CACH LLC - What are the consumer grievances against them?

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.

They don't sound like CACH LLC 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!

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

If the card listed is truly not his,I would go the id theft route to slam dunk this CACH LLC 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 CACH is stupid enough to persist after this,hire a lawyer & take them to the cleaners.

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 CACH, LLC has 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...?

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.

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?

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.

I pulled my husband credit report and yeah... collect america cach llc collections 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!!!!!!!!!

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.

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

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).

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).

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.

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 them. 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. The attorney representing CACH LLC collection agency was told to provide me with info for doing this. Got letter from him 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?

Hate to say this, but they can sue and do. My sister just lost her case against them and went to court this month. She is now ordered to pay 8,900 dollars. She said they had come to an agreement of 75.00 a month. She thought everything was okay. Then she got a summons for court and was ordered to pay the sum in full. She is devasted. Good luck to you. Quote:

They do sue. My sister just lost a case to them and now owes 8,900. She and cach llc had come to an agreement of 75.00, so she thought. Next thing you know she recieves a court summons and after going to court, was ordered to pay 8,900 in full plus court costs. Is it too late for her to get any legal assistance? Can you appeal civil cases? Good luck to all of you.

Well, it's obvious they sue.

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Hi, Im a Paralegal and throughout the years I have worked with different types of law. Every state has different rules, but if you state the card is not yours you can go the clerks office where the case was filed( ask for the civil clerks office) and ask to see the file. Usually Attorneys send you a letter in the mail advising you to contact them within 30 days as required by law to discuss, if not then they proceed against you. When a complaint is filed against you the attorney filing MUST produce the original contract/agreement or whatever you signed stating that in fact you are that person....there is no way around this...the court file at the clerks office will have a copy of this information since when wttorneys file a copy has to stay in the file. Once you are there you may ask to get a copy of some or all of the documents in the file ( they may charge you for copies) and take a look at what happened....it is so important you do not disregard this as this may cause even more problems....if you have a job you can get your wages garnished or a lien placed on your house, they can make you sell property like a motorcycle that is paid off etc depending on how much they skiptrace you ( a process by which they find out everything you own, where uou live, your family etc.) and how far their client is willing to go with this. Once their is a judgement issued against you chances are there is no way back and you can still have up to 45 days in some states to get an attorney and represent you and MAYBE avoid getting wages garnished etc....what I will tell you is it is LEGAL to call a debtor anywhere where they think that person might be, what is not legal is to call harrasing at a workplace, etc...if you tell them that they cannot callk your job they have to ceast and decist, if they do not then they can be fined byt he government such as long as you report them ( you can screw the attorney over by telling the govt, they have to keep phone records down the second of every attempt they make to contact you) and your family can simply say " Jane Doe" does not live here anymore, do not call....that does nto work, send a letter in writing to them via certified mail rerurn receipt ( so you have proof someone signed for it and they know you dont want any more calls since this is nto "jane does hosue"....they fail to follow through and remove the # you got proof to screw them over witht he govt...visit FTC.GOV website lots of good stuff there..hope this helps

sorry,but it is not legal to call anywhere they think the person might be.once it is established the person is not where they are calling.then they get the contact info then they really can't bother those people again.if they do then whoever they call that has nothing to do with the person or debt can sue the collector or agency for harrassment after the initial call.

CACH, LLC...yeah, I am in the middle of dealing with them as well. They filed a suit,..I had never heard of the company they are claiming I had a credit card with. I answered it denying everything, citing flaws in their claims and demanding proof of debt (as I had never been afforded an opportunity to respond prior to this suit being filed). I can't afford an attorney as I lost my job,...so I am working with the local legal aid group and intend to fight them all the way. They are cut throat third party debt collectors known for buying old debts for pennies on the dollar and then back dating them to avoid the SOL,....and then adding all these outrageous fees and costs. They use "bottom feeder ambulance chasers" (attorneys with less than successful legal practices and bad reputations) to file law suits all over the country,..and they are breaking laws and having lawsuits filed in district courts against them. They have had numerous judgements against them. As typically, from what I am hearing, they can not prove the debts they have tried to collect on. Make sure you document everything and make sure you advise the court,...call the court clerks and ask what to do if they are not taking your calls,..I'm sure this is just one of many tactics they use to frustrate people into giving up. I suspect I will have to deal with that soon as well and I am dreading it. They are a royal pain and causing me huge grief and stress as well....and I know the fight is just beginning. Good luck to you,...you're not alone! Jen

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I think Chrys is saying that it is a major blunder not to file for discovery, because at that moment youre basically telling the court that you accept whatever the plaintiff has already stated as proof. Filing discovery forces the plaintiff to produce actual documentation to support their claims--if they cannot, you are left in a perfect position to request dismissal with prejudice because at that point it is obvious that the plaintiff canot meet the burden of proof.

Jon,...you missed your true calling!!! Well that is what I thought,..but I was curious as to why he said that,...hopefully it was just an error on his part and he knows something we all don't. You have helped to clarify this.
Thanks!

Yes, skydivr is correct, that is what I meant. The basic question, though, was:
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Here is a great, very thorough, and informative website about creditor lawsuits and acting in your own defense:
"http://www.nedap.org/hotline/clbasics.html"

hey i need help too why isnt anyone catching to this , i have read all post and it seems they are fraud, i just signed up for a credit report and found a weird collections from them cach llc for $7463 dollars???? something that i purchased in april 2008 i definately never purchased a credit card that much ever!!!!!!! so what would be the step to take??? i want this off my credit report becouse it is totally false . i have never received calls or anything jus barely seeing this on my credit report. can anyone give me advice?

How exactly do these people get their information. I noticed on my credit report yesterday they did an inquiry on my account and used an addresss that i haven't lived at in 10 years. I don't know what this means. I sent them a letter and asked what was the reason for the inquiry because i have no credit cards and have never owned one. Do they collect for just credit cards or what? How long can the debt not go back? If you had an item in collection not credit cards and it has been deleted after seven years can they buy from the owner and try to sue you for it after 7 years?

i had an unusual situation in ohio today. was called by friend looking up people on internet and told of court date today. I went to court and this was to be Cach "default judgment day." Judge took me to his office called them, pulled out envelope theyd mailed (an address I never lived). he scolded them about not being there and indicated he should dismiss. Asked me if I worked, talked to them a little more. Told me to file an "Answer after date." gave another court date in two weeks told them to have rep present and said something bout "jury." What is all this< if they werent present for the "default" should it have been thrown out. Still dont know what its about. oN inet now at friends and can see where they sent something certified to 3 different addresses of which Ive never lived at any. No copies or anything to look at to see what this is about. Live in ohio. Can should this be dismissed?

Can they sue on a medical bill that is 11 years old.

My wife has a CC account that was charged off in 2008. She is now being contacted by a law firm, Wanderer Law P.C. to collect for CACH, LLC. We sent a Debt verification letter and they Replied with just copies of the statements. The last statement balance at charge off was about $2200. less what they are trying to collect. Also, the reply did not have anything showing the agreement from their client to collect the debt. nor the agreement with my wife's signature to promise to pay the debt. Then in their letter reply they show the original creditor as being Bank of America, and she never had a card from BofA. It was PNC Bank.
What should we do at this point.......

a few days before my mothers death this past sat I found in her mail a letter saying a judgement was awared to cach llc and now I find a letter for fees to lawyer she has to pay.I tried to call the day before her death to tell them she was in the hospital and in bad condition asking what this was about and they wouldnt give me any info. Do I call them and tell them she had since passed?

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Hello,
I received a letter that I have to go to court on 3/11/10 in RI. It says they are going to attach my wages on this day. It is a local lawyer representing cach. I owe many debts and have no idea if this is one of them or not. There is no information as to who the original creditor is or was. What should I do?
Thank You
Charles

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I also checked my husband's credit report, and found Cach LLC listed as one of the creditors. It states the original creditor is Credit One Bank. I don't recall us having any sort of card from that bank. Ever. Should I try to find a contact number for Credit One? How can I get proof that my husband or I opened that card account? If I don't make this payment to either Credit One or to Cach LLC, how do I get this negative item off my husband's credit report? Please advise.

Several years ago I accumulated a $20,000.00 debt to MBNA. after being unable to pay the debt a lawyer called James Anthony Cambece contacted me and told me that he had the debt and wanted a payment. After several attempts we settled on a $100.00 a month because at the time I was unemployed. I allowed him access to a checking account at the time. After several months I noticed that the payment was not being taken out of the account. I wrote him several letters askling him to take the money but to no avail. I have not heard from him or anyoone on his staff for 3 years, thenm I got a so called judgement from the NAF stating that they had awarded him a judgement of over $40,000.00 After some quick research I have learned that NAF is not what it appears to be. It is noting but a cover for a hedge fund and has had several judgements entered against them for fraud. Today I received a letter from an attorney in CT stating that he has been retained to collect a debt of $26,000.00 from me. I have contacted the attorney generals office in CT because apparently Attyt Cambece in not licensed to practice law in CT and my infact have violated the Fair Credit act by collecting my in CT. In fact until I received a letter from the NAF any contact that I had was from the law offices of Atty Cambece. One thing that I have not been able to find out is what is the SOL on debt in CT? The money is owed to MBNA and not Atty Cambece, he has never supplied confirmation of the debt or whether or not he has purchased the debt from MBNA

I am in the process of filing a camplaint against Atty Cambece in CT and MA for practicing law in CT without a license. I am also preparing a complaint to the Atty Gen of CT concerning the NFA.

The debt is a combination of credit card and loan. It was a line of credit taken out in the 90's. I have never received a copy of any paperwork from Atty Cambece concerning his ownershi[ pof the debt. In fact since ready on your website about CACH I am thinking of filing a lawsuit against Atty Cambece for over this issue.

any help would be greatly appreciated

we started to receive letters in the mail address to no in our house, but only very slightly resembled my wife's name. They stated she owed over $5k in credit card debit, but she has never had a credit card through this credit card company. Now, after not hearing from them a year later we go to get preapproved and we can't because there's an open judgement against her in civil court. What do we do? I need this preapproval letter in two weeks!

go to this laweyers office and s999 him

CACH owns most of the debt they attempt to collect. So, legally, the original creditor cannot talk to you about the debt. The only thing they original creditor can do is give you the name (and probably number) for CACH.

I got sued by Sidney Mickell law office in california that represented CACH debt collector. I knew about that law suit when an employee from that law office called me threatiing and intimidating me. They let me know that I was sued by them and they sent me a SUMMONS that later was thrown on the floor of my front yard. It was a credit card debt owed to MBNA now Bank of America. I had paid an insurance in the amount of $173 on the credit card every month. I never signed with MBNA insurance any agreement on sickness conditions whatsoever. When I became sick and had a major surgery of prostate cancer, I notified MBNA of my sickness. MBNA never answered me. By meantimes MBNA merged with BOFA I continued to pay Bank of America the credit card every month every while I was in convalescence until february 2009 I stopped. I wrote a letter to the Chief Executive officer of Bank America letting him know about my claim that was filed with MBNA which was never answered over my insurance on the credit card. The BOFA Chief Executive Officer's office answered me and told me that they investigated the matter with MBNA and they told his office that the reason MBNA denied to honore the payment was because of pre-existing conditions in my case. I never knew about it or received any letter from MBNA denying my request. Bank of America Chief Executive Officer assured me in writting that the amount of the credit card has been WRITTEN-OFF and considered as a LOSS, that He would let me know in the future if they choose to SELL the debt to any third party. I never received any letter from BOFA to notify me of the selling of the debt to that CACH company that I never heard of. Five days after receiving the letter, I received many threating phone calls from Sidney Mickell law office telling me that if I did not pay them the amount of the debt owed to BOFA in 2 days now $ 6,000 instead of $ 11,000, they would make me pay all the juges, bailliffs, witnesses, members of jury a certain amount of money that woud make me broke for all my life, and they have the power to do so. I rushed to Bank of America with my letter from the Chief Executive Director and they told me that they did not do anything against me with the law office of Sidney Mickell law office. By fear I took the SUMMONS from my front yard and answered the Court. I went to the Preliminay Case Management to the Court as requested in a letter from that same Court. The Court told me in writting that the attorneys did not show up, that the Court had no date on the matter in their calendar. Later on I received an other letter from the Court letting me know that the date of my trial will be on september 8, 2010 without due process. What's going on?
I respectfully request your help on the matter and on what I should do. I don't have an Attorney, I am very sick.

email address: [EMAIL="jojamael1@netscape.com"]jojamael1@netscape.com[/EMAIL], phone 213-709-3062

If you're getting calls to your cell phone from an automatic calling machine, this is in direct violation of federal laws. You can research the case law Georgegin v Collection Services Bureau Inc. and it cost them over $1M for doing that. If they're going to call you, they better have a "live" person calling your cell phone.

PLEASE READ:I was very young when I had all my credit cards. Who trust a 20 year old with 6,000 dollars worth of credit? Anyways, I got over my head. All my other credit cards worked with me. CACH didnt. CACH tried to get money by scaring my family and I with unlawful tactics. I recorded them on paper (they hung up on me when i told them i was going to tape record the *since you have to tell them in CA for it to be admissable in court*). They ended up serving me papers. I replied to their service, and went to cout. THEY NEVER EVEN SHOWED UP. The judge fined them for missing their court date, and said if they miss mediation, the case will be thrown out. Dont listen to their debt collectors. Its all scare tactics. Just make sure a write down all their unlawful tactics. And *reply* if they serve you.My debt was 2776. Theyre not going to fly all they way from Denver to go to court for such a small amount of money. Im sure they bought the debt for less than a 1000.

got news for you.chances are they didn't pay more than 200.00 for that 2776.00 debt.these places buy debts for pennies on the dollar.glad you beat them though.congrats on that as i love it when these places get nothing,and get fined to boot.

i live in denver and no address is right they have no right number my guess its a fraudulent company

no way jose

I think the government should stop debt collectors from purchasing accounts pennies under dollars.
Like isn't enough someone credit has being damage by the original creditor this collectors also file the same claim on your credit report.

I think the government should make the creditors Banks, credit cards and others collect their Debt.

Good opinion :-)

CACH is part of or same as Square Two Financial now