Apelles LLC debt collection harassment occurs when collectors violate the Fair Debt Collection Practices Act (FDCPA) through excessive calls, threats, or contacting third parties about your debt. If you believe Apelles LLC has violated federal law, you may be entitled to statutory damages up to $1,000 plus attorney fees at no cost to you.
Is Apelles LLC Calling You About a Debt
Apelles LLC is a third-party debt collector that may contact you regarding unpaid debts. Debt collectors like Apelles LLC may threaten legal action or claim they will garnish your wages. They might call at odd hours or contact you multiple times daily, disrupting your peace. In some cases, they could inform friends, family, or neighbors about your debt. These actions may violate federal law and constitute debt collection harassment that you can challenge legally.
Is Apelles LLC Legitimate or a Scam
Apelles LLC is a legitimate business, not a scam. According to the Better Business Bureau (BBB), Apelles LLC has been operational for 16 years, providing debt collection services. While this implies credibility, there are significant concerns. The BBB has recorded at least ten complaints against them, with many consumers voicing frustration over their tactics. These complaints range from aggressive communication to misleading information.
While Apelles LLC is legitimate, their conduct has made many consumers question their practices and seek legal help.
Related: Lakeside Receivables Debt Collection Harassment
Who Is Apelles LLC
Apelles LLC is a third-party debt collection agency located in Columbus, Ohio. They handle debt collection for other entities, pursuing individuals who owe money. However, their methods have drawn scrutiny, especially when dealing with delinquent consumers. Apelles LLC has been involved in over 30 federal court cases, facing allegations of violating consumer rights through harassment and coercive tactics.
Contact Information:
Address: 3700 Corporate Dr. Ste 240, Columbus, OH 43231-5001
Phone Number: (614) 899-7322
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) protects consumers from abusive practices by debt collectors. You have rights when dealing with debt collection agencies like Apelles LLC. Debt collectors must follow specific guidelines and cannot engage in harassment.
Prohibited Collection Practices
The FDCPA prohibits these practices:
Repeated or Continuous Calls The FDCPA prohibits repeated calls that annoy or harass you. Courts have found 7-10 calls per day potentially excessive and may constitute harassment.
Abusive Language Debt collectors cannot use obscene or profane language when speaking to you. Any form of verbal abuse violates federal law.
Disclosure of Debt Collectors cannot discuss your debt with others, such as family members, neighbors, or your employer, without your consent.
False Claims Making false or misleading statements is illegal, such as pretending to be a government agent or attorney, or threatening actions they cannot legally take.
If Apelles LLC engages in any of these practices, you may be entitled to take legal action. Pursuing a case against them can award you up to $1,000 in statutory damages and coverage for your attorney fees.
Related: Central Management Group Debt Collection Harassment
How to Stop Apelles LLC Phone Harassment
Dealing with Apelles LLC phone harassment can be overwhelming. Here are steps you can take to protect yourself and build a case if needed:
Document Every Interaction
Keep a detailed log of when Apelles LLC contacts you. Write down the date, time, caller’s name, and details of the call’s content. This documentation can be crucial if you file a complaint or pursue legal action.
Request Written Communication
Ask Apelles LLC to communicate with you via email instead of phone. Make this request in writing and send it via certified mail so you have proof of receipt.
Know Your Rights
Familiarize yourself with the provisions of the FDCPA. By understanding what is and isn’t allowed, you can better recognize when Apelles LLC crosses the line.
Send a Cease and Desist Letter
If calls become unbearable, you can demand they stop calling. A formal cease and desist letter should outline that they should only contact you to confirm receipt of the letter or to inform you of a specific action they will take, such as filing a lawsuit.
Related: Arcadia Recovery Bureau Debt Collection Harassment
Stopping Harassment and Seeking Relief
If you’re being harassed by Apelles LLC debt collectors, there are steps you can take to stop the harassment. Understanding your rights under the Fair Debt Collection Practices Act is essential. The FDCPA prohibits debt collectors from engaging in abusive, harassing, or deceptive practices, including making excessive phone calls, using threatening language, or making false statements.
To stop harassment from Apelles LLC, you can:
Send a Cease and Desist Letter Write a letter to Apelles LLC demanding that they stop contacting you. Keep a record of the letter and any subsequent communication. Send via certified mail with return receipt requested.
File a Complaint File a complaint with the Consumer Financial Protection Bureau (CFPB). The CFPB enforces the FDCPA and can help you resolve your complaint.
Seek Legal Help Contact The Wood Law Firm at +1 844-638-1122 for expert advice and representation. We specialize in protecting consumers from unlawful debt collection practices.
Filing a Complaint Against Apelles LLC
If you’ve experienced Apelles LLC debt collection harassment, consider filing a complaint with the appropriate authorities:
Contact the Consumer Financial Protection Bureau (CFPB) The CFPB oversees complaints related to debt collection practices. Submitting a complaint can pressure Apelles LLC to change its behavior and may result in regulatory action.
Contact Your State Attorney General Your state’s attorney general can take action against debt collectors who violate state laws or federal regulations.
Consult The Wood Law Firm If you need legal assistance, The Wood Law Firm can guide you through the process of taking legal action against Apelles LLC. Contact us at +1 844-638-1122 for expert advice and representation.
Consider Legal Action If Apelles LLC violates your consumer rights under the FDCPA, you can consider taking them to court. This legal process allows you to sue for statutory and actual damages up to $1,000 plus attorney fees.
Related: Wellington Capital Partners LLC Debt Collection Harassment
Common Apelles LLC Complaints
Many consumers have reported troubling experiences with Apelles LLC. The most common complaints include:
Frequent and Aggressive Calls Consumers receive multiple calls daily, often at inconvenient hours (before 8 a.m. or after 9 p.m.). This pattern suggests a deliberate attempt to pressure individuals into paying.
False Threats of Legal Action Some consumers report that Apelles LLC collectors threaten to sue or garnish wages without any intention or legal authorization. Such deceptive tactics are clear violations of the FDCPA.
Sharing Debt Information with Third Parties Another recurring issue is disclosing debt information to friends or family. This practice embarrasses the debtor and violates privacy rights under the FDCPA.
Harsh and Abusive Language Numerous individuals have shared stories of being spoken to rudely or being subjected to verbal abuse during calls, which violates federal law.
Settlement Pressure Tactics Some consumers report being pressured to settle for less than the full amount owed without proper documentation or explanation of their rights.
The Consequences of Violating the FDCPA
When Apelles LLC or any debt collector violates the FDCPA, they face serious consequences. Understanding the statute of limitations is crucial – this legal deadline for creditors to sue over unpaid debts typically ranges from three to six years, depending on the state and type of debt.
A lawsuit filed by a consumer can result in fines and legal penalties for the debt collection agency. Moreover, winning such a lawsuit means the agency may be required to pay the consumer up to $1,000 in statutory damages, cover attorney fees, and any additional costs incurred due to their actions.
Related: Financial Recovery Services Debt Harassment
Apelles LLC Debt Collector Tactics
Apelles LLC debt collectors may use various tactics to collect debts. Alleged tactics include:
- Making excessive phone calls repeatedly, even after being asked to stop
- Using threatening or aggressive language to intimidate you into making payment
- Making false statements about the debt amount or consequences of not paying
- Sending misleading letters designed to confuse or mislead you about your rights
- Threatening legal action without proper authorization or intent to follow through
Be aware of these tactics and know your rights under the FDCPA. If you believe Apelles LLC is engaging in unfair or deceptive practices, you can file a complaint with the CFPB or seek help from a consumer protection attorney.
When to Consult a Lawyer
While it’s possible to deal with Apelles LLC debt collectors on your own, certain situations warrant consulting a lawyer. If you’re unsure how to respond or believe they’re violating your rights under the FDCPA, seek advice from a consumer protection attorney.
Situations where you should consult a lawyer include:
If Apelles LLC Is Suing You If you’ve been served with a lawsuit, seek legal advice immediately. You typically have 20-30 days to respond to a lawsuit, and failing to respond can result in a default judgment.
If You’re Being Harassed If Apelles LLC is engaging in abusive or harassing behavior, a lawyer can help you stop the harassment and seek relief, including statutory damages.
If You’re Unsure of Your Rights If you’re unsure of your rights under the FDCPA or how to respond to collection attempts, a lawyer can provide guidance and support.
Consulting a lawyer provides the expertise and confidence needed to handle complex situations effectively.
Dealing with Debt Collection Lawsuits from Apelles LLC
If Apelles LLC is suing you, take the lawsuit seriously and seek legal advice immediately. A debt collection lawsuit can result in a judgment against you, which can lead to wage garnishment, bank levies, and other negative consequences.
To deal with a debt collection lawsuit:
Respond to the Lawsuit You’ll need to respond by filing an answer with the court within the deadline specified in the summons, typically 20-30 days. A lawyer can help you draft an answer and ensure you’re responding correctly.
Negotiate a Settlement You may be able to negotiate a settlement with Apelles LLC before trial. A lawyer can help you negotiate terms that are in your best interests and get the agreement in writing.
Go to Trial If you’re unable to negotiate a settlement, you may need to go to trial. A lawyer can represent you in court and help you defend against the lawsuit.
Dealing with a debt collection lawsuit is complex and time-consuming. Seek legal advice as soon as possible to ensure you’re protecting your rights and interests.
Protecting Yourself from Apelles LLC Harassment
Here are proactive ways to safeguard yourself from debt collection harassment:
Know Your Debt
Ensure you understand what debt, if any, you owe. If Apelles LLC contacts you, request a debt validation letter to confirm the legitimacy of the debt within 30 days of first contact.
Don’t Be Intimidated
Debt collectors often use intimidation tactics, such as raising their voices or issuing fake deadlines. Stay calm and know you can seek legal help if necessary.
Reach Out for Support
Involving professionals is often the best step when dealing with complex or repeated harassment. The Wood Law Firm specializes in cases like these and can provide you with the necessary legal expertise. Call us at +1 844-638-1122 for support.
Related: Javitch Block LLC Debt Collection Harassment
Responding to Apelles LLC Threats
If Apelles LLC makes threatening remarks or implies they will take actions like suing or garnishing your wages, don’t panic. Knowing how to respond when Apelles contacts you is crucial. Unless they provide written notice of their intent, most of these claims are scare tactics. Here’s how to handle such threats:
Demand Written Proof: Insist that they send written confirmation of any legal action they claim to take. Verbal threats alone have no legal weight.
Verify Their Claims. Confirm with local courts whether the collector has actually filed a lawsuit. Court records are public and can be checked online or by phone.
Speak to an Attorney Consulting an attorney, especially one from The Wood Law Firm, can help you understand your options and take effective action. Call +1 844-638-1122 today.
About The Wood Law Firm
At The Wood Law Firm, our mission is to protect consumers from predatory practices and ensure they receive the fair treatment they deserve. We specialize in cases involving the Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), and Telephone Consumer Protection Act (TCPA). Since 2010, we have fought to hold companies accountable and secure justice for our clients.
Choosing The Wood Law Firm means partnering with a team deeply committed to your cause. We understand the stress and frustration that comes with facing unfair consumer practices, and we stand by your side every step of the way. Our personalized approach, combined with our extensive experience and national reach, makes us uniquely equipped to handle your consumer protection needs.
The Wood Law Firm has cultivated strong Of Counsel relationships with attorneys licensed in Arizona, California, Florida, Louisiana, Minnesota, Missouri, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Washington, and West Virginia.
About Attorney Jeff Wood
Attorney Jeff Wood is an accomplished attorney based in Arkansas, where he is fully licensed to practice law. With over 18 years of experience, Mr. Wood specializes in consumer protection, focusing on cases involving the Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), and Telephone Consumer Protection Act (TCPA). His extensive experience and dedication to consumer rights make him a trusted advocate for those facing debt collection harassment.
Client Success Stories
Excessive Call Harassment Case
David from Ohio received 15-20 calls daily from Apelles LLC despite requesting they stop. After documenting the harassment pattern over three weeks, The Wood Law Firm filed an FDCPA lawsuit. Apelles LLC settled for $2,700, which included statutory damages and an agreement to cease all contact.
Third-Party Disclosure Violation
Karen in Texas discovered Apelles LLC contacted her employer and disclosed details about her debt to coworkers. We documented these third-party contacts and pursued legal action. The case settled for $2,900, and Apelles LLC was prohibited from further third-party contacts.
Failure to Validate Debt
Michael from California requested debt validation from Apelles LLC but received no response. Collection calls continued despite the lack of validation. The Wood Law Firm represented Michael in an FDCPA claim, resulting in a $3,100 settlement, complete debt dismissal, and removal of the collection from his credit report.
Frequently Asked Questions
What is Apelles LLC, and is it legitimate?
Apelles LLC is a licensed third-party debt collection agency based in Columbus, Ohio. They’ve been in business for over 15 years and are legitimate, though they have received consumer complaints for aggressive tactics.
Can Apelles LLC legally call me multiple times a day?
Repeated daily calls can be considered harassment under the Fair Debt Collection Practices Act (FDCPA). Courts have found 7-10 calls per day potentially excessive and may violate federal law.
What rights do I have under the FDCPA when dealing with Apelles LLC?
You can dispute debts, request written verification within 30 days, stop collection calls by sending a cease-and-desist letter, and sue for damages if they violate the FDCPA.
Can Apelles LLC garnish my wages?
Apelles LLC cannot garnish wages without a court judgment. Wage garnishment requires legal authorization through proper court procedures.
Can Apelles LLC sue me for unpaid debt?
Apelles LLC may sue if the debt is within your state’s statute of limitations, typically 3-6 years. You should respond to any lawsuit immediately within the deadline specified in the summons.
Can Apelles LLC report debt to the credit bureaus?
Apelles LLC can report valid debts to credit bureaus. However, if you dispute the debt, it must be marked as “disputed” on your credit report until resolved.
How do I know if the debt Apelles LLC is collecting is valid?
You can request a debt validation letter within 30 days of their first contact. Without providing validation, they cannot legally continue collection efforts.
What should I do if Apelles LLC threatens arrest or legal action?
Threats of arrest for debt are illegal under the FDCPA. Document the threats with dates, times, and details, then seek legal advice immediately.
Can I negotiate a settlement with Apelles LLC?
Many collectors accept less than the full balance. Always get settlement terms in writing before making any payments, and ensure the agreement specifies how the debt will be reported to credit bureaus.
How can I report Apelles LLC for harassment?
You can file complaints with the Consumer Financial Protection Bureau (CFPB), the FTC, or your state attorney general. You can also contact The Wood Law Firm at +1 844-638-1122 for legal representation.
Related: Action Collection Agency Debt Harassment
Take Action Against Apelles LLC Harassment
You don’t have to endure Apelles LLC debt collection harassment in silence. Understanding your rights under the FDCPA is crucial. If debt collectors cross the line, you can take action. Documenting calls, knowing your rights, and contacting professionals like The Wood Law Firm will protect you and ensure the harassment stops.
Contact us now at +1 844-638-1122 for guidance and support. We protect your rights and defend you when necessary.
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