George Simons | December 06, 2023
Edited by Hannah Locklear
If you are being deluged with harassing phone calls and correspondence from debt collection companies like Cach LLC, you may be feeling overwhelmed and anxious about the future. You may be concerned that Cach LLC will do something to irrevocably harm your credit and overall financial well-being. The SoloSuit team understands how you are feeling, which is why we want to assure you that there is light at the end of the tunnel.
You have rights when being contacted by a debt collection company and there are certain affirmative defenses you can raise to prevail over Cach LLC in court, if they decide to escalate the situation and file a lawsuit.
Sued by Cach LLC? Settle your debt before going to court.
Why is Cach LLC threatening to sue me over an unpaid debt?
Many people are surprised, or even shocked, when they receive a letter or phone call from Cach LLC, a company they have never heard of and never transacted with in the past. If you have never heard of, or know anything about, Cach LLC, you are not alone. In fact, there is a very good chance that you've never actually engaged in a purchase or taken out a loan directly from Cach LLC. Instead, Cach LLC is a company that goes out and purchases unpaid debts from large creditors and financial institutions.
Basically, Cach LLC will buy unpaid debts for pennies on the dollar, then turn around to unleash a team of debt collectors to try and get the outstanding debts repaid in full. When an unpaid debt is repaid, Cach LLC turns a major profit.
If you or a loved one is being forced to endure harassing phone calls and correspondence from a debt collector like Cach LLC, or were served with a collection lawsuit, do not give up hope or succumb to the harassment. Instead, take action by utilizing the resources available through SoloSuit. We assist consumers who are being hounded by debt collectors and taken to court in debt collection lawsuits. We've compiled relevant information that helps demystify the process associated with debt collection lawsuits so you know what to expect and what steps you should take to protect your rights against a debt collection company like Cach LLC.
How to resolve a debt lawsuit against Cach LLC
A debt collection lawsuit typically begins when the creditor (i.e. Cach LLC) files a formal Complaint against you. The creditor will likely allege that you owe a specific amount as an unpaid debt, in addition to interest, late fees, attorney fees, and court costs.
Once Cach LLC files the lawsuit, they will likely hire a processor to serve you with the Complaint, along with a court summons. Once you receive the Complaint, it is extremely important to respond to the court summons by drafting and filing your “Answer” to the Complaint.
Ignoring the Complaint is not recommended. Why? Because if you neglect to respond to the Complaint, then Cach LLC will have the right to file a motion seeking a default judgment against you. If the court grants the default judgment, Cach LLC will be empowered to:
- Freeze the money currently in your bank account;
- Garnish your wages; and
- Put a lien on your property
Do not let this happen to you. Take action and respond to the Complaint.
SoloSuit makes it simple to respond the right way.
These common affirmative defenses can help you win your case
When responding to the allegations contained within Cach LLC's Complaint, you are provided with an opportunity to highlight some of the glaring deficiencies in the lawsuit to the court. Keep in mind, in a debt collection lawsuit, the creditor carries the burden of proving that you are in fact liable for the amount of the debt purportedly owed. As a result, you should demand that Cach LLC produce evidence that establishes the following:
- You are in the fact the individual responsible for repaying the debt;
- The debt collector has the legal right to take legal action against you; and
- You owe the specific amount listed in Medicredit's Complaint
If Cach LLC does not have the requisite evidence to prove these basic factual elements, then there is a good chance you will prevail over Cach LLC in the lawsuit.
SoloSuit helps you make the right defense the right way.
If applicable, you should also consider the expiration of the statute of limitations as an affirmative defense. The statute of limitations is essentially the amount of time someone has to take legal action against another person or company. If the facts of your case indicate that Cach LLC filed a lawsuit after the expiration of the statute of limitations, you could file a motion to have Medicredit's debt collection lawsuit dismissed with prejudice. SoloSuit can help you navigate this process and in completing the necessary documents that should be filed with the court.
Settle your debt with Cach LLC
Debt settlement is a great way to resolve your debt with Cach LLC and avoid going to court.
In a debt settlement, you offer your creditor a portion of the total amount due, usually at least 60% of the debt’s value. In exchange for a lump-sum payment, the creditor agrees to drop its legal claims against you and release you from the remaining balance.
Cach LLC may consider negotiating a debt settlement if you promise to make a lump-sum payment and clear the remaining amount within a short period. Because of this, debt settlement usually works best if you have some cash saved or expect to receive some money soon.
Settling your debt helps you avoid a judgment and wage garnishment. You’ll save some money and move on from this challenging experience.
If you decide to settle your obligation, you’ll want to ensure you get the terms of your agreement in writing and pay the creditor before your court date. If you’ve never tried debt settlement before, consider working with a professional organization that will guide you through the process.
To learn more about how to settle a debt with Cach LLC, check out this video:
What is SoloSuit?
SoloSuit makes it easy to fight debt collectors.
You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.
SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.
>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate
>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)
How to Answer a Summons for debt collection in all 50 states
Here's a list of guides on how to respond to a debt collection lawsuit in each state:
The Ultimate 50 State Guide
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont; Vermont (Small Claims court)
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Guides on how to resolve debt with every debt collector
Are you being sued by a debt collector? We’re making guides on how to resolve debt with each one.
- 11 Charter Communications
- AAA Collections
- Aargon Agency Inc
- Absolute Resolutions Investments LLC
- ACEI Collections
- Account Services
- Accredited Collection Services
- Accredited Collection Services
- Advanced Recovery Systems
- AES NCT
- AFNI Collections
- Alco Capital Group LLC
- Aldous and Associates
- Alliance Collections
- Alliance One
- Alliant Capital Management
- Alpha Recovery Corp
- Alltran Financial
- Alltran Health
- Alorica Inc.
- Amcol Clmbia in Court
- American Coradius International
- American Profit Recovery
- American Recovery Service
- Americollect
- AmSher Collection Services
- Apelles LLC
- AR Resources
- ARC Collections
- ARM Solutions
- Arrow Financial Services
- ARS National Services
- ARSC Debt Collectors
- ARS National Services
- ARstrat
- AscensionPoint Recovery Services
- Asset Acceptance LLC
- Asset Recovery Solutions
- Associated Credit Services
- Atlantic Credit and Finance
- Atradius Collections
- Automated Collection Services, Inc.
- Autovest LLC
- Avante USA
- Avantus
- AWA Collections
- Balekian Hayes
- Bay Area Receivables
- BCA Financial Services
- BC Services
- Benuck and Rainey
- Berlin-Wheeler
- Bluebonnet Financial LLC
- Bonneville Collections
- Bull City Financial
- Bureaus Investment Group
- Cach LLC
- Caine and Weiner
- Capio Partners
- Capital Accounts
- Capital Collections
- Capital Management Services
- CardWorks
- Carmel Financial/New Coast Direct
- Cavalry SPV I LLC
- CBCInnovis
- CBCS Collections
- CBE Group
- CBV Collections
- CCB Credit Services
- CCS Collections
- CCS Offices
- Central Mediation Services
- Central Portfolio Control
- Cerastes LLC
- Choice Recovery
- Choice Recovery Inc
- CKS Financial
- CKMS Financial
- Client Services
- CMRE Financial Services
- COAF
- Coast Professional
- Comenity Bank Debt Collection
- Commonwealth Financial
- ConServe Debt Collection
- Consumer Collection Management
- Contract Callers Inc
- Convergent Healthcare Recoveries
- Convergent Outsourcing
- Couch Conville & Blitt
- Covington Credit
- CRDT First
- Credco in Court
- Credence Resource Management
- Credit Bureau Systems
- Credit Control Corporation
- Credit Management Company
- Credit Management LP
- Credit Systems
- Credit Systems
- CSIEZPay
- CTC Debt Collector
- CVCS Debt Collection
- Cypress Financial Recoveries
- D&A Services
- Daniels, Norelli, Cecere & Tavel P.C.
- DCM Services
- Debt Recovery Solutions
- Delanor Kemper & Associates
- Department Stores National Bank
- Direct Recovery Associates
- Discover Collections
- Diversified Adjustment
- Diversified Consultants
- Diversified Recovery Bureau
- DNF Associates, LLC
- Dodeka LLC
- DRS Credit
- Dynamic Collectors
- Eagle Loan
- Eagle Accounts Group, Inc.
- Eastern Account System
- EduCap
- Ellington and Associates Collections
- Encore Capital Group
- Enerson Law
- Enerson Law LLC
- Enhanced Recovery Company
- EOS CCA
- ERC Collections
- ERSolutions
- Estate Information Services
- Equable Ascent Financial
- Everest Business Funding
- Executive Credit Management
- Faber and Brand
- Factual Data
- Falls Collection Service
- FBCS
- FCO Collections and Outsourcing
- FIA Card Services
- fin rec svc (Financial Recovery Services)
- First Federal Credit Credit Control
- First Financial Bank
- First Portfolio Ventures LLC
- First Progress
- FirstPoint Collection Resources
- Firstsource Advantage
- FMA Alliance
- FNB Omaha
- Forster & Garbus
- Franklin Collection Services
- Freedom Plus
- Freshview Solutions
- Frontline Asset
- Frost Arnett
- Fulton Friedman & Gullace LLP
- Galaxy International Purchasing, LLC
- GC Debt Collection
- GC Services
- General Revenue Corporation
- GLA Collections
- Glass Mountain Capital
- Glasser and Glasser
- Global Credit Collection Corp
- Global Trust Management
- GMAC Financing
- Golden 1 Credit Union
- Grant and Weber
- Grant Mercantile Agency
- Gulf Coast Collection Bureau
- Gurstel
- Halsted Financial Services
- Harris and Harris
- Harvard Collection
- Harvest Credit Management
- Helvey and Associates
- Hollis Cobb
- Holloway Moxley
- Hosto Buchan
- Howard Lee Schiff
- H&R Accounts
- HRRG
- Hudson & Keyse LLC?
- Hunter Warfield
- IC System
- Impact Receivables Management
- Innovative Recovery
- Integras Capital Recovery LLC
- Javitch Block
- JHPDE Finance 1 LLC
- JP Receivables Management Partners
- JPMCB card
- Kenneth Eisen and Associates
- KeyBank student loans
- Kinum
- Kirschenbaum, Phillips & Levy P.C.
- KLS Financial Services
- Kramer & Frank
- Lakeside Collection
- Lending Club
- Lincoln and Morgan Kabbage
- Linebarger Goggan Blair & Sampson LLP
- Lockhart Collection Agency
- LJ Ross Associates
- LTD Collections
- Malcolm S. Gerald and Associates
- Malen & Associates
- Mandarich Law Group
- Mannbracken
- Marcam Associates
- MARS Inc. Collections
- MBA Law
- MCA Management Company
- McCarthy, Burgess & Wolff
- Meade & Associates
- Medicredit
- Mercantile Adjustment Bureau
- Merchants Credit Association
- MGM Collections
- Michael J Adams PC
- Midland Funding LLC
- Mid-South Adjustment
- Monarch Recovery
- Monterey Financial
- Moss Law Firm
- Mountain Land Collections
- MRS Associates
- MRS BPO
- MSW Capital LLC
- Mullooly, Jeffrey, Rooney & Flynn
- Nathan and Nathan PC
- National Collegiate Trust
- National Credit Adjusters
- National Credit Care
- National Credit Systems
- National Enterprise Systems
- National Recovery Agency
- National Recovery Solutions
- Nationstar
- Nationwide Credit
- Nationwide Recovery Services
- Nationwide Recovery Systems
- NCEP LLC
- NCO Financial Systems Incorporated
- North American Recovery
- Northland Group
- Northstar Capital Acquisition
- Northstar Location Services
- NPAS
- NRC Collection Agency
- Oliver Adjustment Company
- Oliphant Financial, LLC
- Oportun
- P&B Capital Group
- PCB Collections Agency
- Palisades Collection LLC
- Pallida LLC
- Paragon Contracting Services
- Paragon Revenue Group
- Payday Loan Debt Collectors
- Pendrick Capital Partners
- Penn Credit
- Perdue Brandon
- Persolve LLC
- Phillips & Cohen Associates
- Phoenix Financial Services
- Pioneer Credit Recovery
- PMAB LLC
- PRA Group, Inc.
- Pressler, Felt & Warshaw LLP
- Prestige Services, Inc.
- Prince Parker and Associates
- ProCollect
- Professional Finance Company
- Progressive Management Systems
- Provest Law
- PYOD LLC
- Quaternary Collection Agency
- RAB Collection Agency
- Rash Curtis and Associates
- Radius Global SOL
- Radius Global Solutions
- Rawlings Company
- Razor Capital
- Real Time Resolutions
- Receivables Performance Management
- Regents and Associates
- Reliant Capital Solutions
- RentGrow
- Resurgent
- Resurgent Capital Services and LVNV Funding
- Revco Solutions
- Revenue Enterprises LLC
- Revenue Group
- RGS Financial, Inc.
- RMP LLC in Court
- RMP Services
- RS Clark and Associates
- RSIEH
- RSIEH
- RTR Financial Services
- Rubin & Rothman
- Salander Enterprises LLC
- Samara Portfolio Management
- SCA Collections
- Scott Parnell and Associates
- Second Round Collections
- Second Round Sub LLC
- Selip & Stylianou LLP
- Sequium Asset Solutions
- Sessoms and Rogers
- Sherman Acquisition
- Sherman Financial Group
- SIMM Associates
- Source Receivables Management
- Southern Management Systems
- Southwest Credit Group
- Spire Recovery Solutions
- SRS Company
- Stark Collection Agency
- State Collection Service
- Stenger and Stenger
- Stillman Law Office
- Summit Account Resolution
- Sunrise Credit Services
- Superlative RM Debt Collector
- Suttell and Hammer
- Synergetic Communication
- Synerprise Consulting
- The Law Office of Michael J Scott
- Trellis Company
- Troy Capital
- TRS Recovery Services
- TrueAccord
- Tulsa Teachers Credit Union
- UCB Collection
- UHG 1, LLC
- Unifin
- Unifin Debt Collector
- Unifund
- Universal Credit Services
- US Bank Collections
- USAA collections
- USCB America
- Valentine and Kebartas
- Valley Servicing
- Vance & Huffman LLC
- Van Ru Credit Corporation
- Velo Law Office
- Velocity Investments
- Viking Client Services
- Wakefield and Associates
- Waypoint Resource Group
- WCTCB
- Weinberg and Associates
- Weltman, Weinberg & Reis
- Westwood Funding
- Williams and Fudge
- Wilshire Consumer Credit
- Wolpoff & Abramson
- Worldwide Asset Purchasing
- www.AutomotiveCredit.com
- Zarzaur & Schwartz
- Zwicker & Associates
Resolve your debt with your creditor
Some creditors, banks, and lenders have an internal collections department. If they come after you for a debt, Solosuit can still help you respond and resolve the debt. Here’s a list of guides on how to resolve debt with different creditors.
- American Express; American Express - Debt Collection
- Bank of America
- Barclay
- Best Buy Credit Card
- Capital One
- Chase
- Credit One Bank
- Old Navy Credit Card
- PayPal Synchrony Card
- Regional Finance
- Retailers National Bank
- Reunion Student Loan Finance Corporation
- SYNCB/PPEXTR
- Synchrony Bank
- Synchrony Walmart Card
- Target National Bank
- Webbank
- Wells Fargo
- Can I Pay My Original Creditor Instead of a Debt Collection Agency?
- Can I Settle a Debt with the Original Creditor?
Settle your medical debt
Having a health challenge is stressful, but dealing medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.
- Am I Responsible for My Spouse's Medical Debt?
- Do I Need a Lawyer for Medical Bills?
- Do I Need a Lawyer to Fight Medical Bill Debt?
- Does Bankruptcy Clear Medical Debt?
- How Much Do Collection Agencies Pay for Medical Debt?
- How to Find Medical Debt Forgiveness Programs
- Is There a Statute of Limitations on Medical Bills?
- Medical Debt Statute of Limitations by State
- Summoned to Court for Medical Bills — What Do I Do?
- Summoned to Court for Medical Bills? What to Do Next
Guides on arbitration
If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.
Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.
- How Arbitration Works
- How to Find an Arbitration Clause in Your Credit Agreement
- How to Make a Motion to Compel Arbitration
- How to Make a Motion to Compel Arbitration in Florida
- How to Make a Motion to Compel Arbitration Without an Attorney
- How Credit Card Arbitration Works
- Motion to Compel Arbitration in California
- Sample Motion to Compel Arbitration
Stop calls from debt collectors
Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.
- 1-800-390-7584
- 800-289-8004
- 800-955-6600
- 8009556600
- 877-366-0169
- 877-591-0747
- 800-278-2420
- 800-604-0064
- 800-846-6406
- 877-317-0948
- 888-899-4332
- 888-912-7925
- 202-367-9070
- 502-267-7522
Federal debt collection laws can protect you
Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.
- 15 USC 1692 Explained
- Does the Fair Credit Reporting Act Work in Florida?
- FDCPA Violations List
- How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)
- How to Make a Fair Debt Collection Practices Act Demand Letter
- How to Submit a Transunion Dispute
- How to Submit an Equifax Dispute
- How to Submit an Experian Dispute
- What Debt Collectors Cannot Do — FDCPA Explained
- What Does Account Information Disputed by Consumer Meets FCRA Requirements Mean?
- What does “meets FCRA requirements” mean?
- What does FCRA stand for?
- What is the Consumer Credit Protection Act
