Apex Financial Management is a manifestation of the evil that is our credit-based society. They have half-wit, uneducated people running the phone lines who probably make just over minimum wage, and they treat you like they're the CEO's of the company and you're the ###. The truth is, they're desperate, and that desperation comes through when they threaten you.
At the risk of having my comment deleted, pay your bills and to HELL with them!
