AFNI Debt Collection Harassment

Tired of AFNI Debt Collection Harassment? Wish there was a way to make the calls stop? Is AFNI constantly calling and harassing you? Does your phone ring every day, several times per day, because AFNI is calling you to demand payment? Threatening you with legal action? Has AFNI ever used abusive or profane language when speaking with you on the phone? If so, AFNI may be violating your legal rights. Stop the harassment.

The Fair Debt Collection Practices Act, also known as the FDCPA, protects consumers’ rights in the context of debt collection. In other words, debt collectors must adhere to a certain set of rules when they are pursuing consumers who owe money. If a collector violates the FDCPA, you can sue the collector in court. The law allows consumers who have been victims of harassment from debt collectors to get the calls to stop in addition to recover statutory damages of up to $1,000, plus attorney fees and court costs.

Is AFNI a scam?

According to the Better Business Bureau website, AFNI has been in business since 1936. There have been 534 customer complaints filed.

AFNI Better Business Bureau

Who is AFNI?

AFNI is third party debt collector located in Bloomington, Illinois. They has been a party to over 2220 federal cases based on their issuance of credit and collection of debts incurred on their credit cards.  A recent Federal Court cases alleges that AFNI used repeatedly calls and illegally reported false information to the credit bureaus to attempt to coerce a payment from the harassed consumer.

Address: 1310 Martin Luther King Dr
Bloomington, IL 61701-1465
Phone: (800) 767-2364

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AFNI Debt Collection Harassment Tactics

If AFNI engages in any of the following tactics, you may have a case:

  • Calls before 8:00 a.m. or after 9:00 p.m. or at any time or that they are given notice that it is inconvenient to call
  • Talking to others about your debt
  • Call the consumer’s place of employment if they have been advised that calls cannot be accepted at work.
  • Use any profane language or any language that is harassing and abusive
  • Engage in any conduct, the natural consequence of which is to harass, abuse or oppress.
  • Make any misrepresentations of fact, such as how much is owed, or certain actions they may take to force payment
  • Threaten arrest or criminal prosecution
  • Send false information to the credit bureaus
  • Cause a telephone to ring an unreasonable amount of times

AFNI Phone Numbers             

Are you receiving any harassing phone calls from any of these numbers?

866-352-0479, 866-377-8844, 877-545-2474

If so, you may be a victim of AFNI debt collection harassment. The list above is not all the numbers that AFNI uses. Also, calls can be from a different numbers and it still be AFNI calling you.  Contact our office right away so we can start the process to stop AFNI from calling you illegally. Above all, no one should live with harassment.


Common Questions:

Is AFNI a scam? No, AFNI has been in business since 1936.

Can AFNI seize my property? AFNI can’t seize your property, but there are some exceptions. If the debt was tied to the property the collector may be able to repossess it. Or, if the collector has sued and obtain a judgment against you, the debt collector may be able to take certain property as permitted by the court.

Can AFNI sue me? Yes, AFNI can sue you so long as the debt is within the statute of limitations.

Can AFNI report my debt to the collections bureaus? Yes, Debt collectors are allowed to place the collection account on your credit report

Can AFNI arrest me? Debt collectors don’t have the authority to have you arrested for a debt. However, if you violate a court order, e.g. an order to appear in court, the judge can issue a warrant for your arrest. Depending on the laws in your state, you may be arrested for certain debts like unpaid child support or traffic tickets.

The following is a sample list of complaints filed against AFNI Inc. in 2019 and can be found on

1:19-cv-01210-SEB-DML HICKS v. AFNI, INC.

2:19-cv-01944-DDP-AS Antonio Owens v. AFNI, Inc.

1:19-cv-20652-DPG Nickles v. AFNI, Inc.

1:19-cv-20651-XXXX Nickles v. AFNI, Inc.



Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Contact a legal professional to stop AFNI debt collection harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.

Consumer Rights Law Firm, PLLC Better Business Bureau

If you are interested in learning more about how to safeguard yourself and prevent AFNI debt collection harassment, call us at (877)700-5790 for immediate assistance or visit our website at

Success Stories

“I would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! They were very professional and straightforward about my rights”.

“I had the pleasure of dealing with Consumer Rights Law Firm PLLC on 2 different occasions the staff were very courteous and helpful and they were familiar with the Collection Agency’s in question and the harassment calls stop, I was even compensated. I would recommend this company to anyone going thru this type of harassment a very satisfied customer”.

“Because of a lie from a third party debt collector that threatened me financially I nearly made the mistake of paying the debt collector money I couldn’t afford. The people here were friendly, knowledgeable and settled my case quickly. THANK YOU SO MUCH!!”

Check out a links below for more information:

Illinois Attorney General 

Consumer Financial Protection Bureau


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