Caller Locate

This phone number calls and simply just hangs up.

Called and hung up the phone once i responded

I just now received this call today also!

I had a previous debt that I let go for over a year because of illness. Last week, James Leo from API called me and told me the account went to pre-litigation. When I called the original creditor (LoanMe) who gave me the loan, they gave me the phone number to who they sold it to. That company then gave me API's phone number, as they again sold it to them last month. James explained that in order to file a judgment on these accounts, they must own it. They also sent me an e-mail showing the verification of my debt. Unfortunately, these guys are legitimate. According to LoanMe, they do sue on accounts who refuse to pay voluntarily. Pretty much everything I was told by API was verified to be correct. As much as I hate to admit it, they did have a right to collect on my account.

To make a long story short, I paid the settlement amount that they offered me. Later that day I got an e-mail stating the payment was made and applied to my account and that I have a zero balance. I made sure a copy of the letter was also sent to LoanMe. Do your homework and follow the trail, however, at the end of the day these guys are the ones handling the debt. I thought it was illegal to sell and buy debt but it's not. I had to end up paying as I am in the process of getting a home and couldn't have a judgement on my credit report.