Denise Can’t Find CACH, LLC And It is Holding Up Refinancing Her Home

Denise wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free.

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“Dear Steve,

I have judgment against me placed a company called CACH LLC. I cannot contact them or the attorney that placed the judgment. In midst of refinancing home to pay off judgment. Lawyer says I need a pay off amount.

How can I get a pay off amount if I can’t get a hold of them? What if I never get a hold of them.

Denise”

The Answer:

 

Dear Denise,

I wish I had a bit more information to go on but from what you told me and what I learned in my research I think you should look further into this judgment.

If this is the same CACH, LLC as the one I learned in my research, they may not have even been able to sue you and obtain a judgment against you for the debt in question. it may have been a zombie debt that had expired under the statue of limitations or a debt that they were not able to sue you for. Additionally, they appear to sue without any proof or validation that the debt is yours or true.

Much more information is needed to find out the specifics of your case and you’ll also need a lawyer to examine the legal merits of your case. But first, you’ll need a copy of the case to give to a lawyer to review.

The best way to locate these old cases is to get the court and case number off your credit report. I always recommend a consolidated credit report to learn that information. Not all credit bureaus have the same information so by getting a consolidated credit report you’ll have a better chance of getting all the details.

Next, armed with that information, contact the court that handled the suit against you and pay for a copy of the court records. Those records will give you critical information to help track down the lawyers and entity of the company that sued you.

Your mortgage broker should assist you if you still can’t locate the company or attorney since they will have a policy in place to address this issue.

I believe that CACH, LLC is located at:

370 17th Street
Suite 5000
Denver, CO 80202-3050
Phone: (303) 296-3345
Fax: (215) 281-7522

Or at

4340 S. Monaco St.
2nd floor
Denver, CO 80237

CACH, LLC appears to be a subsidiary of Collect America (CollectAmerica.com) and under the control of attorney Philip Scott Lowery or P Scott Lowrey, and has a horrible record of playing by the rules when it comes to collecting consumer debts that they purchase from the original creditors.

Recent Court Actions Involving CACH, LLC

The documents I found below may help you to locate CACH, LLC and to get a better understanding of some of the complaints and facts of those complaints.

The Answer:

 

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  • Squamous10

    I am in the process of being sued by Cach LLC on a debt they claimed to have purchased from Bank of America. My original agreement on the account in question was with Fleet, not BOA. They sent me notice of the lawsuit in March 2010. I responded within the 30 days with a request for verification of the debt. They returned a photo copy of a bill of sale to Cach LLC from BOA with no account numbers, no amounts, and my name appears no where. Another document appears from the lawyer representing Cach LLC claiming that the debt is valid. This is the only verification of debt I’ve received.

    I then received a demand for admissions and interrogatories. I answered them, without admitting to debt owed the collection agency, and returned a similar request to the lawyers for the plaintiff. That exchange of documents was in May 2010. I heard nothing about it again, and thought it had gone away.

    I received notice today – Oct. 1, 2010 – of a Notice of Civil Trial Setting Conference set for Oct. 12th. We will set a date for civil trial over the phone.

    What are my options?

  • Squamous10

    I am in the process of being sued by Cach LLC on a debt they claimed to have purchased from Bank of America. My original agreement on the account in question was with Fleet, not BOA. They sent me notice of the lawsuit in March 2010. I responded within the 30 days with a request for verification of the debt. They returned a photo copy of a bill of sale to Cach LLC from BOA with no account numbers, no amounts, and my name appears no where. Another document appears from the lawyer representing Cach LLC claiming that the debt is valid. This is the only verification of debt I’ve received.

    I then received a demand for admissions and interrogatories. I answered them, without admitting to debt owed the collection agency, and returned a similar request to the lawyers for the plaintiff. That exchange of documents was in May 2010. I heard nothing about it again, and thought it had gone away.

    I received notice today – Oct. 1, 2010 – of a Notice of Civil Trial Setting Conference set for Oct. 12th. We will set a date for civil trial over the phone.

    What are my options?

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