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Submitted: 1/16/2007 8:54:02 PM Modified: 1/17/2007 7:41:14 PM

i receved a bill from them saing i owe $239.32 for a bill from verizon communications,inc .we havent bent verizon for over 20 years&all bills are payed in full!!NO BODY CAN CONTACK THEM BY PHOME OR EMAIL I M NOT SENTING MONEY TO A PO BOX FOR A BILL I DON;T OWE ,WOULD YOU!! James sun city, California U.S.A.

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Rebuttal Consumer Suggestion Submitted: 1/17/2007 5:31:17 PM Modified: 1/17/2007 7:41:13 PM

RECOMMENDATIONS - SOL HAS PROBABLY EXPIRED

Corporate Headquarters 404 Brock Drive Bloomington, IL 61702-3097 800.767-2364 Afni, Inc. 404 Brock Drive Bloomington, IL 61702 USA Contact: Jim Hess, Director, Business Development Phone: 800-767-2364, ext. 3321 Fax: 309-820-2632 Email: jimhess@afninet.com Afni, Inc. IL 309-663-4510 Jim Hess Website: afninet.com President and COO: RONALD L GREENE 404 BROCK DRIVE BLOOMINGTON 61701 Secretary: GREGORY J DONOVAN same address Bruce F. Griffin Chairman and Chief Executive Officer Ronald L. Greene President and Chief Operating Officer Greg Donovan, CPA Vice President of Employee Services Stenia Dziadiw Vice President of Sales & Business Development Michael D. Garner Vice President of Call Center Services John Mobley, Jr. Vice President, Information Technology Services and Chief Information Officer John O'Donnell Vice President of Credit & Collections Services Organization Number 0491821 Name AFNI, INC. Profit or Non-Profit P - Profit Company Type FCO - Foreign Corporation ***** Status A - Active Standing G - Good State IL File Date 3/27/2000 Authority Date 3/27/2000 Last Annual Report 5/1/2006 Principal Office 404 BROCK DRIVE BLOOMINGTON, IL 61701 Registered Agent C T CORPORATION SYSTEM KENTUCKY HOME LIFE BLDG LOUISVILLE, KY 40202 Current Officers President Ronald L. Greene Vice President Gregory J. Donovan Secretary Gregory J. Donovan Treasurer V. Curtis Oyer Director Bruce F. Griffin Director Ronald L. Greene This organization has no assumed names Previous Names previous company names: 06/24/1986 - CREDIT CHECK INC. 06/29/2000 - ANDERSON FINANCIAL NETWORK, INC. For collection-related inquiries, contact our Recovery Team at 1.800.371.3645, by mail at Afni, Inc. PO Box 3517, Bloomington, IL 61701 or email at: recoveryteam@afninet.com. To handle your collections account on the internet, visit the collections website at AfniCollections.com Important Note Regarding Collection-Related Inquiries: If you choose to communicate via email, please remember that no matter how many measures Afni takes to ensure the confidentiality of your email, the Internet may be a non-secure medium for communication. If you choose to communicate your collection-related inquiry via email, Afni cannot be responsible for any possible disclosure of an account to a third party COLLECTIONS PORTION OF THE COMPANY URL APPEARS TO BE AFNINET.COM Anderson Financial Network, Inc. 404 Brock Drive Bloomington, IL 61701 Administrative Contact: Girard, Chris g@AFNINET.COM Afni 404 Brock Dr Bloomington, IL 61701 (309) 828-5226 fax: (309) 820-2610 Technical Contact: Anderson Financial Network, Inc. oktober_isbell@HOTMAIL.COM 404 BROCK DR BLOOMINGTON, IL 61701-2654 US 309.828.5226 fax: 123 123 1234 GENERAL INFORMATION FROM VARIOUS SITES ON DEALING WITH COLLECTION AGENCY'S Tell them to provide the following: „h What the money they say you owe is for; „h Explain and show me how they calculated what they say you owe; „h Provide copies of any papers that show you agreed to pay what they say you owe; „h Provide a verification or copy of any judgment if applicable; „h Identify the original creditor; „h Prove the Statute of Limitations has not expired on this account „h Show that they are licensed to collect in my state „h Provide your license numbers and Registered Agent The agency has 30 days to provide the proper documentation as requested in the letter. STATUTES OF LIMITATIONS Collectors only have a certain amount of time to sue you for payments. The first thing you should do is determine if the statute of limitations for collecting a debt in your state have past. If the debt is older than the statute of limitations, tell the bill collectors they are wasting their time by harassing you for an uncollectable debt, as the original creditor or the assigned collection agency cannot take you to court to get a judgement. To see the time limitations on the different kinds of debt 1. NEVER talk to a collection agency on the phone. Period. Send the validation letter via registered mail return receipt requested. ***DO NOT SIGN THE LETTER *** Type your name. CA¡¦s have been known to forge signatures on documents to re-age the accounts. 2. If you feel you must negotiate with a collection agency ¡K Get your terms in writing before you pay. DO NOT PAY ANY AMOUNT FROM YOUR PERSONAL/BUSINESS CHECKING ACCOUNT. OBTAIN A CERTIFIED CHECK OR MONEY ORDER FROM A BANK WHERE YOU DO **NOT** DO BUSINESS. CA¡¦s have been known to try to attach more than you agreed to. Everything must be in writing and, even then, you will probably have to fight to make the creditor live up to his end of the bargain. 3. Keep good records. This can be the difference between a good and bad settlement. Don't expect them to remember you or what you agreed upon. 4. Send all correspondence via registered mail, receipt requested(about $3-$4 a letter). 5. Keep a copy of every letter you send. 6. Penalties and extra interest are typically fictious amounts of money added on by the collection agency to pad their profits. Sometimes as much as to 50% of the debt or more claimed to be owed by a collection agency consisting of interest and fees. 7. Time is on your side. As time passes, the creditors will likely stop calling and the debt will be filed away for future attention. The longer the debt remains uncollected, the better your chances will be of getting a good settlement. Eventually, the creditor will consider the bad debt a loss in order to receive a corporate tax write-off. This does not necessarily mean that they won't pursue you for the debt. The corporation may then collect on the debt themselves, sell or assign the debt to a collection agency, press for a judgment P - Dallas, Texas U.S.A.