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How to Beat CKS Financial

Dena Standley | December 14, 2022

Dena Standley
Legal Expert, Paralegal
Dena Standley, BA

Dena Standley is a seasoned paralegal with more than 20 years of experience in legal research and writing, having received a certification as a Legal Assistant/Paralegal from Southern Technical College.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

When you beat CKS Financial ^^

Summary: CKS Financial uses every trick in the book to get you to pay an alleged debt. They may even take you to court to get as much out of your pocket as possible. SoloSuit takes away the stress of collection calls while arming you with the knowledge and documents to defeat CKS, even in court.

Debt collectors and portfolio buyers like CKS Financial are the worst callers for consumers to handle. They are aggressive, persistent, and sometimes abusive in their collection attempts. There is no doubt their efforts can seriously stress you out.

The government has set laws in place to regulate the debt collection industry. These laws can protect you when you feel overwhelmed and intimidated by debt collectors. You can defend yourself by knowing these rights, standing up for yourself in a lawsuit, and forcing creditors to validate any debt against you.

But who is CKS Financial? Is it a legitimate company? And how does it operate? Let's find out.

Is CKS Financial legit, and how does it operate?

CKS Financial, also known as Webcollex LLC, is a small third-party debt collector in Chesapeake, VA. It acquires single accounts or small and large portfolios and tries to collect on them. The company’s motto is to “never pass a chance to evaluate fresh, primary, secondary, or aged portfolios available for purchase.”

The trade name used for this debt collection company is CKS Financial, but the company is technically called Webcollex LLC legally. So if you get contacted by a debt collector claiming they are from either company, understand that it’s one in the same. For the purposes of this article, we will refer to the company as CKS Financial.

Although it may be a surprise when your debt goes to CKS Financial, the company is legitimate. CKS Financial has been in business since 2009. And although the company is not Better Business Bureau (BBB) accredited, the bureau opened a file for it on 8/3/2010 and gave it a B rating.

Here is CKS Financial’s contact information:

Physical address:
505 Independence Pkwy
Chesapeake, VA 23320-5178

Mailing address:
P.O. Box 2856,
Chesapeake, VA 23327-2856

Phone: 800-984-3711
Email: info@cksfin.com

CKS Financial has received lots of complaints

CKS Financial has received more than 75 complaints over the past three years on its BBB complaints page. The Consumer Financial Protection Bureau has also reported more than 270 complaints against CKS Financial in the last ten years.

These complaints involve all manner of consumers' disappointments, including credit reporting errors, failure to validate debt, and reluctance to rectify and delete confirmed identity theft cases.

CKS Financial’s online reviews average 1 star on the BBB, as do Google reviews from 15 customers.

Below is an example of a real complaint against CKS Financial, as listed on:

“After being in contact with CKS Financial through my cell phone and making 2 payments towards my debt, this company violated the FDCPA law and contacted me at my work number when I never gave them permission to do so. I stated on the phone that my cell was the only number to contact me on, however they called my work to try to collect a payment. I would like this investigated please.”

This complaint, along with many others, is a clear violation of federal debt collection laws.

If you’ve experience anything similar, keep fighting for your rights. Do not feel bullied into paying a debt that is not yours. As you sort out the fraud with the relevant authorities, insist that CKS Financial remove the collection from your report. You can dispute it in these steps.

Aside from the ability to dispute the debt, you have other rights.

The FDCPA protects you

The Fair Debt Collection Practices Act (FDCPA) regulations have continuously improved. For example, when congress found that debt collectors were using abusive and unfair practices to collect, they recommended revising the laws to protect consumers better.

Now, debt collectors must play by the rules. If they don’t, you can report them to government agencies such as the FTC and CFPB. You may also bring a lawsuit against any debt collector who refuses to abide by the law.

Below are a few examples of some practices debt collectors cannot do:

  • Harassment and abuse: Debt collectors cannot harass you by threatening violence, publishing the names of alleged debtors, advertising the sale of debts to coerce payment, etc.

  • False or misleading information:A debt collector cannot falsely claim to be affiliated with the United States government. They also must accurately represent the debt's type, amount, and legal status.

  • Unfair practices: A debt collector may not collect any amount, be it interest, fees, or other charges unless the law or the agreement creating the debt expressly authorizes it. They must prove what and why they ask you to pay a specific amount.

You can read a simple breakdown of your FDCPA rights in this SoloSuit article.

Use a Debt Validation Letter to prevent a lawsuit

Did you know you can stop collection calls by sending CKS Financial a Debt Validation Letter? When any debt collector contacts you, respond by asking them to validate all the account details. The company has 30 days after receiving your letter to either provide documentation or stop collection attempts.

The letter differs from the written verification they should send you within five days of contact. This document asks CKS Financial to report the debt as disputed and provide proof that the debt is yours.

It’s easy to draft a Debt Validation Letter with SoloSuit's help. All you have to do is respond to a few questions about your debt situation, and our software will generate a customized letter for you. Our letter also references the FDCPA, showing CKS Financial you know your rights. It takes minutes to create.

Below is an example.

Example: Devone started receiving collection calls from a debt collector she did not recognize. For a while, she ignored those calls until she checked her credit report and noticed the collection account. She used SoloSuit's Debt Validation Letter to request proof of ownership. The collector removed her account from collections and marked it as paid. The credit reporting bureaus deleted the error, and Devone's credit rose again. It turns out the debt collector had acquired her account as part of an extensive portfolio. But instead of deleting her fully-paid debt, they erroneously kept trying to make her pay again.


Start your Debt Validation Letter.

To learn more about how a Debt Validation Letter can help you beat CKS Financial, watch this video:

Beat CKS Financial in court

Sometimes debt collectors sue consumers for unpaid debt. When this happens, they file a Summons and Complaint with the court and deliver it to you. The Summons notifies you of the lawsuit and outlines future court dates, while the Complaint (also known as a Petition in some states) lists the specific claims against you.

CKS Financial hopes that you ignore the Summons and Complaint so they can obtain a default judgment against you.

With a default judgment granted, CKS Financial may be able to garnish your wages, seize your property, and freeze your bank account. You can prevent a default judgment. Here’s how.

Defending yourself against CKS Financial in court starts when you receive the Summons. You have a limited time to file your Answer with the court, typically 14-35 days, depending on where you live.

Answering a debt collection lawsuit Summons requires only three easy steps.

  1. Respond to each claim in the Complaint document. To answer each claim, state whether you admit, deny, or deny due to lack of knowledge. Most attorneys recommend denying as many claims as possible, forcing CKS Financial to prove each one with substantial documentation and evidence.

  2. Assert your affirmative defenses. You should explain the reasons you should be held liable for the debt. Common defenses are CKS Financial lacking the legal right to sue you or the debt being too old (past the statute of limitations). Check out our guide on affirmative defenses to learn more.

  3. File a timely Answer at the court. Although the first two steps may seem tasking, filing the Answer is perhaps the most important step. You should also send a copy of it to CKS Financial’s lawyer. Send everything via USPS certified mail with a return receipt requested. Just make sure to file your Answer before your state’s deadline.

Check out this video to learn more about these three steps:

Only after filing an Answer can you take additional steps, such as offering a Debt Settlement Agreement or using the Arbitration clause to force the lawsuit out of court.

Whatever your dilemma with a debt collector is, SoloSuit has the solution. Start with the Debt Validation Letter early to stop the calls and prevent lawsuits.

Even with a lawsuit, it is still possible to beat CKS Financial. Use our Answer to respond to the Summons fast and effectively.

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

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