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Business Profile

Lawyers

Cheadle Law
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BBB Accredited BusinessA+Rated by BBB

Complaints

Customer Complaints Summary

  • 4 total complaints in the last 3 years.
  • 4 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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Complaint status

Complaint type

  • Initial Complaint

    Date:06/02/2025

    Type:Order Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    August 30, 2024, I had a sheriff knock on my door and serve me papers for a loan I defaulted on in 2023 with ****************** *******************************. I set up a payment plan with Cheadle Law, and I was doing great on paying it for the first almost year, I got behind a few payments, but then called and paid that in a lump sum, and they specifically told me they would NOT send any other reprimand, and I didnt have to worry about it. This time, I only got behind two payments, and they sent a sheriff to my employer and served one of the executives papers for me to have my checks garnished. They want to take 25% out of my take home pay of each check, and Im a single mom to my 3 year old daughter, with a a car payment and multiple other bills as well. They DO NOT CARE, and everyone I have spoken to (when I FINALLY AM ABLE TO GET SOMEONE TO ANWER THE PHONE AFTER CALLING A MILLION TIMES) have been BLATANTLY RUDE AND DISRESPECTFUL. They also told me there is NO INTEREST on this, and the paper I was served with today shows over $300 worth of interest.

    Business Response

    Date: 06/06/2025

    ***** ********** is a defendant that we sued on behalf of our lender client.  She is not a customer.

    Our office sued Ms. ********** on behalf of our lender client to recover the balance due on a loan that Ms. ********** failed to pay as promised.  On August 30, 2024, judgment was entered in favor of our lender client against Ms. ***************** Attached is a copy of the judgment.  The judgment provides for post-judgment interest at the rate of 10.5% per annum.  This was the Tennessee statutory post-judgment interest rate at the time of judgment.  

    Ms. ********** promised to pay the judgment in payments of $70.00 every two weeks, beginning September 6, 2024.  Ms. ********** failed to always timely make her payments.  At least one payment was returned for "insufficient funds."  The last payment our office received from Ms. ********** was on March 21, 2025.  On May 20, 2025, our office properly filed a wage garnishment due to Ms. ************ failure to pay as agreed.  At no time did our office convey to Ms. ********** that post-judgment interest would not accrue.  The judgment is final.

    We ask that you please close this complaint, as Ms. ********** is not our customer.  This matter has been resolved by the Court, as indicated in the attached judgment entered on August 30, 2024.

    Customer Answer

    Date: 06/06/2025

    I am going to call the *********************** on Monday 6/9/25 and get a copy of my original document. I am sure there was no interest shown on the copy the officer served me, but cannot find my original document at the moment. Of course they would say they didnt ever tell me interest wouldnt accrue, because it was WRITTEN, it was VERBALIZED to me by one of their employees. I specifically asked when I called and set up this payment plan if interest wouldnt accrue accrue, and a female employee of theirs that I was speaking to at the time, did tell me that I would not accrue any interest. Also, yes, I had missed payments, but I always called when I realized it and got it back current. One time, I was 3 payments behind, and I called and apologized and paid it. I asked the employee then if something was going to happen when/if I got behind, and she told me No, maam. As long as you catch it up and make it current. But here we are, and I was told I was only 2 payments behind this time, and they are garnishing my check after they said prior that nothing would happen as long as I caught it up asap. I understand the garnishment, but DONT TELL SOMEONE SOMETHING IF ITS NOT TRUE. Also, Im a single mom to my 3 year old daughter that only brings home $400 a month after all my bills are paid, including paying yall. I cant wait to get this paid off. Worst experience ever. Yes, I caused the debt/collection, and I will continue to pay it, but Im just letting everyone out there know to NEVER USE ADVANCE FINANCIAL, nor work with this firm, if they dont have to.

    Customer Answer

    Date: 06/10/2025

     
    Complaint: 23407878

    I am going to call the *********************** on Monday 6/9/25 and get a copy of my original document. I am sure there was no interest shown on the copy the officer served me, but cannot find my original document at the moment. Of course they would say they didnt ever tell me interest wouldnt accrue, because it was WRITTEN, it was VERBALIZED to me by one of their employees. I specifically asked when I called and set up this payment plan if interest wouldnt accrue accrue, and a female employee of theirs that I was speaking to at the time, did tell me that I would not accrue any interest. Also, yes, I had missed payments, but I always called when I realized it and got it back current. One time, I was 3 payments behind, and I called and apologized and paid it. I asked the employee then if something was going to happen when/if I got behind, and she told me No, maam. As long as you catch it up and make it current. But here we are, and I was told I was only 2 payments behind this time, and they are garnishing my check after they said prior that nothing would happen as long as I caught it up asap. I understand the garnishment, but DONT TELL SOMEONE SOMETHING IF ITS NOT TRUE. Also, Im a single mom to my 3 year old daughter that only brings home $400 a month after all my bills are paid, including paying yall. I cant wait to get this paid off. Worst experience ever. Yes, I caused the debt/collection, and I will continue to pay it, but Im just letting everyone out there know to NEVER USE ADVANCE FINANCIAL, nor work with this firm, if they dont have to.


  • Initial Complaint

    Date:05/27/2025

    Type:Sales and Advertising Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    This attorney owns a lein that is on any property I may sell. They charge interest by the day. I've attempted to get a return call multiple times and even had others call to try resolve the lein. This has been going on since November of 2024. The interest continues to be charged and I've not been given the opportunity to resolve this debt by the lein holder.

    Business Response

    Date: 05/28/2025

    ******* ****** is a defendant that we sued on behalf of our lender client.  She is not a customer. 

    ********** sued Ms. ****** on behalf of our lender client to recover the balance due on a loan that Ms. ****** failed to pay as promised.  On August 20, 2020, judgment was entered in favor of our lender client against Ms. ************* Attached is a copy of the judgment.  The judgment provides for post-judgment interest at the rate of 5.25% per annum.  A judgment lien has been recorded, as allowed by law.

    ********** was contacted by a title company on behalf of Ms. ****** on November 22, 2024, by telephone.  Ms. ****** contacted our office by telephone on November 25, 2024, and was verbally provided the balance due.  Ms. ****** cursed our staff and hung up.  Ms. ****** contacted our office again on November 25, 2024, by telephone and inquired as to how to pay in full, which our office provided.  Ms. ****** also contacted our office by email on November 25, 2024, and requested the balance due.  ********** replied to Ms. ****** email the same day and provided the balance due.  We have responded to Ms. ****** inquires.  

    We ask that you please close this complaint, as Ms. ****** is not our customer.  This matter has been resolved by the Court, as indicated in the attached judgment entered on August 20, 2020.

     

     

  • Initial Complaint

    Date:12/16/2024

    Type:Service or Repair Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I have been calling the law office for a stament of account payment for the last 2 or more years and they have refused to provide me it ****** job is conducting a background check and they came up on my ************** law they are supposed to provide me with a statement and they are still refusing

    Business Response

    Date: 12/17/2024

    Prince ****** is a defendant that we sued on behalf of our lender client.  He is not a customer.

    A judgment was entered on May 31, 2024, against Prince ****** in favor of our client.  Attached is a copy of the judgment. 

    Mr. ****** has previously made payments to our office using his personal checking account.  ******** records reflect all payments that he has made to our office.  ********** has repeatedly provided Mr. ****** with the balance due.  The last time we provided Mr. ****** the balance due was on December 16, 2024, by telephone.  We do not provide "a statement of account payment."  There is no such legal requirement.  

    We ask that you please close this complaint, as Mr. ****** is not our customer.  This matter is being handled by the Courts. 

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