My wife got a call from afni regarding a bill that they said was from Verizon that was dated several months after we moved from where that phone service was. When my wife told the woman to send her a detailed validation she was told that all the law required was the total. Well thanks to this site my wife knows better. Then she wanted my wife to go to a "grocery store" to receive a fax. Yeah right. I went on line and look what I found. Holey Moley! Check out this link about them. budhibbs.com/debtcollectorpages/AFNI.htm or go to budhibbs.com and click on the list of agencies to avoid. This bunch is one oh the worst. Big junk debt scam. It was no coincidence that they tried to change the date. The SOL had run out on this in a few months ago if she owes it at all. I am getting tired of sending validation letters to afni collections but here we go again. Beware of the AFNI scam! This is a huge scam by a company that apparently is trying to climb out of thier own financial mess!