I was digging through some old papers and saw a letter that I saved from them in 2006. They started calling me repeatedly and asked me to verify my social security number. I refused to give it to them. They said I owed money to Citibank for some ridiculous amount. I don't even have a Citbank account. They asked that I wire 1800 to them immediately. I asked for their address so that I could "send payment" if I owed it. They refused to give me an address. When I told them I was not going to pay, a woman screamed at me over the phone and called me names. They are definitely a scam. I am not sure if they're still out there, but beware.

Thomas Landis, Attorney
aka/Account Portfolio Management
Larry Weil Owner, (Mary Weil on papers)
Four Greenwood Square, #220
3325 Street Road
Bensalem, PA 1020
Phone: 800-853-4000 or 215-642-3400
Fax: 215-642-3401

I wanted to make you aware of the background of the person who runs the Law Office/Collection Agency. Mr. Larry Weil is a convicted felon who was taken to court by the SEC for money laundering and who was ordered not to have any relationship with any financial company for ten years; this order expires in July 2010.  However, Mr. Weil has been operating collection agencies ever since he was released from federal prison; he has skirted the law by making his wife (Mary) the sole owner of the company.  Furthermore, the people he hires are to a large extent, drug dealers, drug users and have assorted criminal records.

He has had two companies in the last several years that he bankrupts once his liabilities become too great; they are VCollect Global and APM Financial Solutions(plans to bankrupt soon).  He also collects for Collect America(now called Square One)under the agency name LMM(still uses Thomas Landis's name to pretend it's a law office). I say pretend because if you were to interact with Mr. Landis you would be hard pressed to believe that he's actually a lawyer.  The Pennsylvania Attorney General after reading his responses had such a hard time believing it that they called him in for a hearing.  He is basically a shill that will do whatever Larry Weil tells him to do even when he knows it's illegal.

Recently, Mr. Weil was sued by a former employee for discrimination and the jury found the situation to be so egregious that they awarded the plaintiff $690,000.00. He is of course appealing the verdict, not because he believes it was wrong but rather to stall for time.  You see he has two more similar cases pending that he wants to have adjudicated before he declares APM Financial Solutions LLC bankrupt thereby getting out from under the requirement to pay.  Additionally, he has been investigated by the Attorney General of West Virginia, found guilty of collecting in that state without a license and fined $450,000.00.  He currently collects debt in Nevada where he is not licensed. He also continues to take money from accounts that belonged to Crescent Recovery after losing a lawsuit that required him to close all such accounts and pay Crescent Recovery $600,000.00.

In these days of realization of the terrible toll on our economy exacted by the purveyors of less than scrupulous financial activity, can we afford to let people like Larry Weil continue to skirt the law while amassing personal wealth(much of which he steals from his own company)at everyone else's expense?  I believe not!

They have closed their NJ office and moved to a new location in PA and combined the 2 offices , I used to work there and they are scum ! The managment is a joke mike is larrys puppet they steal from people by acting like they are going to sue them and take their property or garnish their pay , when they don't even sue ! They had a VP years ago that ran the place right but was a jerk but he was honest and kept things running right not like larry and his band of boobs fake wanna be gangsters and wanna be lawyers they cant and wont do jack sh$t to you dispute the bill in writing by cert mail and demand to see the orginal applications when they cant send it they have to close your file !

APM Companies
APM Financial Solutions
Account Portfolio Management LLC
3325 Street Rd Ste 220
Bensalem, PA 19020

PO Box 33797
Denver, CO 80233
800-853-4000
215-642-3400
Fax: 215-642-3401

You must mean the Fair Debt Collection Practices Act.

JWC

So, my solution is to turn the fax machine on when these calls come. And i dont have paper in it, so all they get is a send failure reply. win.

Called just a few minutes ago, has called many times - never leaves a message.  Caller ID says, 'APM Financial'.  I have no idea who these people are, so I do not answer such calls.  Also, if they are a zombie debt collector, as I have owed no new debts in over 11 years, I would not pick up anyway.  The statute of limitations in my state is 4 years for unsecured credit card debt - so any action against me is barred by SOL running out.  Just remember, they have to sue you - and they will not for a zombie debt, and they would lose anyway because of SOL running out - so don't admit to a debt, don't give them ANY info and demand that they stop calling you.  Then get their info and report them to your State's Attorney General, and if they say they are from an Attorney's office, file a complaint with your State Bar Association.

Hi APM Financial!! I am sooo hungover!! Totally forgot about my (alleged) debt you say i owe!! Went drinking with the fellas picked up some hotties and well, hahahaa! Broke again!!   Mabey i'll remember next week,but dont count on it ,whenever i get a pocket full of cash i just go out and blow it ALL!!! At least IM having a great time!!! Bye Bye!!!! HAHAHAHA!!

I have repeatedly recieved computerized phone calls, usually around 7:30 pm, from this recording about an attempt to collect a debt for "Ernesto Firttello" or "Ernesto Ferttello."
She also calls herself "KTFOX" @ APM Financial-debt collector.
I have called the 1-800-355-0123 and the 609-570-3039 and kindly ask if they would please remove our company from their data calling list, just to be told that they where not able to look us up from the number given, or else they would gladly remove us. So I say, "Well what about looking up the person you are calling for?" Wel, of course the reply is, "We need the number."
After going back and fourth with these people for over a month now I decided to try and take action. I have even tried talking to the office manager-Michael Gray.
I don't know what else to do, but try and report these people about this unexceptable behavior. I don't know a Ernesto Fi/ertello.Never have, so can they just STOP calling!

APMFINABCIAL 1-609-570-3039 calls every week looking for a Susan S. I just called back the number they said to call 1-800-355-0123 and some woman answered (DID NOT SAY HER NAME OR THE COMPANY NAME) I told her they needed to stop calling my home and to please take me of her listing, she then transferred me to a guy who was as rude as they come. He said who are you?  I said I will not give you my name but I will tell you who you all have been calling for, and to please take me of the list. He got so mad and was rambling on and on. I just hanged up the phone. (They don?t want to give their names but wants yours)

Caller ID identified them as APM Financial.  They are a fraudulent debt collector.

A lot of comments here.  When it comes down to it, don't talk to these people.  Even if there was an actual debt that you were dealing with.  These guys are junk debt collectors.  They dig stuff out of the garbage bin of uncollected debts and then try to scare and scam people into what ever they can get out of them.  DON"T deal with them.  Even if you had a debt, the company you had it with more then likely sold the debt.  You would not be paying your original creditor.  You would be putting money in the pockets of these scammers.  That's the way the industry works.  That's why they take old debts and then jack them through the roof.  I paid one of these guys one time and then the original company came back saying I still owed because they never got anything from the collector.  And I had no proof of payment.  When a credit card company sells a debt to a collector, they sell it at a fraction of the value; pennies on the dollar.  Then the collector tries to collect the whole amount and make a big profit.  With legit collectors you can usually get them to reduce the debt to thirty percent or so of the original amount if you agree to pay it off.  But only do it with a legit collector; not these junk ones.  And get written proof... documentation.  These guys here are still calling me from something years ago, and I'm still ignoring them.  Don't talk to them.  They will work to twist you into such an emotional knot that you can't think straight.  They use every low tactic in the book... especially fear, guilt and confusion.  Just leave it alone.

PHONE: 609-570-3039 or   800-355-0123
IS THIS A COLLECTION COMPANY MASKING AS A LAW OFFICE OR A LAW OFFICE WHO IS DOING COLLECTION WORK???  LAURENCE A HECKER  attorney??  or crook???  you decide.  Also one of the phone numbers seems to correspond to APM Financial Solutions, LLC  - a collection company.

Seems that when they get a WRONG phone number in their database,they don't care.  I've been called by this law office/collection company looking for some "relative" who we have no knowledge of.  We have asked to be removed from their calling base so the harrassment stops. They're too busy asking my personal info (which I gave none). They have my phone number and that's all they need to delete.  Same calls last year and the year before same request to get me out of their database and QUITE CALLING.  They're not very bright.

After doing some online research, it doesn't take long to see these scumbags apparently (from what I've been reading) have a history of not so ethical, dare I say illegal practices which leads to being SUED by the state of West Virginia Attorney General. AND>>>>  
Laurence A Hecker has been brought before the New Jersey Attorney Review Board on Ethics Charges which appears to result in SUSPENSION OF LAW LICENSE  for negligent misappropriation of trust funds among other findings.

Has this guy/company not learned anything.... I do not understand how the state of NEW JERSEY, could allow this type of continuous harrassment to affect innocent people across our nation from Laurence A. Hecker, Attorney at Law!  His apparent address is 2CSouth Gold Drive, Hamilton, NJ 08691
NOW HERE'S THE ETHICS CASE AGAINST HIM FROM NEW JERSEY

"Decided: March 7, 2001
Effective: April 2, 2001
Admitted: 1965
APPEARANCES BEFORE REVIEW BOARD
John McGill, III, Deputy Ethics Counsel, argued the cause on behalf of the Office of Attorney Ethics.
Laurence A. Hecker, respondent, argued the cause pro se.
The Supreme Court of New Jersey held that a suspension from the practice of law for a period of three months was the appropriate discipline for an attorney who engaged in gross neglect, lack of diligence, negligent misappropriation of trust funds, failure to safeguard client funds, record keeping violations and failure to supervise a non-lawyer assistant. The non-lawyer assistant had stolen monies from respondent previously. After his incarceration, the respondent rehired the assistant, who also had a history of addiction to drugs and alcohol. By his actions, respondent placed clients' funds at extreme risk and, in fact, the assistant, again, stole from an estate account for which the respondent was responsible. "
So if they call you, consider the source.

HERE's a report I found on ACTION BY STATE OF West Virginia

16 November 2010 Hecker and APM SUED BY STATE OF WEST VIRGINIA
A New Jersey lawyer and his Pennsylvania-based collection agencies will cancel nearly $8 million in alleged debt they tried to collect from more than 1,900 West Virginians.
Attorney General Darrell McGraw says Laurence Hecker and APM Companies will pay $45,000 in refunds and to support consumer education.APM is the parent of APM Financial Solutions and Account Portfolio Management LLC, neither of which has working telephone numbers.
McGraw said Tuesday the companies unfairly pressured people and threatened lawsuits.
He says most debts the companies were trying to collect were so old, they could not legally sue anyone.
McGraw says the companies were also working in West Virginia without being licensed or bonded as required by state law

Are they doing this in other states????????   Get the facts from your state to make sure they are licensed to do collections in your state if you are receiving calls from any of these so called companies who seem to be tied to same phone numbers.  IF not - file a complaint with your state Attorneys General office and also the New Jersey Attorneys General office.

Claim to be a Debt Collectorfor APN. Claim I have a debt with a client of theirs. I advise them to send Documentation and they refuse to. They then stated they do not have to provide anything, then tried to make me give info about me. They were calling my cell number and when they would call my home phone they would not leave a message or speak at all. I called them twice and on second try they did not hang up and passed me to a so-called collector who was rude and kept trying to verify info.

Today makes call number NINE from this company. They keep calling for someone that got kicked out of the house over a DECADE ago. WE called THEM to have our number removed, and they STILL Keep calling.
I am NOT passing along their threats because I am NOT responsible for their intended victim...errr.. I mean... debtor's troubles, be they real or imagined.
VERY Annoying.

APM Financial Solutions, LLC
2 S Gold Dr Ste 2C
Hamilton, NJ 08691

Laurence J. Weil, owner , a notorious debt collector who has filed for bankruptcy along with his company. He has a terrible reputation for FDCPA violations, shouled never be trusted or dealt with (if he is still around.)

APM Financial Solutions, LLC
Lawrence J. Weil
Mary Weil
2 C South Gold Drive
Trenton, NJ 08691

DE Corp.
Debtor
APM Financial Solutions, LLC
2 S Gold Dr Ste 2C
Hamilton, NJ 08691

Tax ID / EIN: 20-5392282
U.S. Bankruptcy Court
District of New Jersey (Trenton)
Bankruptcy Petition #: 10-27239-RTL
Debtor

APM Financial Solutions, LLC, Debtor
2 S. Gold Drive
Hamilton, NJ 08691

Tax ID / EIN: 20-5392282 represented by Michael J. Shavel
Spector Gadon & Rosen, P.C.
1000 Lenola Road
PO Box 1001
Moorestown, NJ 08057
(856) 914-4907
Email: mshavel@lawsgr.com

I am SO glad to see these posts, especially yours. The call I received was also concerning an old debt that I had settled in 2003 or 2004. She wanted me to fax her a copy of my documents showing proof of settlement and payment. I told her that it would probably take me at least a month, if not longer to locate these documents since they were stored away. She gave me her fax number anyway.  I informed her that this debt was too old to be collecting anyway, according to the laws of the state I live in. She told me that I was mistaken, and still owed this debt....then warned me about the call being recorded for quality purposes. I informed her that I didn't care if the call was being recorded or not and that I knew what I was talking about. I was actually being nice, just telling her like it was. She stumbled over her words when she mentioned something about my credit report and I advised her that I had just recently gotten a copy of my credit report due to the home improvement loan I had just gotten and this debt wasn't showing on the report. After seeing all of these posts concerning this phone number, I feel more relieved about not putting any more time into worrying about this supposedly debt that I owe.

I received a call from 609-570-3039, Caller ID showed name being APM Financial. I knew right away by the name it was gonna be one those natorious bill collectors, sure enough it was, but the call wasn't for me, it was for my mother, but they had my name somehow and my ex-husbands name whom I've been divorced from for over 11yrs. They lady's name was Elizabeth Armstrong, nevers said who she was with and what call was for just said have my mother call her at 18003550123, with a file number. Even though I told her several times my mother doesn't live with me, let alone not even in the same state. Big fraud and scam.

I recieved a call from 609-570-3039, Caller ID showed name being APM Financial. I knew right away by the name it was gonna be one those natorious bill collectors, sure enough it was, but the call wasn't for me, it was for my mother, but they had my name somehow and my ex-husbands name whom I've been divorced from for over 11yrs. They lady's name was Elizabeth Armstrong, nevers said who she was with and what call was for just said have my mother call her at 18003550123, with a file number. Even though I told her several times my mother doesn't live with me, let alone not even in the same state. Big fraud and scam.

Got  call on my cell i  do not owe a thing to the a$$ hole a thing and i blocked the # so call all you like

CALL every 2- 5 min.NON STOP!!

APM Financial Solutions, LLC
2C South Gold Drive
Hamilton, NJ 08691 - I hope this place is flooded by the NJ water works recently.
Phone:  609-570-3039
Fax: 609-570-3040
TOLL FREE for these TOOL FREAKS - 800-355-0123

A debt collection agency cannot threaten you to take you to court or sue you period. I've had two cases settled againt collection agencies who harasses you. Most recent against Weltman Weinberg & Reis who settled for continue harassment. Call Krohn & Moss Associates for help against these agencies who crosses the line. If you don't know your rights, they'll walk all over you. The greatest threat they have against you is they take away your peace of mind. Wondering and worrying will they call back when and will they take me to court. It's called intimidation or in other words Harassment!

These people call back-to back- to back everytime within minutes apart. I haven't answered their call but they just frequently call 3 or 4 x's in a row within a 2-3 minute span. I can already tell these agents are going to be trouble. If this persist, I'll be forced to call Krohn & Moss who've already settled a matter against Weltman Weinberg, & Reis for me.

This company incessantly calls and is trying to collect on a debt that is well past the statue of limitations for my state of residence.  I have communicated this to them but the calls continue.

Some lady just called my cell phone asking for someone with our last name that had my cell phone with my husbands cell phone listed as person of contact. She had my husband's first and last name correct, but the middle name was wrong. When I started asking her questions, she said it had to do with a report in their office and this 'person' she said had my phone number, had listed my husband as person of contact and her name belonged to my cell phone. When I continued asking questions, she hung up. I did not and would not give out any information and will file a complaint if it happens again.

We get at least a call every day from this number, always a recording. We are a business, so this is very much an unwanted call.

I just got a call today on my cell. GET THAT MY CELL when no credit company has my cell phone and they even thought i was suppose to be a female. They knew my whole family names and i said anyone who could fraudulently get my info and can get all my fam name via white pages. i was transfered 3-4 times til i got a man trying to set up a payment plan which i told him that i just started work 2 weeks ago due to unemployment. I informed him that my apt and my car and other credit cards that i'm in good standing with comes first and ask me why not them and this was 2004 and never received no letter from them none what so ever it was for ORCHARD BANK they claimed which i do not remember but its possible i had them once. I should of never called that number back but then i didn't want collections calling my cell phone constantly since i get charged for calls. It just boggles me why now 7 years laters. I thought after 7 years they drop off.. but o well i told him he could take me to court because right now i dont have the funds to pay them and he was like ok thats all i needed to hear and hung up. so i'll see if i get a court summon since its been 7 years i dont think they can do anything from my knowledge it drops off after 7 years.

A person by the name of Rachel Lord called and left an urgent message for me to call back. I did but she was in a meeting and "unavailable" at the time. This person was suppose to call me back. However, the whole situation is really strange.

A day earlier, this lady called my parents house looking for my ex-wife (from 5 years ago). Evidently, my ex-wife used my family's info while filling some sort of credit form.

Joe Walker from APM Financial called regarding Bank of America debt that was paid & settled 10 years ago. Asked him to validate this debt, no reply, asked where he got the information from, no reply.  I informed him that the debt had been settled 10 years ago, he asked if i had settlement letter, replied yes i did. asked me to fax it over, informed him i would do no such thing until they could validate the debt. no reply to that... i then asked for his direct line extension, email address and additional contact information he denied giving me anything except the 1-800 355-0123 number.  I informed him i already had it and i needed additional contact information so i could file a complaint since they were not providing me any proof of validation of debt or any other contact information.  He started rattling off federal law regarding this debt and how it was punishable by court of law... threatening me that they could come after me and it being a valid debt i owed. i continued to ask for his information and informed him i would be filing a complaint and he then hung up on me.

THIS #:  

(609) 570-3039
APM FINANCIAL

SHOWS UP ON MY CALLER ID EVERYDAY.

THEY CALL 3 TIMES IN A ROW 3 TO 4 MINUTES APART.  

MY ANSWERING MACHINE PICKS UP AFTER 5 RINGS SINCE I 'M OLD AND I CAN'T GET TO MY TELEPHONE ALL THE TIME WITHIN 5 RINGS.

THEY NEVER LEAVE A MESSAGE.

THEY JUST CALL BACK AND HANG UP AGAIN & AGAIN.