I acknowledge my debt as outlined in this application and promise to pay by the options I have selected in this application. I understand that Apex Management Services Ltd, on behalf of my Creditor, has the right to further pursue recovery of the amount under query at any time. If the above payment is not maintained. I understand that it is the policy of Apex Management Services Ltd to initiate legal action for failure to live up to the above agreement. I also understand that the checks are generally not accepted for payment and there is a $75.00 fee for any NSF dishonored.