Sterling Jewelers Fake Credit Cards
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 debt lawsuits. CACH usually can’t prove the cases it files. That means you have a high chance of winning a CACH lawsuit.
If you’re getting sued by CACH, call us for help. We charge flat fees and refund our fee if we lose. To get a free case review from our debt defense attorney, call us or complete our free case review form.
Let us answer your debt defense questions:
Why is CACH LLC suing me?
"CACH LLC files so many lawsuits for one reason: it wants to profit off bad debts."
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. CACH buys loans from Prosper Funding, LendingClub, OneMain Financial, and other creditors.
Debt buyers 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 CACH buys debt at deep discounts, it attempts to collect debt for profit.
In Pennsylvania, CACH sues thousands of people each year. Throughout the whole United States, debt buyers like CACH file hundreds of thousands of lawsuits each year. CACH files so many lawsuits for one reason: it wants to profit off bad debts.
Can I win if I get sued by CACH LLC?
We generally win CACH LLC lawsuits because: 1) CACH hires “appearance attorneys” to attend court hearings; 2) CACH doesn’t have the documents required by Pennsylvania law; and/or 3) CACH doesn’t have witnesses with knowledge of the case.
Appearance lawyers, deficient documents, and witnesses without knowledge are not enough for CACH to win against you:
- Appearance Attorneys: an "appearance attorney" is a lawyer hired to appear for a debt buyer in court. These attorneys can't testify and know nothing about the documents they attempt to present in court.
- Deficient Documentation: Pennsylvania law requires credit contracts, full account statements, and assignments to win collection lawsuits. Debt buyers usually don't have this documentation.
- Witnesses Without Knowledge: Even if debt buyers have the documents they need, their witnesses (if they have any) usually can't testify about a case. Debt buyers can't prove their case without a competent witness.
The specific strategy we use to win CACH lawsuits differs depending on whether your case is filed in a magistrate or common pleas court. Our strategy also may change depending on whether you’re dealing with a credit card lawsuit, personal loan lawsuit, auto loan lawsuit, or some other type of collection lawsuit.
To understand how we evaluate cases, visit our debt defense attorney page. Call us or complete our contact form for a free case review.
What is the likelihood of winning a CACH lawsuit?
Generally, it’s highly likely you’ll win a CACH LLC lawsuit. In fact, we’ve won all of the CACH lawsuits we’ve defended.
To gauge your chance of success in a particular case, we evaluate numerous factors including:
- The amount at issue.
- The age of the account at issue.
- The type of debt at issue (credit card, personal loan, auto loan, etc).
- The lawyer/law firm that filed your case, including Pressler Felt & Warshaw (Ian Winograd) or Patenaude & Felix (Gregg Morris or Timothy Graham).
- The identity of the original creditor, including OneMain Financial, Springleaf Financial, or another creditor.
- The court in which your case is pending.
- The county in which your case is pending.
If you’re getting sued by CACH, call us or complete our contact form for a free case review.
Can I ignore a CACH lawsuit?
You probably shouldn’t ignore a CACH LLC lawsuit. If you do, a default judgment may be entered against you. A “default judgment” is a court order that you owe the debt CACH claims you owe. After such a judgment is entered, 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 too old. 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 may win without even showing up. Then, you’ll owe a debt you shouldn’t owe.
Can you help if CACH LLC is suing me?
Yes. We’ve won every CACH LLC lawsuit we’ve defended. That means our clients haven’t paid any money to CACH.
In addition to winning your case, here’s other services we provide when you hire us to defend you:
- We'll ensure all required pleadings (like an intent to defend or an answer) are completed and filed with the court.
- Absent special circumstances, you won't have to go to court; we'll show up in your place.
- We'll receive all of the letters and calls from CACH; you'll stop receiving letters and calls.
- We'll monitor your credit report to ensure false information is not reported.
- We'll monitor collection activities to ensure they comport with the law.
These services are provided at no extra charge.
To see how we can help you or what we can do for you, call us today or complete our contact form for a free case evaluation.
Hire us to help!
If you’re getting sued by CACH LLC, please contact us for help. To get a free case review from our debt defense attorney, give us a call or complete our our free case review form.
Recent Articles:
Sued For Old Debt?
If you’re getting sued on a debt that’s over four years old you likely can win the case and get damages.
Share:
Share on facebook
Share on twitter
Share on linkedin
Share on print
Share on email