If you are being harassed by debt collectors, you may be feeling overwhelmed and anxious. You may be concerned that they will do something to harm your credit and financial well-being. But there is light at the end of the tunnel. You have rights when being contacted by a debt collection company, and there are ways to fight back if they escalate the situation and file a lawsuit.
Is Cach LLC Threatening to Sue Me for an Unpaid Debt?
If you have received a letter or phone call from Cach LLC, a company you have never heard of, you may be surprised or even shocked. However, there is no need to worry. This company purchases unpaid debts from large creditors and financial institutions for pennies on the dollar and then tries to collect the debt in full. If they are successful, Cach LLC turns a major profit. So, if you have received a call from this company, it is likely that they have purchased your unpaid debt from another creditor.
If you’re being harassed by debt collectors or facing a collection lawsuit, don’t give up. Take action with Crixeo. We help consumers who are being hounded by debt collectors and sued for debt. We’ve gathered information to help you understand the process and steps you can take to protect your rights against a debt collection company.
The Best Way to Fight Cach LLC
If you’re being sued by a creditor, it’s because they think you owe them money. They’ll file a formal complaint against you, which will state how much they think you owe – including interest, late fees, attorney fees, and court costs. If you don’t agree that you owe this money, you’ll have to go to court and defend yourself.
Once Cach LLC files the lawsuit, you will be served with the Complaint and a court summons. It is important to respond to the summons by drafting and filing your answer to the complaint.
If you choose to ignore the complaint filed against you by Cach LLC, they may file a motion seeking a default judgment. If the court grants this judgment, Cach LLC will be able to:
- If you’re looking to keep your money safe, one option is to freeze your bank account
- Garnish your earnings
- If you want to protect your property, put a lien on it
Don’t be the one who let this happen. Respond to the Complaint and take action now.
Affirmative Defenses Raised Against Cach LLC’s Complaint
If you are being sued by Cach LLC for unpaid debts, you should take the opportunity to point out the ways in which their lawsuit is lacking. Remember, in a debt collection case, it is up to the creditor to prove that you actually owe the amount of money they claim. So make sure Cach LLC provides evidence to support their claims. This could include documents showing:
- You are the one responsible for repaying the debt
- The debt collector may take legal action against you if you don’t pay what you owe
- The amount you owe is listed in Medicredit’s complaint
If Cach LLC does not have the necessary evidence to support its claims, then you may be successful in your lawsuit against them.
If a debt collector sues you after the statute of limitations has expired, you may be able to get the case dismissed. The statute of limitations is the amount of time someone has to take legal action against another person or company. If the facts in your case show that the debt collector filed suit after the statute of limitations had expired, you can file a motion asking the court to dismiss the case. Crixeo can help you with this process and with completing the necessary paperwork.Clearone Advantage, Credit Associates, Credit 9, Americor Funding, Tripoint Lending, Lendvia, Simple Path Financial, New Start Capital, Point Break Financial, Sagemore Financial, Money Ladder, Advantage Preferred Financial, LoanQuo, Apply.Credit9, Mobilend