Apex Asset Management, LLC is a Lancaster, Pennsylvania collection agency that has focused on medical debt for nearly three decades. It works accounts referred by hospitals and health systems, including names like Main Line Health, Virtua Health, and AtlantiCare, and it reports those balances to the credit bureaus. Because Apex collects debts owed to providers rather than treating patients itself, the Fair Debt Collection Practices Act governs how it may contact you, and its record shows why that protection matters.
Consumer Rights Law Firm PLLC has spent since 2010 untangling exactly this kind of medical-billing mess and holding collectors to account, and the firm carries an A+ rating with the Better Business Bureau. Reach us at (877) 700-5790 or open a free case review. There is no cost to you, because a collector that violated the law is the party responsible for our fees.
Quick Facts About Apex Asset Management, LLC
| Detail | Information |
|---|---|
| Full Legal Name | Apex Asset Management, LLC |
| Common Abbreviation | AAM |
| Business Type | Third-party collection agency (medical and healthcare debt) |
| Address | 2501 Oregon Pike, Ste 102, Lancaster, PA 17601-4890 |
| Mailing Address | PO Box 5407, Lancaster, PA 17606-5407 |
| Main Phone | (888) 592-2144 |
| Additional Phones | (717) 519-1780, (717) 519-1770 |
| Website | apexasset.com |
| President | John S. Kline |
| Business Started | July 1997 |
| Years in Business | 29 |
| BBB Accreditation | Not BBB Accredited |
| BBB Rating | D- |
| BBB Rating Reason | Failure to respond to complaints filed against the business |
| BBB Complaints (3 years) | 18 |
Source: BBB Business Profile for Apex Asset Management, LLC
Why Is Apex Asset Management Calling You?
Apex collects medical balances that hospitals and physician groups turned over after their own billing efforts stalled. If you had a procedure, a lab, or an annual exam and a balance was left showing as unpaid, that account may have been placed with Apex to recover, often while insurance, financial assistance, or a billing correction is still in motion. That timing is the root of most disputes, because the collection call arrives before the underlying paperwork catches up.
When clients come to us about Apex Asset Management, the balance is frequently one that should not exist at all: a claim the insurer already paid, a charge forgiven under a hospital’s charity-care policy, or a bill applied to the wrong person. One thing consumers often misunderstand is that a collector cannot lean on you simply because a hospital’s system still shows a balance, and the burden is on Apex to prove the debt, not on you to disprove it.
The Bank-Account and Benefits Problem You Should Know About
One pattern in Apex’s record deserves its own warning. A consumer told the BBB that they had agreed to help an elderly parent with dementia by paying just $35 a month toward a Main Line Health balance, but that when they updated the payment method, “Apex Asset Management LLC snatched my entire SSDI monthly payment of $1001.74.” Taking far more than a consumer authorized from a bank account can violate the Electronic Fund Transfer Act, and Social Security Disability funds carry additional federal protection against seizure.
We frequently see this kind of overreach when a collector automates withdrawals. Our attorneys evaluate exactly what you agreed to, what was actually taken, and whether protected benefits were involved, because an unauthorized withdrawal from a checking account is a claim of its own, separate from any dispute over the debt.
Are the Calls From Apex Asset Management Legal?
Apex may lawfully contact you about a genuine medical debt, but the FDCPA fixes firm limits on how. The conduct that turns collection into a violation includes:
- Placing an account in collections and reporting it before sending the required validation notice.
- Calling repeatedly, or calling and hanging up, to pressure or annoy you.
- Continuing to pursue a debt after insurance paid it or the provider forgave it.
- Misstating what an insurer or provider actually said about the balance.
- Exposing your account number or private information where others can see it.
- Continuing contact after a written cease-and-desist, or refusing to validate a disputed debt.
In our practice, several of these appear directly in Apex’s complaint record. One consumer, a disabled charity-care patient, wrote that Apex “unlawfully placed my account in collections” without mailing “the required 30 day debt collection notice,” and added, “They call my phone & hang up on my voicemail.” Both the missing notice and the hang-up calls are the kind of conduct the FDCPA was written to stop.
What the BBB Complaints Reveal, in Consumers’ Own Words
Apex Asset Management is not BBB Accredited and carries a D- rating, driven by its failure to respond to complaints, with 18 complaints logged over three years. The specifics, in consumers’ own words, paint a consistent picture of medical debts that were paid, forgiven, or misbilled. These are verified from the live BBB page.
Source: BBB Complaints page for Apex Asset Management, LLC
Complaint 1: A forgiven debt the agency kept chasing (September 18, 2024): A consumer explained that Main Line Health had granted financial assistance on July 9, 2024, forgiving all balances and issuing refunds, and had told Apex the same day, yet “Apex Asset Management continues to call me requesting an outstanding account balance.” The agency later confirmed no balance was due and closed the file, but only after the calls had already gone out.
Complaint 2: A disputed bill and an alleged misrepresentation (May 29, 2025): A consumer disputing a misbilled Virtua Health procedure described a three-way call in which an Aetna representative confirmed the billing was wrong, then wrote that days later an Apex representative claimed “Aetna confirmed I owed the full amount” in a call that Aetna later said “never happened.” The consumer added that the ordeal caused them to miss “four migraine treatments out of fear and confusion over this dispute.”
Complaint 3: A paid balance still on the credit report (June 3, 2025): A consumer who paid a $264 balance in full wrote that they never received a receipt after two calls and that the account was “still showing negatively on my credit reports.” Apex responded that it had marked the account for deletion from all three credit repositories, again after the harm to the consumer’s credit had already begun.
Consumer Reviews and the Wider Public Footprint
On the BBB, the lone customer review captures the medical-privacy dimension. A reviewer named Lynnette C wrote, “This company violated my HIPAA privacy by putting my medical bills on Credit Karma and then was told by the hospital to remove it because I did not owe. It was a mistake from the hospital and the hospital was paid!”
Source: BBB Customer Reviews for Apex Asset Management, LLC
Federal Lawsuits Against Apex Asset Management
Apex has been named in federal court over its collection practices, including a case that turned on a small but revealing detail. These are verified from public court records, and full filings require a PACER account.
Caprio v. Apex Asset Management, LLC: Filed in the U.S. District Court for the District of New Jersey under case number 1:13-cv-05238-NLH-KMW, this FDCPA action challenged the disclosures in Apex’s collection letters and was resolved through a court-approved class settlement. Cases like this turn on the precise wording a collector uses, because a letter that could confuse the least sophisticated consumer about their rights can violate the statute.
Estate of Clements v. Apex Asset Management, LLC: Filed in the U.S. District Court for the District of New Jersey under case number 1:18-cv-10843-JBS-AMD, this FDCPA action alleged that Apex exposed a consumer’s account number through the clear window of a collection envelope. Under 15 U.S.C. §1692f(8), a visible account number can itself support a privacy claim, and that single detail can be enough to open a federal case.
A settlement or filing is not an admission of wrongdoing, and each FDCPA claim is decided on its own facts. In many of the cases we review, though, a collector with documented letter and privacy problems is one whose communications deserve a careful line-by-line look.
Your Full Legal Rights When Apex Asset Management Calls
- FDCPA (Fair Debt Collection Practices Act): Your central protection against Apex as a third-party collector. It requires validation of a disputed debt, bans harassment and false statements about what an insurer said, prohibits exposing your account number, and requires the agency to stop after a written cease-and-desist. Damages reach $1,000 plus actual losses and attorney fees. See our FDCPA page.
- FCRA (Fair Credit Reporting Act): Protects you from inaccurate reporting of a paid, forgiven, or misbilled medical debt, with a 30-day investigation duty. See our dispute a credit report guide.
- EFTA (Electronic Fund Transfer Act): Protects your bank account when a collector withdraws more than you authorized, as one consumer reported when a full SSDI payment was taken instead of an agreed $35.
- Medical debt reporting rules: Paid or ineligible medical collections may not belong on your report at all. See our medical bills page.
FDCPA Violation Comparison for Apex Asset Management
| Violation | Real-World Example | Statute | Remedy |
|---|---|---|---|
| Collecting and reporting before validation | Placing a disputed account in collections without the 30-day notice | FDCPA §809 (15 U.S.C. §1692g) | Actual and statutory damages; attorney fees |
| Exposing an account number | A number visible through the envelope window, as alleged in Clements | FDCPA §807(8) (15 U.S.C. §1692f(8)) | Up to $1,000 per violation |
| False statements about the debt | Claiming an insurer confirmed a balance it did not | FDCPA §807 | Up to $1,000 per violation |
| Harassing or hang-up calls | Repeated calls and voicemails to pressure you | FDCPA §806; Reg. F, 12 C.F.R. §1006.14 | Presumption of harassment; up to $1,000 |
| Pursuing a paid or forgiven debt | Continuing to call after insurance or charity care resolved it | FDCPA §807; FCRA §623 | Up to $1,000; credit correction; damages |
| Unauthorized bank withdrawal | Taking a full SSDI payment instead of an agreed amount | Electronic Fund Transfer Act | Actual damages; statutory recovery |
| Deceptive letter disclosures | Notices that misstate consumer rights, as in Caprio | FDCPA §807; §809 | Statutory damages; class relief |
Can You Sue Apex Asset Management?
Yes, and its record shows these claims have teeth. If Apex reported a debt before validating it, kept calling after insurance or charity care resolved the balance, misstated what your insurer said, exposed your account number, or withdrew more than you authorized, you can sue, recover damages, and require the agency to pay your legal fees. The FDCPA provides up to $1,000 in statutory damages plus any actual harm, inaccurate reporting can add an FCRA claim, and an unauthorized withdrawal can support an EFTA claim.
The size of the bill does not decide your case. One premature credit report, one exposed account number, or one unauthorized draft from your account can be enough. Because the FDCPA shifts fees to the collector that loses, we pursue these matters at no upfront cost to you.
What To Do Next: Steps to Stop Apex Asset Management
Step 1: Gather your billing proof. Collect your explanation of benefits, payment confirmations, and any charity-care or financial-assistance approval, and log every call with the date, time, and what was said.
Step 2: Demand written validation. Send a debt validation letter by certified mail requiring the original provider, the amount, and proof of Apex’s right to collect. Do not authorize any bank withdrawal while the debt is unverified.
Step 3: Loop in your insurer and provider. Confirm in writing whether the claim was paid, forgiven, or misbilled, and ask the provider to notify Apex directly, since its own responses show it will close accounts once the client confirms no balance is due.
Step 4: Dispute the credit reporting and stop the contact. Challenge any premature or inaccurate entry with the bureaus, and if the calls continue send a cease-and-desist letter by certified mail.
Step 5: Report the conduct and call an attorney. File with the FTC at reportfraud.ftc.gov, the CFPB, and the Pennsylvania Attorney General, then contact Consumer Rights Law Firm PLLC at (877) 700-5790 for a free case review. If the law was broken, fee-shifting means you pay nothing.
Consumer Rights Law Firm PLLC
Consumer Rights Law Firm PLLC helps consumers challenge wrongful medical collections, reverse premature credit damage, and recover from unauthorized withdrawals. You should not be hounded for a hospital bill your insurer already paid or your provider already forgave. Our office has stood with consumers since 2010 and holds an A+ rating with the Better Business Bureau.
To learn where you stand, call (877) 700-5790 or visit our website.
Success Stories
- A hospital bill my insurance had already paid still landed in collections and on my credit, and the calls would not stop. Consumer Rights Law Firm PLLC gathered the proof, forced a correction, and ended the contact, with compensation for me. I owed them nothing.
- A collector pulled far more from my account than I ever agreed to, and it wrecked my month. The attorneys treated the unauthorized withdrawal as its own violation, pursued it, and made things right. They knew exactly which law applied.
- My charity-care forgiveness was ignored and I kept getting calls over a debt that no longer existed. Consumer Rights Law Firm PLLC set the record straight, stopped the calls, and treated my situation with real care. Steady and effective throughout.
