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How to Resolve a Cach LLC Lawsuit

George Simons | July 25, 2024

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Sued for a debt by Cach LLC? This guide is for you. Use SoloSuit to respond in 15 minutes.

If you are being deluged with harassing phone calls and correspondence from debt collection companies like Cach LLC, you may be feeling overwhelmed and anxious about the future. You may be concerned that Cach LLC will do something to irrevocably harm your credit and overall financial well-being. The SoloSuit team understands how you are feeling, which is why we want to assure you that there is light at the end of the tunnel.

You have rights when being contacted by a debt collection company and there are certain affirmative defenses you can raise to prevail over Cach LLC in court, if they decide to escalate the situation and file a lawsuit.

Sued by Cach LLC? Settle your debt before going to court.

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Why is Cach LLC threatening to sue me over an unpaid debt?

Many people are surprised, or even shocked, when they receive a letter or phone call from Cach LLC, a company they have never heard of and never transacted with in the past. If you have never heard of, or know anything about, Cach LLC, you are not alone. In fact, there is a very good chance that you've never actually engaged in a purchase or taken out a loan directly from Cach LLC. Instead, Cach LLC is a company that goes out and purchases unpaid debts from large creditors and financial institutions.

Basically, Cach LLC will buy unpaid debts for pennies on the dollar, then turn around to unleash a team of debt collectors to try and get the outstanding debts repaid in full. When an unpaid debt is repaid, Cach LLC turns a major profit.

If you or a loved one is being forced to endure harassing phone calls and correspondence from a debt collector like Cach LLC, or were served with a collection lawsuit, do not give up hope or succumb to the harassment. Instead, take action by utilizing the resources available through SoloSuit. We assist consumers who are being hounded by debt collectors and taken to court in debt collection lawsuits. We've compiled relevant information that helps demystify the process associated with debt collection lawsuits so you know what to expect and what steps you should take to protect your rights against a debt collection company like Cach LLC.

How to resolve a debt lawsuit against Cach LLC

A debt collection lawsuit typically begins when the creditor (i.e. Cach LLC) files a formal Complaint against you. The creditor will likely allege that you owe a specific amount as an unpaid debt, in addition to interest, late fees, attorney fees, and court costs.

Once Cach LLC files the lawsuit, they will likely hire a processor to serve you with the Complaint, along with a court summons. Once you receive the Complaint, it is extremely important to respond to the court summons by drafting and filing your “Answer” to the Complaint.

Ignoring the Complaint is not recommended. Why? Because if you neglect to respond to the Complaint, then Cach LLC will have the right to file a motion seeking a default judgment against you. If the court grants the default judgment, Cach LLC will be empowered to:

  • Freeze the money currently in your bank account;
  • Garnish your wages; and
  • Put a lien on your property

Do not let this happen to you. Take action and respond to the Complaint.

SoloSuit makes it simple to respond the right way.

These common affirmative defenses can help you win your case

When responding to the allegations contained within Cach LLC's Complaint, you are provided with an opportunity to highlight some of the glaring deficiencies in the lawsuit to the court. Keep in mind, in a debt collection lawsuit, the creditor carries the burden of proving that you are in fact liable for the amount of the debt purportedly owed. As a result, you should demand that Cach LLC produce evidence that establishes the following:

  1. You are in the fact the individual responsible for repaying the debt;
  2. The debt collector has the legal right to take legal action against you; and
  3. You owe the specific amount listed in Medicredit's Complaint

If Cach LLC does not have the requisite evidence to prove these basic factual elements, then there is a good chance you will prevail over Cach LLC in the lawsuit.

SoloSuit helps you make the right defense the right way.

If applicable, you should also consider the expiration of the statute of limitations as an affirmative defense. The statute of limitations is essentially the amount of time someone has to take legal action against another person or company. If the facts of your case indicate that Cach LLC filed a lawsuit after the expiration of the statute of limitations, you could file a motion to have Medicredit's debt collection lawsuit dismissed with prejudice. SoloSuit can help you navigate this process and in completing the necessary documents that should be filed with the court.

Settle your debt with Cach LLC

Debt settlement is a great way to resolve your debt with Cach LLC and avoid going to court.

In a debt settlement, you offer your creditor a portion of the total amount due, usually at least 60% of the debt’s value. In exchange for a lump-sum payment, the creditor agrees to drop its legal claims against you and release you from the remaining balance.

Cach LLC may consider negotiating a debt settlement if you promise to make a lump-sum payment and clear the remaining amount within a short period. Because of this, debt settlement usually works best if you have some cash saved or expect to receive some money soon.

Settling your debt helps you avoid a judgment and wage garnishment. You’ll save some money and move on from this challenging experience.

If you decide to settle your obligation, you’ll want to ensure you get the terms of your agreement in writing and pay the creditor before your court date. If you’ve never tried debt settlement before, consider working with a professional organization that will guide you through the process.

To learn more about how to settle a debt with Cach LLC, check out this video:

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

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