Apelles LLC is a debt collection agency in the U.S. When you receive a collection notice from Apelles LLC, send a written dispute letter via certified mail within 30 days to stop their collection efforts until they prove the debt is valid and they have the right to collect it.
Getting a collection notice in the mail can feel scary. When that notice comes from Apelles LLC, you need to know what you're dealing with. This guide will help you understand who they are, what they do, and most importantly, how to protect yourself.
What You Need to Know About Apelles LLC
Apelles, LLC is a nationwide provider of debt collection services and specialized customer lifecycle management programs. They started business in 2003 and have been operating for over 16 years. This makes them an established player in the debt collection industry.
The company works as a third-party debt collector. This means they don't own your original debt. Instead, other companies hire them to collect money that you owe. When your debt gets transferred to Apelles LLC, the original creditor's name often disappears from your credit report. This can make things confusing for you.
Apelles, LLC is a legitimate debt collection agency. However, being legitimate doesn't mean they always follow the rules perfectly. Many consumers have filed complaints against them for various reasons.
But here's what many people don't know about how third-party collectors really operate...
Where Apelles LLC Is Located and How to Contact Them
Address: 3700 Corporate Dr #240, Columbus, OH 43231 Phone Number: (614) 899-7322 The company operates from Columbus, Ohio, but they collect debts nationwide. They have been in business locally since 2003 and operate as a Limited Liability Company (LLC).
When you search for "Apelles LLC phone number," this is the main number you'll find. However, you should be careful about calling them directly without understanding your rights first. There are specific rules about what they can and cannot do during phone conversations.
Most people make a critical mistake when they first get contacted by Apelles LLC...
Who Does Apelles LLC Collect For
Apelles LLC doesn't reveal all the details about which companies they work with. However, based on consumer complaints and reports, they collect for various types of businesses. U.S. Bank is one company that has been mentioned in connection with Apelles LLC collections.
The company offers several services including debt collection and customer lifecycle management programs. They work with businesses across different industries, but they don't publicly list all their clients. This is common practice in the debt collection industry.
When you receive a notice from Apelles LLC, they should tell you who the original creditor was. If they don't provide this information, you have the right to request it. This information is crucial for verifying whether the debt is actually yours.
What they don't tell you about original creditors could change everything about your case...
Understanding Collection Notices from Apelles LLC
When Apelles LLC sends you a collection notice, it's not just a simple letter. It's a legal document that triggers certain rights and responsibilities for both you and them. Understanding what this notice means is the first step in protecting yourself.
What the Notice Should Include
A proper collection notice from Apelles LLC must include specific information. They must tell you how much money they claim you owe. They must identify the original creditor. They must explain that you have 30 days to dispute the debt if you think it's wrong.
This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. This language or something similar should appear on every communication from Apelles LLC.
The notice should also include information about your rights under the Fair Debt Collection Practices Act (FDCPA). If any of this required information is missing, it could be a violation of federal law.
But there's a hidden deadline in every collection notice that most people miss...
Your Rights When You Receive the Notice
You have important rights when you receive a collection notice from Apelles LLC. The most important right is your ability to dispute the debt within 30 days. If you send a written dispute within this time frame, they must stop trying to collect until they verify the debt.
You also have the right to request information about the original creditor. You can ask for proof that you actually owe the money. You can request to see the original contract or agreement that created the debt.
Another important right is protection from harassment. Apelles LLC cannot call you at unreasonable hours. They cannot use abusive language. They cannot threaten you with actions they cannot or will not take.
However, many people unknowingly give up these rights by making one simple mistake...
Apelles LLC Reviews and Complaints
What Other Consumers Say
Understanding other people's experiences with Apelles LLC can help you prepare for what might happen. As of 2022, Apelles has received 15 complaints on its BBB profile in the most recent period. While this might not seem like a lot, remember that many people don't file formal complaints.
Common Issues in Apelles LLC Reviews
The Better Business Bureau and Consumer Financial Protection Bureau keep records of complaints against Apelles LLC. These complaints reveal patterns in how the company operates. Some consumers report feeling frustrated by the company's collection tactics.
I am disputing a Debt collection letter i got from this company in the amount of 3186.. This has been an ongoing issue and i am the victim of identity theft. This complaint shows one of the serious problems that can occur. Sometimes Apelles LLC tries to collect debts that resulted from identity theft.
Other complaints involve issues with verification of debts. Some consumers say the company couldn't provide proper documentation proving they owed the money. Others report problems with the company's communication practices.
The pattern in these complaints reveals something crucial about how to deal with Apelles LLC...
What the Complaints Tell Us About Their Tactics
Consumer complaints provide insight into Apelles LLC's collection methods. Some consumers report receiving multiple phone calls in short periods. Others mention feeling pressured to make immediate payments.
At one point a collector allegedly stated to him that the alleged debt was "lawsuit friendly." This type of language can be seen as threatening legal action. If a debt collector threatens legal action they cannot or will not take, it could violate federal law.
Some complaints mention collectors leaving voicemails that don't identify the caller as a debt collector. This is another potential violation of the FDCPA, which requires debt collectors to identify themselves in communications.
But here's what these complaints don't tell you about fighting back...
Apelles LLC Lawsuit Information: When They Take Legal Action
Yes, Apelles, LLC can sue you so long as the debt is within the statute of limitations This is an important reality you need to understand. Apelles LLC does file lawsuits against consumers who owe debts.
Understanding When Apelles LLC Might Sue
Debt collectors like Apelles LLC typically sue when they believe the debt is large enough to justify the legal costs. They also consider whether they have strong documentation proving you owe the money. The age of the debt matters too, because of something called the statute of limitations.
The statute of limitations varies by state and by type of debt. Once this time period expires, Apelles LLC cannot successfully sue you for the debt. However, they might still try, which is why you need to know your rights.
We have found cases against them for violating the Fair Debt Collections Practices Act. This shows that sometimes Apelles LLC faces lawsuits themselves when they violate consumer protection laws.
What many people don't realize is that being sued doesn't automatically mean you'll lose...
How to Respond If Apelles LLC Sues You
If Apelles LLC files a lawsuit against you, you must respond within the time limit specified in the court documents. Ignoring the lawsuit will result in a default judgment against you. This means you'll automatically lose the case.
Your response to the lawsuit is called an "Answer." In this document, you respond to each claim they make against you. You can admit claims that are true, deny claims that are false, or state that you don't have enough information to admit or deny.
You can also raise affirmative defenses in your Answer. These are legal reasons why you shouldn't have to pay, even if you originally owed the money. Common defenses include the statute of limitations, lack of proper documentation, or violations of the FDCPA.
The key to winning against Apelles LLC in court lies in one specific strategy...
How to Dispute a Debt with Apelles LLC
Disputing a debt is often your best first step when dealing with Apelles LLC. Many people think disputing means claiming the debt isn't theirs. But disputing can also mean asking for proof that the debt is accurate and that Apelles LLC has the right to collect it.
The 30-Day Dispute Process
When you receive your first notice from Apelles LLC, you have 30 days to dispute the debt in writing. This is called your validation period. During this time, they must stop trying to collect until they provide you with verification.
Your dispute letter should be sent by certified mail with return receipt requested. This gives you proof that they received your dispute. In your letter, you should ask them to validate the debt and provide documentation proving you owe the money.
You can dispute the entire debt or just parts of it. For example, you might agree that you had an account with the original creditor but dispute the amount they claim you owe. You might also dispute whether Apelles LLC has the legal right to collect the debt.
Most people write weak dispute letters that debt collectors easily ignore...
What Information to Request
When you dispute a debt with Apelles LLC, you should ask for specific information. Request a copy of the original signed agreement that created the debt. Ask for a complete payment history showing all payments made and charges added to the account.
You should also ask them to prove they have the legal right to collect the debt. This might include documentation showing that the original creditor transferred or sold the debt to them. Without this proof, they might not have the right to collect from you.
Ask for verification of the amount they claim you owe. They should be able to show you how they calculated the total, including any interest, fees, or other charges. If they can't provide this information, the debt might not be valid.
The information they provide in response will reveal whether you have a strong case...
Can Apelles Solve My Debt Problems?
Some people wonder if working with Apelles LLC directly can help solve their debt problems. While they are a debt collector, they might be willing to negotiate payment arrangements or settlements in some cases.
Payment Options Apelles LLC Might Offer
Apelles does not offer a translation of any written communication into languages other than English and Spanish, but they do have a payment system for consumers who want to pay their debts. They might offer payment plans that let you pay the debt over time instead of all at once.
Sometimes Apelles LLC will accept a settlement for less than the full amount they claim you owe. This typically happens when they believe the alternative is not getting paid at all. However, you should be careful about settlement agreements because they might have tax implications.
Before agreeing to any payment arrangement with Apelles LLC, you should make sure the debt is actually valid. Paying a debt that you don't legally owe won't help your situation and might actually hurt your credit score in some cases.
There's a critical mistake that people make when negotiating with debt collectors...
Risks of Working Directly with Apelles LLC
Working directly with Apelles LLC has some risks you should understand. Anything you say to them can be used to collect the debt. If you admit that you owe the money, it becomes much harder to dispute the debt later.
They might pressure you to make immediate payments or agree to payment plans you can't afford. Debt collectors are trained to get as much money as possible, as quickly as possible. Their interests are not necessarily aligned with what's best for your financial situation.
Paying it off could hurt your score. This is counterintuitive, but it's true in some situations. Paying an old debt can sometimes restart the clock on how long it appears on your credit report.
The decision about whether to work with Apelles LLC depends on factors most people never consider...
Protecting Yourself from Apelles LLC Violations
misrepresented the character and legal status of the debt · false and highly misleading methods of collecting a debt These are examples of violations that Apelles LLC has been accused of in the past. Knowing what to watch for can help you protect yourself.
Common FDCPA Violations by Debt Collectors
The Fair Debt Collection Practices Act sets rules for how debt collectors like Apelles LLC must behave. They cannot call you before 8 AM or after 9 PM. They cannot call you at work if you tell them your employer doesn't allow such calls.
They cannot use abusive, profane, or threatening language. They cannot threaten legal action they don't intend to take. They cannot misrepresent the amount you owe or the consequences of not paying.
On or about July 6, 2012, one Apelles, LLC collector allegedly contacted Mr. Shimonov by leaving a voicemail that did not identify the caller as a debt collector. This is another type of violation. Debt collectors must identify themselves as debt collectors in their communications.
If Apelles LLC violates these rules, you might be entitled to money damages...
What to Do If Apelles LLC Violates Your Rights
If you believe Apelles LLC has violated your rights under the FDCPA, you should document everything. Keep records of all phone calls, including dates, times, and what was said. Save all letters and emails they send you.
If you are being harassed by over a debt, you may be entitled to money damages – up to $1,000 for harassment, and $500 – $1,500 for illegal robocalls. These damages are in addition to any actual damages you suffered because of their violations.
You have one year from the date of the violation to file a lawsuit against Apelles LLC for FDCPA violations. Even if you owe the debt, you can still sue them for violating the law in how they tried to collect it.
Many people don't realize they can turn the tables on debt collectors...
Your Credit Report and Apelles LLC
Yes, Debt collectors are allowed to place the collection account on your credit report This means that having a debt with Apelles LLC can damage your credit score. Understanding how this works is important for protecting your financial future.
How Apelles LLC Affects Your Credit Score
When Apelles LLC reports your debt to the credit bureaus, it appears as a collection account. Collection accounts are considered very negative and can significantly lower your credit score. The impact is usually most severe when the collection account first appears on your report.
it's important to note that their reports to credit bureaus are not always accurate This is a crucial point. Just because something appears on your credit report doesn't mean it's correct. You have the right to dispute inaccurate information with the credit bureaus.
The collection account will typically remain on your credit report for seven years from the date of first delinquency. However, its impact on your credit score usually decreases over time, especially if you maintain good credit habits in other areas.
But there's a way to potentially remove Apelles LLC from your credit report entirely...
Strategies for Removing Apelles LLC from Your Credit Report
However, we strongly recommend giving a Credit Repair company (like us), a call first. We'll review why Apelles is on your report and see how we might be able to dispute (and potentially remove) them. This suggests that professional credit repair might be an option for some consumers.
You can also dispute the collection account directly with the credit bureaus yourself. If Apelles LLC cannot verify the debt or if there are inaccuracies in how they're reporting it, the credit bureaus must remove it from your report.
Another strategy is negotiating a "pay for delete" agreement with Apelles LLC. In this arrangement, you agree to pay the debt and they agree to remove it from your credit report. However, not all debt collectors will agree to this type of arrangement.
The most effective approach depends on your specific situation and something most people overlook...
When to Seek Professional Help
Dealing with Apelles LLC can be complicated, especially if you're not familiar with debt collection laws. Sometimes the best strategy is to get help from professionals who understand the system.
Types of Professional Help Available
Consumer attorneys specialize in debt collection issues and can help you understand your rights. Under state and federal laws, we will help you based on a fee-shift provision and/or contingency fee, which means the debt-collector pays your attorneys' fees and costs. This means you might not have to pay attorney fees if the debt collector violated your rights.
Credit repair companies can help you dispute inaccurate information on your credit report. They have experience dealing with credit bureaus and debt collectors. However, you should research any credit repair company carefully before hiring them.
Nonprofit credit counseling agencies can help you develop a plan for dealing with all your debts, not just the one with Apelles LLC. These organizations are usually free or low-cost and can provide valuable guidance.
The key is knowing which type of help is right for your situation...
Red Flags That You Need Professional Help
You should consider getting professional help if Apelles LLC has filed a lawsuit against you. Court procedures can be complicated, and making mistakes could result in a judgment against you. An attorney can help you respond properly and protect your rights.
If you believe Apelles LLC has violated your rights under the FDCPA, an attorney can help you understand whether you have a case. We have found cases against them for violating the Fair Debt Collections Practices Act. This suggests that violations do occur and can be successfully challenged.
You should also consider professional help if the debt is very large or if you're dealing with multiple debt collectors. The strategies for handling these situations can be complex and benefit from professional guidance.
But before you hire anyone, there's something important you need to know about choosing the right help...
Taking Action: Your Next Steps
Now that you understand who Apelles LLC is and how they operate, you need to decide what action to take. The right choice depends on your specific situation, but there are some general principles that apply to most cases.
Immediate Steps to Take
First, don't ignore communications from Apelles LLC. Even if you dispute the debt, you need to respond appropriately to protect your rights. If they've filed a lawsuit, responding is even more critical.
Gather all documentation related to the debt they're trying to collect. This includes any communications from Apelles LLC, records from the original creditor, and your own financial records. Having complete documentation will help you make informed decisions.
Consider disputing the debt within your 30-day validation period if you have any questions about whether you owe the money or whether the amount is correct. Remember to send your dispute by certified mail and keep copies of everything.
Long-term Strategy Considerations
Think about your overall financial situation, not just this one debt. If you're struggling with multiple debts, you might need a comprehensive debt management strategy rather than just dealing with Apelles LLC.
Consider the age of the debt and your state's statute of limitations. If the debt is very old, you might have legal defenses that make it uncollectible. However, be careful not to restart the statute of limitations by acknowledging the debt or making payments.
Evaluate whether the debt is affecting your credit report and what impact removing or resolving it might have on your credit score. Sometimes the best financial decision isn't immediately obvious.
Your decision today will determine whether Apelles LLC becomes a solved problem or an ongoing nightmare. The information in this guide gives you the foundation you need to make that choice wisely. Remember, you have rights, and Apelles LLC must follow the law when trying to collect from you. Use that knowledge to protect yourself and your financial future.