You do not have to tolerate harassment from Apex Asset Management or any debt collection agency. Frequent phone calls, inconvenient calling times, or aggressive communication may violate federal law. Debt collectors cannot legally threaten actions they are not allowed to take or do not intend to pursue. You are also entitled to receive a written debt validation notice within five days... https://protectionforconsumers.com/stop-apex-asset-management-debt-collection-harassment/