I have sat across from clients shaking because CheckRedi of Kentucky called their supervisor about a bounced check. That reaction is not rare in my practice. Federal law limits what CheckRedi can say and how often they can call you.
Key Takeaways
- CheckRedi of Kentucky, LLC is a Lexington-based check and debt collection agency that has operated for over 15 years.
- The BBB has closed 45 complaints against CheckRedi in three years, with a 1-star average review rating.
- Five federal lawsuits, including Giammarco v. CR of K, have accused the agency of illegal collection tactics.
- The FDCPA allows up to $1,000 in statutory damages per violation, plus attorney fees the collector must pay.
- Automated or excessive calls may also trigger TCPA damages of $500 to $1,500 per call.
- The Wood Firm PLLC takes CheckRedi cases on contingency, so you pay nothing unless we win.
Free Case Review: +1-844-638-1122
Who Is CheckRedi of Kentucky
CheckRedi of Kentucky, LLC is a third-party debt collection and payment processing agency based in Lexington, Kentucky. The company recovers unpaid checks, loans, and other debts on behalf of creditors and merchants. It also runs electronic check processing and a specialized “school program” for schools collecting tuition and fees.
Most clients are stunned how much power a returned check seems to hand a stranger on the phone. That reaction is exactly why I built part of my practice around agencies like this one.
- Address: 406 Park Pl, Lexington, KY 40511-1829
- Phone: (859) 967-7334 | 859-967-7334 | +1 859-967-7334 | 8599677334
- Also Reported: 800-239-1222
- Services: Electronic payment processing, check collections, check verification
In my practice, the CheckRedi files that cross my desk almost always start the same way: a returned check the client barely remembers, followed by calls that escalate fast. CheckRedi acts as a third-party collector rather than the original creditor. That distinction matters, since third-party collectors trigger specific federal rights the moment they contact you.
CheckRedi of Kentucky Phone Numbers
CheckRedi contacts consumers from more than one number, and the company may use additional lines beyond these.
- Main Line: (859) 967-7334
- Also Reported: 800-239-1222
- Formatted: +1 859-967-7334 / 8599677334
Why Is CheckRedi of Kentucky Calling You
CheckRedi of Kentucky is calling you because a creditor or merchant placed a returned check or unpaid account with the agency for collection. Many clients tell me the amount CheckRedi cites does not match what they remember owing. Always request written validation before you pay anything.
A returned check does not automatically mean fraud or bad faith on your part. Banks reject checks for all sorts of reasons. CheckRedi’s system does not always capture that context before the calls start.
The tactics below come up again and again in the complaints I review. Recognizing them is the first step toward deciding whether you have a claim.
Tactics I See Most Often in CheckRedi Complaints
- Abusive or profane language: The FDCPA prohibits collectors from using threatening or humiliating language on a call.
- Calls before 8 a.m. or after 9 p.m.: Contact outside these hours in your time zone is a federal violation.
- Calling your workplace after you object: A written request to stop workplace contact is legally binding.
- Disclosing your debt to family or coworkers: Third-party disclosure is one of the most common complaints I review.
- Threatening a wage garnishment without a judgment: Collectors cannot garnish wages until a court awards one.
- Threatening a lien or bank levy without a judgment: These actions require a court order first.
- Claiming nonpayment is a crime: Failing to pay a consumer debt is a civil matter, not a criminal one.
- Contacting the wrong person: Collectors relying on outdated records sometimes keep calling after being told they have the wrong consumer.
I have watched this last one wear people down more than any other tactic. Once you tell a collector in writing they have the wrong person, continued contact is its own violation.
Is CheckRedi of Kentucky a Scam
No. CheckRedi of Kentucky is a real, licensed collection agency, not a scam. Being licensed did not stop them from earning a 1-star average across 45 closed BBB complaints.
I have read enough of these complaint files to see the pattern repeat. Aggressive calls, disputed amounts, and consumers who never received written validation show up again and again. Longevity in business does not excuse conduct that violates federal law.
Is CheckRedi of Kentucky Banned by the FTC
No. The FTC has not banned CheckRedi from operating. The agency still falls under FTC oversight and FDCPA enforcement, like every collector on our list.
A CFPB or BBB complaint creates a paper trail. I tell every client to file one, regardless of whether they hire an attorney. That record often becomes evidence in a federal claim later.
Has CheckRedi of Kentucky Been Sued for FDCPA Violations
Yes. Consumers have filed multiple federal lawsuits against the agency over the years.
- Giammarco v. CR of K, 5:17-cv-00323-JMH: alleged illegal collection tactics used to pressure payment.
- Laud v. CR of K, 2:16-cv-00040-WCO: alleged FDCPA violations in the agency’s collection communications.
- Davies v. CR of K, 5:08-cv-00338-JBT: alleged unlawful debt collection practices.
- Allen v. CR of K, 2:09-cv-00103-DLB-JGW: alleged violations of federal consumer protection law.
- Clemons v. CR of K, 5:15-cv-00358-KKC: alleged illegal tactics used to pressure consumer payment.
Five separate federal cases against one agency is not a coincidence I take lightly. When I open a new CheckRedi file, I check the tactics against the pattern from these earlier cases. That comparison often shapes how I approach the claim from day one.
How The Wood Firm PLLC Helps Stop CheckRedi of Kentucky
I have built this practice around cases exactly like this one. We review every call and letter CheckRedi sent you and check it against known FDCPA and TCPA violations.
We then send a notice of representation that legally stops direct contact. From there, we pursue every dollar of damages the law allows.
You pay nothing unless we win. If CheckRedi violated your rights, they pay our fees, not you. Reach The Wood Firm PLLC any time at +1-844-638-1122.
Being contacted by CheckRedi of Kentucky? Visit our contact page or call +1-844-638-1122 for a free case review. The Wood Firm PLLC handles these cases on contingency. If CheckRedi violated federal law, they pay our fees.
Frequently Asked Questions About CheckRedi of Kentucky
Why is CheckRedi calling me
CheckRedi is likely calling to collect on a returned check or unpaid account placed with them by a creditor or merchant. Request written validation before making any payment. That request pauses collection until they respond.
Is CheckRedi legit or a scam
Legitimate. CheckRedi is a real, licensed agency, not a scam. It has still drawn dozens of BBB complaints and a 1-star average rating. Verify any debt before paying.
What is CheckRedi’s phone number
CheckRedi contacts consumers from (859) 967-7334 and 800-239-1222. If a call comes from an unfamiliar number claiming to be CheckRedi, ask for written confirmation first.
What is CheckRedi on my bank statement
A CheckRedi line item on a bank statement usually reflects a payment through their portal or a merchant collection attempt. Review the transaction date against your own records.
Can CheckRedi sue me or garnish my wages
Only after filing a lawsuit and winning a court judgment. Threats of garnishment before that point may violate the FDCPA.
Can CheckRedi report my debt to credit bureaus
Yes, unpaid debts can be reported. If the debt is inaccurate or resolved, you can dispute it to get the entry corrected or removed. Keep copies of every payment record in case a dispute becomes necessary.
How do I stop CheckRedi from calling me
Send a written cease-communication letter or have an attorney send one for you. Once received, contact must stop except to confirm cessation or notify you of legal action.
What Should You Do Next If CheckRedi Contacted You
Document every call, then request written validation before you consider paying anything. I can tell you within one conversation whether your file has a real claim worth pursuing. Call +1-844-638-1122 to speak with The Wood Firm PLLC at no cost.
Related reading: Credit Services Debt Collection Harassment, Associated Recovery Systems Phone Harassment, First National Collection Bureau Debt Collection Harassment, and Action Collection Agency Debt Harassment. For general guidance, see the FTC website, its debt collection FAQs, and our guide to common FDCPA violations.
Jeff Wood represents consumers exclusively, never creditors or collectors. He holds federal court admissions across 9 districts, including all courts of AR, CO, NM, and TX. He practices from Little Rock, AR.
