Cheadle Law Firm CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
02/18/2020	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	TN 37072	Web
This is hopefully one of the final complaints against Cheadle Law firm but they may continue if I do not receive a detailed statement that I'm requesting below. The court date is tomorrow regarding my dispute of attorney 's fees, not the original debt. I have tried many times to reach out to XXXX XXXX and was turned down many times when I tried to make payment arrangements, when I filed the original complaint in XXXX 2019. Since then, I have reached out many times, even before I received the lawyers letter on XXXX XXXX, 2019, dated XXXX XXXX, 2019 which was OVER a week later, giving me even less time to respond, as the law allows. This law firm has been shady in their tactics, non-communicative, non-workable and dishonest. I have reported them to the TN attorney general, TN bar association on two complaints and many complaints on this website. I have only filed these complaints on here due to their lack of communication and dishonesty and lack of trust and being a honest law firm. With this judgment, I am still going to fight this attorney and their gouging fees, as I tried to handle this situation even before it got to their office with no luck from their client. I request and demand a detailed copy of attorney fees from this attorney, not just a line item that says " attorney 's fees. '' The only reason these fees could increase is due to responding on here and them charging me even more to send a one or two sentence response. EACH line item should have the date, what the item was for, how many hours it took them, and what their normal hourly rate is. I HAVE A RIGHT TO THIS INFORMATION whether you like it or not and will keep pursuing complaints until I receive this information. Please upload this information to this complaint so I can download it and review it. What's going to happen since I'll be working when the court date is in session and I can't find another two-bit lying lawyer like you to represent me due to just a small case amount, is you will receive a default judgment against me as I can not be there to defend myself. I am positive the judge would have seen it my way, with as much paperwork trail as I have against your firm. Also, what is going to happen is that my employer will terminate me once that judgment comes through. You " may '' get a couple hundred dollars off my final check then I will be out of work for a few months, then you'll have to find me again, resubmit the paperwork, then I'll get terminated again. This will happen many, many times and that will give me enough time and try to stop this dishonest attorney from continuing. Just because you get a default judgment, it is NOT over. Also, if you think you are going to charge me and rack up additional attorney fees while looking for my new employer, you think I'm XXXX now, you try that. If you, in any way, produce third party disclosure or unlawful tactics to do this, I will put a stop to it immediately. Unfortunately, that will be at your own expense if you want any money. Wouldn't it have been much easier to let me make payment arrangements, even before you received my file on your dishonest desk? The balance was not high and I could have paid this off by now if you would have not been so deceitful and let me make some kind of payment arrangement with you. Again, the crux of my complaints are that you did not give me the required 30 days. All the complaints I have filed prove a paper trail that's undeniable in your actions. Your complaints are PERMANENT, whereas this judgement will go away in due time. These are on your PERMANENT law record. Hopefully, you will get enough complaints that one day your license will be revoked. You are deceitful, dishonest, and have under zero integrity. I'm not understanding how you have survived this far, as you appear to have hundreds of complaints of straight out stealing money from clients and being thieves while doing it. I'm assuming that one day God will notice your horrible actions and deceitful ways and take care of you in some way that teaches you a lesson of how to be better people and be more honest. If you would have done things right, the LEGAL way, I would not have filed any complaints against you and I'm assuming nobody else would have either. CFPB, you did NOTHING to help with this shady and unethical law firm. Congratulations..you may have as well not existed. I'm not a XXXX and I can't stand XXXX XXXX but I think she needs to disband your organization. You were ZERO help, and this didn't do anything but document what was happening in a legal way. XXXX XXXX and XXXX XXXX ... Good luck with going the way you're going..I can't assume it will take you through life in a good way. I am in NO WAY threatening anyone, other than with attorney 's coming after you for possibly years of lost pay due to falsification of responses, gouging or existing attorney 's fees, and employment termination to name just a few, from this judgment. The only way I could get you to respond was why I am filing complaints and when you did you falsified your testimony o this website. I am also updating the complaints at the attorney general 's office as well as the bar association with this exact wording to place in your permanent law file at these offices. I will again then update them, based on the total amount and unlawful fees they are adding once the final judgment comes through. Again eventually this judgment will pass, however your attorney files have been permanently tainted at these law offices, who are supposed to reside over your lawlessness.
09/25/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TN 37172	Web
To Whom It May Concern ; I am contacting you regarding my complaint against Cheadle Law in XXXX, Tennessee. In their handling of obtaining a debt on behalf of their client XXXX XXXX ( dba XXXX XXXX ), I believe Cheadle Law has violated the Fair Debt Collection Practices Act pertaining to at least two clauses : 1 ) Misrepresentation or deceit and 2 ) Seeking unjustified amounts by adding arbitrary upfront legal fees without proof or willingness to justify the amount. Cheadle Law Firm represents XXXX XXXX, a lender that offers Flex loans at 24 % but with customary fees added in for a total 296 %. I offered to settle directly with XXXX XXXX because after nearly a year of making approximately {$700.00} payments every month ( deducted directly from my checking account ), less than {$100.00} was going to the principal. This loan was taken out during XXXX-2017 and my payments were made on time. At one point, I owed more than I borrowed. I contacted XXXX XXXX XXXX XXXX and worked with a counselor who recommended I stop paying on the loan. The goal was to have the loan reach a default status so a more realistic settlement/payment arrangement could be made. Had I not done this, I would still be paying off a $ 2-3,000 loan that had already accrued at the time more than {$10000.00} in interest and fees ; I would have never been rid of this loan which still continues to haunt me. I received a letter from Cheadle Law dated XX/XX/2017 stating they were collecting a debt on behalf of XXXX XXXX ( dba XXXX XXXX ). In addition to the amount owed stated by Cheadle as {$5400.00}, they added in additional attorney fees of {$1800.00}. There was no summary included to justify their exorbitant fees. On XX/XX/2017 my XXXX XXXX XXXX counselor wrote a letter on my behalf requesting a breakdown of Cheadle Laws fees. In response, Cheadle sent a letter dated XX/XX/2017 stating We decline to respond to your letter in the format you request, but your obligation to the creditor has been verified with an overview of my payments to XXXX XXXX which was not accurate. My question is how can Cheadle add arbitrary fees without finding it necessary to provide a summary? They are using their position as lawyers as intimidation. My second question is what if Cheadle applied atotal of {$50000.00} in legal fees ; according to their response the implication is I would be responsible for this because they simply added it to their letter. Ultimately my case went before a judge. The XXXX XXXX XXXX referred me to a lawyer who suggested that I take the deal Cheadle offered which was to pay {$100.00} per month at no interest until the full loan ( including Cheadles fees ) was paid in full. If I didnt take the deal, I was told by this lawyer that Cheadle would seek repayment with full interest and fees. This scenario would only have led to me filing for bankruptcy and/or force me to lose my home. I felt forced into accepting the deal, but after a few days and a conversation with my XXXX XXXX XXXX counselor I decided to appeal the case. Their referred lawyer dropped me as a client, and put me in a situation where I needed to obtain a new lawyer. I ultimately lost the case because during lawyers I missed an opportunity to file a necessary motion. Then the added fees from Cheadle became fair and just during the appeal process. It is also worth noting that at a time when I had no legal representation, I spoke with XXXX XXXX XXXX on Thursday, XX/XX/2017 in attempt to get something in writing so I could start a payment plan. Even as I attempted to make good on this loan, she told me verbally over the phone she owed me nothing in writing. I told her this was ridiculous because I dont shop at a supermarket without knowing the price of things before handing over my money. She ended the call saying she would get me something in writing the next day, but that information has never materialized. I am now in a payment arrangement with Cheadle. Because of the attempted appeal process, I lost the opportunity at 0 % interest and now make monthly payments with 6 % interest. Had Cheadle had their way in court, it would have been 24 % but that was halted because I began making payments and the second lawyer was more beneficial than the first. I realize I was at fault for ever taking a loan from XXXX XXXX, but Cheadles practice of arbitrarily adding fees without an explanation to an already outrageous debt from a predatory lender does not feel like it should be legal let alone conscionable. At one point, their website featured a picture of the firms private jet which was obviously obtained by taking advantage of folks in my situation. Last week as I was writing out another check to Cheadle, I looked up their address online and noticed their reviews. I am not the only consumer with this type of complaint against Cheadle regarding exorbitant upfront lawyer fees, also without an explanation of their added costs. Their fees that they included on their first letter to me were accrued by filling in a form letter and placing it in a stamped envelope which surely, in my case, did not amount to {$1800.00} in costs. Please hold this firm accountable for unfair practices. Sincerely, XXXX XXXX
06/07/2021	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TN 37076	Web
I was served a civil warrant on XX/XX/XXXX between XXXX - XXXX while I was sleeping. I work nightshift at my job ( 15 USC 1962c ( 1 ) the debt collector assumed that it was a convenient time to communicate with me when in fact it was not. The warrant is stated to be a civil action brought by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It states that it is for suit on a sworn account for a flex loan agreement it states several dollar amounts due, and other amounts including lawyer fees, court fees, and private process server fees ( 15 USC 1692b ( 2 ). It states at the bottom that " This is an attempt to collect a debt, and any information obtained will be used for that purpose. This communication is from a debt collector '' ( 15 USC 1692b ( 2 ). It has an attorneys information on it which lead me to believe this is a debt collector ( 15 USC 1692e ( 3 ). It is the first initial communication that I have received from the debt collector ( 15 USC 1692g ( d ) and it has nothing stating that I have a specific amount of time to answer or dispute the alleged debt, just a court date. The civil warrant came served to me exposed, no envelope with my information open to anybody who touched it to see, I have no idea how many people touched it before it made its way to me ( 15 USC 1692b ( 4 ). Our court date was dated for XX/XX/XXXX. I showed up to court at XXXX so that the debt collector did not receive a default judgement against me. At XXXX XX/XX/XXXX after the court acknowledged my presence, the opposing lawyers ( debt collectors ) asked the defendants that were there for a case vs. them to meet with them in the lobby of the courthouse. I've never been sued before but this seemed to be outside of normal procedure. At this point my name was called by one of the attorneys and she preceded to ask for my drivers license to verify my information and asked me if the address on my license was my current address, my answer was " yes ''. Then the lawyer asked me about the amount of my rent and at this point I told her " I'm not sure I understand what you would need that information for '' and she asked me if I disputed the debt. I told her " yes the debt is an allegation, and I dispute it ''. The primary lawyer was standing behind me and her and told me " They would charge me more court costs '' ( 15 USC 1692d ( 2 ). I'm not sure if this was an attempt to coerce me into paying the debt but it sure felt like it. I asked the lawyers what I needed to do as far as having a record that I disputed the debt with them and I was told I had to do nothing, just show up next Wednesday at the same time which will be XX/XX/XXXX at XXXX. I was under the impression that I didn't have a choice on when to schedule the court date. This would obviously be a problem if I don't have the information I requested of them in writing yet. On XX/XX/XXXX I drafted up a cease and desist, and debt validation letter to ask the debt collector in writing for more information about the original creditor and for all information regarding the account. These letters were sent via us postal service with a return receipt. They were signed for on XX/XX/XXXX at XXXX XXXX by XXXX XXXX. They will be attached below. I would also like to mention that if I did have a contract with the original creditor, I have no contract with any third parties. The original creditor did not have my expressed consent to share my information with any third parties ( 15 USC 1692 ( a ). I have referenced every violation I feel to the best of my knowledge the debt collector has committed against me, especially in regards to privacy. Today XX/XX/XXXX at XXXX I have sent an Affidavit of Truth signed and notarized, and an Invoice for damages payable via Check by mail.
02/09/2020	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	TN 37072	Web
I am going to cut / paste their latest response and break it down. You are attorney 's and don't seem to understand math : " The date of the initial communication was XX/XX/XXXX. The initial scheduled court date is XX/XX/XXXX. This is clearly more than 60 days from the validation notice. 3. There is simply no requirement that suit be delayed more than 30 days from the initial validation notice. The debtor merely has 30 days to dispute the validity of the debt and request verification. '' It doesn't matter if the court date is 5,231 days after the initial letter. Your previous responses, including the one yesterday specifically states : " The debtor merely has 30 days to dispute the validity of the debt and request verification '' Again, as I've said before, this law firm DID NOT afford me the entire 30 days to dispute this debt or contact them. They gave me 23 days ( from the date of the letter, not actually when I received it 8 days later ) and on the 24th day they filed a lawsuit in XXXX County. They robbed me of 7-8 full days to respond as required by their LEGAL signed letter as well as the law allows. I was robbed and not given that legal amount of time to respond as they filed early. In fact, I responded after I received their letter on XX/XX/XXXX through CFPB to dispute this debt with no response from them or their shady client ( XXXX XXXX XXXX ). Technically, since I didn't even receive their letter until XX/XX/XXXX I should have legally had until XX/XX/XXXX or later to respond. This date is proven by USPS Informed Delivery. I didn't receive this letter until 8 days later, 8 days past the date of the letter. It doesn't matter how you want to twist and turn the way you are trying to spin it ; the math comes out the same every time. YOU FILED 7-8 DAYS EARLY AND DID NOT AFFORD ME THE TIME TO RESPOND REQUIRED BY YOUR LETTER AND THE LAW. I'm not sure how more CLEAR I could be. This law firm thinks they are in the legal right to do what they did, however I have been told that their letter is a legal document and the letter even says I have 30 days. It does NOT say 23 days, it says 30. The law also allows me to dispute a debt within 30 days. The law does not say 23 days then we're filing a suit, it says 30, which I WAS NOT AFFORDED. CFPB : Please do something about my complaint instead of letting them respond with XXXX non-relevant information regarding my case then closing it like everyone has moved on. I am not letting this go.
06/18/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TN 37128	Web
To whom it may concern, I am concern i am contacting you regarding my complaint against Cheadle law ( XXXX XXXX ) Tennessee. They are handling a case with American financial. I borrowed a loan back in XXXX while leaving in XXXX Tennessee. It was a high loan .I don't remember how it was but i know it wasn't a XXXX loan that XXXX XXXX trying charge me i told one of the represent trying make payment plan and she was very mean and rude. I ask her how much the loan i borrowed and she said XXXX. the interest rate was XXXX and court cost lead up to XXXX. That was my total to pay ..I told her no one try to get intouch with me and she said they don't have to get InTouch to send you to court but i can make a pay arrangement. I don't remember borrowing that much money and i know American financial sold the account and these people are scaming to get over XXXX dollars from me. This is outrage .they are adding unjustified amount to problem XXXX account are less. They are adding these fees with out any proof of the actual amount that was sent to them. That loan was taking out in XXXX i was making my payment on time i just had lost my job and my phone service and i had to move so i got in a bad debt. But still doesn't mean because i mess up that i have pay extra XXXX or more for it, then i try to make payment arrange with this law firm and still charging outstanding fees. the lady was rude and aggressive and hung up the phone. Not good customer services. My question is how problem XXXX loan or less and come out to be XXXX.They are get over and using they lawyers as intimidation. please hold the firm accountable for unfair practices.
10/27/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TN 37128	Web
To whom it may concern, I am concern i am contacting you regarding my complaint against Cheadle law ( XXXX XXXX ) Tennessee. They are handling a case with XXXX XXXX. I borrowed a loan back in XXXX while leaving in XXXX Tennessee. It was a high loan .I don't remember how it was but i know it wasn't a XXXX loan that Cheadle law trying charge me i told one of the represent trying make payment plan and she was very mean and rude. I ask her how much the loan i borrowed and she said XXXX. the interest rate was XXXX and court cost lead up to XXXX. That was my total to pay ..I told her no one try to get intouch with me and she said they don't have to get InTouch to send you to court but i can make a pay arrangement. I don't remember borrowing that much money and i know XXXX XXXX sold the account and these people are scaming to get over XXXX dollars from me. This is outrage .they are adding unjustified amount to problem XXXX account are less. They are adding these fees with out any proof of the actual amount that was sent to them. That loan was taking out in XXXX i was making my payment on time i just had lost my job and my phone service and i had to move so i got in a bad debt. But still doesn't mean because i mess up that i have pay extra XXXX or more for it, then i try to make payment arrange with this law firm and still charging outstanding fees. the lady was rude and aggressive and hung up the phone. Not good customer services. My question is how problem XXXX loan or less and come out to be XXXXThey are get over and using they lawyers as intimidation. please hold the firm accountable for unfair practices.
04/09/2019	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TN 37207	Web
Cheadle Law is handling an alleged debt for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, TN. I dispute this debt. Cheadle Law sent me a letter advising me I could dispute the debt within 30 days or else it would be presumed valid. Because debt collection agencies are notoriously bad at communicating efficiently and effectively ( although I've had no specific previous experience with Cheadle Law ), I went ahead and contacted them through the XXXX XXXX XXXX to report that I believed they were attempting to collect on an invalid debt, dispute it, and request they mail me the required documentation to account for the alleged debt. However, Cheadle Law responded only to ask the XXXX to close the complaint as " not appropriate '' because I was not their " customer. '' It was only on my second attempt that Cheadle Law agreed to send the requested documentation to verify the debt. Additionally, Cheadle Law has claimed I owe an addition more than {$1000.00} toward legal fees in addition to the reported debt owed to the original creditor. However, Cheadle Law has ignored my request to provide a specific accounting of the costs or to justify its fees. I again request they do this. Please note I still dispute the debt and I am asking Cheadle Law to cease and desist all contact and attempts to collect this debt aside from verification of the debt and documentation of the accounting for fees charged.
02/08/2020	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TN 37072	Web
The previous response from this company is an outright lie, which is what you would expect from this law firm. Here is what they stated in their response : The initial court date was more than 60 days from the initial notice. The borrower is also wrong in his claim above that the Fair Credit Reporting Act applies. Our firm does not report to Credit Bureaus, and has not regarding this borrower. The very FIRST communication I had with this law firm was XX/XX/XXXX and they filed a court case WELL UNDER 30 DAYS THAT THEIR LETTER LEGALLY OBLIGATED. This law firm response stated that I pasted above says the court date was more than 60 days. THIS IS A FLAT OUT LIE. It was well under 30 days from the FIRST COMMUNICATION I EVEN HAD WITH THIS LAW FIRM. XX/XX/XXXX XXXX to XX/XX/XXXX the date of the lawsuit is WELL UNDER THE 30 DAYS THEY PROMISED ME IN THIS, THEIR VERY FIRST LETTER TO ME. I didn't even receive this letter until XX/XX/XXXX, probably this law firm HELD the letter as shady and unethical as they are, in order for me to have less time to respond. CFPB, DO SOMETHING ABOUT THESE SHADY LAW FIRM AND HELP ME RESOLVE THIS LIKE YOU ARE SUPPOSED TO DO. THEIR RESPONSE WAS A FLAT OUT LIE. I have a paper trail to prove their shady practices and I will continue to fight them, including with the Attorney General of Tennessee as well as the XXXX XXXX.
10/03/2019	Yes	Debt collection Payday loan debt	False statements or representation Told you not to respond to a lawsuit they filed against you	TN 37209	Web
i am being sued on an account for XXXX XXXX by XXXX XXXX. I lost my job. i contacted the attorneys office in XXXX after mailing my separation notice to see what my next steps were. Spoke to XXXX who advised me i was ahead on my pay schedule from making an extra payment in XXXX. advised her i would touch base in XXXX. a lien was placed on my bank account days later. the attorney has garnished ALL of my unemployment benefits which are not enough to pay my rent. I would have come up with the payment had i known they were going to take everything. i called and asked if not being able to make a payment meant that my unemployment would be garnished. i was advised they usually send garnishment to employer, but i did not have an employer. was told when i called in XXXX to touch base and make a payment when i could. i was mislead. i tried to call the attorney to discuss. was upset as i have no grocery money now and am a single parent with no support. XXXX hung up on me and XXXX placed me on hold to review my payment history. she never came back to the phone. i stayed on hold until the sytem hung up on me. i have called back and they are ignoring my calls. i have left messages that are also being ignored. i have to work this out with them but they are not talking to me
07/11/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TN 37042	Web
We entered into an agreed judgement with Cheadle Law in XX/XX/2023. I made my first payment via their website on XX/XX/XXXX. I emailed them on XX/XX/XXXX and they said that one of the payments bounced. We had enough funds in the account to cover the payment. I contacted our bank and they said that Cheadle Law never attempted to withdraw the {$300.00} payment and that there was no XXXX history for the transaction. XXXX XXXX said that I would need to overnight cash, cashier 's check or money order. I didn't feel comfortable sending a payment this way. I attempted to make another payment on line on XX/XX/XXXX and XX/XX/XXXX and they told me those bounced as well. My bank once again said that they never attempted to run the payment. I've read several complaints on line that they have done this exact same thing to other people. They also sent no warning that they were going to begin wage garnishment. I've tried calling them and emailing them to work something out and I don't get an answer or a reply. I've also read that they work for loan sharks in New York. This company should not be allowed to practice law.
11/09/2022	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TN 37355	Web
I had filed XXXX XXXX and it was for 4 years. I paid continuously for three years. Life circumstances happened. I was unable to pay the last year so my XXXX XXXX was dismissed. Collection agencies started bombarding me. I was able to work with some and make affordable payments. XXXX XXXX which is XXXX XXXX started sending me papers to appear in court. I missed the first one as I was very pregnant, high risk and majorly XXXX. Then a policeman showed up with the court papers and told me if I didn't go to the next court appearance I would go to jail. Went to court. Told the lawyer I was unable to pay {$200.00} a month but could pay $ XXXX she said smallest amount I could pay was $ XXXX. I tried paying the best I could. I'm the only one working in my family. I'm working overtime just to survive. They did a levy on my bank account for one month. They have sent out another letter for me to appear in court. These people are the worst type of people and only out for blood. My XXXX and XXXX has almost gotten to me numerous times. The lawyers for that company XXXX XXXX XXXX XXXX and XXXX XXXX XXXX from XXXX.
01/12/2016	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	TN 37076	Web
I was sued my XXXX University for XXXX loans. I loss the case due to an incompetent lawyer. But my complaint is against apposing attorney XXXX XXXX who represented XXXX. Atty.Cheadle has harassed me with illegal depositions and my best friend as well. I have filed with the XXXX which governs attorney 's. I have also filed a lawsuit against XXXX XXXX and Atty XXXX XXXX XXXX because she took a deposition illegally. The depositions are conducted without a Court Reporter. It is illegal as well to gather data from myself and XXXX XXXX. I have just filed a loan paperwork for falsified loans. In court I loss because my attorney did n't send the exemplars to the handwriting expert and Attorney XXXX asked the handwriting expert to go ahead and make a decision without my writings. My attorney sent them late and the Court had already made a decision. I am writing this complaint to complain about the harassment after the hearing. Cheadle Firm and Law has completely ignored the law and I do not believe that I am the only one the firm practices this unlawful acts upon. I am seeking help asap.
03/29/2019	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TN 38111	Web
For the last 6 paychecks, Attorney XXXX XXXX has been garnishing 25 % of my wages without notifying me of a lawsuit against me. On XX/XX/XXXX, I called their company and spoke with someone who said that they did serve me the paperwork, however, I informed her that I was never served. According to the paperwork they have, they served me on XX/XX/XXXX at an address that I have not lived at since XX/XX/XXXX. I am not sure whose signature they obtained when they " served '' me but I never received any notification from them. When I notified the attorney of this, they said that I would need to send a down payment in order to stop the garnishment and start a payment plan. They have already taken {$280.00} and I already know that I can stop the garnishment through my civil courts. I would like to file a formal complaint against this attorney for illegal practices and possible forgery of legal documents.
08/15/2022	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TN 37138	Web
Attorney XXXX XXXX XXXX filed a lawsuit and obtained a judgment against me, and is requesting a garnishment on my pay for a debt that is past the statute of limitations. The loan date was XXXX, in the state of Tennessee statute of limitations is 6 years, I was served in XXXX XXXX which is exceeds the statute of limitations by almost 1 year ; with a court date that was past the statute. XXXX XXXX XXXX on the date of court and was unable to attend to argue my case, and now they have a judgment out for it. When I spoke with the representative with the attorney office and she stated the date of loan being XXXX I expressed this was all done after the statute of limitations and she stated oh well you can dispute it but the judge approved the judgment.
01/31/2020	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	FL 32583	Web
My name is XXXX XXXX. This is a complaint regarding a debt collection law firm called cheadle and cheadle law. They have had my license revoked since 2011 in which XXXX XXXX sued me for the cost of another persons car as well as other things which added to the XXXX $ debt. XXXX XXXX turned the case over to cheadle and cheadle law in which revoked my license immediately with no notification. I have attempted reasonable payments but they refuse and expect me to come up with XXXX $ down that I can not afford in order to get my license back. I am an XXXX XXXX that has been forced to work at low paying jobs because of this I can barely afford my family as it is let alone a XXXX $ down payment.
02/10/2020	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	TN 37072	Web
I just caught this a minute ago, I would like to know exactly what this means : " The lender 's contract with this borrower obligates the borrower to pay the lender 's attorneys fees. Those fees continue to increase. '' This looks as if you are saying the attorney fees are increasing. How is that possible? Are you going to try to charge me for writing several responses for {$400.00} per hour or for two sentences? I'm not sure how this attorney could say " those fees continue to increase. '' I'm not understanding that. Please verify EXACTLY what you mean by this statement.
02/06/2020	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	TN 37072	Web
Cheadle Law Firm in XXXX, TN is suing me for XXXX XXXX XXXX as the original creditor. This law firm sued me well before the 30 days their letter said they would give me by law. They broke the law and the Fair Credit Reporting Act. In UNDER 30 days, I already had a summons to appear in court. I have contacted other agencies as well but these people are highly unethical in their dealings as a business and law firm.
08/24/2023	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TN 38345	Web	Servicemember

04/02/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TN 37214	Web

02/28/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	TN 37087	Web

12/06/2022	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TN 37043	Web

04/05/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TN 37921	Web

02/17/2021	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TN 37076	Phone

10/08/2020	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	TN 38024	Web

10/01/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TN 37042	Web	Servicemember

01/15/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 38301	Web

08/02/2019	Yes	Debt collection Payday loan debt	Communication tactics Used obscene, profane, or other abusive language	CA 90740	Web

08/24/2017	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	TN 37921	Web