Hi folks. I’m Sergei Lemberg. I run Lemberg Law, a consumer law firm that sponsors StopCollector.com. We’ve recovered more than 30 million dollars for more than 10,000 clients. If CKS Financial is harassing you, calling your cell phone, otherwise making your life miserable, pick up the phone and give us a call. Now what is CKS Financial? It’s an arm of CDYNE corporation. They operate out of Virginia. They are a third-party debt collector but they also buy their own debt and they for the most part collect on a contingency basis. If they’re calling you, if they’re making your life a living hell, pick up the phone and give us a call. So here’s a couple of things about the law here. The Telephone Consumer Protection Act requires debt collectors that are calling you to have your consent, that is, you have to have given the number to your creditor or the debt collector and they have to have your consent throughout. If they did not have your consent when they called you on your cell phone and they used an automatic dialer, you may be entitled to money from them – up to $1,500 a call. A debt collector may also be liable for violations of the Fair Debt Collection Practices Act. Now here’s a couple of things about that law. What does it cover? Repeatedly calling you or calling for the wrong person, threat of a lawsuit, failing to send you your initial letter, no identification of themselves on calls, no mini Miranda when they talk to you, they don’t disclose they’re a debt collector, calls to work after being told not to. Under the FDCPA you can recover up to a thousand bucks for these violations and under the TCPA you might be entitled to up to $1,500 for each call to your cell phone. Don’t wait. Don’t take it on the chin. Don’t sit there taking the abuse and harassment. Pick up the phone. Give us a call.