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The scheme was targeting Hispanics.“Lying to consumers about debts they don’t owe and harassing and threatening them when they don’t pay are illegal business practices, period,” Lydia Parnes, director of the FTC’s Bureau of Consumer Protection, said on the FTC website.

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After attempting to figure things out, Afni sent me a new bill for $240.45. Gerardo Martinez, Hialeah• A: You shouldn’t have paid that bill.

Because I was afraid to have my credit ruined, I paid it. With no documentation that you owed anything, Afni was just hoping you would fall for the trick.

As small cities go, this is not such a terrible place, though it's not a terribly exciting place either.

If you're 20-something looking for a wild nightlife and big clubs, this is not it, though I think most people could make a niche if they move here and make friends too.

In some cases the bill had been a legitimate one many years ago but has since been paid off; in other cases—myself included—Afni sent collection notices for Verizon bills that simply never existed in the first place.

If you do a Google search for Afni, you find yourself reading the following words: • Q: I received a bill from Afni Inc., a collection agency, for 5.56 I ostensibly owe to Verizon Select Services. Since I have never left anything unpaid, I wanted to know where such information was coming from.

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