CKS Financial is the name Webcollex, LLC, a Chesapeake, Virginia collection company, has used with consumers. A letter, call or credit-report entry under either name means it has been collecting a past-due account.
- Type
- Collection agency
- Also known as
- Webcollex, LLC; Webcollex
- Headquarters
- Chesapeake, VA
28 debt collection complaints were sent to the Consumer Financial Protection Bureau about Webcollex, LLC from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is CKS Financial?
CKS Financial and Webcollex, LLC are two names for the same business. The BBB lists CKS Financial as a limited liability company in the collections category with Webcollex, LLC as an alternate name, a business start date of April 1, 2009, and addresses at 505 Independence Parkway, Chesapeake, Virginia 23320, and PO Box 2856, Chesapeake, Virginia 23327. When we checked in November 2026, the BBB flagged the business as possibly out of business, and we could not find a working official website for either name. That makes it hard to confirm who is behind a call that uses these names today.
The CFPB's complaint database lists the company as "Webcollex, LLC," so a complaint you file may need to use that name. We did not find a CFPB enforcement action against CKS Financial or Webcollex.
Why CKS Financial May Be Contacting You
We could not verify from an official source which creditors CKS Financial collects for or whether it owns the accounts it collects. Its name most often shows up in two ways: a collection letter that names an original creditor you may or may not recognize, or a collection tradeline on your credit report. Separately, a company called CKS Prime Investments, LLC has filed collection lawsuits in Texas; we found no official source describing a relationship between it and CKS Financial, so don't assume they are the same company. Read the letter for the name of the current creditor.
How to Check a Debt CKS Financial Says You Owe
With limited public information available, the paper trail matters more than usual:
- Insist on the validation notice. It must identify the current creditor and the original creditor and itemize the balance (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). Don't pay by phone before you have it.
- Dispute in writing by mail to an address on the notice, within the dispute period. Ask for the account-level documents that show the original creditor and how the account came to CKS Financial or its client.
- Check all three credit reports. If the account appears under Webcollex or CKS Financial and you dispute it, it should be marked as disputed.
- Compare the balance with your last statement from the original creditor, and ask for an explanation of anything added.
- Confirm the account is within the limitation period. Texas generally allows four years to sue (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Virginia and other states set their own periods.
What CKS Financial Can and Can't Do
A company that collects defaulted consumer accounts as its main business is a "debt collector" under 15 U.S.C. § 1692a(6), whether it collects for a client or for itself. Henson v. Santander, 582 U.S. 79 (2017), narrowed the "owed to another" test for debt owners but left the principal-purpose test in place. Anyone collecting under these names:
- Must identify itself as a debt collector in its communications (15 U.S.C. § 1692e(11)) and may not call before 8 a.m. or after 9 p.m. your time (15 U.S.C. § 1692c(a)(1)).
- Must stop collecting a disputed debt until it sends verification (15 U.S.C. § 1692g(b)).
- Must report a disputed debt as disputed if it reports at all (15 U.S.C. § 1692e(8)).
- May not threaten a lawsuit on a debt that is too old to sue on in Texas (Tex. Fin. Code § 392.307; 12 C.F.R. § 1006.26(b)).
See how to dispute a debt with a collector.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If CKS Financial or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- BBB business profile: CKS Financial / Webcollex, LLC (business facts only)
- CFPB enforcement actions (full list reviewed)
- CFPB Consumer Complaint Database: Webcollex, LLC, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that CKS Financial has violated any law. Company details change; tell us if something here is out of date.