About Apex Credit Services, LLC Expertise Our expertise encompasses the legal frameworks under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act amendments to the FCRA, and the FCRA. We are also well versed in Tennessee and West Virginia consumer law as well as Texas consumer law.
DISCLAIMER: NO PART OF ANY COMMUNICATION FROM APEX CREDIT SERVICES, LLC IS TO BE CONSTRUED AS LEGAL ADVICE. APEX CREDIT SERVICES, LLC IS NOT A LAW FIRM. SHOULD YOU SEEK LEGAL ADVICE, CONSULT A LICENSED ATTORNEY IN YOUR JURISDICTION.
Experience Our staff is comprised of CCPA experts. Apex Credit Services, LLC, which is a registered, licensed, and bonded credit services organization and certified by the Consumer Data Industry Association.
Question My bill was never sent to the correct address. I just got a summons the other day. The original creditor has a completely different address. Once I found out, I paid the original creditor in full. However, the collection agency demands interest and court costs. Can I fight this extra cost?
Answer Jay:
That would depend on whether they actually obtained a judgment. If so and fees and costs were awarded then, yes, you would be liable for it. It sounds as though no judgment has yet been rendered. Respond to the complaint and plead accord and satisfaction as an affirmative defense insofar as the account has been paid.
