Mar 8, 2017
CKS FINANCIAL, LLC.
Posted in: http://800notes.com/Phone.aspx/1-757-215-1915
http://800notes.com/Phone.aspx/1-919-439-9567
http://800notes.com/Phone.aspx/1-312-508-5962
http://800notes.com/Phone.aspx/1-775-501-6001
BBB page with an A- rating and 0 complaints (BBB changed their rating from an F to a B+ and now to an A- and removed 43 complaints, wonder how much that cost?): http://www.bbb.org/norfolk/business-reviews/c ... ake-va-90028736
Note that they told the BBB they opened in 2009, but their Bizapedia page says 2011: http://www.bizapedia.com/va/CKS-FINANCIAL-LLC.html
Virginia Dept. Of State info:
CKS Financial, LLC
General
SCC ID: S3681097
Entity Type: Limited Liability Company
Jurisdiction of Formation: VA
Date of Formation/Registration: 6/20/2011
Status: Active
Principal Office
2125 SMITH AVE STE 200
CHESAPEAKE VA23320
Registered Agent/Registered Office
R JOEL ANKNEY
VIRGINIA ENTREPRENEUR LAW OFFICE PC
4669 SOUTH BLVD., SUITE 107
VIRGINIA BEACH VA 23452
VIRGINIA BEACH CITY 228
Status: Active
Effective Date: 11/26/2012
Looks like they were sued a whole lot, so much for the “responsible” debt collection: http://www.law360.com/cases/4f75fb9ce7d4b864ad004037
https://dockets.justia.com/docket/pennsylvania/pamdce/3:2016cv00086/105917
https://dockets.justia.com/docket/colorado/codce/1:2015cv02558/159713
https://dockets.justia.com/docket/virginia/vaedce/4:2015cv00123/333194
https://dockets.justia.com/docket/texas/txndce/4:2015cv00687/264376
https://dockets.justia.com/docket/new-jersey/njdce/1:2015cv03600/319511
https://dockets.justia.com/docket/new-york/nyedce/1:2015cv01561/367864
https://dockets.justia.com/docket/minnesota/mndce/0:2014cv04937/144730
https://dockets.justia.com/docket/california/caedce/1:2014at00897/275495
https://dockets.justia.com/docket/california/cacdce/8:2014cv01611/600918
https://dockets.justia.com/docket/florida/flmdce/3:2013cv00446/283812
https://dockets.justia.com/docket/georgia/gandce/1:2013cv00709/192161
https://dockets.justia.com/docket/indiana/insdce/1:2012cv01670/43252
https://dockets.justia.com/docket/new-york/nyedce/1:2012cv04604/334420
https://dockets.justia.com/docket/new-york/nywdce/1:2012cv00698/90229
https://dockets.justia.com/docket/new-york/nywdce/1:2012cv00671/90107
And looks like they have a new boss: http://hamptonroads.com/2009/07/cdyne-corp-acquires-debt-collection-agency
It is incumbent upon them under the law to prove that the debt exists and that you owe it, and that they have the legal right to collect it. You are not obligated under the law to prove that you don’t owe or that it is paid.
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes. The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.
Read up on your rights here and also make a complaint at this government site: http://www.consumerfinance.gov/
Also file a complaint with your State Attorney General's office.
List of State AG’s offices: http://800notes.com/faq/attorney-general