Apex Credit Services, LLC - Collections Law - Corporate Law - Business

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Expert Profile: Apex Credit Services, LLC

Expertise: Our expertise encompasses the legal frameworks under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act amendments to the FCRA, and the FCRA. We are also well versed in Tennessee and West Virginia consumer law as well as Texas consumer law. DISCLAIMER: NO PART OF ANY COMMUNICATION FROM APEX CREDIT SERVICES, LLC IS TO BE CONSTRUED AS LEGAL ADVICE. APEX CREDIT SERVICES, LLC IS NOT A LAW FIRM. SHOULD YOU SEEK LEGAL ADVICE, CONSULT A LICENSED ATTORNEY IN YOUR JURISDICTION.

Experience in the area
Our staff is comprised of CCPA experts. Apex Credit Services, LLC, which is a registered, licensed, and bonded credit services organization and certified by the Consumer Data Industry Association.

Organizations
Better Business Bureau

Publications

Education/Credentials

Past/Present Clients
Flagstar Bank Chase Bank

Ask a Question	View Past Answers	View Ratings

Average Ratings
Prestige Points: 2900
Knowledge	9.88 Best of the best
Clarity of Response	9.75 Best of the best
Timeliness	9.83 Best of the best
Politeness	9.95 Best of the best
Number Of Questions (in Past 24 Hours)		2
Max Questions to be Asked (in 24 Hour period)		3
Total Questions (since joining AllExperts)		713

Recent Reviews from Users

Knowl	Clarity	Time	Politeness	Date
10	10	10	10	11/26/08
10	10	10	10	11/23/08
10	10	10	10	11/16/08
10	10	10	10	11/01/08
10	10	10	10	10/28/08

User Comments

thank you very much
(jenn on 11/23/08)

Thank you for the quick response.
(Minia on 11/01/08)

This answer was very helpful. Thank you very much!!!!!
(Joshua Brown on 10/28/08)

View All Comments

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Recent Answers from Apex Credit Services, LLC

2008-11-26 Is this allowed: Kristian: No, it is impermissible under the FDCPA for a debt collector to speak to anyone aside yourself unless "they are trying to locate" the debtor. Their statements take them out of such immunity...

2008-11-25 credit card debt interest: Jonell: No, not unless their purchase included language of such right. I doubt that it did insofar as most debt purchases are purchased in large portfolios with scant information. Apex...

2008-11-22 JUDGMENT: Tammy: You would need to institute a civil action via filing a Complaint and having the offending party served with service of process. Thereafter, and assuming you obtain a judgment, you would need...

2008-11-21 cell phone collection: Jenn: Absolutely. Just make sure that you have a record of it. If they verify it, you'll have more violations of the WVCCPA. For what it's worth, if you can't get it off your reports and need to...

2008-11-20 Partial Payments in Georgia: Roberta: You're referencing the doctrine of accord and satisfaction and it does not work in the way you describe. Most creditors have clauses within their promissory notes which negate this principle...