Apex financial? They told me they are attorneys. And in fact, the caller ID states as Apex ATTs. Talked to one guy from Apex who told me he was coming to Anoka County (dont live in this county anyway)this week and file a criminal (?) complaint for stealing from them since they have the balance of an account from me from a former credit card that he won't mention. hmmm.. .. However, I told him to go ahead so at least I will see what the deal is all about