CKS Financial on Your Credit Report? Fight Back and Win

Last Updated:
April 17, 2023

Verdict: not a scam. CKS Financial is a legitimate collection agency that operates within the United States. They have been around since 2009, and have an established profile with the Better Business Bureau (BBB) in which they do have a number of complaints filed, but have managed to maintain a B rating. Despite their legitimacy, they have faced criticism from consumers for their collections practices. Unfortunately, this is commonplace for collection agencies.
Many consumers have filed complaints citing the company's aggressive and persistent collection tactics, and claiming that it has crossed over into harassment. Consumers must understand their rights and the restrictions imposed on collection agencies by the Fair Debt Collection Practices Act (FDCPA) in order to proceed with confidence. The FDCPA regulates collection agencies and their actions, prohibiting harassment or abusive behavior – more on the FDCPA later.

It is your right, so be sure to verify the debt’s legitimacy before making any payments or agreeing to a payment plan. Even if you are aware of the debt, you should still request written verification from CKS Financial. If they provide it and the debt is legitimate, you should consider making arrangements to pay it off. However, you definitely have the right to dispute it if it turns out the debt is not valid. Understanding your rights in addition to the collections practices of CKS Financial is crucial in order to deal with this situation effectively.

Who does CKS Financial collect for?

CKS Financial’s role is to recuperate unpaid debts on behalf of a variety of clients, including banks, credit card companies, and additional financial institutions. Despite the fact that these other companies may have written off the debt as a loss – that does not automatically mean the debt cannot be recovered. 

CKS Financial’s role is to step in and attempt to recover the debt; they may do this by persuading you to pay what you owe. Be sure to keep a log of your interactions and any contact with the company.

It is important to understand that CKS Financial is not a direct lender or creditor. Rather, they are a debt collection agency, which means they have no legal authority to offer a settlement or to change the terms of the debt agreement you originally signed in any way. 

With that said, they can take legal action if necessary. It's crucial to understand the restrictions put in place by FDCPA on collection agencies, as this will help you to avoid harassment, and even worse – falling victim to illegal collections practices.

Why is CKS Financial calling me?

CKS Financial is probably calling you because they believe you owe a debt to one of their clients. This could be late or missed payments on a loan, credit card, or other financial obligation. 

It is possible that CKS Financial bought the debt from another company and are trying to recover the money to make a profit. Another common possibility is they have been hired by the original creditor to collect the debt on their behalf.

Regardless of the reason for the call, it's important that you verify the debt before making any payments or agreements. It is your right under the FDCPA to request that CKS Financial provide you with written verification of the debt – make sure this written verification includes the amount owed in addition to the name of the original creditor. 

It may be that you have already paid off the debt, made arrangements to do so, or that your debt has been included in a bankruptcy or debt settlement. If any of the above is true for your specific situation – be sure to provide CKS Financial with any and all documentation that supports your claim.

As you probably understand by now – It’s necessary that you understand your rights as a consumer. Collection agencies like CKS Financial are subject to the restrictions imposed by the FDCPA, which prohibits harassment, abuse, and other unfair collections practices. For example, collection agencies are not allowed to contact you after 9pm or before 8am. And they are not allowed to threaten legal action unless they have the legal right and intend to take such action. So, if CKS Financial is calling you at inappropriate hours or threatening legal action, be sure to take note of it and collect necessary evidence.

How should I navigate the situation with CKS Financial?

Navigating the situation with CKS Financial can be a challenging task – especially if you are not familiar with the collections process and your rights under these circumstances. When dealing with a collection agency like CKS Financial, it's important to stay informed and take the necessary steps to protect those rights.

Once again, be sure that you verify the debt by asking CKS Financial to provide you with verification. This should include the amount owed, the creditor and any other relevant details. If the debt is legitimate, you can resolve it in a number of ways. You can negotiate a payment plan with CKS Financial, make a lump sum payment, or dispute the debt if you believe it's inaccurate or already paid. 

It's important to keep in mind that making any payment – even a partial one – can revive the statute of limitations on the debt and make it collectible again. The statute of limitations is the time frame a debt collector can take legal action to collect a debt – after the time frame, they can no longer do so.

If CKS Financial is harassing you – they may be breaking guidelines listed in the FDCPA. Along with any other debt collector, CKS Financial is prohibited from engaging in certain behavior, such as making repeated or harassing phone calls, using false or misleading information, or threatening legal action they do not intend to take. Navigating the situation with CKS Financial can be a complex process, but it's important to take the necessary steps to protect your rights and resolve your situation.


Have you been the victim of incessant calling from CKS Financial? If so, be sure to understand your rights and the company's collection practices. The FDCPA provides a set of guidelines that collection agencies are obligated to follow – protecting you from abusive practices. While CKS Financial is a legitimate organization and not technically a scam – they are still required to adhere to the FDCPA. Take notes, respect your rights, stay poised during these challenging conversations.

We understand how overwhelming and stressful it can be to receive these types of calls from debt collectors. That’s why our team of experts is here to help you navigate this unfortunate situation and find a resolution that works best for you. If you believe that you are facing harassment or any other unfair collections practices from CKS Financial – please feel free to contact Fair Credit. 

Our purpose is to ensure that you understand your rights and to help you find the best possible outcome for your situation.

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