What should I do if CACH LLC sues me?

From what I have read you need to respond to Cach, LLC summons asap. They do sue. Have you asked for a debt valiation in regards to this debt? What have you done since you were notified of this debt or is this the first you have received from them?


ladybug

Hi and welcome to the forums

First, when you say a long time ago, how long back was it? There is a statute of limitations that may have expired here.

Also, what state do you live in? The states each have their own SOL laws, and each is different.

But ladybug is correct--you can send a debt validation letter to Cach LLC. by all means, answer the summons, because if you do not, they will get a default judgment against you. If you like, you can posat up what the summons actually says in here and we will help you draft an answer to it.

Usually, you have 20 days to respond in writing to a summons, if that is what you have. Do respond, even if it says no written response is needed. You will get help here. As someone else mentioned, Cach, LLC will sue. They live for it. So best to be "armed" and ready for them. Do not ignore this summons. They would love it if you did so they can get a quick default judgment.

Here is what i've got for answering a Cach LLC Collection Agency summons! Make sure u answer it, that's VERY important...
Here is what a summons is and how to answer it:




Hope this helps and good luck, let us know how it goes,
Ang

I did not borrow the money from these people. How can I legally owe them for something they didn't loan? If they bought my account,they probably paid pennies on the dollar for it. If so, wouldn't that be what they could legally try to collect?

You didn't borrow from a junk debt buyer but regardless of what they paid for it, Cach LLC Collection Agency can still legally attempt to collect. Now its on you to fight it if they are suing. Answer any summons, deny everything, make counter-claims and make them prove it. You don't owe it until the judge says you owe it.

My summons from cach llc collections, states that Washington Mutual Bank was the issuer when in actuality it was Providian who issued the card. Would a detail like this give me the right to deny the allegations in this paragraph?

WaMu purchased providian in '02 or '03 I beleive but you have the right to deny anything regardless. What state do you live in? When was the last time you paid on the account? This may be time-barred for suit.

I live in Michigan and it has been over 3 years. I was actually going through a debt consolidation company to take care of things quickly at the time, but I got laid off and couldn't find work that paid enough for me to keep up on bills. I've just been trying to get my life back in order (going to school full time, cutting back on personal expenses, etc) to keep this from happening again, and maybe even work with some old collectors about taking care of the old debts when I'm in a better situation.

Another question:
I talked to the law firm Cach LLC has hired for the lawsuit and offered to pay $100/month until I was done with school in 2 years, and then increase my payments, and they refused, saying it wouldn't even cover the interest. Can I bring this up in court, and will it make a difference?

my husband was served this evening with papers from the county court for unpaid credit card account listing cach llc as the plaintiff, using a lawyer in Houston, TX. (We live outside Houston also in Texas) The original creditor is listed as Chase Manhattan bank. He has never had a card with the company listed. We have sent letters to two different law offices that had contacted us regarding this stating that we had no knowledge of the account and requesting validation. We never received a response. This is not one of the two. He had been receiving phone calls threatening him until he logged them in work cell phone as "do not answer". I was under the understanding that a collection agency could not sue for collection of a third party debt. Only the creditor could sue. How is cach doing this? From reading i know we need to respond, but what is the next step? do i send a letter to this new lawyer now too?
thanks for the help.

i had a credit card from bank of america and i defaulted but i thought i had agreed to settle shortly after that. however, i didn't keep copies of any canceled checks or receipts if i did. so now Cach LLC Collection Agency has purchased my so-called "debt" and is suing me. i received a summons yesterday and this is what the complaint says:

Now comes the Plaintiff, CACH, LLC, by and through their attorneys, Law Office of Keith S. Shindler, Ltd., and complaining of the Defendant, states as follows:

1. The Defendant entered into a credit card agreement with Bank of America whereby defendant received a credit card, account #xxxx and could charge goods and services to their account and receive cash advances.

2. The Defendant subsequently defaulted by failing to pay the indebtedness incurred resulting in the balance due to the Plaintiff in the amount of $xxx

3. For good and valuable consideration, Plaintiff is the assignee of Defendant's credit card agreement and account.

4. Due demand has been made on the Defendant to pay this amount and the Defendant has failed to do so.

5. Under the terms of the cardholder agreement, defendant shall, in the event of default, pay Plaintiff's reasonable attorney fees of $350 incurred in attempting to collect the loan.
----------------------------------------------------------------
so there are no dates included in this complaint but i looked on my credit report and i opened the account on 4/1/2003. the illinois statute of limitations for open-ended accounts is 5 years. however, the report also shows i was 120 days past due in august of 2005. so i don't think the statute of limitations pertains in this case (even if i still owe the debt). i know i need to reply to this by either myself or my attorney appearing in court, correct? if anyone has any suggestions or has been through a similar process with success, please let me know. thanks--emily

This would fall under the 10 year SOL for written accounts

I'm being sued by CACH LLC too and my husband and I have our court date next week. I'm scared because I don't know what to expect. What should I do to prepare for this? We don't have a lawyer, so I don't feel as confident. Thanks!

make agreement to pay Cach LLC monthly and do not default because if you do they will garnish your bank account and place of employment. Let the judge see that you are totally willing to pay the bill.

I read in an above post that you would draft up a response to a summons. I am being sued by CACH,LLC and need help in responding to the summons. Can I get some help if I post my summons on this site?

John, post it, Nascar, Skydiver or someone with more experience will be along to assist you.

I received a letter from the IRS wanting taxes on a debt CACH LLC cancelled wanting taxes. How do I find out want debt this was?

You will likely have to conatact CACH in order to determine what debt they wrote off. Do you have an old credit report that showed CACH on it?

There's a great article about how to respond to a summons brought on by a third-party debt collector such as Cach, it got me started in the right direction, Google "How To Answer a credit card debt Lawsuit" and you'll find it. Good luck!

Need help regarding these guys.

they have started garnishing my paycheck, the debt they say I owe is over 7 years ago, I live in alabama and the statue says 3 to 6 years so why are they garnishing my check

Confused, were you served a summons to appear in court? If so and you ignored it, they won a judgement by default against you. Check with the clerk of courts to see when and where you were served. If you weren't served properly, you may have the judgement tossed out.

I had a Bank of America CC account but hadn't heard anything on it in years. Last night I found my checking account overdrawn by $19,000 (I had $16 in there) and called Citizens Bank. They had me call one number that had me call another, who then told me I needed to contact CACH llc.

What do I do. I don't even know where they sued me?

MY MOTHER GOT SUMMONS AND SHE NEVER HAD A ACCOUNT WITH THEM DIDNT HAVE NO IDEA OF WHY SHE GOT SUMMONS SHE WILL BE IN COURT DECEMBER WE ARE IN

So, this company is suing me too! and they put a HOLD on my bank account with out ever sending me a letter! what do i do? can i get my money back? i have a judgement against me right now as far as i can see on this letter dated 10/7/08

So, this company is suing me too! and they put a HOLD on my bank account with out ever sending me a letter! what do i do? can i get my money back? i have a judgement against me right now as far as i can see on this letter dated 10/7/08

please email me for help!!! email deleted..paulmergel

elana please do not post personal info on a public forum.register and you can PM other members.

Got a letter do not know what to do. Order granting good cause and extension of time. This cause having come to be heard on the plantiffs affidavit of good cause and the court being fully advised in the premises it is hereby. ordered and adjudged that the plantiffs affidavit is granted and that the plantiffs counsel has justified good cause as to why this cause should not be dismeiised due to lack of prosecution therefore keeping this case active and extending an additional 120 days to perfect service on defendant.

Well I received the summons almost a year ago, answered it and appeared in court only to be given another court date each time. I showed up this morning and my court date had been cacelled by CACH, LLC because I hadn't answered to them and they now have a default on me, are you serious? I recieve no phone calls from them and do not get anything they send in the mail, I get everything from the court. I called them and the first girl who answered said "no, you have a court date today" then I was transfered to some legal general manager who proceeded to tell me that I defaulted and need to pay them, she was not nice and made assumtions and called me on an untrue statement (what?), told me my offer to pay was not good enough and to borrow the money. Ok I'm in court for a debt and the bank will lend me money, where do you bank? SNAP BACK TO REALITY and turn on your tv, have you seen the state of the economy? she got all hot headed and I said I will not talk to her anymore because there is no one to back me up on the phone like there is in a court room. I will not pay them anything unless and agreement is made in court.

can anybody tell me an address for cach llc....or is collect america the same people...I want to send them a letter but I dont have anything with an address. only thing I have received is a letter from byck with cach llc on it.

Today,I open up the mailbox and saw an envelope for me. I open it up and its a court paper "Request for entry of Default" on my credit card I owe like 4 to 5 years ago. The complaint was filed on 12/2/08 by CACH,LLC,but I just received it today. what should I do? The paper says request for entry of default and request for a court judgement....Do I have a court day setup? Or can I still make an arrange to pay them instead of going to court..?onfuse!!!REALLY! any suggestion!HELP!

Guest, check with the clerk of the court in your county to see if your have been sued and when and where the summons was sent. These scumbnags have been known to send false information to the courts.

Has anyone deal with the Law offices of Alan M. laskin in sacramento,ca? They are representing CACH,LLC on my case.
They had said an official of the court had came to my place and I had sign a papers.But I never did..So now, I am thinking how did I sign papers when I never saw any official or anyone bring any kind of papers to my house for me to sign or just to give it to me.
My husband had ask them to sent to papers that were supposedly sign by me through mail and the guy on the phone said he doesn't have the paper in his hands....Awkward.
But yesterday I got a Request for Entry of Default and request for a court judgment. There is no set date nor the area where the court use only is blank. Is this a Summon or is it in process of heading for a summon? Please help me? Thanks so much! Any response will be greatly appreciated.

You might have to go down to the courthouse to obtain a copy of the case file. Pay special attention to method of service. If you were not properly served, then you can file a Motion to Vacate based on improper service.

I received a letter from an attorney in Miami representing Cach, LLC regarding a WaMu CC I defaulted on. I am not currently working since I was laid off from my job. My husband is working but we are struggling with his pay cut. We are considering bankruptcy because we can barely afford the necessities. Is it too late to put this in bankruptcy if it they are already taking legal action? They sent me a form (Fact Information Sheet) to fill out which asks for my husband's place of employment, as well as his SS#. I guess this is so they can garnish his wages? Can they do that?

if you haven't included this and you haven't filed yet check with your BK attorney.once you file all lawsuits,judgements,garnishments go bye-bye.even if they are in the enforcement process.

i was served in the state south carolina civil action i guest a summons being sue by cach,llc. i am lost onthis the lawyer told if i didnt pay that i would be going to court. this account was with maryland national bank n.a back i 1998 i bought a computer. i got behind on the payment . i was making late payment. in 2005 of september a collections agent by the name phillip and cohen i made payment arrangement with them. paid them for 1 year then they stop the payment and gave it to another collections and things didnt go right with them they didnt want a payment they wanted all the money at once. i never heard from them. then in 2009 i got this summons , from a lawyer in south carolina . i never had a credit card with this bank i only had credit approved to buy a computer. i just dont know what to do. i went to the clerk of court where they file the complaint. the narrtive read credit cardthe amount on the summons is $ 1658.93 when i paid it in 2006 my balance was $1115.24. the lawyer says that i can pay 1300.00 to settlement but he want take payment,

Went to mail box and a letter from a so called professional negotiator called Ferrey & Nicholas claiming a suit was filed against me by CACH.I called the courthouse and they were correct.

Never heard anything at anytime from CACH or the their so called law firm about any bill,they just filed papers that I have yet to be served.How can a third party know about this before I am served and are they working together and how can they file without ever contacting me? The last payment was 4 years ago and it's time has passed here in Pa but a Lawyer told me that it doen't matter.What should I do?I know how big of crooks CACH is.

Hi,

I am currently being sued by CACH LLC but the Account Information Report/Exhibit B has incorrect account numbers listed. What should I do? Can I use this as a defense? I've contacted the attorneys and asked that they provide me with information on the original CC# but they have failed to respond. None of the CC# that I have gotten match up with the actual card # or number on my statements.

Please help!

File a Motion for Discovery, for assistance contact your county court.

cach has internal account numbers that will appear as well as an account number that is given by the bank when the account is purchased. If the original creditor is Bank of America, MBNA or Fleet the bank changes the original account number at the time the account is charged-off. You should file your Motion for Discovery and request an affidavit of account numbers be provided

I received a credit card from BoA in 2007 with a limit of $1000. I maxxed it out. I would make payments when I was able I don't have the receipts or statements any longer. I was served a summons that CACH,LLC are sueing me to the sum of 2262.23 and they also state that the credit card was through MNB and that it had been issued on 10/08. I have never received a card from MNB and like I said I did make at least 4 or 5 payments totaling around $800. Now I do know that there are late fees interest but I'm not sure what to do when 1: the card wasn't issued in 08' 2: the limit was $1000 and it was maxed out and payments had been made. The last was made in 1/08. My last question is will the original bank in which I received the card from have copies of all statements and payment dates and amounts? I did talk to the lawyers that are handling this on CACH,LLC's behalf and explained to them that I had no income. What should I do I desperate!

A default judgement has been put on me for a credit card debt by attorney representing Cache LLC. I live in Texas. What are my options at this point, if any? Judgement filed in 06" for $13,000.00 with interest and penalties. It just showed up on public records beginning of this year?

Call your local county court, find out which county court issued it, and File a Motion to Dismiss for Improper Venue (ask the court how).

I just recieved my 3 in 1 credit report because my huband and I are wanting to buy our first home. This is the first time I have seen that we have been sued by CACH LLC. The date of this is back in 2007. I have not recieved anything from anyone stating we have a judgement against us. I am not sure if Florida is a state that you cannot garnish wages however, ours have not been garnished and we haven't paid them. I have no idea what to do about this.

This is an old debt, I tried to work with MBNA and they were horrible...I have a box of information, but am scared to death to go into court...
Is there someone that could get to represent me without me having to pay?

Guest,

Call the court and file a Motion to Dismiss due to Improper Venue.

Sharart,

Inquire with the court about Legal Aid.

all these posts about alan laskin is suing me are BULLSHIT. They are just Alan M Laskin trying to scare all the millions of people he calls all day every day into giving him money. He is foul to the core with no shame when it comes to harassing little old ladies and single mothers.

Just send him a cease and desist letter like I did and he will go away.

You can tell they all come from someone NAMED anonymous with the exact same number of posts on every post, even though all the stories are different.

I AM being sued by this Alan Laskin. I recieved a summons that has no proof that I owe them other than a copy of a monthly statement from a credit card account and a ridiculous affidavit that states that all other documents pertaining to this account have been destroyed or lost. Convenient huh? I plan to get an attorney first thing monday and fight this. Not only that but I searched collection companies that are licensed to collect...and they are not listed. go figure...no CACH, LLC or collect america other than one that has the incorrect address and is pending renewal as of 2008. So GAME ON CACH,LLC....anyone have any input or advice?