Collection Experts is a debt collection firm which appears to have received a large amount of complaints alleging violations of the Fair Debt Collection Practices Act. Find out who they are, why they might be calling, and how you can stop them.
July 7, 2021
What is CheckRedi?
CheckRedi is a debt collections agency based in Lexington, KY. It appears as though there are a variety of different complaints against CheckRedi alleging violations of the Fair Debt Collection Practices Act (FDCPA). If you have been contacted by this debt collector, make sure you understand your rights before taking action.
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Is CheckRedi a scam?
They’re legit. CheckRedi should be considered a legitimate business. This collection company’s 17 years of experience alone is enough to reason that the company is not a scam. However, on top of this extensive experience CheckRedi has additionally received BBB accreditation and an “A+” rating from the Better Business Bureau. Due to these factors it is incredibly important that you, as a consumer, take your alleged debt with this collections company seriously and choose to contact the collector in order to resolve any discrepancy.
Additionally, CheckRedi claims to pride themselves on completing one main goal, “to achieve safe, convenient, and efficient payment processing platforms that appeal to both the consumer using the service and the business owner handling the operational responsibilities.” The collections company additionally claims to utilize traditional check collections, electronic check collections, check verification and “school program” within their business. On top of the information this collections company provides on its website, zoominfo.com writes that the company has an employee base of 22 and revenue of $4 million.
According to the BBB and a variety of other sources, many complainants feel that CheckRedi may not have completed their established “goal”, and allegedly violated collectors law in not doing so. Though this company is not a scam, tread lightly and be aware of any potential violations of collector’s law.
Who does CheckRedi collect for?
CheckRedi does not cite on their website which specific area of collections that they specialize in, or what specific companies they work for. Due to this lack of information available on this collections website, it is wisest to confirm which debt is specifically owed and to whom when inquiring about your debt. Due to the outsourcing of debt, inquiring as soon as possible is the smartest move to make because one collection account can turn into many reporting on your credit file if the debt is not dealt with.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. Lemberg Law received an A+ rating from the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
How many complaints are there against CheckRedi?
CheckRedi has a number of complaints posted about their business across the internet. First, on the Better Business Bureau the collections company has received 45 complaints closed in the last 3 years, 13 complaints closed in thelast 12 months, and 6 customer reviews awarding the company 1 star overall. Additionally, on Google Reviews the company has received 18 reviews amounting to a 1.2 star review overall. These complaints alleged that CheckRedi was using unethical collections practices, potentially violating the FDCPA.
CheckRedi has responded to many of these complaints. However, the similarities between these complaints and the angry sentiments of complainants awards this collections company a less than glowing review. More seriously, this collections company could have also been a part of a variety of lawsuits, sanctions, and penalties according to Public Access to Court Electronic Records (“PACER”), which reports all federal complaints within the U.S. federal system’s docket.
Can CheckRedi Sue Me or Garnish My Wages?
Like most collections companies, CheckRedi would likely only choose to sue or garnish wages after a default judgement. This choice is due to the fact that it is illegal for CheckRedi to make empty threats to sue you or garnish your wages. Therefore, a collection company would likely choose not to sue you for a debt you may not owe or they cannot verify, but it is the wisest option to contact an attorney preemptively to ensure the safety of your assets and rights. Lemberg Law awards consumers the power to fight back against these fraudulent collection practices. Need Help? Call us today.
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Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Can you help me file a No Fee Lawsuit against CheckRedi?
Absolutely. You can sue a debt collector. Here is a sample complaint:
A complainant explains that they previously purchased $12 worth of gas at Cumberland Farms. After making this purchase, the complainant received an email saying that the transaction was declined from their bank. Next, the complainant called their bank and the bank said that the complainant did in fact have sufficient funds in their account and the transaction should not have been declined. After receiving this confirmation, the complainant then spoke to CheckRedi, who claimed that they were going to charge the complainant a $35 fee. Because the complainant did not even spend this amount of money, and more seriously because they have proof of the sufficient funds in their account, the complainant believes that this payment is unnecessary. The collections company responded by claiming that they would not waive the fee.
CheckRedi Calling You?
The Fair Debt Collection Practices Act outlines a person’s protections against the abuses and misconduct of collection agencies. If you find that a debt collector may have violated your FDCPA rights, it is important that you contact and attorney to resolve the matter and receive compensation. You can find your FDCPA rights listed on the Federal Trade Commission’s website under, “Debt Collection FAQs”. Remember that in addition to your rights under the FDCPA, you have supplementary rights to protect yourself from fraudulent practices under the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Can I sue CheckRedi for harassment?
Yes, and if you would like to defend your rights and recover your damages you should. Suing is the correct course of action if you have found that your FDCPA rights or TCPA rights have been violated. Federal laws protect citizens like you from these fraudulent practices. Moreover, you should choose to award yourself the ability to defend your rights and receive compensation by suing if you feel as though these rights have been violated. Individuals like you can recover damages of up to $1,000, plus attorney fees and court costs.
Want to Stop CheckRedi Debt Collection Harassment Now?
You may have a case, if…
- You are receiving multiple calls per week from third party collection agencies.
- A collector has called you in the early morning or late night
- You are receiving calls at work from a debt collection agency
- Debt collectors are calling your family, friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- A collection company threatened you with negative credit reporting
- A debt collector attempts to intimidate you
- A collector accused you of criminal conduct
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
What Our Clients are Saying
“Lemberg Law resolved my case and I no longer receive harassing calls, the debt was resolved and I received payment for damages from the harassment. I would definitely suggest using them to help you fight any case you might have. They are friendly, professional and know what they are doing thank you so much…”
“After a few months of frustration with a debt collector, I eventually called Lemberg Law. It was among the best financial decisions I have ever made. Jody and her staff were comprehensive, useful, and above all else powerful. I highly recommend their services and thank them for their continual efforts.”
“My experience with the Lemberg Law team was top-notch. They listened to my concerns, answered every one of my questions with patience and professionalism, and kept me informed about my case every step of the way. I highly recommend Sergei Lemberg and his colleagues for any type of consumer law issue.”
Can You Help Me Delete CheckRedi from My Credit Report?
Yes, we would love to help. Call us today.
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