I had an account with Verizon which was closed, supposedly by another cable company I signed up with. Finding out that it wasn't closed, a few months after the fact, Verizon were still billing me which I tried to dispute. After fighting it out with new cable company for neglect on their part for not contacting Verizon (which they said they would do), I agreed to pay up Verizon but by this time it went to collection. I agreed on a settlement amount and made a substantial payment Few months later Afni (different from first collection... read full review »