Product: Debt collection

My name is XXXX XXXX. The company harassing me is Afni Collections file number XXXX. They threatened to have my license suspended and they've followed through by claiming that I allegedly owe {$1600.00} for damages caused to a bumper. This allegedly happened XX/XX/21. There was no police report filed. There were no witnesses. The driver who ended up filing a claim initially said there was no damage. There was no insurance information exchanged. This seems like a scam to me. I have had no contact with the driver that filed the claim. I've had no contact with their insurance company. Afni was able to immediately cause my license to be suspended beginning XX/XX/XXXX if a solution isn't reached before then. Afni hasn't responded to my attempts to contact them but they were able to contact the XXXX. I've read lots of consumer reports on Afni and sadly they're always harassing people. There were over 570 complaints on the XXXX site alone. I also saw the US government took them to court for violating consumer laws. I would like an itemized list explaining these charges. {$1600.00} for allegedly repairing a bumper is ridiculous. It sounds like a scam. I would like to see proof that I'm responsible for {$1600.00} worth of damage to a bumper. 

I need my license to continue going to life sustaining doctors appointments and frequent therapy sessions.Afni has endangered my health and wellbeing by taking away my ability to care for myself. I'm diagnosed with XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, etc. I'm being looked at for XXXX XXXX as well. I can provide documentation proving my diagnosis '. I struggle with communicating on the phone ( due to my disorders ) but email and text is totally fine. My stepmother XXXX XXXX XXXX ) completed XXXX  last month and I'm struggling with that and the death  of another friend a few weeks later. I have XXXX. I have no real income. I'm extremely distressed from this entire situation. I'm grieving. I'm XXXX. I have nothing worth taking. 

Afni is also endangering my harm reduction outreach work. There is a very real possibility that if I can't reach these folks that they could become very sick or even die. My group visits houseless camps, folks staying in immobile vehicles, folks staying in abandoned buildings, folks stuck in packed houses, etc. These folks are freezing and have no transportation to speak of. If we don't show up no one else is coming. If I ca n't drive due to an outrageous suspension they'll suffer because of it. 

If it's ruled that I have to pay this thing is there a way to reduce it to a more reasonable amount and can I start a payment plan? I can't believe Afni can tear my whole life apart for an accident that there is no proof of. Afni just takes money away from whoever they want by holding licenses and credit scores hostage. I would need Afni to notify the XXXX to release my license after making a payment arrangement. They're going to suspend my license XX/XX/XXXX. I have a completely clean driving record. I've never been in an accident. I've never been arrested. I have one speeding ticket and it is two years old. 

If I'm forced to hire a lawyer who should they contact to discuss this? What email address should I give them? I've never had to deal with this before. I need this resolved immediately. My birthday is in less than a week and I can't even enjoy that with this ax hanging above my head. 

Thanks for taking the time to read this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oh XXXX XXXX XXXX