A client of ours also was overcharged way more than the legal APR limits allow by Florida law, patients and Dr's BEWARE!! Beware of www.APFservices.com which is now hiding behind there new so called identity www.advancecarecard.com, they have been breaking the law in overcharging patients which is called illegal!! Companies like this should be behind bars where they belong! We will be pushing to get them out of the financial system where the other predators headed before them. Overcharging APR is a crime! read full review »