Latest Posts
Home > Debt Relief Industry > Interesting Approach. Apex Credit. Pay for Credit Repair in Advance and Get Debt Settlement if You Need It.

Interesting Approach. Apex Credit. Pay for Credit Repair in Advance and Get Debt Settlement if You Need It.

Apex Credit, located in California, has a new twist on selling debt settlement services.

Company agrees to provide credit restoration services to (“CLIENT”) under the terms and conditions of this Agreement (the “SERVICE”). The Service consists of credit report cleanup and the negotiation and settlement with creditors of unsecured debt on behalf of the Client if necessary to obtain this goal.

The monthly cost for this services is:

(a) Monthly Program Fee: This fee is $100.00. First payment due upon start. While majority of other companies collect all their fees upfront, we give you the opportunity to pay monthly costing consumers hundreds if not thousands less than before. Monthly program fee includes all faxing, mailers, communicating, and correspondence with the credit reporting agencies and or creditors when necessary. Program may take 1 to 42 months depending on thumbprint of clients file.

(b) Settlement Fee: Although this fee may not apply to all, Client is required to pay immediately upon settlement and invoice. This fee is 20% of the account balance when verified through credit report at start of Clients program. (Example: If the account balance was verified at $100.00 and a settlement is reached at $20.00, Client would be responsible to pay Company $20 for settlement fee and pay creditor $20.00 for what is owed). If Client agrees to a settlement with any creditor submitted to “Company”, then “Company” shall be entitled to the payment of settlement fees whether settled by “Company” or the Client.

You can read the client agreement here.

The company settling the debt is Hutton & Dougherty.

It is also interesting that the company is located in California at 22143 Cantlay Street, Canoga Park, CA 91303 but the State of California has no company registered to do business as Apex Credit.

Here is a picture of the address Apex Credit gives for their offices.

Interesting Approach. Apex Credit. Pay for Credit Repair in Advance and Get Debt Settlement if You Need It.

Interesting Approach. Apex Credit. Pay for Credit Repair in Advance and Get Debt Settlement if You Need It.
Get Out of Debt Guy – Twitter, G+, Facebook

I can always use your help. If you have a tip or information you want to share, you can get it to me confidentially if you click here.

Interesting Approach. Apex Credit. Pay for Credit Repair in Advance and Get Debt Settlement if You Need It. by

Share This and Spread the Word

About Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
  • Steve Rhode

    From time to time in my articles I will publish a picture of the business. If you look at my post you will see I did not say anything negative about where the business was located.

    I could not find a company authorized to do business in California under the name Apex Credit. Now there is an Apex Credit Management, LLC but the Apex Credit agreement is not between that company and the consumer.

    A search found “Apex Credit Management, LLC is located at 22143 Cantlay St Canoga Park, CA 91303. The officers include Judi Zele, Komyar Fazhang.”

  • Doug

    In my experiences in the past 3 years scouting multiple credit repair agencies I have to say most credit repair companies have moved their operation to a home offices and are no longer in physical offices especially now a days with the expenses of todays business world and economy. Why should it make a difference where the business is located if the work gets done? All Clients will always get a live person between business hours and will get all the services of a large company paying a large overhead. If a company does the work to their best ability and delivers the result and has a happy client, who cares if their phone, fax, computer, and copiers were in an alley in South Central LA. If their overhead is low then they are able to conduct a lower cost program for people and still provide their service. Look on the bright side, they are always in the office if they live there. What more could someone want from a company than to always be there, answer all calls within 24 hours, and provide the service they are seeking. Look at these bigger companies laying off a bunch of people and closing down because they can’t afford to maintain structure. I was unconcerned with their location because they did provide the result for friends and family I sent to them and at a rapid pace. Their client services were up to par with coorespondence to the client and were very clear about what they were able to do and approximentally how long it could take based on other client completions.

  • Doug

    In my experiences in the past 3 years scouting multiple credit repair agencies I have to say most credit repair companies have moved their operation to a home offices and are no longer in physical offices especially now a days with the expenses of todays business world and economy. Why should it make a difference where the business is located if the work gets done? All Clients will always get a live person between business hours and will get all the services of a large company paying a large overhead. If a company does the work to their best ability and delivers the result and has a happy client, who cares if their phone, fax, computer, and copiers were in an alley in South Central LA. If their overhead is low then they are able to conduct a lower cost program for people and still provide their service. Look on the bright side, they are always in the office if they live there. What more could someone want from a company than to always be there, answer all calls within 24 hours, and provide the service they are seeking. Look at these bigger companies laying off a bunch of people and closing down because they can’t afford to maintain structure. I was unconcerned with their location because they did provide the result for friends and family I sent to them and at a rapid pace. Their client services were up to par with coorespondence to the client and were very clear about what they were able to do and approximentally how long it could take based on other client completions.

    • http://GetOutOfDebt.org Steve Rhode

      From time to time in my articles I will publish a picture of the business. If you look at my post you will see I did not say anything negative about where the business was located.

      I could not find a company authorized to do business in California under the name Apex Credit. Now there is an Apex Credit Management, LLC but the Apex Credit agreement is not between that company and the consumer.

      A search found “Apex Credit Management, LLC is located at 22143 Cantlay St Canoga Park, CA 91303. The officers include Judi Zele, Komyar Fazhang.”

  • Tictoc

    Just a matter of time. Tic Toc

  • Just a matter of time

    Steve, please list you home address so all of us scammers & bad actors can come thank you for liberating us!!

  • Forewarned

    You are a master of attacking people for your own gain & when someone points it out what your motivations are you pretend to be some Saint! In a world as crazy as ours you will attack the wrong person or company 1 day with your lies & half truths & you will pay a heavy price.

  • Joe_debt_jr

    to Guest, you can find alot of houses on Zillow too. :) nice house though lol.

  • Hugs88800

    Why are you upset, is this your house???

  • Steve Rhode

    Its the address Apex lists as the business address and the picture that appears on Google when you look up the street view for Apex. Its not like I went out and hunted down the home address for an employee.

  • Guest

    You’re an idiot, putting a picture of someones house on your site. Your journalistic integrity is just as bad if not worse than the actions taken by the companies you speak about….

  • Guest

    You’re an idiot, putting a picture of someones house on your site. Your journalistic integrity is just as bad if not worse than the actions taken by the companies you speak about….

    • http://GetOutOfDebt.org Steve Rhode

      Its the address Apex lists as the business address and the picture that appears on Google when you look up the street view for Apex. Its not like I went out and hunted down the home address for an employee.

      • Forewarned

        You are a master of attacking people for your own gain & when someone points it out what your motivations are you pretend to be some Saint! In a world as crazy as ours you will attack the wrong person or company 1 day with your lies & half truths & you will pay a heavy price.

    • Hugs88800

      Why are you upset, is this your house???

      • Anonymous

        to Guest, you can find alot of houses on Zillow too. :) nice house though lol.

Get My FREE Get Out of Debt Guy Newsletter

It is the smart thing to do.

I promise to keep your email safe and secure.

Close

I want to keep you posted each weekday with just one email about the latest get out of debt news, scam alerts and information to beat back debt.

You can unsubscribe at any time with just one click.

After you subscribe, check your email to confirm your subscription. If the confirmation email does not appear in your inbox in a few minutes, check your spam folder for it. Sometimes it likes to annoyingly hide there.


  • It will keep you posted on the latest scams.
  • You will be alerted to the latest articles.
  • You will wind up smarter than everyone else dealing with debt.