Are you receiving relentless calls from CheckRedi of Kentcky. Are they threatening legal action or contacting your family and neighbors about your debt? If so, you do not have to face it alone. No one should endure CheckRedi of Kentucky debt collection harassment. The Fair Debt Collection Practices Act (FDCPA) protects you against unethical debt collection tactics. If a collection agency violates this law, you may be entitled to up to $1,000 statutory damages. You can also recover attorney fees.
The Wood Law Firm has extensive experience handling cases of harassment from collection agencies. Call us today at +1 844-638-1122 to stop these calls for good.
Is CheckRedi of Kentucky a Scam?
Many consumers need clarification on CheckRedi of Kentucky’s legitimacy. According to the Better Business Bureau (BBB), this company has operated for over 15 years. However, the BBB reports 31 complaints against it, ranging from harassment to inaccurate debt claims.
In addition to the Better Business Bureau, the Federal Trade Commission also oversees and regulates the practices of collection companies like CheckRedi.
Despite their longevity, CheckRedi of Kentucky complaints indicate serious concerns about their business practices. These complaints often highlight aggressive and abusive tactics that may violate federal laws.
Who Is CheckRedi of Kentucky?
CheckRedi of Kentucky is a third-party debt collection agency based in Lexington, Kentucky. Their primary business involves acting as a debt collector, often using aggressive communication methods.
This agency has faced several federal lawsuits for allegedly violating consumers’ rights. These cases claim that CheckRedi of Kentucky collectors employed illegal methods to pressure individuals into making payments.
Company Details:
406 Park Pl, Lexington, KY 40511-1829
(859) 967-7334
Also read: Action Collection Agency Debt Harassment
CheckRedi’s Services and Clients
CheckRedi offers a variety of services designed to streamline financial transactions and debt collections. Their offerings include electronic payment processing, check collections, electronic check collections, check verification, and a specialized “school program.” These services aim to provide safe, convenient, and efficient payment processing platforms for both businesses and consumers. However, the specifics of their debt collection practices and the companies they represent remain somewhat ambiguous. Given the outsourcing nature of debt collection, it’s crucial to verify the details of any debt as soon as possible. This proactive approach can help prevent multiple collection accounts from appearing on your credit report, which can further complicate your financial situation.
Number of Complaints Against CheckRedi
CheckRedi has garnered a significant number of complaints across various platforms, raising concerns about their collection practices. On the Better Business Bureau (BBB) website, the company has had 45 complaints closed in the last three years, with 13 of those closed in the past 12 months. Additionally, CheckRedi has received six customer reviews on the BBB site, averaging a dismal 1-star rating. Over on Google Reviews, the company fares no better, with 18 reviews culminating in a 1.2-star rating overall. These complaints often allege unethical collection practices that may violate the Fair Debt Collection Practices Act (FDCPA). Such practices include harassment, unauthorized withdrawals, and failure to provide necessary documentation, all of which can significantly impact consumers’ lives.
Common Tactics Used by Debt Collectors
Suppose you’re experiencing CheckRedi of Kentucky debt collection harassment. In that case, you may notice some distressing behaviors that pressure you into making payments. These actions often violate federal regulations like the Fair Debt Collections Practices Act (FDCPA), which protects consumers from abusive debt collection practices and ensures fair debt collections practices. Understanding these tactics can help you recognize violations of your rights.
Using Abusive or Profane Language
Debt collectors like CheckRedi of Kentucky may use harsh or offensive language to intimidate or humiliate you. This behavior not only creates emotional distress but also aims to pressure you into making immediate payments. However, such actions are illegal under the FDCPA, prohibiting debt collectors from using abusive, profane, or threatening language during communications.
Calling Early in the Morning or Late at Night
One common strategy CheckRedi of Kentucky collectors uses involves making calls outside of acceptable hours. The FDCPA restricts debt collectors from contacting you before 8:00 a.m. or after 9:00 p.m. in your local time zone. If they persist in calling during these prohibited times, they violate your rights.
Repeatedly Contacting You
CheckRedi of Kentucky phone harassment often involves relentless calls throughout the day. You might receive multiple calls within hours, feeling overwhelmed and stressed. Regardless of your financial situation, this tactic will wear you down until you agree to pay. Excessive communication crosses legal boundaries and constitutes harassment.
Discussing Your Debt with Family, Friends, or Coworkers
Debt collectors cannot discuss your financial obligations with third parties. Yet, some CheckRedi of Kentucky complaints reveal that the company has contacted relatives, friends, or even employers to disclose personal debt information. This tactic embarrasses you into making payments but blatantly infringes on your privacy rights.
Contacting You at Your Workplace
Many individuals have reported that CheckRedi of Kentucky calls them at their place of employment. This strategy can jeopardize your job and reputation, especially if your employer has a strict policy against personal calls during work hours. You can request in writing that they cease contacting you at work. Once you do, they must comply with the law.
Threatening Legal Action, Wage Garnishment, or Credit Damage
Debt collectors sometimes threaten legal action, such as filing a lawsuit or garnishing wages. While CheckRedi of Kentucky lawsuits can occur if they obtain a court judgment, making baseless threats is illegal. Collectors may also warn of credit score damage to coerce you into paying immediately. Remember, empty threats violate federal law, and you should not tolerate them.
Accusing You of Committing a Crime
In extreme cases, CheckRedi of Kentucky threats may escalate to false accusations of criminal activity. They might claim that failing to pay your debt is a criminal offense, which could lead to arrest or prosecution. However, failure to pay most consumer debts is a civil issue, not a criminal one. Debt collectors cannot legally accuse you of criminal conduct to intimidate you.
Contacting You Despite Having the Wrong Person
Another frequent complaint involves CheckRedi of Kentucky calling individuals who don’t owe the debt. This situation often occurs when collectors rely on outdated or incorrect information. They may continue to contact you despite being informed of their mistake, causing unnecessary stress. This behavior violates the FDCPA.
Failing to Inform You of Your Right to Dispute the Debt
Debt collectors must notify you of your right to dispute the debt within five days of their initial contact. If CheckRedi of Kentucky fails to provide this information, they are in breach of the law. Disputing the debt can halt collection efforts until they verify its validity, giving you time to resolve the situation on your terms.
Demanding Amounts Beyond What Is Legally Permissible
Some collectors attempt to collect more than the original debt, adding unauthorized fees or interest. If CheckRedi of Kentucky demands payment exceeding the legally agreed-upon amount, they violate your rights. Always review your debt documentation carefully to ensure the debt amount is correct.
Harassing Phone Numbers Used by CheckRedi of Kentucky
Are you receiving calls from the following numbers?
800-239-1222
859-967-7334
These are known CheckRedi of Kentucky phone numbers, but the company may use additional numbers to contact you. If you’re unsure, keep a record of all calls and contact . We can help you stop the harassment and explore legal action.
Associated Recovery Systems Phone Harassment
Frequently Asked Questions About CheckRedi of Kentucky Debt Collection Harassment
Q: What is CheckRedi of Kentucky, LLC? A: CheckRedi of Kentucky, LLC is an electronic payment processing and debt collection agency based in Lexington, Kentucky. They offer a range of services, including debt collection and electronic payment processing.
Q: What are the alleged violations against CheckRedi of Kentucky, LLC? A: CheckRedi of Kentucky, LLC has faced accusations of making unauthorized withdrawals from consumers’ bank accounts, leaving voicemails without identifying themselves as debt collectors, and failing to send written correspondence about consumers’ rights to dispute the debt.
Q: Can I sue CheckRedi of Kentucky, LLC for harassment? A: Yes, if you believe that CheckRedi of Kentucky, LLC has violated your rights under the Fair Debt Collection Practices Act (FDCPA), you may be able to sue the company for harassment.
Q: How can I stop CheckRedi of Kentucky, LLC from calling me? A: If you are receiving unwanted calls from CheckRedi of Kentucky, LLC, consider hiring a consumer lawyer to help you stop the harassment. Legal professionals can guide you through the process and ensure your rights are protected.
Q: Can I delete CheckRedi of Kentucky, LLC from my credit report? A: Yes, if you believe that CheckRedi of Kentucky, LLC has incorrectly reported information on your credit report, you may be able to have it deleted. Disputing inaccuracies with credit bureaus can help clean up your credit report and improve your financial standing.
Frequently Asked Questions About CheckRedi of Kentucky Debt Collection Harassment
Is CheckRedi of Kentucky a scam?
No, but their tactics often push legal boundaries.
Can CheckRedi of Kentucky garnish my wages?
Yes, but only if they obtain a court judgment or are in a situation where the debt involves federal student loans.
Can they sue me?
Yes, they can file a lawsuit if the debt is within the statute of limitations. If they win the lawsuit, they can take legal steps to recover the money you owe.
Will they report my debt to credit bureaus?
Debt collectors can report unpaid accounts to credit agencies, which may affect your credit score.
Can they have me arrested?
Debt collectors cannot arrest you for failing to pay a debt. However, ignoring a court order related to the debt could lead to legal consequences.
First National Collection Bureau Debt Collection Harassment
Legal Action Against CheckRedi of Kentucky Debt Collection Harassment
Several consumers have taken legal action against CheckRedi of Kentucky. Here are a few notable cases:
Giammarco v. CheckRedi of Kentucky (5:17-cv-00323-JMH)
Laud v. CheckRedi of Kentucky (2:16-cv-00040-WCO)
Davies v. CheckRedi of Kentucky (5:08-cv-00338-JBT)
Allen v. CheckRedi of Kentucky (2:09-cv-00103-DLB-JGW)
Clemons v. CheckRedi of Kentucky (5:15-cv-00358-KKC)
These cases demonstrate that consumers can fight back and hold collection agencies accountable. These legal actions aim to achieve safe and fair debt collection practices for all consumers.
How to Stop CheckRedi of Kentucky Debt Collection Harassment
You don’t have to endure harassment from CheckRedi of Kentucky collectors. specializes in protecting consumers from abusive debt collection practices. Managing these operational responsibilities effectively can help you stop the harassment and protect your rights.
Here’s how we can help:
Evaluate Your Case: We review your situation to determine if the collection agency has violated the FDCPA.
File a Complaint: if the collector violates your rights, we can file a complaint with the appropriate authorities.
Take Legal Action: We pursue legal action to stop the harassment and seek damages on your behalf.
Since 2010, has assisted countless clients in stopping harassment from debt collectors. Our team understands the stress and anxiety that come with these calls, and we are committed to fighting for your rights.
Credit Services Debt Collection Harassment
Real Stories from Satisfied Clients
“I was harassed daily by a collector. Thanks to The Wood Law Firm, the calls stopped, and I received compensation for the harassment.”
“I nearly paid a debt I didn’t owe due to threats from a collector. The Wood Law Firm quickly resolved my case and provided peace of mind.”
“Their team was professional and knowledgeable. They explained my rights and handled everything with precision. I highly recommend their services.”
Stop CheckRedi of Kentucky Debt Collection Harassment
Don’t wait for the harassment to worsen. Contact at +1 844-638-1122 to stop the calls from CheckRedi of Kentucky. Our experienced team will guide you through the process and help you reclaim your peace of mind.
For more information, visit our website and learn how to protect yourself from unethical debt collection practices.
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