Collection Agencies and Creditors

Cach LLC showing unprofessional attitude - How to handle it?

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Author

Posted: Thu Aug 30, 2007 9:57 am Post subject: CACH, LLC

Okay, well I have not gotten a letter. But I did recieve a phone call and then I looked at my credit report and under this debt is CACH, LLC.. I had a car loan with Household finance and I was late 2 months and they sold it off, to a law firm. Well I was making payments to the law firm for around 6 months well in May the payments stopped coming out of my account. Well I guess the law firm sold it to CACH, LLC. What do I do, I don't want to start making payments to a weird company and from what I read CACH, LLC is a weird company.. I am freaking out about this. Someone please help!

help101
Guest

Debtcc Points: 100

Posted: Thu Aug 30, 2007 10:04 am Post subject:

I'd say first thing is to send a debt validation letter to CACH. Of course they probably will ignore it but send it anyway along with a cease and desist and make sure to send it return receipt requested. (that's very important) See what happens from there. Good Luck and come back if u have any questions or just to let us know how it's going, Ang _________________ You will not be punished FOR your anger; you will be punished BY your anger. --Buddah

Ang
Debt Samaritan

Joined: 27 Jun 2006
Posts: 2390

Debtcc Points: 18722

Posted: Thu Sep 06, 2007 7:10 am Post subject: reply to ang

where do i find a debt validation letter and a cease and desist letter?? Do I return their phone call?? help, I don't know what to do!

help101
Guest

Debtcc Points: 100

Posted: Thu Sep 06, 2007 9:46 am Post subject:

Here ya go help: http://www.debtconsolidationcare.com/letters/ THese are sample letters but make sure to change the wording to fit ur case! Good Luck, Ang _________________ You will not be punished FOR your anger; you will be punished BY your anger. --Buddah

Ang
Debt Samaritan

Joined: 27 Jun 2006
Posts: 2390

Debtcc Points: 18722

Posted: Fri Sep 07, 2007 6:01 am Post subject: another question

what if i have already made a payment can i still send these letters?

help101
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Debtcc Points: 100

Posted: Sat Sep 08, 2007 3:28 am Post subject:

They are evil, I have been sued back in December 06, ang how long did it take you to get a court date? It has been a little of 8 months now since they filed the lawsuit and still no court date. Making me think this was just a ploy to get me to pay. Anyone have any thoughts here. _________________ Working my way out of this debt, one day at a time!

fedupinpa
Moderator

Joined: 22 Jan 2007
Posts: 1666

Debtcc Points: 21403

Posted: Sat Sep 08, 2007 4:43 pm Post subject: debt

What is CACH, LLC?? Someone said it's a 'company' of lawyers?? Please fill me in..thanks.

sdchargers_63

Joined: 08 Aug 2007
Posts: 1151

Debtcc Points: 11104

Posted: Sun Sep 09, 2007 1:42 pm Post subject:

CACH is a collection agency that purchase old debt, then tries to collect on it. You can visit bud hibbs and do a search on them or google them here to get more information on them. I haven't heard from them in a while (knock on wood) probably be something in the mail tommorro after writing this, LOL. _________________ Working my way out of this debt, one day at a time!

fedupinpa
Moderator

Joined: 22 Jan 2007
Posts: 1666

Debtcc Points: 21403

Posted: Sat Sep 15, 2007 2:25 pm Post subject:

I received a summons today from CACH.LLC vs. me for a credit card debt. I understand that they buy these debts from companies, now what is my obligation to them? After all I did not sign a contract with them. Are all accounts transferable to other companies. What will happen when I go to court, I do not have the full amount to pay this debt, can I pay what I can in installments?. Give me some info on this please.

Guest

Debtcc Points: 100

Posted: Sat Sep 15, 2007 9:49 pm Post subject:

Have u recieved a summons from CACH? If so, plz mke SURE to answer it in alloted time or they will get a default judgment! Depending on what state ur in, they can garnish ur wages to pay this debt back. Good Luck and let us know if u have any more questions. We will be happy to answer as best we can to help u out with this matter! Ang _________________ You will not be punished FOR your anger; you will be punished BY your anger. --Buddah

Ang
Debt Samaritan

Joined: 27 Jun 2006
Posts: 2390

Debtcc Points: 18722

Posted: Sun Sep 16, 2007 12:36 am Post subject:

Make sure you have them validat the debt also, you need to find out the statute of limitations in your state and make sure it is not past that date also. Make sure you check this out before you pay anything, if it is past the statute of limitation they can not collect on it. Make sure you have them validate the debt, there are examples on this site that you can use. Send everything certified, return reciept requested. Keep copies of all correspondence to and from them. _________________ Working my way out of this debt, one day at a time!

fedupinpa
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Joined: 22 Jan 2007
Posts: 1666

Debtcc Points: 21403

Posted: Sun Sep 16, 2007 6:37 am Post subject:

Fed, I am not trying to do one up on u plz dont' take it this way but just cuz a debt is out of SOL a collector CAN still collect on this debt they just can NOT sue u for it!! A collector is able to "try" to collect on a debt as long as it is still owed. But they can't win a judgement if it is out of SOL... This wud be ur primary defense on such a suit! So, in other words, they can try to collect but they have NO legal help in the matter! Hope this makes sense! (sometimes it's hard to explain things on here, for me anyway) Ang _________________ You will not be punished FOR your anger; you will be punished BY your anger. --Buddah

Ang
Debt Samaritan

Joined: 27 Jun 2006
Posts: 2390

Debtcc Points: 18722

Posted: Sun Sep 16, 2007 6:42 am Post subject:

Gosh the post i replied to makes NO sense to me after re-reading it now! ha ha Ok, if a collector has a debt that is out of SOL and sue u for it, ur defense wud be SOL and then thrown out of court! But u MUST answer the summons and use SOL as ur defense! Whew! Make more sense now? lol Hope so.... But none the less, they can still continue to "TRY" to collect on this debt but it's almost a moot point since the court will not be on their side.. In other words, if u chose NOT to pay there is NOTHING they can do to make u pay it! Maybe harass u with fone calls but that's the extent of their threats! Hope this helps a little bit Ang _________________ You will not be punished FOR your anger; you will be punished BY your anger. --Buddah

Ang
Debt Samaritan

Joined: 27 Jun 2006
Posts: 2390

Debtcc Points: 18722

Posted: Wed Sep 19, 2007 5:42 pm Post subject: Court

My husband was served a summons and went to court. He asked for debt validation and last week Cach sent a couple copies of the credit cards bills as well as a signed statement from providian saying that my husbands debt has been turned over to Cach. Anyone have any suggestions on what to do next? Court is in Late October. SOL is up Feb 2008.

DS
Guest

Debtcc Points: 100

Posted: Wed Sep 19, 2007 6:09 pm Post subject:

Did u answer the summons? Cuz most times their work is very sloppy and u can dispute those things... Like an affadavit of someone who knows about this debt, that's hear say... Good Luck, Ang _________________ You will not be punished FOR your anger; you will be punished BY your anger. --Buddah

Ang
Debt Samaritan

Joined: 27 Jun 2006
Posts: 2390

Debtcc Points: 18722

Posted: Thu Sep 20, 2007 6:31 am Post subject:

Answer the summons per rules of civil procedure and start the discovery process. Send out a motion to strike the statements and affidavit as hearsay.They cannot be used as real evidence unless the person who created them is accessible for testimony. _________________ Cajunbulldog Keeping an eye out for consumers. http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#809 http://www.ftc.gov/os/statutes/fcrajump.shtm http://www.debtconsolidationcare.com/forums/about216.html Use this letter to protect your rights under the FDCPA myfairdebt.com & myfaircredit.com-Good source of case law in forums.