Afni, inc. tried to collect on some disputed dept that T-MOBILE had written off. The amount was only $32.68, but I was unwilling to fork over any money in this difficult economy. I investigated Oregons law and found out that I was entitled to all information regarding the debt. When I tried to get afni to fax over the information they hung up on me. Subsequent phone calls finally resulted in the ommission that they were cancelling my account with them : i.e.- they would no longer pursue the matter and would not report anything to the credit reporting agencies. I am still waiting for this confirmation in writing, but I am not holding my breath. read full review »