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  1. Hello, it's me again. I was just served by Stenger and Stenger (representing Cach LLC) on an account that was dismissed without prejudice last year. The last time they sued me I appeared in court and during mediation I told the attorney that I planned on filing a MTC arbitration. She was confused, and when we went to trial she asked for a continuance. The judge granted it, and we were to appear back in court 30 days later. Well when I came back, no attorney was present so the judge signed a dismissal without prejudice. I did ask him to make it with prejudice, and he denied the request.
  2. 1. Who is the named plaintiff in the suit? CACH LLC 2. What is the name of the law firm handling the suit? (should be listed at the top of the complaint.) Wold rather not say. It is a well known JDB attorney for CACH in Texas. 3. How much are you being sued for? $10k+ 4. Who is the original creditor? (if not the Plaintiff) Web Bank (Lending Club) 5. How do you know you are being sued? (You were served, right?) Served at my home 6. How were you served? (Mail, In person, Notice on door) In Person 7. Was the service legal as required by your state? Yes 8. W
  3. I was contacted by someone in an email and text message saying a suit had been filed against me and they wanted to represent me. Sure enough I checked the court's website and I have a suit filed against me by CACH LLC being represented by Midland Funding LLC. The suit was filed on March 29, 2016. I have been reading everything I can here especially the great thread about the case that was won here in CA in the stickies. I am sure this is going to be the start of a longer thread as I go through this process. I have no idea what this debt is for and I have not been served. The court r
  4. I have received notice of a Civil Complaint filed against me by CACH LLC with my local District Justice. The hearing is scheduled for Tuesday, June 6th and I have already given my Notice to Defend. According to the paperwork, this was originally a debt to GE Capital Retail Bank that was opened on or about 11/25/1999. It states that the account was charged off on or about 11/13/2013 with an outstanding balance of $2,900. Subsequent to charging it off, the issuer sold the account on or about 12/23/2013 to CACH LLC. Demand has been made by CACH LLC for payment with defen
  5. Being sued by Cach LLC for a debt allegedly incurred my by defunct business for $31,000. Original creditor is Wells Fargo. Here are the bullets: Plaintiff Petition Filed 3/2015 Defendant Answered Petition 5/2015 Plaintiff Filed "MOTION TO COMPEL DISCOVERY RESPONSES AND TO SET DISCOVERY CONFERENCE" 6/2016 Plaintiff Filed "NOTICE OF HEARING ON PLAINTIFF'S MOTION TO COMPEL DISCOVERY RESPONSES" 6/2016 All of the Plaintiff's communication was mailed to my now ex-wife's old house address, so I never received the communication. As a result, I was not able to respo
  6. I have recently pulled my credit report and saw that I have a judgement for about $2100. It is from CACH LLC for a CareCredit card that I had.. I didn't go to court for this.. How can i get this removed?? I am willing to do a payment plan or settle the debt..
  7. It all started last year, my case is in california and i had a lawsuit against me for the amount around 1,800. I have went to court and tried to fight the case the best i can but it seemed that the judge was more in favor towards the plaintiff. I had no way to lower the amount i owed and i tried to do a payment plan but it was already too late. so i end up loosing the case and now i have a judgement against me for the amount now of @2500 that is with the lawyer fees , etc. So now its 2016 and i am barely making it to survive. so i have a car that's already payed off under my name its a ( 8
  8. While it's never a good time to be sued, this was the absolute worst. The day I was served, I was leaving for a 3 week trip. I'm back now, and have a week to deal with this. The closest card agreement I could find to the date of mine (issued a year later) DOES have ARB. Also, may or may not be relevant: The original creditor lost a class action lawsuit a year after my card was issued for not providing enough information on their interest structure to clients. I was not a part of the suit, but my agreement does fall in the timeframe they were sued for this. I have no idea what to d
  9. Happy Thanksgiving to All! I am being pursued for a lawsuit against Mandarich Law on behalf of Cach, LLC. The suit is for just over $1,000.00 dollars. The debt stems from years ago. I belive i do fall within the statute of limitations as it looks like in Feb. 2016, is the 6 year mark (i believe the SOL is 6 years here in Oregon) I'm looking for all of your input from experiences as i need as much guidence and help as possible. I've reached out to @Mrj9182 and have been met with great kindness and offerings of heroism to which I'm so thankful for! ANY of you folks who are willing to chi
  10. FOr every poster being sued by CACH LLC, please read this. I am helping another poster on this board oppose an MSJ here in Michigan. CACH supplied their attorney with an affidavit supposedly to authenticate the bill of sale. The affidavit made by a person named Tom Vigil is not an employee of CACH LLC, he is an employee of a company called Squared Two FInancial in Colorado, employed as an affidavit spe******t. Further, look at all of the documentation. In this posters case, CACH supplied a credit application with a forged signature on it, though Tom Vigil states that the records supplied in t
  11. I had a Judgment against me in mid-2011, and it was whatever you call it when they take the full amount from your bank account. (I'm not going to go into how BS it was that it happened, but get to the point.) I've pulled my credit report before and had seen it on there, showing there was a Judgment. (There has never been a "status" area.) Yesterday, I was talking with a CC company I have one with because was denied an increase. I inquired why that was and the lady went over some negative things and said it was probably primarily because I still have a Judgment against me. I asked did
  12. HELP!! Being taken to court Nov 19th! Need to show for Pretrial and am not sure If I need to file any paperwork before hand. In Florida I don't believe I HAVE to but probably should. I was thinking about answering the summons and state I WILL be in court, file Request for Production (not sure the procedure for this since it's small claims. Do I do this before/after. Does it matter?) and possibly answer to the alleged claims (confirm/deny line by line). Any help is greatly appreciated!! Thank you in advance!! 1. Who is the named plaintiff in the suit? CACH, LLC. 2. What is the name of the law
  13. I am being sued for a debt that was sold by capital one to cach llc with a c/o law office of joe pezzuto. I am in need of help with fighting this. I can not afford this. I already filed a answer to the complaint and summons. I just recently received plaintiff's disclosure statement and requests for admission of fact and non-uniform interrogatories. Any help will be greatly appreciated. thanks in advance. 1. Who is the named plaintiff in the suit? CACH LLC C/O Law Office of Joe Pezzuto, LLC 2. What is the name of the law firm handling the suit? Law Office of Joe Pezzuto, LLC 3. How much are y
  14. Can anyone help me fight this? PLEASE!!! 1. Who is the named plaintiff in the suit? CACH LLC C/O Law Office of Joe Pezzuto, LLC 2. What is the name of the law firm handling the suit? Law Office of Joe Pezzuto, LLC 3. How much are you being sued for? $5500 4. Who is the original creditor? Capital one National Association 5. How do you know you are being sued? Served with complaint and Summons 6. How were you served? In person at home. Knocked on door and I answered. 7. Was the service legal as required by your state? I do not know 8. What was your correspondence (if any) with the peopl
  15. Would someone be kind enough to help me in answering the following (received after I responded to the summons admitting only to my name and county residence): CACH,LLC, Plaintiff, vs Defendant( s). PLAINTIFF'S FIRST SET OF INTERROGATORIES To: me, Defendant(s). Pursuant to Rule 1.340 of the Florida Rules of Civil Procedure, you are to answer the attached interrogatories separately, fully, in writing, and under oath. You should deliver a true copy of your answers to the undersigned attorney within thirty days af
  16. Hi everyone! It sure has been a while since I last posted. So after I beat CACH and their time to appeal ended, judgment was entered in my favor. Now, how do I actually collect the money from them? I strongly doubt that they will pay without a garnishment, writ of execution, etc. Should I make them appear at a debtor exam? Also, I am wondering if I have to domesticate the judgment to Colorado; their primary location of business. I am thinking about calling Mandarich and demanding that they pay me. What do you think? Thanks! - PD
  17. Hi all, CACH recently filed a suit with me in California. The reason I know this is because someone came to my home on Saturday when I was gone and based on what my wife told me I figured it was probably a process server so I did a dockest search and found the case. The case was filed a couple of weeks ago, and I have no idea what the debt is for, but I am pretty confident it is probably for less than $5000. So what I am wondering is if I should do anything at this point or just wait to be served. I am in the legal industry and I do understand that they can't actually do anything in terms
  18. Hi Everyone, My hearing date is approaching and I'm not sure how to get a Declaration in Lieu of Live Testimony by the infamous Peter Huber thrown out. Do I subpoena, motion to strike, or something else? Help!
  19. Hi everyone! I was served about 25 days ago by CACH LLC. Originally, I thought that the collection on my credit wasn't mine, so I disupted it and it was deleted. . I was able to hire an attroney that will send them a letter as a response to the judgement. He doesn't think that he can win alleging lack of standing or proof that I owe the debt. He thinks that he should pursue the SOL defense more. The original creditor was Bank of America (allegedly), the terms and conditions were likely from Delaware. My attorney thinks that he can get this case dismissed because that the agreement
  20. Hi y'all I'm new here and have a few questions the part in italics is my case 1. Who is the named plaintiff in the suit? - CACH, LLC 2. What is the name of the law firm handling the suit? (should be listed at the top of the complaint.) - Mandarich LLC 3. How much are you being sued for? - $2300 + 4. Who is the original creditor? (if not the Plaintiff) - Bank of America 5. How do you know you are being sued? (You were served, right?) - Summon served 6. How were you served? (Mail, In person, Notice on door) - At my house, the police or sherrif came by and
  21. Hi to everyone, im being sued by this company called CACH LLC, which is the Plaintiff Vs me, this is in FLORIDA SMALL CLAIM Court, the amount is for 4k, and the original creditor is GE Money Bank (Which subsequently sold the debt to CACH LLC according to them. -------------------------------------------------------------------------- They are suing on 2 counts : 1- Account Stated : Plaintiff asserts that Defendant acceptance of the extension of credit represented a periodic account, for which GE MONEY BANK generated regular monthly statements. Defendant is liable to plaintiff, the assignee
  22. I am pretty sure i am too late but i would like some advise on what to object against in my non-binding arbitration case coming up in a day. Cach LLC bought a BoA cc debt. The initial complaint showed an affidavit that they bought the account from BoA, the account number also happened to change, there was only a screen shot from what appears to be an account balance page, with my name and the new account number. There is no purchase agreement between BoA and Cach LLC showing the new account number. They just wrote in the complaint that the account number changed. I answered the comp
  23. Statute 559.715 states: Assignment of consumer debts.—This part does not prohibit the assignment, by a creditor, of the right to bill and collect a consumer debt. However, the assignee must give the debtor written notice of such assignment as soon as practical after the assignment is made, but at least 30 days before any action to collect the debt. The assignee is a real party in interest and may bring an action to collect a debt that has been assigned to the assignee and is in default. I received a summons on March 22, 2014 for pretrial conference. This was the first notice I had that CAC
  24. 1. Who is the named plaintiff in the suit? CACH LLC 2. What is the name of the law firm handling the suit? (should be listed at the top of the complaint.) I'd rather not say in case they actually search the internet and find my post. They are at least the third law firm to contact me about this debt. 3. How much are you being sued for? $10,000+ 4. Who is the original creditor? (if not the Plaintiff) Chase 5. How do you know you are being sued? (You were served, right?) Papers served. 6. How were you served? (Mail, In person, Notice on door) Served to the face. 7. Was the service l
  25. Need some legal advice. I have been reading most of the posts on here and this site has been extremely informative. I am being sued by CACH, LLC. for $30,000 in CA. I need to file my answer by the 20th or this Friday! I have it mostly prepared but I could use another opinion in it. 1. There is no mention in the complaint about it being "verified." It does have a Declaration of Venue. Is this considered verification? 2. I ask because I am not sure if I can just file a general denial answer because it is not verified or do I need to file a complete answer because it is over $25,000 rega