Collection Agency Help (AFNI)

[Anonymous]

Hello I received a letter from AFNI, Inc trying to collect on an old cell phone bill from T Mobile.  They said I owed T Mobile $338 but would settle for $100.

I sent them a debt validation letter and they replied back.   The sent me the original T Mobile bill  that states $338 was due on 12/14/2004 for service charges from 10/18/2004 - 11/18/2004.

I remember having T Mobile service back then but never received any notices from T Mobile and there are no negative items on any of my reports from T Mobile.

Should I pay AFNI, Inc the $100?

Thanks,

[Anonymous]

I'd offer a PFD. But they have been known to GW later if you can't get a PFD (they GW'ed me).

[p-]

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@Anonymous wrote:

Hello I received a letter from AFNI, Inc trying to collect on an old cell phone bill from T Mobile.  They said I owed T Mobile $338 but would settle for $100.

I sent them a debt validation letter and they replied back.   The sent me the original T Mobile bill  that states $338 was due on 12/14/2004 for service charges from 10/18/2004 - 11/18/2004.

I remember having T Mobile service back then but never received any notices from T Mobile and there are no negative items on any of my reports from T Mobile.

Should I pay AFNI, Inc the $100?

Thanks,

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I couldn;t get AFNI to accept a PFD, so I contacted the original creditor, paid them,

[pizzadude]

This item will be past the credit reporting time period in july 2012 so it may never show on your reports....

[Lois5669]

Isn't the SOL past on this anyway?

[Anonymous]

That's what I was thinking....I would do a pay for delete but there are no negative items on my credit report to delete.

[Anonymous]

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@Lois5669 wrote:

Isn't the SOL past on this anyway?

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SOL is the time frame where you can be sued for the debt.  It's different than the date it is not longer on your credit report.