You may have claims if Sterling Jewelers (Kay Jewelers or Jared Galeria) enrolled you for a credit card or credit product without consent.
Sued by CACH LLC?
CACH LLC lawsuits are common in Pennsylvania. CACH is a debt buyer that files many types of collection lawsuits, including credit card lawsuits, personal loan lawsuits, and other consumer debt lawsuits. In our experience, CACH usually can’t prove the cases it files. That means consumers have a high chance of winning a CACH LLC lawsuit.
If you’re getting sued by CACH LLC, visit our debt defense page to learn how we can help you. We don’t charge fees unless we win, and we refund any advance fees if we lose. To get a free case review from our debt defense attorney, call us at 1-800-997-5561 or fill out our free case review form.
Let us answer your debt defense questions:
CACH is suing me, who are they?
When consumer debt becomes severely delinquent, creditors often charge-off the account. Sometimes, they try to collect the account themselves. Other times, they sell the account to a third-party “debt buyer.”
CACH LLC is one of the “debt buyers” that purchases delinquent consumer accounts. Debt buys like CACH usually purchase old debt at steep discounts (the Federal Trade Commission (FTC) stated debt buyers paid 4 cents on the dollar for old debt, and the Consumer Financial Protection (CFPB) stated one debt buyer paid 3 cents on the dollar for old debt). After it buys debt for deep discounts, CACH tries to collect the debt for profit.
In Pennsylvania, CACH LLC sues many consumers each year. Throughout the whole United States, debt buyers likely file hundreds of thousands of lawsuits each year. Debt buyers like CACH file so many lawsuits for one reason: they want to profit off bad debts.
How do debt defense attorneys win CACH lawsuits?
The strategies we use to win CACH LLC lawsuits differ depending on whether your case is filed in a magistrate court or a common pleas court. Our strategy also may change depending on whether you’re dealing with a credit card lawsuit, personal loan lawsuit, or some other type of debt collection lawsuit.
That said, we generally win CACH lawsuits because: 1) it hires “appearance attorneys” to attend court hearings; and 2) it doesn’t have the documents required by Pennsylvania law. Appearance lawyers and deficient documents are not enough to win:
How likely is it that a debt defense attorney can win a CACH lawsuit?
Your chances of winning a CACH LLC lawsuit depend on many things, including the following:
Our debt defense attorney, like most competent lawyers, has a high success rate for consumers getting sued by CACH LLC in Pennsylvania. Complete our contact form, or call 1-800-997-5561 for a free case review.
Should I ignore a CACH lawsuit?
You probably shouldn’t ignore the fact that you’re getting sued by CACH LLC. If you do, a default judgment likely will be entered against you. A “default judgment” is a court order stating that you owe the debt CACH claims you owe. After such a judgment is entered against you, debt collectors can seize property and garnish bank accounts.
Some people ignore collection lawsuits because they think they don’t owe the debt or already paid it, or because they think the debt is past the statute of limitations. Don’t do this. Court’s won’t analyze a lawsuit to make sure it’s not defective. If you ignore a CACH lawsuit, they’ll win without even having to show up. Then, you’ll owe a debt you shouldn’t owe.
Do I have any rights when CACH is suing me?
The Fair Debt Collection Practices Act (FDCPA), the Fair Credit Reporting Act (FCRA), the Telephone Consumer Protection Act (TCPA), and many other laws regulate how CACH LLC interacts with consumers. If CACH violates any of these laws, then you likely have claims or counter-claims you can assert.
To see how we can help with debt collection harassment or credit reporting violations, visit our pages on debt harassment and credit reporting. For detailed information on how to deal with debt collectors, read these posts on our debtdefensepa.com website: How to Deal With Debt Collectors; How to Deal with Debt Collection Robocalls; How to Deal with Debt Collection Letters.
Hire us to help!
If you’re getting sued or harassed by CACH LLC, please contact us for help. To get a free case review from our debt defense attorney, you can call us at 1-800-997-5561 or fill our our free case review form.