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Introduction:

Many folks are surprised when they are sued by a company that they have never heard of. It is not surprising that you have never heard of CACH LLC. CACH LLC is a debt buyer for unpaid debts from large creditors such as Avant or Citi. We review many lawsuit cases per year where the company sues an individual for unpaid debt. Because CACH LLC is so litigious, we are writing this article to provide insights about the company and provide information if you have been sued or if you just received a letter that CACH LLC is now handling your debt. If you have not yet been sued by CACH LLC, you may consider reading when creditors sue to see whether you may be at risk of lawsuit.

We see CACH working with such creditors as Avant, Bank of America, Capital One, Wells Fargo, and OneMain Financial to mention a few.

It’s important to understand how this firm works, so that you can be prepared to deal with them if they purchased your debt or just handed you suit paper. We would also love to provide free feedback how to work with CACH LLC or talk to you about how we may be able to settle for less than owed, so feel free to write me (Ben) with any questions or setup time with me for a quick call.

Who is CACH LLC?

You may have received a collection letter and are asking yourself, “Who is CACH LLC?” CACH LLC was part of Square Two Financial for many years. In 2017, Square Two filed for bankruptcy and much of their portfolio was sold to Resurgent Capital Services. As Resurgent purchased much of the portfolio, the CACH LLC Phone number may not be the best use of time. You can reach out to Resurgent Capital Services at (888) 665-0374.

CACH LLC appears to have a two sided debt collection model. We will go into both of those in detail.

Attorney Collection: This is the legal route. CACH LLC appears to have legal entities that it partners with in different states to sue consumers for unpaid debt. It’s unclear what percentage of the debt is sued on, but we see that it is a lot.

Debt Collection:  Fresh View or Fresh Start appear to be non-litigious collection agencies that work under the CACH LLC portfolio. If you are working with Fresh View or Fresh Start, the odds are good that there’s opportunity to settle for a better percentage versus the attorney collection side.

What can CACH LLC do to you?

CACH LLC has certain rights surrounding what actions can be taken for unpaid debt. Although, they are still bound by federal and state regulations. Let’s take a look at the statute of limitations, garnishments, and compare your options by entering your zip code below.

Why does some debt go to the attorney collection arm and some go to the general debt collection arm? This is unclear, but our hypothesis is that CACH LLC has a three pronged strategy when it comes to lawsuits:

  1. Are you in a state that allows wage garnishment, liens and levies (i.e. are they going to be able to enforce a judgement against you if they win a judgement)?
  2. Are you able to make a payment, but are unwilling to do so (i.e. there are payment propensity scoring systems that will state that person x has a higher percentage to pay than percentage y)?
  3. What is the cost / benefit analysis of the lawsuit (i.e likelihood of a win (do they have good data to validate the debt), how much debt is owed, unrecoverable court costs if they lose)?

We use this information to determine our own negotiation strategy. Feel free to write me or setup a time to speak with me (Ben) directly if you have any questions.

I’ve been sued by CACH LLC. What do I do?

The first thing I tell people when they’ve been sued by CACH is to understand that they are not the only ones that this has happened to, and we will get through this together. CACH is one of the more litigious creditors that we encounter. We also know that they will work with you, especially in times of hardship or need.

As a brief overview, a debt collection lawsuit generally begins when the creditor files a complaint with the state civil court and lists you as the defendant. The complaint provides the reason why the creditor is suing you and what the creditors wants to obtain in payment. Oftentimes this includes the money you owe plus interest and potentially late fees and the attorney fees and court costs.

The attorney representing the creditor or the creditor themselves will often notify you of the lawsuit by serving you paper. In other words, a copy of the complaint and court summons is delivered to you. The lawsuit information is often found readily available on County Superior Court websites.

If you do not answer the judgement, the creditor will seek a default judgement. With a default judgement, the creditor may do the following based on the state that you live:

  • Attempt to freeze money in your bank account
  • Put a lien on your property that you own
  • Garnish your wages.

This is why it’s important to respond to the summons as many creditors (including CACH LLC) will work with debt settlement firms and consumers when suits have been filed.

When a suit happens you will want to gather as much information on the debt as possible. Oftentimes the entity suing you is not the original creditor and that holds true with CACH LLC, which is a debt purchaser.

Next, Review your own records and determine:

  • Whether you received a validation letter
  • If the amount CACH states you owe is accurate and whether you owe the debt
  • Whether the debt is past the statute of limitation.

If you’re ready to handle the debt, there are a few different things that you can do in addition to responding to the lawsuit:

Cach LLC People Sitting Around a Table

Handling the CACH LLC lawsuit:

The first thing to do when you get sued by CACH LLC is to determine whether or not you owe the debt.

If you owe the debt:

When you owe the debt, we generally advise to contact either the attorney yourself or speak with the debt settlement or debt collection attorney’s firm in order to contact the creditor to see whether the firm will negotiate or attempt to negotiate yourself. You may be able to negotiate a settlement upfront.

  • See whether a payment plan can be arranged that is affordable with your budget.
  • Negotiate for less debt that originally owed. If this is plausible, make sure that you have the settlement offer in writing.

If you do not and cannot have money to pay the debt, this is also a good case to speak with CACH LLC. I can help with that conversation. If you need to buy time to get the money together to attempt to settle, you can also file the reply to the case. Rest assured that we have had a great success in this area or we can point you in the right direction if we are unable to help.  Feel free to write me directly if you have any questions about which option to pursue.

If you don’t owe the debt:

  • If you have adequate information showing that this is not your debt, you will want to fight it. This is essentially telling the creditor to, “Prove that you owe the debt.” The burden of provide lies on them. If you do not owe the debt, then this may not be a difficult case.
  • The contract that you signed was illegal or that you signed it based on false information. You may want to see outside assistance to determine if this is you.

In this case, you may want to have a free consult to speak with a reputable debt collection attorney about your options. If you do not know a reputable debt collection attorney, you cannot afford one, or if you want to represent yourself, please feel free to write me directly for more information.

A couple things to note:

1)    If you are able to negotiate a settlement with the CACHE LLC debt collection lawyer, get everything in writing. Many creditors will have you sign something that states if you do not follow through with the payments then a judgment will be forthcoming, so that is important to note.

2)    When a lawsuit has been filed and the debt begiins to go through the process, then there is an outstanding case against you. The discount will generally be lower than attempting to settle the debt before the case has been filed. It will be unlikely to get a 50% discount.

Here are some common questions:

I received a letter stating that my debt from Avant (or another creditor) has been to CACH LLC. What should I do?

I advise everyone to get ahead of this as quickly as possible. The quicker you can settle with them before a lawsuit, the better as there can be additional fees realized once a lawsuit has been filed. Not to mention additional stress from having to deal with court paperwork.

If CACH LLC is able to obtain a judgement, will they be able to garnish my wages?

This is situational from state to state. Feel free to drop me a quick note if you’d like us to give some feedback for your state.

CACH already received a judgement against me. What can I do?

There are many times where CACH LLC will be able to obtain a judgement without your knowledge. Say for example that you were not able to receive the court summons. The creditor may ask the judge to have a judgment passed to them regardless of whether you received the summons or not.

In this case, it may be more difficult to negotiate with CACH. However, that depends on a few factors: whether your state allows wage garnishment or whether there are opportunities for levies or liens against an asset. It’s not impossible to negotiate a settlement with CACH LLC after a judgement has been obtained. Although, it’s just a bit more nuanced since the court has already agreed with the creditor.

What can I do to resolve debt with CACH LLC if I haven’t been sued?

CACH is in the habit of settling debt via a payment plan or a lump sum payment. You may be thinking that it’s not possible to come up with a lump sum payment to settle that debt. That’s completely understandable.

We work with CACH LLC to negotiate flexible payment arrangements that work for both the consumer’s finances and for CACH LLC. You also may be able to avoid a future lawsuit if you are able to get a structured settlement plan in place with them today.

I do not believe I can do this on my own. Can you help?

Absolutely, we are experts here to help. Ascend is in the business of helping people resolve his/her debts through payment plans and one-time payments. Our conversations and emails are always free, and we will never move forward to offer our services unless we  believe it is best for your situation. Feel free to drop me (Ben) a note with your questions.

Post Author: Ben Tejes

Ben Tejes is a co-founder and CEO of Ascend Finance. Before Ascend, Ben held various executive roles at personal finance companies. Ben specializes in Chapter 13 Bankruptcy, Debt Settlement, Chapter 7 Bankruptcy and debt payoff methods. In his free time, Ben enjoys spending time going on adventures with his wife and three young daughters.

18 Replies to “Who is CACH LLC? Everything You Need to Know.”

  1. I recieved a letter, not registered, from CASH LLC. It tells me I have a court date on August 12 in a county that I don’t live in. I do have a Jasper county address but I live in Newton county. I just tells me to be there. It don’t say how much or where the debt was originally from. Ther is no phone number or any way to contact them. Can you tell me what to do?

    1. Thanks for the comment, Ronnie. This is an odd situation. CACH LLC registered filed for bankruptcy in 2017, so much of the portfolio was sold to Resurgent Capital Services with the number: 1-888-665-0374 if you’d like to dial them directly. I would try to understand if the debt may be yours, which you should be able to do via a free government issued credit report (https://www.ftc.gov/faq/consumer-protection/get-my-free-credit-report), which should give you more clarity. Drop me a line direct at (650) 919-4701 if you’d like to chat tomorrow.

  2. My husband recently paid his debt from Cach llc and we are trying to but a home. How do we get the debt cleared from our credit? This is holding us from getting our loan even though it is dealt with.

    1. Hey Bonnie, thanks for the message. This is generally creditor by creditor, and some creditors will not clear it from the report. Did you pay in full or settle for less? Either way, they should update the credit report with the appropriate status, but that is also something that can take a little while. Let me know whether you have any other questions.

  3. Hi. I do have an outstanding debt from Avant. Was paying them on time for a while but husband suffered a stroke was unresponsive 32 days, and unable to work again. Our home was already forclosed on because he was ill. We have $0 in the bank. I no longer have a vehicle. he owns a older model van , but is unable to drive himself around. Lost sight in one eye and just had surgery on the other. i;m in a wheelchair, but at least I can work from home. My daughter has to pay part of the rent for us to make. I honestly don’t know how I can make it. This terrified me because I want to pay everyone I owe, but I just can’t. It’s hard when you know it means being on the street

  4. Hi, Ben, my name is Yvonne, I have a outstanding debt that I am being sued for., The original debt was with Bank of America in 2002, for about 2,000. dollars, B of A sold the debt to Catch, LL,,and Gurstel law firm Sue me and received a judgement for about $2,452., Taxes has been added onto the original judgemen.t

    1. Hey Yvonne, thanks for the message, and I am really sorry to hear that you’ve been sued. Are they trying to now collect on the judgement of $2452 or where are you at in the process? Do you have any funds available? If you owe the debt and are able to settle, I would contact Gurstel law firm and give them a bit about what you’ve experienced and see whether they will work with you. I’ll also shoot you an email, but let me know if you need any other help. It doesn’t seem that complicated, and hope you get this resolved quickly as this provides so much stress.

  5. We have a lien placed on our home from Cach LLC. How do I find out information and get this removed. We are refinancing our home.

    1. Hey Daphne, first of all, I am so sorry to hear about this lien placed on your home. Secondly, there are a few options that you can do to find information on the lien. 1) Visit county record, assessor’s office or clerk in person. Folks there can direct you appropriately. 2) Search the county records online: https://publicrecords.netronline.com/ 3) Contact a title company.

      Let’s have a call or email about removing the lien if you have a few minutes. It’s a slightly longer process that I’d love to explain. Here’s the link to schedule a call (https://calendly.com/ascend-finance) at your convenience.

  6. Hello Ben,
    I received a letter and paperwork from Cach, llc that suggests that I a being sued for $4,400.
    I have absolutely no idea who these people are and how they got my name.
    I will not pay them a dime, as I believe this a “shakedown” type lawsuit. What do you advise on ridding myself of this nuisance?
    Thank you,
    Phillip

    1. Hey Phillip, generally CACH LLC/Resurgent will purchase unpaid debt from an original creditor. Did the letter state who the original creditor is? There are many options what to do here. You have the right to validate the debt to confirm that it is your debt, which may be a good option here. Also, you can look into the statute of limitations for your state. Feel free to shoot me an email if you have any questions or anything.

  7. i believe i had a debt bought by cach llc from 2013 but i have never heard from them i am in colorado and i know statue is 6 years. but this past month i have got calls from 2 different places one claiming i am being sued while the other said i am going to jail for up to 3 years for the exact same debt when. i asked the second place about the first they had no who i was talking about and they have NEVER SENT me anything and claim they have but that they dont need me to have me charged or get the judge to charge me and that they can have me arrested without me even having a chance to fight all this for a debt i believe i paid off but one that is mine but claiming i am doing something fraudulent. can this really happen? i dont even know where to begin because i asked to speak to the Lawyer who is doing everything she said no she was his assistant and could handle it but when i requested proof they said no. so what should i do cause i have nothing to show i been contacted until now.. the first place said my account was red flagged because i never responded and they supposedly were sending stuff to a address i havent lived at since 2013.

    1. Hey Alicia, I am so sorry to hear about this situation with CACH LLC. It sounds so stressful. 🙁 It seems strange that they did not provide proof of what they are trying to pursue you as there are debt validation laws that they are required to abide by. Please see this on validation of debts: https://uscode.house.gov/view.xhtml?req=(title:15%20section:1692g%20edition:prelim). I’ll also send you an email as this feels complicated, and I want to see what I can do to help.

  8. Good afternoon,
    My employer just received a letter for garnishment but I personally did not receive papers served. Last year this company did the same thing and my wages were garnished and sent to the courts. The case was then dismissed a year ago 8/20/2019. New papers were filed on 8/17/2020. What do I need to do. I am not finically able to do this.

  9. Hi Ben! I received wage garnishment paperwork from my employer initiated by cach LLC. I have No idea what the original debt is as it is not on my credit report (we just bought a house and my credit was great!). I looked Up the case number listed and it has an original filing date of 2010. I am In Arizona; is this legal?! What are my options here? It says I have 10 days to respond and I’m not sure how to proceed!

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