These idiots are saying my husband owes T-Mobile $500.00 and will settle for $250.00. He has never had T-Mobile or any other phone company in his name. I told them that and all they said was you've been paying on it for 4yrs. and they had his SS# and everything, how could that happen? I called T-Mobile to see If I could get a phone in his name and they approved him for 4 lines. AFNI are scammers.. WATCH OUT BEFORE THEY TRY TO GET YOU TO!!! read full review »