Who Called From 334-396-1290?
Short answer: 334-396-1290 is a number used by Apex Asset Management LLC (Apex Asset Management LLC), a debt buyer based in Lancaster, PA — nyc department of consumer affairs (predecessor to dcwp) debt-collection license 1262528-dca on file, address of record in lancaster, pa. They are almost certainly trying to collect a debt, most often credit card debt. You are not required to answer or say anything — and you have the right to demand written proof before you pay a cent.
Whose Number Is 334-396-1290?
The number 334-396-1290 is used by Apex Asset Management LLC (nyc department of consumer affairs (predecessor to dcwp) debt-collection license 1262528-dca on file, address of record in lancaster, pa), a debt buyer in Lancaster, PA. For the full company profile — ownership, history, and known aliases — see our complete Apex Asset Management LLC guide. This page focuses on the calls coming from 334-396-1290 specifically.
About this specific number
- 📞 Number: 334-396-1290 (area code 334, ending in 1290)
- 📍 Line type: Direct-dial — resolves to the 334 area code.
- 🏢 Operator: Apex Asset Management LLC, a debt buyer in Lancaster, PA.
- 🔢 Related lines: Apex Asset Management LLC is documented using 1 number in our directory, so calls may also come from other digits.
334-396-1290 is a direct-dial number tied to the 334 area code, which is why the call may have appeared "local" on your caller ID even though Apex Asset Management LLC operates out of Lancaster, PA.
Some carriers display 334-396-1290 under a spoofed or neighboring city name. Do not trust the on-screen label — trust the written validation you request from Apex Asset Management LLC.
On your caller ID, in voicemails, or in letters, this company can also appear as: Apex Asset Management LLC.
Why Is Apex Asset Management LLC Calling Me From 334-396-1290?
In our directory, 334-396-1290 is tracked as a nyc department of consumer affairs (predecessor to dcwp) debt-collection license 1262528-dca on file, address of record in lancaster, pa for Apex Asset Management LLC, which typically collects credit card debt, charged-off consumer accounts. A call from 334-396-1290 usually happens because:
- ✅ An original account (a credit card debt, for example) went unpaid and was charged off by the creditor.
- ✅ The account was sold to Apex Asset Management LLC, which now owns the debt and is trying to collect the full balance.
- ✅ Apex Asset Management LLC is now dialing you from 334-396-1290 and possibly other lines to reach a resolution.
Calls from 334-396-1290 often come right after a billing cycle closes. Some people report that 334-396-1290 calls once and hangs up, then tries again from a different Apex Asset Management LLC line hours later. A single missed call is not proof of a valid debt. When 334-396-1290 shows up on your caller ID, it is worth checking whether the Apex Asset Management LLC account also appears on your credit report. A phantom call with no tradeline may signal an unvalidated or misrouted debt. Bottom line — make Apex Asset Management LLC prove the credit card debt in writing first.
Important: a phone call — even from a real number like 334-396-1290 — does not prove you owe the debt, that the amount is correct, or that Apex Asset Management LLC can legally collect it. That is exactly why your validation rights matter.
What NOT to Say If You Answer 334-396-1290
Anything you say to Apex Asset Management LLC can be used to collect. Protect yourself — avoid these common mistakes on the call.
Don't admit the debt is yours
When 334-396-1290 calls, saying "yes, that's mine" or apologizing can be treated as acknowledging the debt — which may reset the statute of limitations. Neither confirm nor deny until you've seen written validation from Apex Asset Management LLC.
Don't agree to a payment on the spot
A single payment to Apex Asset Management LLC — even a small "good-faith" one — can restart the clock on an old debt and make it collectable again. Never authorize a payment over a call from 334-396-1290.
Don't give bank or card details
Do not read out your bank account, debit, or credit card number to anyone calling from 334-396-1290. Any legitimate Apex Asset Management LLC resolution can be handled in writing after validation.
Don't confirm personal information
Avoid confirming your SSN, date of birth, employer, or address to the 334-396-1290 caller. If it truly is your Apex Asset Management LLC account, they should already have what they need and must prove it.
What To Do If 334-396-1290 Keeps Calling
Here are concrete next steps for this specific Apex Asset Management LLC line. Work through them in order — each one strengthens your position before you ever discuss the debt.
- 1
Save 334-396-1290 as a contact labeled "Apex Asset Management LLC — do not answer" so you can screen future calls with confidence.
- 2
Do not return the call to 334-396-1290 until you have the account details in writing — a call-back can be treated as engagement.
- 3
Ask, in writing, that Apex Asset Management LLC identify the original creditor behind the 334-396-1290 calls and the date the debt was opened.
Your Rights When Apex Asset Management LLC Calls From 334-396-1290
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) give you real leverage. Here is the debt-validation playbook we use at Crowned Credit.
1. Demand Debt Validation (FDCPA §809)
Within 30 days of first contact, send Apex Asset Management LLC a written debt-validation letter. They must prove the debt is yours, the amount is right, and they have the legal authority to collect — or stop collecting.
2. Dispute With the Bureaus (FCRA §611)
If Apex Asset Management LLC reported a tradeline, dispute it with Equifax, Experian, and TransUnion. They have 30 days to investigate; unverifiable items must be corrected or deleted.
3. Log the Calls
Write down every call from 334-396-1290: date, time, and what was said. Repeated calls, calls at odd hours, or threats can be FDCPA violations — and leverage for you.
4. Send a Cease-and-Desist
You can demand in writing that Apex Asset Management LLC stop calling you entirely. The calls must stop, even though they may still report or pursue other legal steps.
5. Check the Statute of Limitations
Every state limits how long a collector can sue on a debt. If the debt is time-barred, Apex Asset Management LLC generally cannot win a lawsuit — and a payment could dangerously restart that clock.
6. Know the Anti-Harassment Rules
The FDCPA bars Apex Asset Management LLC from calling before 8am or after 9pm, threatening you, or lying about the debt. Each violation may entitle you to statutory damages.
How Crowned Credit Helps With Calls From 334-396-1290
We investigate the specific Apex Asset Management LLC account behind the calls, assert every applicable right, and work it with all three bureaus and the collector directly — no cookie-cutter form letters.
Review & Validate
We pull all three bureau reports, find every error tied to the Apex Asset Management LLC account, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and to Apex Asset Management LLC. When they fail to investigate properly, we escalate to the CFPB and, where warranted, attorneys.
Track & Build
We monitor the outcome and coach you on rebuilding once inaccurate items are addressed. Results vary by profile.
Or call us directly at 336-310-0090. Results vary based on your individual credit profile.
334-396-1290 — Frequently Asked Questions
Who is calling me from 334-396-1290?
334-396-1290 is a direct-dial line associated with Apex Asset Management LLC (also seen as Apex Asset Management LLC), a debt buyer headquartered in Lancaster, PA. The number resolves to the 334 area code. If you received a call from 334-396-1290 — often showing the last four digits 1290 on your screen — it is very likely Apex Asset Management LLC attempting to reach you about a debt they say you owe, most often credit card debt, charged-off consumer accounts.
Is 334-396-1290 a scam number?
Apex Asset Management LLC is a real, registered company, and 334-396-1290 is a documented line tied to it. That said, scammers do "spoof" the caller ID of well-known collectors like Apex Asset Management LLC, so the number showing on your screen is not proof of anything. Never give payment or personal information based on a phone call alone. Ask for the caller's name, company, and a written validation notice before you discuss any debt.
Do I have to answer or call back 334-396-1290?
You are not legally required to answer 334-396-1290 or call Apex Asset Management LLC back. In fact, it is usually smarter to say nothing on the phone and instead demand everything in writing. Under the FDCPA, once you send a written debt-validation request, Apex Asset Management LLC must pause collection until it mails you proof of the debt.
Why is Apex Asset Management LLC calling me about credit card debt?
A call from 334-396-1290 usually means an original credit card debt went unpaid and was sold to Apex Asset Management LLC, which now owns the balance and dials this line to collect it. The account may have aged or changed hands more than once, so demand the full paper trail before you accept the balance as accurate.
Can I stop Apex Asset Management LLC from calling 334-396-1290?
Yes. The FDCPA lets you send a written cease-and-desist demand telling Apex Asset Management LLC to stop contacting you by phone. They can still report to the bureaus or pursue other legal steps, but the calls from 334-396-1290 and any related lines must stop. This is a useful way to end harassment while you build your dispute.
Should I pay the debt Apex Asset Management LLC is calling about?
Do not pay anything based on a call from 334-396-1290 until the debt is validated. Once you confirm the debt is yours, accurate, and still within your state's statute of limitations, you can consider a written pay-for-delete arrangement. Paying an unverified or time-barred debt can restart the clock and lock in a negative mark. Get a free assessment first.
More About Apex Asset Management LLC
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