rights if you want to stop Afni Collection calls.

According to the Fair Debt Collection Practices Act (FDCPA), collection agencies like Afni Inc. are supposed to adhere to strict guidelines when communicating with you. The FTC enforces that a debt collector:

  • Can’t call you before 8 am and after 9 pm

  • Can’t harass or lie to you when trying to collect a debt

  • Can’t call you while you’re at work if they know your employer doesn’t approve of the calls

  • Must stop calling if you request in writing that they only contact you by mail

Use these rules and regulations to make sure Afni is following guidelines and to stop their calls.

If you only wish that they communicate with you by mail and not by phone, you can request this in writing.

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Below is the contact information for all Afni Collection Agency locations. 

Afni Escalante Tuscon AZ

7810 E Escalante Rd. Tuscon, AZ 85730

(888) 281-2364

Afni Tuscon AZ - Afni La Cholla and River 

5320 La Cholla Blvd Tuscon, AZ 85741

(800) 518-4337

Afni Bloomington IL

1310 Martin Luther King Jr Dr Bloomington, IL 61701

(866) 377-8844

Afni Bowling Green KY

2625 Scottsville Rd #3020 Bowling Green, KY 42104

(877) 448-2364

Afni Opelika AL

1000 Jeter Ave Opelika, AL 36801

(866) 778-2364

Stopping calls from Afni Collections is great, but you still need to take care of the debt or help your credit.

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Steps To Remove Afni Collections From Your Credit Report

Want to remove Afni Debt Collection from your credit report once and for all?

Having a collection account remain on your credit report can seriously damage your score.

In general, a negative mark can stay on your report for up to 7 years - even after you pay it off. 

There are alternatives to this. Start by following the key steps below to remove Afni Debt Collection from your report.

Get The Debt Validated

You have to exercise your right to request that Afni Collection Agency validates the debt they claim you owe. Collection agencies are known for trying to make consumers pay invalid or outdated debts.

If they think you are willing to repay a debt, they will pursue you even if they haven’t confirmed the debt is really yours. 

Send Afni Collection a validation letter requesting that they provide information to prove that the debt is yours and the amount is correct. They will have 30 days to reply once you send a validation letter.

If Afni can’t validate the debt, you should be able to dispute it with the credit bureaus. Be sure to file a dispute with all three major credit bureaus since they all work independently of each other. You can send a letter in writing to the following addresses:


P.O. Box 740256

Atlanta, GA 30374-0256


P.O. Box 9701

Allen, TX 75013


P.O. Box 2000

Chester, PA 19016-2000

You should also dispute it on their websites:

If you do file a dispute by mail or either online, be sure to follow up regularly to get the situation resolved.

Pay For Delete Agreement

If Afni Inc is able to validate your debt, you should try negotiating a pay for delete agreement.

Generally, when you pay a debt off that’s in collections it will still remain on your credit report. While the account can be updated to say ‘paid’ this likely won’t do much to help your score. 

With a pay for delete agreement, you’d agree to pay a percentage of the remaining balance and in exchange, the collection agency would remove the negative mark from your credit. Having the account completely removed from your credit report can result in a much higher score. 

The only condition would be that Afni would have to agree. Some debt collection agencies say they don’t do pay for delete agreements and Afni is no exception. Still, it may be worth a try to ask.

Hire A Professional

You may find more luck by hiring a credit repair company to help you negotiate a pay for delete agreement and get Afni removed from your credit report.

Credit repair companies have lots of experience in this area as well as tools and resources to make the process smoother and get you results fast.

Or visit our review of the best credit repair companies of 2020

Know Your Rights And Don't Give Up

When dealing with Afni Inc or any other debt collection agency, it’s important to know your rights as a consumer and take action to protect and improve your credit.

Afni Collection may seem intimidating at first, and they can file a legal judgment against you and attempt to garnish your wages if you aren’t able to pay.  

However, the key is to get ahead of them on this by doing your due diligence and getting your debt validated.

Try using our resources for successfully securing a pay for delete agreement or hire an expert to negotiate for you.

*Study found 48% of professional credit repair clients who stuck with their service for 6+ months saw an average of 100+ points to their credit score.  Source.

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