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 I signed a contract with bally's total fitness, i was allowed 5 days to sign a paper changing or cancelling the contract. 2 days later, I signed the paper changing the contract. They "lost the paper" 6 months later, never filed it. I stopped paying on the grounds that they breached the contract, after fighting with them for 6 months. They sold my account to a collection agency, it is ruining my credit and they are calling all the time, what are my rights?
Answer Amanda:
Your first move should be to dispute it with the credit reporting agencies. Do so in writing. If it's verified, then consult with an attorney.
Your second step should be to request validation with the debt collector.
If you're in Tennessee and the account is verified, we at Barnette Law Offices, LLC, may be able to assist insofar as we prosecute consumer protection cases.
Jason Barnette
Barnette Law Offices, LLC
1800 Hayes Street; Suite 122
Nashville, TN 37203
615-585-2245 http://www.barnettelawoffices.com
