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Resolve Debt With Cascade Receivables Management

Sarah Edwards | April 23, 2024

Sarah Edwards
Legal Expert
Sarah Edwards, BS

Sarah Edwards is a professional researcher and writer specializing in legal content. An Emerson College alumna, she holds a Bachelor of Science in Communication from the prestigious Boston institution.

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: To resolve debt with Cascade Receivables Management, verify the debt first. If valid, consider paying in full, negotiating a pay-for-delete arrangement, offering a settlement for less than owed, or requesting a repayment plan.

Has Cascade Receivables Management just popped up on your credit report? Have you been getting non-stop calls? If so, you might want to take the plunge and resolve your debt now.

Resolving your debt doesn’t always mean paying it in full. Here are some strategies for taking care of your debt before it takes over your life.

What is Cascade Receivables Management?

Cascade Receivables Management LLC is a debt collection agency based in California. Its headquarters are located at 5341 Old Redwood Hwy Ste 210, Petaluma, CA 94954-7127.

Cascade was founded in 2009, and it primarily handles healthcare debts and consumer finance debts. “Consumer finance” can include a wide variety of debts, such as:

  • Credit cards
  • Personal loans
  • Payday loans
  • Mortgages
  • Student loans
  • Auto loan

If you need to reach Cascade, you can call the business at (888) 417-1531. However, if you get a Cascade Receivables Management text message or call, it may come from a different phone number.

Cascade Receivables Management reviews and complaints

We decided to check out the reviews and complaints for Cascade Receivables Management, so we headed over to the company’s Better Business Bureau (BBB) profile. The profile is under its alternate business name, Cascade365.

But what is Cascade Receivables Management like to deal with? All too often, company reviews hold the answer. Cascade Receivables Management reviews on its BBB profile, earned the company an average rating of one out of five stars. The reviews mentioned that Cascade Receivables Management has tried to collect balances for services consumers never actually received. One person characterized the representatives they dealt with as “beyond rude and confrontational.”

We also checked out the complaints against Cascade, most of which say that Cascade tried to collect balances that had already been paid. Others claim that the company would not validate the debt when asked. Despite the complaints and bad reviews, Cascade Receivables Management is BBB accredited and has a BBB rating of A+.

Let’s look at a real Cascade Receivables Management review:

“I went to an emergency clinic in 2018 and insured prior to arrival and upon arrival that everything being done was covered thru my ins carrier. The only medical treatment I received was an X-ray. They informed me there was nothing they could do for bruised ribs. I received a bill for some 10k dollars and was told the doctor was not in my network and was billing separately. I took all my information to my HR department who resolved the matter. I got a call 10 mins ago from Cascades Receivables trying to collect the debt. I informed them that my employers HR department resolved the matter and for them to contact that employer about any questions.I feel this is a harassment tactic to try and squeeze money out of me on a debt that has already been resolved and is very disturbing.”

How to resolve debt with Cascade Receivables Management LLC

Before you go about resolving your debt, make sure you really owe it. Under the Fair Debt Collection Practices Act (FDCPA), if you ask a debt collector to send you proof that you owe a debt, they have to send it to you. If they don’t, you don’t have to pay.

Even if you know you technically owe the debt, it’s still worth asking Cascade to validate it. You have to ask for proof in writing by sending something called a Debt Validation Letter. SoloSuit can help you make one!

Get started on your Debt Validation Letter with SoloSuit.

If Cascade Receivables Management proves you owe the debt, you have a few different options for resolving it:

Pay in full or ask for a pay-for-delete arrangement

If the amount you owe is small or easily affordable, you might just want to pay it in full and be done with it. However, it’s important to note that even paid collections accounts stay on your credit report for about seven years. To minimize the impact on your credit score, it’s worth asking Cascade for a pay-for-delete.

A pay-for-delete is an arrangement where a debt collector agrees to take the collection account off your credit report in exchange for you paying it in full. Most debt collectors aren’t willing to do this, but it’s worth a try!

Offer a settlement

If you want to resolve your debt without paying the full amount, try offering a settlement. This is when you ask a collector if they’ll accept a lump sum that’s less than the full amount you owe.

In many cases, collectors are happy to accept a reasonable settlement. They often purchase debt for pennies on the dollar, so in most cases, they’ll still turn a profit even with a settlement. To understand how this informal settlement process works, let’s consider an example.

Example: Ed gets a letter from Cascade saying he owes $2,000 from a surgery he had a year ago. He would rather not pay the full amount, so he contacts Cascade and asks if they’d accept $1,500. Ed and the collector go back and forth until they settle on $1,700. Once Ed pays, his debt is resolved!


If Cascade has already sued you for a debt, you might still be able to settle. When you use SoloSettle by SoloSuit, we negotiate directly with the collector so that you don’t have to.

Ready to settle your debt lawsuit? Get started with SoloSettle today.

Ask for a repayment plan

What if you’re too strapped for cash to offer a settlement amount? In that case, it’s worth asking Cascade for a payment plan. Debt collectors are used to tracking people down, so they’ll appreciate the fact that you’re actually trying to pay.

Before you ask for a payment plan, sit down and calculate what a realistic monthly payment would be. When in doubt, err on the safe side — if you set up a payment plan and then can’t follow through with it, Cascade might resume collection actions against you.

Settle with SoloSettle

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Let SoloSuit help you move closer to financial freedom

Debt doesn’t happen overnight, so you can’t expect to get out of it instantly. However, when you negotiate with debt collectors, create a debt resolution plan, and stick with it, you’ll be a little bit closer to being debt-free.

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