afb seems to work out of new york this guy claims to be the owner Miguel Guzman   check out his facebook page   https://www.facebook.com/RealMiggz     hes hiring more collectors now   7165660529

They are now using a new number 1-855-735-4669. They keep threating me and have called my family and today I got a call supposely from a officer from my state stating he will be serving me and/or my work papers taking me to court on fraud charges. I hope they are full of it. Yes I do plan on doing the right thing, but only after I take care of my basic needs and my family. They will have to stand in line. The goverment needs to put a cap on how much interest these PDL can charge it is sad that when you are in trouble people take advantage of you...

716-923-7408 or 855-735-4666

Marval and Associates

200 John James Audubon Parkway
Buffalo, NY 14228

Located near the Amherst Police Department

Also goes by AFB or Audubon Financial Bureau audubonfinancialbureau.com

They are an illegal collection agency that is not licensed in any state and has no compliance officer

Scum Bag owners name is Adam March, Dan Valentine may also be part of this office

Start the sue fest have fun people its your early Christmas present

They are a scam!!!! I actually paid them $800 they said I owed luckily I when I went to my bank and told them what happened and the bank told me what just are doing is illegal and I got my money back ( thank  u fraud protection).. They guy on the phone said they were sending papers to my county courthouse and I will be sued an this and that!! All illegal!!! The worst part is he left all th info on my voicemail and my dads voicemail which is very illegal!! Don't give in! It's a scam!!!

AFB & Associates threatened to send me to jail threatened my friends and family revieled the debt to friends and family also called my work threateneing to arrest me at my place of employment. Real scammers dont give these guys any money you will not ever see it again and the debt will just get passed to the next slime ball.

Funny when you call Audobon Financial Services which is who this is you can't speak to anyone because supposedly they are too busy to take a phone call (why are they too busy scamming people?).  Tells you to leave a message - I think not! Dumb a****!

I received a phone call from a Kelli with AFB & Associates (aka AUDOBON FINANCIAL).  Most unprofessional message ever.  This is after receiving a "cease communication" letter to which someone signed for because I did Cert Mail with return receipt.  So I know they received it.  She stated and I quote: My name is Kelly with AFB & Associates and we have been notified by ?????? County about a case they have complaining.....she giggles and says complaining again and hangs up.

Funny if my County had a case against me they wouldn't have sent it to a collection company.

SCAMMERS!

So what ever happened with this?

I KEEP RECIEVING CALLS FROM AFB I NEVER ANSWER BUT THEN AGAIN I SCREEN ALL MY CALLS THEY CALL 10 TIMES A DAY LEAVEING MESSAGES STATING THAT I AM BEING EVASIVE AND THE CLAIM WILL BE SIGNED OVER AT THE END OF BUSINESS DAY AND GARNISH MY WAGES LIL DO THEY KNOW I DO NOT WORK I AM A FULL TIME MOTHER AND THEY CAN KEEP BLOWING UP MY VOICEMAIL BECAUSE MY LAWYER IS ALREADY ON IT AVOID AFB AT ALL COST ITS NOTHING BUT A SCAM

i sent one before.. but i am reading my granddaughters story with audibon and cash net.. cashnet told me audibon was a scam.. not utilized by cashnet and gave me links to ftc and others.. i contacted a number in virginia law firm that helps the poor and has a hot line.. they said  casdhnet is nota payday loan, however they do not adhere to viginias strict regulations and therefore not required to paqy..

And what brings the Troll to this board today?....just curious.

Knowledge of debt collection law clearly isn't your strong point. This bottom-feeding scam company is violating the FDCPA right and left. Even if these posters did take out a loan, the collection tactics described are illegal, which means they are not obligated to pay these scammers.

You people are pathetic bottom of the barrel trash. And no I don't work for them. The one thing you all have in common is you're broke bc you gave up your SOCIAL SECURITY NUMBER to get a pdl. #pathetionkeys

they are a third party debt collector trying to scare you into paying a debt they bought pennies on the dollar, they can not serve you or sue you or even post to your credit because they do not have bonds or licences, they are full of themselves do not give them any info on the phone

I got a call from AFB but the number that they used was 855-595-2541. Are they scam artists because they say I have debt to pay and that they will take me to court if I don't pay. They also want my debit card number.

Hello I rec'd a call from 855 420 2623 saying they are AFB Associates and have an affidavit about something but won't tell me what it's for but he is going to sign off on it until he speaks with me or my atty before sending to my county courthouse.... is this legit?

This is what they wrote me:
December 27th, 2012 ?
AFB & Associates ? 866-595-3173 : Message from Sky Laurie
    Jennifer Weiss social security number ending in 5171. This is Sky Lauire I?m calling with AFB & Associates. Ms. Weiss a Civil Find is now pending under your name and Social Security number. As of now the civil judgement is scheduled to be expedited to your home or verify place of employment. If you wish to resolve or dispute any allegations to avoid appearing in your local Travis County Court, then  you must contact me back immediately 866-595-3173. My direct extension is 177. Again Jennifer Weiss social security number ending in 5171, you have been officially notified.

HAHA!!! I find that funny!!!!

got a call from AFB 866-595-3173 on my cell phone from a Sky Lawrie. She stated that a civil judgement has already been filed but I've checked with many government agencies and found out that they aren't even able to do business in texas without a bond. If they really want to try and serve me papers in the state of Texas, I'll take them to the State Attorney Generals office for prosecution is illegal collection practices.

THEY HAVE TO BE IN THE STATE IN ORDER TO DO THAT, AND IN TEXAS, THEY HAVE TO BE ABLE TO WORK HERE AS WELL. I'VE CONTACTED A FEW GOVERNMENT CONTACTS AND THEY DON'T HAVE ANY LEGAL RIGHT TO BE HERE IN TEXAS. A PROCESS SERVER WILL ONLY SERVE PAPERS IN THE STATES THAT THEY ARE LICENSED. THE ONLY TIME PAPERS ARE SERVED OUT OF STATE IS IF IT'S AN OUT OF STATE WARRANT FOR ARREST OR REQUEST BY THAT STATES COURT FOR YOU TO APEAR.

They ended up canceling all debt because they knew they could be in big legal trouble.

I was getting scam calls and I took out over 3 payday loans. I had no clue who or what I should pay. so i went through a debt consolidation program they didnt charge me up front and trusted me to pay and started calling my lenders. to stop all the harassing calls and threats. try a debt management company who will not scam you and charge up front fees www.bcspaydayloanrelief.com

No don't send them anything!!! if you want to pay your debt back go directly through the complany that you used, nine time outta 10 they will let you know that they don't outsource your information like that to a third party and more than likely you can go directly through them. Those people don't pay the company they claim to represent, I got scamed like that before it's terriable they are theives don't send them anything and ask for information in writing before you pay anything once they get your account info it's over so beware.

read the other posts.

Actually AFB is a legitimate company, Its some people from India posing as AFB as well that are scaming there name..... I did alot of research and spoke to my family attourney.... But as one of the post said they can't take you to Civil Court because Online PDL's are illegal... But if you have any debt with Cashnet USA or there Sister Company they send your info to Debt Mngt Partners which there number is 1-800-883-9067- which then sells it to AFB the legit one and AFB contacts you trying to collect the debt but the only thing that will happen is it could mess up your credit......

Got the same call today asking for my brother. Bunch of lies and definetly a scam. Also If any collectors call your work, it's considered harassment and you could sue them. Often if they call your work, try to record the conversation or ask to speak with their legal department. A friend got called at work and asked for their legal department. They ended up canceling all debt because they knew they could be in big legal trouble.

Received a call from a man telling me that I needed to call MS Howard today that on Thursday I would be served at work with a Subpoena to appear at the Count House or be arrested
I told to serve the Subpoena  and I would take it up a lawyer

I received a phone call from a Mr.Santarini (Agent #334831) at AFB & Associates stating that I was going to be prosecuted, my wages garnished, a tax lien placed against me and I could be arrested because of fraud.  I listened to what he had to say and took very good notes. I called CashNet USA and spoke with Evelyn who looked me up by my phone number and my social and stated she had nothing on file for me. She apologized and stated that it sounded like I was a victim of a scam. She stated that my debt had been sold to a company Debt Management Partners (DMP) www.dmpllc.biz 1.800.883.9067. I called DMP and spoke with Lacy who stated that my account was sold to another company (AFB) and that is who I would need to speak with to clear it up.  I then decided to called Online Applied Advanced America 1.888.686.9563 with whom I actually had the account with. I spoke with Kimberly who looked up my information and stated I would need to speak with the collections department 1.888.686.9577 as the account had been placed with collections. When I spoke with the Collections department she informed me that the debt had in fact been sold to 3rd party collector AFB...so looks like all roads do lead to AFB...

I just received a call from ABF stating I was going to be procecuted because I owe a debt. I know I owe it, I have never denied that. I have only one income right now. I got scared and called my county prosecutors office and they told me it was BS. They said they would tear up the paper work because it is a civil matter. The prosecutors office said the next thing they will be doing is telling me the sheriff will be coming to arrest me. They said to call back at 1-877-771-9163 they also use a (262) area code on some calls.

Very well said. You are 110% correct. These Bloodsuckers Used Vulnerable  People for Big profits, so they deserved to be used . What goes around comes around.

Just got a message from "Renee" stating my husband needed to call her back because we haven't returned their phone calls and they are sending a judgement to our county court on Tuesday. She also said if he didn't respond then good luck in court. Also, said to consider himself served by receiving this message. REALLY?! Whatever... Yes we borrowed money and paid part of it back. But it's whatever, can't squeeze blood out of a turnip.....