Apex Asset Management, LLC is a debt collection agency in Lancaster, Pennsylvania, with roots in health care collections going back to 1997. A letter from Apex most likely concerns a balance left over from a medical visit.
- Type
- Collection agency
- Also known as
- Apex Asset Management, LLC; APEX Asset Management, LLC
- Headquarters
- Lancaster, PA
- Collects
- medical bills
- Phone numbers it lists
- (888) 592-2144
- Website
- apexasset.com
56 debt collection complaints were sent to the Consumer Financial Protection Bureau about APEX Asset Management, LLC from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is Apex Asset Management?
Apex Asset Management, LLC is a debt collection agency at 2501 Oregon Pike, Suite 102, in Lancaster, Pennsylvania. Its website says it has been in the collections business since 1997. Its company history says it was formed in 1997 by John Kline and Jeff Holloway, both with credit and collection backgrounds, to meet a need in the health care community for third-party payer and patient collection services. In 2013 it launched its own insurance-eligibility checking system with direct connections to several major payers. The company lists affiliations with health care finance groups, including HFMA, AAHAM and the MGMA chapters in New Jersey and Pennsylvania. We did not find a CFPB enforcement action against Apex Asset Management.
Why Apex Asset Management May Be Contacting You
Apex's history and affiliations point to health care: hospitals, physician practices and other providers that hand over unpaid patient balances. Its services include checking for bankruptcies, deceased accounts and updated contact information, then working the account for recovery. Because it runs insurance-eligibility checks, Apex may also try to find coverage that was never billed.
Apex lists one phone number, (888) 592-2144. Its site also offers online bill payment and a way to dispute an account.
How to Check a Debt Apex Asset Management Says You Owe
With a medical collection, the most common errors are a claim that was never sent to insurance and charges that should have been adjusted off. Look for both.
- Get the validation notice and check the provider name, the service date and the itemized amount (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing within the validation period if something is off. Ask for the itemized bill and proof that the claim was submitted to your insurer.
- Give Apex your current insurance information if you were covered on the date of service, and ask that the claim be billed.
- Ask whether the provider still owns the account, and whether any interest or fees have been added.
- Mind the clock. In Texas, the usual limit to sue on a debt is four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Pennsylvania and other states set their own limits.
What Apex Asset Management Can and Can't Do
Apex is a "debt collector" under 15 U.S.C. § 1692a(6) when it collects patient balances owed to its clients.
- It may not put a medical collection on your credit report before it has communicated with you about the debt (12 C.F.R. § 1006.30(a)).
- For a bill from a licensed Texas health care facility, an itemized bill must come first; see Texas SB 490.
- It may not call repeatedly to annoy or harass, and Regulation F caps calls at seven in seven days per debt (15 U.S.C. § 1692d(5); 12 C.F.R. § 1006.14(b)(2)).
- It may not use a postcard or an envelope that reveals it is a debt collector (15 U.S.C. § 1692f(7)–(8)).
If Apex's collection seemed improper, see our Texas FDCPA attorneys page.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Apex Asset Management or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- Apex Asset Management: home page
- Apex Asset Management: Company
- Apex Asset Management: Contact
- CFPB enforcement actions search: Apex
- CFPB Consumer Complaint Database: APEX Asset Management, LLC, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Apex Asset Management has violated any law. Company details change; tell us if something here is out of date.