Quick Answer: CACH LLC is a debt buyer that was a subsidiary of Square Two Financial Services Corporation, which filed Chapter 11 bankruptcy in March 2017. Following that bankruptcy, CACH’s portfolio was sold to Resurgent Capital Services — the same company behind LVNV Funding. CACH LLC is effectively a shell entity; if you are receiving calls or collection letters referencing “CACH LLC,” the actual collector is Resurgent Capital Services, operating from Greenville, South Carolina. Their operational number is 864-248-8700. The CFPB complaint database contains 106 complaints referencing CACH LLC, with debt not owed as the most common issue.
If CACH LLC appears on your credit report or in collection letters: CACH LLC no longer operates independently — Resurgent Capital Services purchased the portfolio after Square Two Financial’s 2017 bankruptcy and now manages collection activity. This means the entity trying to collect is Resurgent, not CACH. Your FDCPA rights apply fully regardless of which name appears on the letter or your credit report, and you can dispute, verify, and cease contact with Resurgent just as you could with any other collector.
| Company Detail | Information |
|---|---|
| Company Name | CACH LLC |
| Type | Debt buyer (effectively defunct — portfolio transferred to Resurgent Capital Services) |
| Parent Company | Square Two Financial Services Corporation (filed Chapter 11, March 2017) |
| Current Operator | Resurgent Capital Services LP, Greenville, South Carolina |
| Primary Debt Types | Charged-off credit card debt |
| Operational Phone | 864-248-8700 (Resurgent Capital Services) |
| CFPB Complaints | 106 filed with the Consumer Financial Protection Bureau |
| Bankruptcy Filed | March 2017 (Case No. 17-10659, S.D.N.Y.) |
| Governed By | Fair Debt Collection Practices Act (FDCPA) |
CACH LLC is a debt buyer that no longer operates independently — if they appear in your call log or on your credit report, the collection activity is being managed by Resurgent Capital Services, which purchased CACH’s portfolio after its parent company’s 2017 bankruptcy.
This matters for consumers because letters may still say “CACH LLC” while the actual company responding to disputes and calls is Resurgent Capital Services. With 106 CFPB complaints on record — the top issue being collection of debts consumers say they don’t owe — knowing who you’re actually dealing with is the first step.
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Who Is CACH LLC?
CACH LLC was a debt buyer and subsidiary of Square Two Financial Services Corporation, which was headquartered in Denver, Colorado. As a debt buyer, CACH purchased portfolios of charged-off consumer debt — primarily credit card accounts — from original creditors at a fraction of face value, then attempted to collect the full balance. In March 2017, Square Two Financial filed a voluntary Chapter 11 bankruptcy petition (Case No. 17-10659, Southern District of New York), and the portfolio was subsequently sold to Resurgent Capital Services LP. Resurgent Capital Services — the same company that manages collection for LVNV Funding — is now the operational entity behind any collection activity associated with CACH LLC accounts. CACH LLC itself remains a shell entity for portfolio ownership, but consumers dealing with CACH LLC accounts are effectively dealing with Resurgent Capital Services, based in Greenville, South Carolina.
CACH LLC Phone Numbers
Because CACH LLC’s operations transferred to Resurgent Capital Services after the 2017 bankruptcy, calls and letters may come from Resurgent’s numbers rather than numbers historically associated with CACH directly. The same FDCPA rights apply regardless of which number or entity name appears.
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| Phone Number | Reported Use | Consumer Reports |
|---|---|---|
| 864-248-8700 | Resurgent Capital Services (operational collector for CACH accounts) | HIGH — Resurgent’s Greenville, SC office; consumer complaints and BBB records |
| 864-248-5172 | CACH LLC / Resurgent operations line | HIGH — consumer reports and debt collection databases |
| 888-785-7719 | Secondary collections line | MEDIUM — consumer reports |
| 888-243-6262 | Secondary collections line | MEDIUM — consumer reports |
Free Tool — Debt Collector Rights Lookup: Being contacted by a debt collector? The free Debt Collector Rights Lookup shows your state-specific protections — statute of limitations, garnishment limits, and what collectors are legally prohibited from doing. Look Up Your Rights →
Why Is CACH LLC Contacting You?
- CACH LLC purchased your charged-off credit card account — likely years ago. Debt buyers acquire portfolios from original creditors after accounts are written off. The original creditor sold the right to collect; CACH (now Resurgent) holds that right and is attempting to collect the balance.
- Your account may be old — check the statute of limitations first. CFPB complaints referencing CACH LLC include collection attempts on accounts consumers say are outdated or time-barred. A charged-off account that has passed your state’s statute of limitations for credit card debt (typically 3-6 years) cannot be enforced through a lawsuit, though the collector can still ask for payment.
- You may not recognize the debt — and you may genuinely not owe it. The most common CFPB complaint category for CACH LLC is “attempts to collect debt not owed,” accounting for 25 of 106 complaints. Portfolio transfers can result in misattributed accounts, incorrect balances, or fraudulently opened accounts being pursued.
- The entity actually contacting you is Resurgent Capital Services. Multiple CFPB complaints describe receiving responses from Resurgent Capital without clear disclosure that CACH LLC went through bankruptcy and sold the portfolio. If you’re confused about who you’re dealing with, that’s by design — ask them directly to confirm the current account owner and the chain of assignment.
A call or letter from a debt collector — even one referencing a company that went bankrupt — is not proof you owe anything. Request written verification before taking any action.
Free Tool — Statute of Limitations Checker: Dealing with old debt? The free Statute of Limitations Checker tells you if the collection clock has expired in your state — including the zombie debt and clock-restarting traps collectors use. Check My Status →
What CFPB Complaints Reveal About CACH LLC
The Consumer Financial Protection Bureau’s complaint database contains 106 consumer complaints referencing CACH LLC. The most common categories:
Read Consumer Complaint Narratives (6 published accounts)
“On or about XXXX, CACH LLC by and through their attorneys XXXX served or caused to be served on this honorable consumer and his employer a writ of garnishment in connection to a judgment CACH LLC obtained in the XXXX district court on or about XX/XX/2012. CACH LLC was without an assignment of the alleged debt in the trial court action. That deficiency was overlooked by the trial court judge. CACH LLC is not now, nor have they ever been licensed to collect debts in the state of XXXX. This consumer has ordered verification of CACH LLC’s unlicensed status with the state of XXXX.”
“This consumer filed complaints with the CFPB against XXXX and CACH LLC. XXXX answered first and in their response indicated that CACH LLC declared chapter XXXX bankruptcy and subsequently their entire portfolio was sold to Resurgent Capital Services. The response that this consumer received in regards to its complaint against CACH LLC was from Resurgent Capital Services and nowhere in their response did they indicate there had been a bankruptcy and that this consumer’s judgment debt had been sold. CACH LLC/Resurgent Capital Services and their attorneys knew or should know that when a debt is sold the rights to enforce it must be assigned and Resurgent Capital’s response to this consumer is misleading as they have omitted any reference to the bankruptcy which ended CACH LLC’s ownership of the debt.”
“I am submitting this complaint myself and there is NO Third Party Involved. CACH LLC/RESURGENT CAPITAL is violating my consumer rights under 15 U.S. Code Chapter 41 — SUBCHAPTER V DEBT COLLECTION PRACTICES. CACH LLC/RESURGENT CAPITAL have used abusive, deceptive, and unfair debt collection practices. CACH LLC/RESURGENT CAPITAL have violated my consumer right to privacy, I NEVER gave them any of my information directly and CACH LLC/RESURGENT CAPITAL has committed the crime of IDENTITY THEFT.”
“I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account with CACH LLC/RESURGENT CAP… CACH LLC/RESURGENT CAP and XXXX has reported false, derogatory, defamatory and slandering information about me to the 3 credit bureaus… Failure to substantiate the claim, delete account immediately.”
“CACH LLC did not provide validation for this debt. I don’t have any signed document or any business with them. On my credit report claiming unpaid debt by CACH LLC.”
“I received a court summons to go to court on XXXX. I should not be going to court over a fraud account. I sent documents requested by the Fraud Department with XXXX on XXXX via email to Resurgent certified mail on XXXX… I received a court summons letter from CACH LLC filed at XXXX with no court date or time. CACH LLC/Resurgent Capital is attempting to collect on an account I did not open.”
Source: CFPB Consumer Complaint Database. Narratives published only when the consumer provides consent. Personal information redacted by the CFPB.
CACH LLC and the Square Two Financial Bankruptcy
CACH LLC’s parent company, Square Two Financial Services Corporation, filed a voluntary Chapter 11 bankruptcy petition on March 19, 2017 (Case No. 17-10659, Southern District of New York). As part of the bankruptcy proceedings, CACH LLC’s debt portfolio was sold to Resurgent Capital Services LP.
What this means if CACH LLC appears on your credit report: If your credit report shows a collection account from “CACH LLC,” the underlying account may now be owned and managed by Resurgent Capital Services. CFPB complaints document instances where consumers received responses from Resurgent with no disclosure that CACH had undergone bankruptcy or that the portfolio had been transferred. When you dispute or request verification, address your written communication to both entities and ask for complete documentation of the chain of assignment — who sold the account, when, and to whom.
- Resurgent Capital Services is the operational collector for CACH LLC accounts — they share operational infrastructure with LVNV Funding LLC, another major debt buyer under the Resurgent umbrella.
- Chain of assignment matters — under the FDCPA, a debt collector must be able to document a complete, unbroken chain of assignment showing they have the legal right to collect. Request this documentation in writing if you dispute the account.
Court records are sourced from CourtListener, maintained by the Free Law Project. Bankruptcy records from the Southern District of New York bankruptcy court.
What To Do If CACH LLC Is Contacting You
- Confirm who is actually collecting — ask for the complete chain of assignment. CACH LLC filed for bankruptcy in 2017 and its portfolio transferred to Resurgent Capital Services. With 106 CFPB complaints — many involving confusion over who owns the account — your first step is to confirm in writing whether you’re dealing with CACH LLC or Resurgent Capital, and whether they can document a complete, unbroken chain of assignment showing they have the right to collect.
- Check how old the account is before responding. CACH LLC purchased charged-off credit card accounts, often years after the original default. If the account is older than your state’s statute of limitations for credit card debt (typically 3 to 6 years), they cannot win a lawsuit against you — though they can still request payment. Check your state’s statute of limitations here.
- Request a debt validation notice in writing. CACH LLC and Resurgent Capital are legally required to send you a written notice within 5 days of first contact including the amount owed, the original creditor’s name, and your right to dispute. If they haven’t sent one, demand it in writing. Under Regulation F, the notice must include an itemized list and a dispute form.
- Dispute identity theft accounts immediately in writing. CFPB complaints referencing CACH LLC include multiple accounts where consumers allege identity theft. If you believe the account was opened fraudulently, file an identity theft report at IdentityTheft.gov and submit a written dispute to both CACH LLC and Resurgent Capital with a copy of your report.
- Send a cease-and-desist if you want calls to stop. A written request by certified mail legally requires them to stop contacting you (except to confirm receipt or advise of legal action).
- Document everything. Date, time, what they said, which number called, which entity name they used. If they violate the FDCPA — including failing to disclose the portfolio transfer or continuing collection after a valid dispute — each violation can be worth up to $1,000 plus attorney fees in federal court.
For the complete guide: Your Rights When a Debt Collector Calls.
Your FDCPA rights in brief: CACH LLC / Resurgent Capital must stop collection if you send a written cease request by certified mail. You can demand written debt verification within 30 days of first contact. FDCPA violations can be sued in federal court for up to $1,000 plus attorney fees. Full rights breakdown here.
Key Takeaways
- CACH LLC was a debt buyer whose parent, Square Two Financial, filed Chapter 11 bankruptcy in March 2017 (Case No. 17-10659, S.D.N.Y.)
- CACH’s portfolio was sold to Resurgent Capital Services — the same company behind LVNV Funding
- The operational collector for CACH LLC accounts is Resurgent Capital Services: 864-248-8700
- 106 CFPB complaints — the #1 issue is collection of debt consumers say they don’t owe (27 complaints)
- CFPB complaints document identity theft accounts being pursued and failure to disclose the portfolio transfer
- Always request the complete chain of assignment in writing — CACH’s bankruptcy means the account likely changed hands multiple times
Frequently Asked Questions About CACH LLC
Who is CACH LLC?
CACH LLC was a debt buyer and subsidiary of Square Two Financial Services Corporation. In March 2017, Square Two Financial filed Chapter 11 bankruptcy (Case No. 17-10659, S.D.N.Y.), and CACH LLC’s debt portfolio was sold to Resurgent Capital Services LP. CACH LLC now exists as a shell entity — all active collection operations are handled by Resurgent Capital Services, which also manages LVNV Funding accounts. The CFPB complaint database contains 106 complaints referencing CACH LLC, with debt not owed as the top complaint category.
Is CACH LLC a scam?
CACH LLC is — or was — a licensed debt buyer operating under the FDCPA, not a scam. However, its parent company went through bankruptcy in 2017 and the portfolio transferred to Resurgent Capital Services. Consumer complaints in the CFPB database document instances where Resurgent responded to complaints without disclosing the bankruptcy or portfolio transfer, which created confusion for consumers about who owns the debt. This lack of transparency is documented in multiple CFPB narratives. CACH LLC is legitimate; the key issue for consumers is confirming who they are actually dealing with and whether that entity can prove a complete chain of assignment.
Why is CACH LLC showing up on my credit report if they went bankrupt?
The 2017 bankruptcy was by CACH LLC’s parent company, Square Two Financial — not CACH LLC itself. The portfolio (including the account reporting on your credit report) was sold to Resurgent Capital Services. Under the Fair Credit Reporting Act, you have the right to dispute any inaccurate or unverifiable account on your credit report regardless of how many times the account has changed hands. If CACH LLC appears as a creditor and you believe the account is inaccurate, dispute it directly with each credit bureau and request validation from Resurgent Capital Services.
How do I know if I’m dealing with CACH LLC or Resurgent Capital Services?
Ask directly in writing. Request that the collecting entity confirm the current account owner and provide complete chain of assignment documentation — who the original creditor was, when the account was charged off, when it was sold to CACH LLC, and when it was transferred to Resurgent Capital. CFPB complaint narratives document consumers receiving responses from Resurgent without any mention of the bankruptcy or transfer. Under the FDCPA, you are entitled to know who owns the debt being collected.
How do I stop CACH LLC or Resurgent Capital from calling me?
Send a written cease-and-desist letter by certified mail with return receipt to Resurgent Capital Services LP, 55 Beattie Place, Suite 110, Greenville, SC 29601. Under the FDCPA, once they receive your written request they must stop all collection contact, except to confirm receipt or advise of legal action. Keep copies of the letter and your certified mail tracking number. Direct any credit report dispute separately to each of the three credit bureaus.
Can CACH LLC sue me?
CACH LLC as a shell entity is unlikely to initiate new lawsuits, but Resurgent Capital Services — which now manages the portfolio — has standing to sue in CACH’s name or its own name depending on how the assignment was structured. Whether they sue depends on the balance, how old the debt is, and your state’s statute of limitations for credit card debt. If the debt is time-barred in your state, neither entity can win a collection lawsuit. Check your state’s statute of limitations before responding to any collection demand.
Should I pay CACH LLC or negotiate with the original creditor?
The original creditor no longer owns the account — CACH LLC purchased it from the creditor, then the portfolio transferred to Resurgent Capital. You are now dealing with Resurgent Capital Services as the debt owner. Before paying or negotiating, confirm the account is valid, request the chain of assignment in writing, verify the balance is accurate, and check whether the debt is within your state’s statute of limitations. Because the debt was purchased at a discount, there is often room to negotiate a reduced settlement. Get any agreement in writing before sending money.
Know Your Rights: If a debt collector is contacting you, you have legal protections. See the complete list of FDCPA violations collectors commit most often. Use the free Debt Validation Letter Generator to demand proof of the debt, or check this collector’s complaint history with the Scam-O-Meter.
Dealing With Debt? Before you pay a collector, understand all your debt relief options — including ones the collector won’t tell you about. If the debt feels unmanageable, take the 2-minute bankruptcy quiz to see if the math favors a fresh start. Federal Reserve research shows filers recover faster than those who don’t file.
