Apex Asset Management and its agents must follow strict federal consumer protection laws when collecting debts. Repeated or excessive phone calls, including early morning or late-night calls, may qualify as harassment. Debt collectors cannot use fear tactics such as false threats of lawsuits, wage garnishment, or arrest. They are also required to send a written notice explaining the d... https://protectionforconsumers.com/stop-apex-asset-management-debt-collection-harassment/