Who is Apelles, LLC?
Apelles, LLC is a national debt collection agency based in Columbus, Ohio. Their business revolves around recovering unpaid debts on behalf of various companies.
If you see Apelles, LLC on your credit report, it generally indicates that you have an unpaid bill which has been transferred to them for collection.
Who does Apelles, LLC collect for?
Apelles, LLC serves a broad range of clients across several sectors. They provide debt collection services for financial institutions, retail service organizations, government entities, medical care providers, and business service providers.
Is Apelles, LLC legit or a scam?
Apelles, LLC is a legitimate debt collection agency. They are authorized to collect unpaid debts for their clients and operate under the guidelines of federal and state laws governing debt collection. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove Apelles, LLC from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your credit report, you can start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Apelles, LLC Contact Information
Address:
Apelles, LLC
3700 Corporate Drive Suite 240
Columbus, OH 43231
Phone number: (800) 825-4425 or (614) 899-7322
Should I contact or pay Apelles, LLC?
Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with Apelles, LLC is to work with a credit repair professional. They help remove millions of negative items every year from companies like Apelles, LLC on behalf of their clients.
Will Apelles, LLC sue me or garnish my wages?
Apelles, LLC has the capacity to sue a debtor for unpaid debts. If they win the lawsuit, they could potentially obtain a court order to garnish your wages.
However, initiating a lawsuit is often a last resort for many debt collection agencies. It typically happens when other attempts to collect the debt have been unsuccessful. The decision to sue can depend on various factors, such as the size of the debt and the likelihood of recouping the debt through a lawsuit.
Apelles, LLC Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Apelles, LLC
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for Apelles, LLC to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
- Apelles, LLC cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Apelles, LLC must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- Apelles, LLC cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Apelles From Your Credit Report Today!
Credit Saint offers assistance with disputing Apelles accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
