Are You Being Called By CheckRedi of Kentucky, LLC?*

Debt collectors will go to disturbing lengths to collect the money you owe. They will call you at work to embarrass you in front of your colleagues, leave profane messages on your voicemail, and threaten to get a judgment against you.

Don’t let them get away with it: these actions are illegal and there are remedies you can pursue.

Your Rights Under the FDCPA

Under the Fair Debt Collections Practices Act (FDCPA), third-party debt collectors must be fair and ethical in all interactions with consumers. Actions like the following can incur sanctions from the Federal Trade Commission and other regulatory bodies.

• Demanding payment for an amount larger than what you owe
• Using profane or obscene language
• Calling you at work when your supervisor does not allow it
• Threatening to send you to jail
• Reporting false information to the credit bureaus
• Refusing to validate a debt

Company Profile: CheckRedi of Kentucky, LLC

If you are being called by CheckRedi of Kentucky, LLC, we have provided a short company overview below.

CheckRedi of Kentucky, LLC is an electronic payment processing and debt collection agency located in Lexington, Kentucky. It was founded in 2004, has around 14 employees, and is managed by its President, William C. Rock.

According to information viewable at the PACER website, consumers who believed they were being harassed by CheckRedi of Kentucky, LLC take advantage of the legal remedies open to them.

Alleged Violations against CheckRedi of Kentucky, LLC

According to PACER, on or about June 30 and July 3, 2014, CheckRedi of Kentucky, LLC allegedly made unauthorized withdrawals from a consumer’s bank account in an attempt to collect a debt, which caused her to incur overdraft fees totaling $140.00.

She later claimed that she never provided her bank account information to the company and never provided her consent to withdraw money from her account.

She also alleged that on or about August 6, 2014, CheckRedi of Kentucky, LLC left a voicemail that failed to identify it as a debt collector and failed to send her written correspondence regarding her right to dispute the Debt.

Feeling harassed by CheckRedi of Kentucky, LLC, the consumer sued the agency for allegedly violating her rights under the FDCPA by:

• Using harassing and abusive means to collect a debt
• Failing to identify itself as a debt collector in all communicationst
• Using false, deceptive, and misleading means to collect a debtt
• Using unfair and unconscionable means to collect a debtt

The matter was later settled.

Hire a Consumer Lawyer

The phone numbers for CheckRedi of Kentucky, LLC are:

• 1-800-239-1222
• 1-859-967-7334

If they appear on your caller ID, it means that CheckRedi of Kentucky, LLC is trying to reach you. If the company withdraws money from your account without your permission and calls you without properly identifying itself as a debt collector, hire a consumer lawyer immediately.

If you file a claim against CheckRedi of Kentucky, LLC, you could receive $1,000 per FDCPA violation, so when a collection agency helps itself to your money, it could end up owing you even more.

Additional Resources

• Have Your FDCPA Rights Been Violated?
• What Are Damages in an FDCPA Claim?

Case taken from PACER (pacer.gov). File number is Case 1:14-cv-01265-TJM-CFH from the United States District Court for the Northern District of New York.

*Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against CheckRedi of Kentucky, LLC or any other third-party collection agency, you may not be entitled to any compensation.