Im currently dealing with Cach, LLC here in the state of NC, and its for a line of credit from Wachovia I was unable to fully pay off before I gradauetd from undergrad in 2004. Cach LLC took over the debt, and had a judgment made against me, b/c I was paying them monthly payments from Nov. 2009-March 2010, but im currently in between jobs, so now I have to go meet with legal counsel tomorrow, to see how to stop my property from being taken back to pay off the $1300.00 debt. Im a poor graduate student, so how in the heck can I even give them anything to possess for my debt when my folks pay for my place, my car, and my cell phone. the only thing I OWN out-right is a $900.00 dog which was bought for me for Christmas. Does anyone know the answer to this??