Internet's first get-out-of-debt community - 199,000 members

dkreyes · #1 07-18-2008, 07:15 AM

We live in Texas. my husband is being sued by cach,llc. we have been dealing w/ them for some time. I sent a letter to 2 different law firms representing them requesting information on the debt and received no response. The first was in 3/07 and the second was 12/07. He has never had a card with the bank they have listed. The lawsuit was filed by a different (this makes three that i am aware of) lawyer. We have received no paperwork from this one before.
From reading in this forum other questions, i know we need to answer the request for admissions. Do i also send a letter of debt validation to this new lawyer representing them? this has been a nightmare. My child is not able to answer the phone because someone was calling saying his dad was a worthless piece of sh..; they told him he was going to go to jail. They were calling him at work until he logged their numbers in as a don't answer id. They have called his mother telling her that he will be fired from his job. they have threatened to have me fired from my job. they have told him they would come take the money "out his a.." this is just a few of the things we had been dealing with. Once i sent a letter to the law firm, they stopped for a while. I don't even know if this is something he owes. He has only had one credit card ever and the limit was 2000, (They are trying to collect 7623) and this was before we were married 8 years ago. He had made payments on it for a long time, was not using it after we married at all. but like i said, we don't even know if this is related to what cach is doing. no one will answer that question.
Please help, what do i do?

alias1958 · #2 07-18-2008, 02:46 PM

dk, welcome! I can't answer your questions, but I'm going to bump this back up to the top so that hopefully someone will see it who can give you some advice.

mommontoya · #3 07-18-2008, 02:55 PM

They don't sound like Law offices to me. You have several violations listed already. Someone will be able to help you . In the mean time keep a log of all calls and what is said.Also if you can record the calls.
I would send DV letter right away. You have rights!

Shazzers · #4 07-18-2008, 08:49 PM

Cach LLC are nothing more than crooks! You can read more about them on Bud Hibbs website.

cajunbulldog · #5 07-19-2008, 05:31 AM

If the card listed is truly not his,I would go the id theft route to slam dunk this lawsuit. Make sure you file an answer to suit to prevent a default judgment. File a id theft police report and forward a copy to the courthouse,the attorney,and all credit bureaus.This will remove their suit as they have the wrong person. if they are stupid enough to persist after this,hire a lawyer & take them to the cleaners.

NASCAR_Devil · #6 07-19-2008, 06:11 AM

I would head off to Radio Shack and buy a tape recorder and start taping these calls. TX is a 1-party state so you don't have to inform them. Who are they claiming as the original creditor? With all the mergers over the past few years it is possible that this acct could be one of those. When did he stop paying on the account and what shows on his credit reports?

If they have already issued a summons, a DV now won't help you but the DV's you have already sent in '07 will if they have never validated. What came with the summons? A questionaire, affadavits, Interrogatories, etc...?

#7 07-21-2008, 04:57 PM

we received a 4 page request for admissions. This asks questions such as did he sign an application for the card in the county we live in. He has never applied for any credit card in this county. "the card" is defined as Chase Manhattan Bank card. he has never had a Chase Manhattan card, so all other questions referring to the card would have to be answered as false statements.

alias1958 · #8 07-21-2008, 05:57 PM

Have you checked his credit report to see what is showing on there? Could it be a case of identity theft? If so, you need to file a police report. Also, Chase purchases cards from other banks. I ended up with two Chase cards that didn't start out being with Chase. Does the paperwork reference an account number or anything else?

#9 07-22-2008, 02:39 PM

i think they are trying to get me for a old old providian card. I checked on case net and saw the court date and everything but they have my old address so the summons was returned and that was back in may I haven't heard from them since but I'm waiting for the knock at the door and already have my lawyer waiting on his paperwork so he can go to work for me.

#10 02-12-2009, 07:10 PM

I pulled my husband credit report and yeah...cach is on there too. They are stating that he owes $886. on a credit card. That we have not never opened. They were able to give me the credit card # and I looked at the one that we have...thinking maybe I did something wrong on paying on the card. Yeah...the # s did nt match at all. Just to give you heads up...they are just talk. I use to work for a collection dept. (as a rep.) they collector would talk trash. Oh, and if they tell you that they have a legal dept. NO...they don't. You are able to cease desist all communication with them. You would have to do it in writing and if they are wanting to collect...they have to prove that your husband does owe that debt. Until further notice they can nt call you or send you any kinds of notice. Until they are able to prove the debt. Good luck!!!!!!!!!

#11 02-13-2009, 01:13 AM

Guest, if someone has opened a cc account in your spouses name you should file a police report and send a copy to the CA, if you don't try to get this cleared up, you might wind up with a judgement against you for a debt that is not yours.

#12 07-27-2009, 05:56 PM

i paid them and they never deducted the payment from what i owed

#13 07-27-2009, 06:20 PM

There are many lawyers in Texas who will bring a case for you under the law that regulates debt collectors, the Fair Debt Collection Practices Act, and/or who will help you defend against the case they have filed against you. Go to the website for the National Association of Consumer Advocates (NACA) and search by state for an attorney in your area. NACA is a non-profit. Bud Hibbs's site is great too-- he's a NACA member (so am I).

sarahporiss · #14 07-27-2009, 06:21 PM

There are many lawyers in Texas who will bring a case for you under the law that regulates debt collectors, the Fair Debt Collection Practices Act, and/or who will help you defend against the case they have filed against you. Go to the website for the National Association of Consumer Advocates (NACA) and search by state for an attorney in your area. NACA is a non-profit. Bud Hibbs's site is great too-- he's a NACA member (so am I).

#15 09-04-2009, 01:42 PM

I sent the attorneys a letter and even called to find out who they were representing and wanted to talk to someone. No one called me and all I know they sent my file to court.

#16 09-16-2009, 01:18 PM

Need help quick. Here's what's gone on. Got sued by an attny 4 Cach, llc. Returned paperwork denying. Got summons for mediation. Went to mediation & refused it. Wanted trial so they had to prove they own the debt and not past SOL. When all started, I sent a DV letter to cach. Have not heard anything from them yet (been about 2 months now). Got summons for trial on 9/15/09. Then got letters from court & from Cach attorney saying they were unable to attend on 9/15/09 but would like to schedule a phone conference to set a court date. Cach attny was told to provide me with info for doing this. Got letter from Cach attny saying I was to call a phone # & use a validation code. The time was set for 2 pm 9/15/09. I called the number at 1:56 pm & sat on hold til 2:30 when I had to return to work from my lunch hr. Today (9/16/09) i called courthouse & was told that attny told judge he wasn't able to get ahold of me for scheduling the phone conference & would be filling summary judgment papers with the court. Obviously, I need to send a letter to judge re: this, with my letter from Cach attny. Anything else I should do, say, etc?