The Law Office of Paul Mankin

Is the debt collection agency AP Account Services, LLC harassing you?

What is AP Account Services, LLC?

AP Account Services, LLC is a subsidiary of the established mortgage company Southwest Business Corporation. The debt collection business was founded in Texas in 2009 and offers adjustment and debt collection services. It is estimated to have between one and five employees and it operated by Vice President, Mr. Gary Dudley with the guidance of Assistant General Counsel, Mr. Jerod Neas.

Is AP Account Services, LLC a legit Debt Collection Agency?

Yes, AP Account Services, LLC is a legit debt collection company. AP Account Services, LLC has been recognized by the Better Business Bureau (BBB) since 1987, accredited since November 2008, and maintains an A BBB rating. The company has responded to its BBB complaints and appears to operate as a legitimate debt collector. AP Account Services, LLC is not known to conduct business under any other aliases, though it may be broadly referred to as part of Southwest Business Corporation.

AP Account Services, LLC Contact Information:

9311 San Pedro Avenue 600

San Antonio, TX 78216

(210) 525-1242 (phone)

(210) 525-1240 (fax)

(800) 527-0066

(210) 525-1242

(817) 795-0031

What kind of complaints does AP Account Services, LLC have against them?

AP Account Services, LLC has received 16 BBB consumer complaints and 19 Consumer Finance Protection Bureau (CFPB) complaints. The overwhelming majority of complaints describe practices where the collector makes it impossible for the debtor or alleged debtor to contact the collector in response to AP’s debt collection efforts.

Additional phone numbers reportedly used by AP Account Services, LLC include:

(866) 422-5412

(866) 536-1221

Are AP Account Services, LLC’s Practices Legal?

While it might sound more unfair than illegal for a collector to make it difficult or impossible for a debtor to contact the collector, that kind of behavior could amount to collector harassment, which is illegal under the Fair Debt Collection Practices Act (FDCPA). Even though it sounds like bad business for a collector not to make itself available to receive calls (and payments) from debtors it has reached out to, this is a strategy employed by less scrupulous collectors to harass debtors into making payments in amounts greater than what is actually owed. It is also used by some collectors to harass debtors into sending payment without any kind of settlement agreement or other paper trail that the debtor can use to prove payment in the event the collector continues to harass the debtor or files a lawsuit.

How can I defend myself against a debt collector like AP Account Services, LLC?

Texas residents can find consumer rights information on the Attorney General’s website at Complaints regarding a collector in any state may be filed with the Federal Trade Commission at or (877) FTC-HELP (877-382-4357), and complaints regarding any collector or other business can be made at BBB complaints.

If you believe you have a claim for collection harassment or are a victim of another violation of state or federal debtor’s rights, you should speak with a consumer rights lawyer or debt collection harassment attorney immediately. Contact us today to discuss your matter and see how we can help at no cost to you.