What to Do if Facing a CKS Prime Investments Lawsuit in TX

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Have you been served with a CKS Prime Investments lawsuit in Texas? If so, you may feel overwhelmed, confused, and uncertain about how to move forward. However, it is essential to know that you have legal options available to protect your rights and work toward a favorable resolution. In the article below, our experienced Texas debt defense attorneys break down what to know about CKS Prime Investments and outline steps you can take if facing a debt collection lawsuit in Texas.

What Is CKS Prime Investments, LLC?

CKS Prime Investments, LLC is a debt buyer headquartered in Wall, New Jersey. A debt buyer is a company that purchases portfolios of defaulted and charged-off debts from original creditors for pennies on the dollar. Then, the debt buyer pursues the total amount of debt, plus late fees and accrued interest, from consumers, to make money.

The company is a subsidiary of Velocity Portfolio Group, Inc. According to Velocity Portfolio Group, CKS Prime Investments does not pursue collections on its own debts. Instead, its sister company, Velocity Investments, LLC, services collections and typically refers them out to third-party collection companies and law firms.

In Texas, our law firm often sees CKS Prime Investments collections handled by the following law firms:

Is CKS Prime Investments Legit?

CKS Prime Investments, LLC is a legitimate company owned by Velocity Portfolio Group, Inc. However, that does not mean you owe the debt it alleges. You have the legal right to demand debt validation from CKS Prime Investments, and you should.

Who Does CKS Prime Investments Collect for?

CKS Prime Investments is not a debt collector. It does not pursue debt collection for creditors or other companies. CKS Prime Investments is a debt buyer that purchases defaulted and charged-off debts from original creditors at pennies on the dollar.

CKS Prime Investments does not even seek collection on the debts it purchases. Instead, its sister company, Velocity Investments, LLC, services the accounts. More so, Velocity Investments often hands the accounts over to third-party debt collection companies or law firms. As mentioned earlier in the article, we often see the law firms Javitch Block, LLC and Rausch Sturm LLP handle the collections.

CKS Prime Investments Is Suing Me. What Do I Do Now?

Are you being sued by CKS Prime Investments, LLC? If so, it is important to act quickly to protect yourself from a default judgment.

A default judgment occurs when the court rules in the plaintiff’s favor (CKS Prime Investments, LLC) because the defendant (you) failed to respond to the lawsuit or appear in court. Basically, a default judgment means you lose the case, even if you do not owe CKS Prime Investments any money.

Our Texas debt collection defense lawyers recommend taking the following steps:

1. Consult an Experienced Texas Debt Defense Lawyer

We can review the claims against you and help you understand your situation, legal rights, and options for resolving the lawsuit. If you choose to work with us, we will represent and defend you throughout the legal process. We will ensure you avoid a default judgment, investigate the claims against you, develop a strong legal strategy, and work to reach a favorable outcome.

2. Answer the Lawsuit

You generally only have 14 to 20 days to file a formal response, called an Answer, with the court overseeing the case. In this response, you must address each allegation against you. You can also put down any legal defenses you have. Filing your Answer on time protects you from a default judgment. It also gives you the time to explore all available legal options.

3. Demand Debt Validation

It is critical to understand that the burden of proof is with CKS Prime Investments. The debt buyer must prove that you owe the debt, the debt amount is correct, it owns the debt, and it has the legal right to collect the debt. You have the legal right to request debt validation from CKS Prime Investments, which can reveal weaknesses or errors. If CKS Prime Investments does not have enough evidence, you may be able to get the case dismissed.

4. Assess your Defenses

Do you have strong defenses to the claims against you? A few potential defenses include errors in the documentation, an expired statute of limitations, and mistaken identity.

5. Assess and Execute Your Legal Strategy

The best course of action for you will depend on the strength of the case against you and your unique financial situation. For example, if CKS Prime Investments’ case against you is weak, you may be able to get the case dismissed. If you have strong defenses, you may be able to fight the lawsuit in court or negotiate a favorable settlement. If your debt feels like too much to handle, you may be a good candidate for bankruptcy or other debt-relief options like debt consolidation.

How Warren & Migliaccio Can Help You if Facing a CKS Prime Investments Lawsuit

At Warren & Migliaccio, our Texas debt defense lawyers help Texans reach favorable outcomes in debt collection lawsuits. We have extensive experience and success going up against the country’s largest creditors, debt buyers, and debt collectors. If CKS Prime Investments, LLC is suing you for a debt, a few ways we can help include:

Free consultation to help you understand your situation, answer your legal questions, and discuss your potential options for resolving the lawsuit
Draft and file an Answer with the court to protect you from a default judgment
Demand debt validation from CKS Prime Investments, LLC
Investigate the claims against you to identify any weaknesses or errors in CKS Prime Investments’ case
Identify and assess your legal defenses
Help you weigh the benefits and disadvantages to each of your legal options, so you can make informed decisions about your case
Develop a legal strategy for your case
Execute the best legal strategy for you, which may include seeking case dismissal, challenging the lawsuit in court, negotiating a favorable settlement, or exploring alternative debt relief options like bankruptcy

Infographic outlining key steps for handling a CKS Prime Investments lawsuit in Texas. Includes who CKS Prime Investments is, legitimacy concerns, the importance of responding quickly, debt validation, legal defenses, legal strategy options, and the benefits of legal assistance. — **Being sued by CKS Prime Investments in Texas? Take action now! This infographic breaks down essential steps to protect yourself, challenge the lawsuit, and explore your legal options.**

FAQs Regarding CKS Prime Investments Lawsuit

How long does a debt buyer have to sue in Texas?

Texas typically gives creditors and debt buyers four years from the date of the last payment or default to file a lawsuit. Once the statute of limitations expires, they can still try to collect but can’t legally enforce the debt in court. If you suspect the deadline has passed, a quick legal check might keep you from paying a debt that’s too old to pursue.

Can you go to jail for debt in Texas?

No—you won’t go to jail simply for owing a consumer debt in Texas. Courts can order you to pay, but they aren’t in the business of handing out orange jumpsuits for missed credit card bills. Still, ignoring a lawsuit can land you in hot water financially, so it’s wise to respond promptly.

Can a default judgment be overturned in Texas?

It’s possible to ask the court to set aside (overturn) a default judgment, but the clock starts ticking the moment you’re aware of it. You’ll need a solid reason—like not receiving proper notice or having a valid defense—and a good attorney can guide you through the process. The faster you act, the better your odds of a legal do-over.

Should I settle or go to court for a debt lawsuit in Texas?

Your best move depends on the strength of the case against you and your personal finances. A fair settlement can put the dispute behind you quickly, while going to court might save money if you have solid defenses—or cost more if you lose. An experienced attorney can help you weigh the pros and cons so you can decide which path suits you.

What if I cannot afford to pay the debt claimed by CKS Prime Investments?

If you’re drowning in debt, options like debt consolidation, settlement negotiations, or even bankruptcy might be lifelines. With the right strategy, you can potentially reduce what you owe or create a more manageable payment plan. You don’t need to face an impossible bill alone—legal guidance can help you find a path forward.

Have you been sued by CKS Prime Investments in Texas? What was your experience?

Everyone’s experience varies, but many describe stress and confusion when dealing with a debt lawsuit. It’s smart to learn from others’ stories (online forums, consumer protection sites) and seek legal help if your own summons arrives. Hearing others’ triumphs—and stumbles—can prepare you for what to expect.

Can CKS Prime Investments garnish wages for debt collection in Texas?

Generally, consumer debt collectors in Texas can’t garnish your wages unless the debt is tied to specific categories like child support or federal student loans. That said, a successful lawsuit could mean other collection tactics, such as bank account levies or property liens. Knowing your rights helps you guard your paycheck from any unpleasant surprises.

Are there any success stories of winning against CKS Prime Investments in Texas?

Yes—though most “wins” stem from consumers responding promptly and leveraging valid defenses or procedural errors by the debt buyer. Real-life victories often involve proving lack of ownership, highlighting expired statutes of limitations, or unveiling incorrect documentation. An attorney who knows the ropes can help you craft a success story of your own.

Schedule a Free Consultation With Our Texas Debt Collection Defense Lawyers

Are you facing a CKS Prime Investments lawsuit in Texas? If so, do not hesitate to contact our Texas debt collection defense lawyers about your situation. We provide a free consultation to review the claims against you, answer your questions, and discuss your legal options for resolving the lawsuit. Call us at (888) 584-9614 or submit our online contact form, and we will contact you soon.

What to Do if Facing a CKS Prime Investments Lawsuit in Texas