Check Into Cash

Creditors like Check Into Cash cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all.

THE BEST PART IS…

If Check Into Cash violated the law, you may be entitled to money damages and Check Into Cash will pay our fees and costs. You won’t owe us a dime for our services. Plus, some of our clients also receive debt relief and cleaned-up credit reports. You have nothing to lose! Call us today at 888-572-0176 for a free consultation.

Who is Check Into Cash?

Check Into Cash is a payday loan/cash advance service based in Cleveland, Tennessee. Founded in 1993, it has been accredited by the Better Business Bureau (BBB) since 2000.

Check Into Cash maintains more than 1,100 locations in 30 states also offers check-cashing, title loans, Western Union money transfers, and reloadable prepaid debit cards. Its founder, William Allan Jones, Jr., is known as the “father of the payday loan industry.”

Check Into Cash’s Address, Phone Number, and Contact Information

Check Into Cash is located at 201 Keith St SW, Ste 80, Cleveland, TN 37311-5867. The BBB-listed telephone number is 423-479-2400 and the main website is http://checkintocash.com/

Phone Numbers Used by Check Into Cash

Like many creditors, Check Into Cash may use many different phone numbers to contact debtors. Here are additional numbers Check Into Cash may be calling you from:

Check Into Cash Lawsuits

If you want to know just how unhappy consumers are with Check Into Cash, take a look at the number of complaints consumers have made online. Nowadays, most original creditors, credit card companies, etc. have arbitration clauses, which means that if you have a complaint against that company, you must file your claim in arbitration. Arbitration limits discovery, is not public, has a limited appellate process, and, most importantly, is funded primarily by the banks and big businesses. While it can be difficult to get a fair chance in arbitration, the good news is we have filed hundreds of credit harassment cases in arbitration, and we know how to aggressively fight these cases against the big banks and businesses even when arbitration is necessary.

Check Into Cash Complaints

The Telephone Consumer Protection Act (TCPA) protects you from robocalls, which are those annoying, automated, recorded calls that computers make all day long. You can tell it’s a robocall because either no one responds on the other end of the line, or there is a delay when you pick up the phone before a live person responds. You can receive $500 per call if Check Into Cash violates the TCPA. Have you received a message from this agency that sounds pre-recorded or cut-off at the beginning or end? These are tell-tale signs that the message is pre-recorded, and if you have these messages on your cell phone, you may have a TCPA case against the agency.

The Electronic Fund Transfer Act (EFTA) protects electronic payments that are deducted from bank accounts. If Check Into Cash took unauthorized deductions from your bank account, you may have an EFTA claim against the agency. Check Into Cash, like most collection agencies, wants to set up recurring payments from consumers; imagine how much money it can earn if hundreds, even thousands, of consumers electronically pay them $50 - $100 or more per month. If you agreed to this type of reoccurring payment, the agency must follow certain steps to comply with the EFTA. Did Check Into Cash continue to take electronic payments after you told them to stop? Did they take more money from your checking account than you agreed to?  If so, we can discuss your rights and potential case under the EFTA.

The Fair Credit Reporting Act (FCRA) works to ensure that no information reported to your credit report is false. In essence, it gives you the right to dispute those inaccuracies that you find on your credit report. We’ve handled many cases in which a debt collection agency reported debt on a consumer’s credit report to obtain leverage over the consumer. If Check Into Cash is on your credit report, they may tell you that they’ll remove the debt from your credit report if you pay it; this is commonly known as “pay for delete.” If the original creditor is on your report rather than the debt collector, and you pay off the debt, both entities should accurately report this on your credit report. 

Several states also have laws to provide their citizens an additional layer of protection. For example, if you live in California, Florida, Michigan, Montana, North Carolina, Pennsylvania, Texas, or Wisconsin, you may be able to add a state-law claim to your federal law claim above.  North Carolina, for example, has one of the most consumer-friendly statutes in the country: if you live in NC and are harassed over a debt, you may receive $500 - $4,000 in damages per violation. We work with a local counsel in NC and our NC clients have received some great results in debt collection harassment cases. If you live in North Carolina and are being harassed by a debt collector, you have the leverage to obtain a great settlement.

How do we Use the Law to Help You?

We will use state and federal laws to immediately stop Check Into Cash’s debt collection. We will send a cease-and-desist letter to stop the harassment today, and if Check Into Cash violates the FDCPA, EFTA, FCRA, or any state law, you may be entitled to money damages. For example, under the FDCPA, you may receive up to $1,000 in damages plus actual damages. The FDCPA also has a fee-shift provision, which means the debt collector will pay your attorneys’ fees and costs. If you have a TCPA case against the agency, we will handle it based on a contingency fee and you won’t pay us a dime unless you win.

THAT’S NOT ALL…

We have helped thousands of consumers stop phone calls.  We know how to stop the harassment and get you money damages. Once again: you will not pay us a dime for our services. We will help you based on a fee-shift provision and/or contingency fee, and the debt collector will pay your attorneys’ fees and costs.

What if Check Into Cash is on My Credit Report?

Based on our experience, some debt collectors may credit-report, which means one may mark your credit report with the debt they are trying to collect. In addition to or instead of the debt collector, the original creditor may also be on your credit report in a separate entry, and it’s important to properly identify these entities because you will want both to update your credit report if or when you pay off the debt. 

THE GOOD NEWS IS…

If Check Into Cash is on your credit report, we can help you dispute it. Mistakes on your credit report can be very costly: along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or even being a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute it, and my office will help you obtain your credit report and dispute any inaccurate information.

REMEMBER…

If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (FCRA), you may be entitled to statutory damages up to $1,000, and the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision, which means the credit reporting agency will pay your attorneys’ fees and costs. You won’t owe us a dime for our services. We have helped hundreds of consumers fix inaccurate information on their credit reports, and we’re ready to help you, too.

What Our Clients Say About Us

Agruss Law Firm, LLC, has over 950 outstanding client reviews through Yotpo, an A+ BBB rating, and over 130 five-star reviews on Google. Here’s what some of our clients have to say about us:

“Michael Agruss handled two settlements for me with great results and he handled them quickly. He also settled my sister’s case quickly and now her debt is clear. I highly recommend Michael.”

“Agruss Law Firm was very helpful, they helped me solved my case regarding the unwanted calls. I would highly recommend them. Thank you very much Mike Agruss!”

“Agruss Law Firm was very helpful to me and my veteran father! We were harassed daily and even called names for a loan that was worthless! Agruss stepped in and not only did they stop harassing, they stopped calling altogether!! He even settled it so I was paid back for the problems they caused!”

Can Check Into Cash Sue Me?

Yes, Check Into Cash can sue you. Check Into Cash can hire a lawyer to file a breach of contract lawsuit against you for the underlying debt, fees, and costs. If you’ve been sued by Check Into Cash, do not ignore the lawsuit; you may have defenses. If you ignore the lawsuit, the default will be entered and the agency may seek to garnish your wages. If you receive notice of a lawsuit, contact an experienced attorney as soon as possible, even if you intend to represent yourself pro se. If Check Into Cash has threatened to sue you, contact Agruss Law Firm as soon as possible; we’re here to help.

Can Check Into Cash Garnish My Wages?

Yes, if Check Into Cash has a judgment entered against you. If Check Into Cash is currently garnishing your wages or threatening to do so, contact our office as soon as possible.

Check Into Cash Settlement

If you want to settle a debt with Check Into Cash, ask yourself these questions first:

  1. Do I really owe this debt?
  2. Is this debt within the statute of limitations?
  3. Is this debt on my credit report?
  4. If I pay this debt, will Check Into Cash remove it from my credit report?
  5. If I pay this debt, will the third-party debt collector remove it from my credit report?
  6. If I pay this debt, will I receive written confirmation from Check Into Cash confirming the payment and settlement terms?

These are not the only things to consider when dealing with debt collectors. We are here to help you answer the questions above, and much more. Whether it’s harassment, settlement, pay-for-delete, or any other legal issue with Check Into Cash, we at Agruss Law Firm are here to help you.

Top Debt Collection Violations

Debt collection laws provided a laundry list of what collectors can and cannot do while collecting a debt. Based on our years of experience handling thousands of debt collection harassment cases, here’s what collection agencies most often to do to violate the law. 

  1. Called you about a debt you do not owe.
  2. Called you at work after you told them you cannot receive calls at work.
  3. Left you a message without identifying the company’s name.
  4. Left you a message without disclosing that the call is from a debt collector.
  5. Called third parties (family, friends, coworkers, or neighbors) even though the collection agency knows your contact information.
  6. Disclosed to a third party (family, friends, coworkers, or neighbors) that you owe a debt.
  7. Contacted you after you said stop calling.
  8. Threatened you with legal action (such as a lawsuit or wage garnishment).
  9. Called you before 8:00 AM or after 9:00 PM.
  10. Continued to call you after you have told the collector you cannot pay the debt.
  11. Communicated (phone or letter) with you after you filed for bankruptcy.
  12. Failed to mark the debt on your credit report as disputed after you disputed the debt.

Frequently Asked Questions

  1. Do I have to pay your fees and costs for helping me with my consumer rights case? No. We handle consumer rights cases based on a fee-shift provision and/or a contingency fee. That means either the other side pays your fees and costs, or we take a percentage of your recovery. Whether it’s a fee-shift case or a contingency-fee case, we don’t get paid unless you get paid, and you’ll never owe us a penny for our time.

  2. What are the damages under the Telephone Consumer Protection Act? You can get $500 per robocall, or $1,500 per robocall if the robocalls were willful. In any type of settlement, oftentimes Defendants pay much less than $500 per call. However, if there are 50 calls at issue, even at $250 per call, your case could settle for $12,500.00.

  3. Are there state laws that protect me from original creditors? Yes! Several states also have laws that provide their citizens with an additional layer of protection. For example, if you live in California, Connecticut, Florida, Kansas, Massachusetts, Michigan, Missouri, Montana, North Carolina, Nevada, Oklahoma, Pennsylvania, Texas, and Wisconsin, you have additional state-law rights.

  4. What type of debt is covered under state laws that protect me from original creditors? Only consumer debt, such as personal, family, and household debts. For example, the money you owe on a personal credit card, an auto loan, a medical bill, or a utility bill. State laws usually do not cover debts you incurred to run a business, or debts regarding unpaid taxes, or traffic tickets.

  5. Does the Fair Debt Collection Practices Act apply to banks or credit card companies? No. Only third-party debt collectors are bound by the FDCPA. That is, original creditors, such as credit card companies and banks, are not bound by the FDCPA.

  6. Are mistakes on credit reports common? Yes! Are you one of the 40 million Americans that have a mistake on their credit report? Mistakes on your credit report can be very costly. Along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or maybe you were a victim of identity theft.

  7. What do I do if I have a mistake on my credit report? If you have a mistake on your credit report, there is a process to dispute them. My office will help you pull your credit report and dispute any inaccurate information. If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (“FCRA”), you may be entitled to statutory damages up to $1,000.00, plus the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision. This means the credit reporting agency pays your attorney’s fees and costs. Therefore, you will not pay me a penny for my time. To speed up the process, please get a free copy of your credit report at www.annualcreditreport.com. You can also learn more about the FCRA and your rights at http://www.agrussconsumerlaw.com/practices/common-credit-report-errors/.

Share Your Complaints Against Check Into Cash Below

We encourage you to post your complaints about Check Into Cash. Sharing your complaints against this agency can help other consumers understand what to do when this company starts calling. Sharing your experience may help someone else!

HERE’S THE DEAL!

If you are being harassed by Check Into Cash over a debt, you may be entitled to money damages – up to $1,000 for harassment, and $500 - $1,500 for illegal robocalls. Under state and federal laws, we will help you based on a fee-shift provision and/or contingency fee, which means the debt collector pays your attorneys’ fees and costs. You won’t owe us a dime for our services. We have settled thousands of debt collection harassment cases, and we’re prepared to help you, too. Contact Agruss Law Firm at 888-572-0176 to stop the harassment once and for all.

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Submitted Comments

I received several rude, unpleasant, unprofessional, aggressive phone calls from one of your establishments here in Memphis. There was also a threat made towards my vehicle by management. I want to also enlightened you that I am current on all payments and have not missed one payment. I made two payments , both on scheduled times. My first payment I applied towards my payment was more than the required payment. I started receiving threatening phone calls three days before my first scheduled payment. Let me mind you, this is my first loan with your company and to get treated the way I have been since I applied for this loan is unexceptable . I also requested a copy of my scheduled payment dates and was refused a copy by management and staff on hand at the previous time when requested. The manager called my home on 05/27/22 and was very rude. This is the third day of that week that I received a call from this establishment . My paperwork was also mishandled. I gave them paperwork showing and stating that I pet paid twice a month, they are telling me my paperwork show every two weeks. I recently provided them with the same paperwork I presented to them when I first applied for the loan.

Michael Agruss Headshot

Hi Vivian. I'm sorry to hear that you are dealing with rude behavior from Check Into Cash. Other consumers speak of the same type of behavior you've been dealing with from Check Into Cash, including frequent, harassing phone calls, mishandled paperwork, and complete frustration. Fortunately, I have helped others like you to get this resolved and I'd be happy to speak with you to determine your best course of action. I will be in touch to discuss how, but always feel free to contact me at 888 572 0176 if you would like to speak sooner. Thanks, Mike

Check into cash has filed a suit against me. I want to pay them back but cannot for a couple weeks.

Michael Agruss Headshot

Hi Jessica. If you have the legal paperwork you were served from Check-into-Cash, can you please send it over to my office at [email protected]? I will look it over and give you a call about your next steps and possible options. Thanks, Mike

Borrowed 1200 on a title loan in 2018. Paid 400 of it within 2wks i lost my job and couldn't pay remainder so i sold some property then sent them a 3000$ dollar check. And never got a reply or any info. And in dec of 20' my car was repo,ed . For 501$ they claim i owed them the car brought 1900 when They sold it on feb 1st i received a letter feb 16 saying that the surplus was $1313. An a ck was enclosed.which lt wasn't i called them in tenn . And they told me theyd sent me the check in 4wks. They are the scum of the earth, greedy bastsrds!!!

Michael Agruss Headshot

Hi Chris. It sounds like you're getting the runaround from Check into Cash and I can understand your frustration. Please give my office a call at 312-224-4695 so we can determine what options you might have. Thanks, Mike

Borrowed 1200 on a title loan in 2018. Paid 400 of it within 2wks i lost my job and couldn't pay remainder so i sold some property then sent them a 3000$ dollar check. And never got a reply or any info. And in dec of 20' my car was repo,ed . For 501$ they claim i owed them the car brought 1900 when They sold it on feb 1st i received a letter feb 16 saying that the surplus was $1313. An a ck was enclosed.which lt wasn't i called them in tenn . And they told me theyd sent me the check in 4wks. They are the scum of the earth, greedy bastsrds!!!