August 14, 2020
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.
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.
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:
Do not let this happen to you. Take action and respond to the Complaint.
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:
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.
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.
SoloSuit helps demystify the process of responding to a debt collection lawsuit, including lawsuits filed by Cach LLC.
Here is how it generally works - You access SoloSuit, which is a dynamic, step-by-step web-app. When you are in the app, you will be asked a series of specific questions. Once you answer these questions, you can either print the completed legal documents and mail the hard copies to the court or you can pay SoloSuit to file it for you and to have an experienced and knowledgeable attorney review the document.
"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James
If you need assistance in effectively responding to a debt collection lawsuit, including a lawsuit filed by Cach LLC, consider utilizing the services available through SoloSuit. What is SoloSuit? Take a moment to review these FAQs to learn more.
Here is an overview of what you need to do if you are taken to court by a debt collection company like Cach LLC:
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