Collection Agencies and Creditors

Cach LLC showing unprofessional attitude - How to handle it?

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Posted: Tue Oct 23, 2007 11:57 am Post subject:

ds, If CACH (collect america) has a judgement on you or your husband, than the answer is yes. They can, and will either, garnish wages or they will put a lien on your house. The first thing I would do is find a good consumer protection lawyer in your town. If you cant afford one, some will work on the sliding scale. You can find one by looking in a search engine for your home town. But, whatever you do, I wouldnt fill out squat for collect america until I found a lawyer.... Best of luck

fdxguynzona

Joined: 19 Oct 2007
Posts: 29

Debtcc Points: 0

Posted: Tue Oct 23, 2007 12:02 pm Post subject:

Well ususally after getting a judgement it's ordered thru the court to fill out the asset form so if that's the case plz make sure to fill it out or u cud be held in contempt of court! If u want to try to find an atty to help u look at www.naca.net and see if they have a consumer atty near ur area. Before they can actually start garnishing ur wages they must get a court order to do such... in my state u have to fill out the assest form first then the next step is a court date for garnishment. Of course each state is diff... so check ur own state's procedures for this. Good Luck and ask if u have any other questions, 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

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Posted: Tue Oct 23, 2007 12:18 pm Post subject:

I was going to quote that site naca.net but wasnt sure if we are allowed to so...

fdxguynzona

Joined: 19 Oct 2007
Posts: 29

Debtcc Points: 0

Posted: Tue Oct 23, 2007 12:42 pm Post subject:

Ooopps did i break the rules?? Thanks for bringing that to my attention! 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: 18752

Posted: Tue Oct 23, 2007 7:41 pm Post subject:

Thank you FD & Ang I will look into what you suggest. At the moment the sliding scale is looking bleak as well. My husband found out today that he can't even collect unemplyment until Jan. Maybe we should just file bankruptcy before they can attach anu leins.

ds
Guest

Debtcc Points: 100

Posted: Tue Oct 23, 2007 7:50 pm Post subject:

Filing BK is certainly a personel thing... If you have TONS of debt, that may (I use that word cautiously) be an option... However, if you do go that route, you will need an attorney anyway... a good one will review ALL options.... But in the meantime, FIND A LAWYER... Now going back to the issue of not affording a lawyer. You cant afford not getting a lawyer. Look at the state bar website of your state. Somewhere on that site there is a place where you can get a list of lawyers who help people in need who do not have the $$ Then start looking them up.. My heart goes out to you... BOL

fdxguynzona

Joined: 19 Oct 2007
Posts: 29

Debtcc Points: 0

Posted: Wed Oct 24, 2007 10:23 am Post subject: CACH

I recently was told that my name appeared in the local newspaper and said that I was being sued by CACH. I have not been served. I contacted them and we worked agreement but after reading I cant trust them. I havent validated debt. Can they get judgement if I'm not served papers? _________________ Register today to encash debtcc points.

glen
Guest

Debtcc Points: 100

Posted: Wed Oct 24, 2007 7:06 pm Post subject:

Glenn, You need to review your states statues in regards to proper procedure of how summons are issued in your jurisdiction.... Just calling or emailing an attorney can solve that... There are some states, including the one I live in, that allows summons to be posted at the person's front door and not get a signature. Which I think is so prehistoric, but thats another story. Some states even allow putting the person's name in the newspaper. These are done if the person cannot be located. A sheriff's office or some other law enforcement agent must try to serve you at your house first... If I were you I would check your local court house to see if your name is on their list anywhere... BOL

fdxguynzona

Joined: 19 Oct 2007
Posts: 29

Debtcc Points: 0

Posted: Sat Oct 27, 2007 1:33 am Post subject: CACH motioned for dismissal to be set aside

Hi all - CACH sued me back in April 07 without my knowledge (I was never served) and then they didn't show up in court. The judge dismissed their suit and now they are filing a motion for the dismissal to be set aside as a result of "lawyer error." I received a copy of their motion for the dismissal to be set aside. The court date for the dismissal question is set for November 21, 2007. This is the first I have EVER heard from CACH in any capacity. My question: Can I show up in court and dispute the charges in the original suit (which I never received)? Or is this case a done deal, with only the question of the dismissal left to be answered? I am mailing a debt validation letter on Monday to the attorney who sent me the paperwork today. That office is Neuheisal Law Firm in Sacramento, CA. Will they be able to validate the debt on behalf of CACH? Thanks for any help!

Jayebyrde
Guest

Debtcc Points: 100

Posted: Sat Oct 27, 2007 7:50 am Post subject:

Jayebyrde says, "I am mailing a debt validation letter on Monday to the attorney who sent me the paperwork today. That office is Neuheisal Law Firm in Sacramento, CA. Will they be able to validate the debt on behalf of CACH?" Well, they may send you some paperwork claiming it is the validation. If that's the case, the "paperwork" is more than likely fabrication at their own doing. The paperwork they sent me, claiming to be validation was hiliarious, looking back at it now. They had addresses on this "validation paperwork" where they claimed I used to live in states I never lived in!!! But, in short,in your case, I would start that paper trail..Which you are doing. Sending them a DV could never hurt one bit, at all. In fact, I would send it to CACH offices in Denver as well. Always certify it too... Doing this puts the ball in their court...

fdxguynzona

Joined: 19 Oct 2007
Posts: 29

Debtcc Points: 0

Posted: Sun Oct 28, 2007 4:49 am Post subject:

I worked with this company on a small credit card debt, they were pretty descent. You can send the debt validation but they are going to go with what their client is giving them. I am in the same boat with cash, just a different law firm on a different issue. Also file a complaint with your AG office, I did this, it was too late because of pending legal action, but you may still have time. goodluck _________________ Working my way out of this debt, one day at a time!

fedupinpa
Moderator

Joined: 22 Jan 2007
Posts: 1666

Debtcc Points: 21403

Posted: Mon Oct 29, 2007 2:51 pm Post subject: cach llc

you can call your credit card company and have them recall the account from the agency if you promise to start a payment plan directly with said creditor. You don't have to go through any collection agencies if you do that.

laurik23

Joined: 29 Oct 2007
Posts: 1

Debtcc Points: 21

Posted: Mon Oct 29, 2007 3:39 pm Post subject:

They may do this depending on how old the debt is, if it is an old one and they have tried to collect on it before they may be reluctant to call it back. It is worth a try but you may end up dealing with the collection agency anyway. _________________ Working my way out of this debt, one day at a time!

fedupinpa
Moderator

Joined: 22 Jan 2007
Posts: 1666

Debtcc Points: 21403

Posted: Tue Oct 30, 2007 7:11 pm Post subject: Cach LLC colorado I am guessing

Jsut got a summins to appear for a debt that I owe. Now way to get in touch with them Anyone have ideas of how to get them?

Double T
Guest

Debtcc Points: 100

Posted: Thu Nov 08, 2007 8:13 pm Post subject: This is weird

On the 23rd of october the judge agreed to the summary of judgement from Cach. We thought that that was it & we couldn't fight it so there was no need to go to the hearing the following week. Apparently neither did cach's lawyer and today we recieved a order of dimissal in the mail signed by the same judge. Is this over???

DS
Guest

Debtcc Points: 100

Posted: Thu Nov 08, 2007 8:18 pm Post subject:

Wow u should always show up in court just for the fact of exactly what happened here! I''m not sure what this means exactly but sounds to me like it's being dismissed... doh huh? Do ya know what u were going to court for? Was it to give them ur financial info?? Or was it a garnishment hearing? CACH is one of the worst to deal with! But hopefully this is over for u! Plz keep checking back as someone with more knowledge of the law will be around to answer ur question! SOunds to me like it's been dismissed but i'm no atty and this is just my opinion. I will PM a couple of people who know more to come check out this thread! Ang _________________ You will not be punished FOR your anger; you will be punished BY your anger. --Buddah