Apex is terrible. The guy has called my in laws over 5 times, called my elderly mother twice. He informed by inlaws that I am dishonest and is sure than many other debt collectors will be calling them.The loser even offered to play the recorded conversation that he had with me, which is not legal since I was not informed that it was being recorded. The guy is a complete loser. I spoke to someone who would not agree to any payment arrangements and was totally unreasonable. I lost my temper and told him to go ahead and take it to court because they have broken many of the fair credit laws. Don't back down to these idiots.
