Resurgent Capital Services L.P. and CACH LLC Cases

Resurgent Capital Services L.P. is a debt collection agency that works on behalf of creditors or debt buyers, such as CACH LLC. CACH LLC is a company that purchases delinquent debts, such as unpaid credit card bills, personal loans, or medical debts, from original creditors at a discount and then attempts to collect the full… [Read More]

CACH LLC typically files lawsuits to recover debts it has purchased. You may be sued if they believe you owe money on a delinquent account. Many times, these lawsuits are filed without proper verification of the debt or may include inaccurate amounts. 👉 Don’t face a lawsuit alone! Reach out to the Law Office of… [Read More]

The first step is not to panic and never ignore the notice. Respond to the lawsuit by filing an “Answer” with the court within the specified time frame, which is often 30 days. Then, consult with an experienced debt defense attorney to review the details of your case. 👉 Schedule a consultation with the Law… [Read More]

Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request debt validation. This means CACH LLC must provide proof that: They own the debt. You owe the specific amount claimed. The debt is still collectible under your state’s statute of limitations. Many times, debt buyers like CACH LLC cannot produce adequate… [Read More]

Yes, in many cases, you can negotiate to settle the debt for less than the amount claimed. However, these negotiations should be handled carefully to avoid agreeing to unfavorable terms or restarting the statute of limitations. An experienced attorney can help you negotiate effectively. 👉 Let the Law Office of Balam O. Letona negotiate on… [Read More]

You may have several defenses available, including: CACH LLC cannot prove they own the debt. The statute of limitations has expired. You were not properly served with the lawsuit. The debt amount or account information is inaccurate. You were a victim of identity theft, and the debt is not yours. Each case is unique, and… [Read More]

Ignoring a lawsuit from CACH LLC is one of the worst things you can do. If you fail to respond, the court will likely issue a default judgment against you. This judgment can allow CACH LLC to garnish your wages, freeze your bank account, or place liens on your property. 👉 Avoid default judgments by… [Read More]

The statute of limitations is the legal time limit within which a creditor or debt buyer can sue you for unpaid debt. This time frame varies by state and can range from 3 to 10 years, depending on the type of debt and where you live. If the statute of limitations has expired, you can… [Read More]

Yes, they can report delinquent debts to credit bureaus, which can negatively impact your credit score. However, if the information is inaccurate or outdated, you have the right to dispute it under the Fair Credit Reporting Act (FCRA). 👉 Contact the Law Office of Balam O. Letona for help disputing inaccurate credit reports and holding… [Read More]

The Law Office of Balam O. Letona has extensive experience defending clients against debt collection lawsuits. They can: Review the lawsuit and identify any weaknesses in the creditor’s case. Challenge improper documentation or procedural errors. Negotiate settlements or payment plans on your behalf. Provide legal representation in court to protect your rights and financial future…. [Read More]