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Updated on Author: Contributing Author: Sergei Lemberg

Are You Being Called By APM Financial, LLC?

Stop the

You have legal rights. We can help.


Constant calls and letters from debt collectors are all stressful, especially if they ignore your requests to stop. Telling them that you can’t pay can make it even worse. Don’t let yourself be bullied, as harassment violates federal law.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act, or FDCPA, which makes it illegal for collection agencies to use tactics like those below to pressure or manipulate you into paying a debt. If they go too far, get a free case review from a consumer lawyer and fight back.

● Failing to validate the debt
● Calling you at work
● Contacting you after you have sent a cease and desist letter
● Using profane and obscene language
● Calling you before 8:00 a.m. and after 9:00 p.m.
● Threatening legal actions they have no intention of carrying out

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Company Profile: APM Financial, LLC

If you are being called by APM Financial, LLC, a company overview is below.

APM Financial, LLC is a debt collection agency in Hamilton, New Jersey. It was founded in 2004, has 10 employees, and is managed by Henriette Hallberg Thygesen. Litigation records at the PACER website shows that people who felt harassed by APM Financial, LLC went to court.

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Alleged Violations against APM Financial, LLC

According to PACER, on or around June 16, 2011, APM Financial, LLC allegedly called a Minnesota consumer and failed to identify itself as a debt collector. When she called back, a collector allegedly demanded payment in full and refused to consider a payment plan. He also allegedly threatened to call her children and everyone else until she paid and told her she had no choice in the matter.

Feeling harassed by APM Financial, LLC, the consumer got a free case review from a consumer lawyer before suing the company for:

● Threatening to contact her family about the debt
● Using harassing means to collect a debt
● Using profane and obscene language

The matter was later settled.

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Hire a Consumer Lawyer

The phone numbers for this debt collection agency are:

● 1-609-570-3039
● 1-800-355-0123

If you notice either of them on your caller ID, it means that APM Financial, LLC is calling. If they belittle you for not being able to pay and threaten to embarrass you publicly, hire a consumer lawyer and file a claim against APM Financial, LLC. You may be awarded $1,000 per FDCPA violation plus reasonable damages and costs. When a debt collector goes too far, the law helps you assert your rights.

*Case taken from PACER ( File number is CASE 0:11-cv-02109-PJS-JSM from the United States District Court for the District of Minnesota.

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Additional Resources

Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against APM Financial, LLC or any other third-party collection agency, you may not be entitled to any compensation.

About the author:

Contributing Author: Sergei Lemberg

Sergei Lemberg is a consumer rights attorney, practicing since 2006, whose practice focuses on consumer law, class actions and personal injury litigation. He is known for a United States Supreme Court case (Facebook v. Duguid) defending consumers from autodialers under the Telephone Consumer Protection Act of 1991 to send unsolicited text messages. He is also the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.

See more posts from Contributing Author: Sergei Lemberg
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