CheckRedi Of Kentucky Debt Collection Harassment? Stop the Calls!
Is CheckRedi Of Kentucky (CRK) calling you? Stop CheckRedi Of Kentucky phone harassment. Do they threaten to take legal action or garnish your wages? Are they contacting you at inappropriate times or several times a day? Are they telling your family and neighbors that you owe a debt? Debt collectors may also falsely claim that failing to pay is a criminal offense, attempting to intimidate you with threats of arrest or prosecution. Collectors often pressure individuals to pay through repeated calls and threats. If so, what they are doing is illegal and needs to stop. You have the legal right to stop CRK phone harassment. If a collection agency commits violations of the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees. If you experience such harassment, you can file a complaint with the appropriate authorities. Additionally, understanding your rights as a consumer can help you protect yourself from unfair debt collection practices.
Is CheckRedi Of Kentucky a Scam?
According to the Better Business Bureau website, CheckRedi Of Kentucky has been in business for 15 years. There have been 31 complaints filed against CRK with the BBB. Additionally, customer review ratings can provide further insight into the company’s reputation and help assess overall customer satisfaction.
Read more here: CheckRedi Of Kentucky Better Business Bureau.
Who is CheckRedi Of Kentucky?
Checkredi of Kentucky is a third party debt collector located in Lexington, Kentucky. They have been sued in federal court several times for having violated consumer’s rights while collecting on alleged debts. Consumers have the right to sue CheckRedi if their rights are violated under the FDCPA. Debt collectors, including CheckRedi, are required to inform consumers of their right to dispute a debt within five days of initial contact. A recent Federal Court case alleges that Checkredi of Kentucky used illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer. If your rights have been violated, you can file a complaint with the relevant authorities or file a lawsuit against CheckRedi.
Address: 406 Park Pl Lexington, KY 40511-1829
Phone: (859) 967-7334
CheckRedi Of Kentucky Collection Tactics
If CheckRedi Of Kentucky engages in any of the following tactics, you may have a case:
- ➢ Calling you before 8:00 a.m. or after 9:00 p.m.
- ➢ Making personal calls to your workplace or contacting you through your employment, which can put your job and reputation at risk.
- ➢ Attempting to collect from the wrong person due to incorrect or outdated information.
- ➢ Trying to collect unauthorized fees or payments not legally owed.
- ➢ Pressuring you to make payments or falsely claiming you have already paid.
- ➢ Failing to inform you of your rights, such as your right to dispute the debt.
- ➢ Refusing to prove or verify the debt, or not providing documentation to show the debt is correct.
- ➢ Failing to ensure the debt amount is correct and legally justified.
- ➢ Neglecting their operational responsibilities to comply with debt collection laws and regulations.
CheckRedi Of Kentucky Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
- 📲 800-239-1222
- 📲 859-967-7334
- 📲 (800) 239-1222
- 📲 (859) 967-7334
- 📲 8002391222
- 📲 8599677334
If the answer is yes, then you are being called by a known CRK number. You may be a victim of CRK phone harassment. The list above is not all the numbers that CRK uses. The calls can be from different phone numbers and it still be CheckRedi Of Kentucky calling you. If you have been called by these numbers and the debt is inaccurate, you may want to take steps to delete CheckRedi from your credit report. Contact our office right away so we can start the process to stop CRK from calling you illegally. Above all, no one should live with harassment!
Credit Report Protection: Safeguarding Your Financial Reputation
Protecting your credit report is essential when facing collection efforts from agencies like CheckRedi of Kentucky. Your credit report is a key part of your financial reputation, and errors or abusive debt collection practices can have long-lasting consequences. Under federal laws such as the Fair Debt Collection Practices Act (FDCPA), debt collectors are required to provide you with a written notice detailing the amount owed and the name of the creditor. If you believe there is a mistake or you are being contacted about a debt you do not owe, you have the right to dispute the alleged debt and request that the collection agency verify it.
The Better Business Bureau (BBB) and other consumer protection organizations recommend that you monitor your credit report regularly. You are entitled to obtain a free credit report from each of the three major credit bureaus—Experian, TransUnion, and Equifax—once every year. Reviewing your credit report helps you spot any incorrect information, such as accounts that do not belong to you or inaccurate payment histories, which could be the result of collection agencies reporting in error.
Complaints Against CheckRedi Of Kentucky
The following is a sample list of complaints filed against CheckRedi Of Kentucky in the past year and can be found on Pacer.gov.
- 🔗 5:17-cv-00323-JMH Giammarco v.
- 🔗 2:16-cv-00040-WCO Laud v.
- 🔗 5:08-cv-00338-JBT Davies v.
- 🔗 2:09-cv-00103-DLB-JGW Allen v.
- 🔗 5:15-cv-00358-KKC Clemons v.
Consumer Rights Law Firm PLLC
Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop the CheckRedi Of Kentucky harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
CheckRedi offers a range of business services including a specialized school program, check verification, electronic check collections, and efficient payment processing platforms. Their mission is to achieve safe and secure transactions for both consumers and businesses.
If you are interested in learning more about how to safeguard yourself and prevent harassment from CheckRedi Of Kentucky call us at (877)700-5790 for immediate assistance or visit our website.
Success Stories
🏆 Was being harassed by a shady debt collector for months, then they stated calling family members harassing them as well non stop called consumer rights law firm was connected with Matthew he did a fantastic job. Was very professional explained the whole process to me and best of all he guaranteed me I’d never pay anything out of pocket. The calls stopped immediately and he was able to get my debt waived. Whole process took less than 10 days 10/10!!! So glad I found this law firm.
🏆 I love this company . I’ve dealt with collection agencies constantly calling me , my parents , my sisters , etc . It had gotten to be too much of a hassle so I did some research and stumbled across Consumer Rights Law firm. That was the best thing to ever happen to me . Matthew was amazing , kept me updated and always gave me hope . This was the best decision ever !!!
🏆 My experience with Consumer Rights Law Firm was exceptional. I contacted them and spoke with Scott after being harassed for months by a collection agency. He explained everything very thoroughly and guaranteed I would not have to pay anything out of pocket. In a short period of time, everything was settled. Finding this law firm was just what I needed to reduce my stress level. Thank you Scott & Consumer Rights Law Firm for everything you did to help me!
Frequently Asked Questions
Who is CheckRedi of Kentucky?
Answer: CheckRedi of Kentucky is a Lexington-based third-party debt collection and payment-processing agency that collects unpaid checks, loans and other debts on behalf of creditors.
Why is CheckRedi of Kentucky calling me?
Answer: They may be calling you because they believe you owe a debt—often unpaid checks or accounts referred to them for collection. It’s important to verify who the original creditor is and whether the debt is valid.
What constitutes phone harassment by CheckRedi of Kentucky?
Answer: Phone harassment may include repeated calls, calls outside of permitted hours (before 8 a.m. or after 9 p.m.), contacting your employer or family members about your debt, or making threats of legal action without basis.
Are robocalls from CheckRedi of Kentucky legal?
Answer: Robocalls may be illegal if you did not give prior written consent. Under the TCPA, automated or prerecorded voice calls to your cell phone may violate your rights.
Can I stop CheckRedi of Kentucky from contacting me?
Answer: Yes. You can send a written cease and desist letter requesting that CheckRedi stop contacting you. Once they receive it, they must generally stop calls except to notify you of limited matters.
What if I don’t owe the debt CheckRedi of Kentucky is calling about?
Answer: If you believe the debt is incorrect or not yours, you have the right under the FDCPA to dispute it in writing within 30 days of the first communication. They must then validate the debt before continuing collection.
Are threats of arrest or wage garnishment by CheckRedi of Kentucky legal?
Answer: No. Debt collectors cannot threaten legal action, wage garnishment or arrest unless they actually intend to do so and have legal basis (such as a court judgment). Threats without intent may violate the FDCPA.
What laws protect me from CheckRedi of Kentucky’s abusive calls?
Answer: You are protected by the FDCPA and the TCPA, among other state laws. These laws limit how collectors may contact you, what they must disclose, and give you rights when they violate your protections.
Can I sue CheckRedi of Kentucky for debt collection harassment?
Answer: Yes. If CheckRedi violates the FDCPA or TCPA, you may be able to sue for statutory damages (up to $1,000 under FDCPA) plus attorney’s fees and actual damages, depending on the case.
How should I document harassment from CheckRedi of Kentucky?
Answer: Keep detailed records: log date/time of calls, save voicemail and texts, keep letters and emails, note what was said, and preserve any proof of damage (stress, lost time, etc.). Documentation strengthens your case.
