I had a card that was charged off to Apex Financial company. This individual has called my father many times after i told him to stop. I try working out several payment options with him and he wont work with me on anything saying " You have no more options in this" tells me that if i don’t commit to these payments there gonna charge me for fraud and get a default judgment against me. He also insists on telling me that chapter 7 Bankruptcy wont get me out of the obligation because they said i did was a criminal act. He said I would be charged with fraud, won't get a job anywhere, and costs me lots of more money cause of the attorney fees I did retain a bankruptcy attorney, i gave the collector my court record, and the names and phone numbers of my attorneys. He calls my dad again after telling him i don’t live there anymore and tells me that everything i told my bankruptcy lawyer is complete lie accusing me of giving false attorney information.

I am seriously considering suing the pants of this collection company guys please give me some info on what u think if i have legit grounds to sue.