CACH Letter Says a Sheriff Would Be Sent Shortly. – Douglas


“Dear Steve,

My mother received a collection letter at her home of which I have not lived for a number of years. The letter stated that a sheriff would be sent shortly to serve a complaint. The collection letter said that they are not a law firm, that they were just trying to collect a debt. The letter says CACH vs [redacted].

The only thing I can think of is that I was in a debt settlement program when I was about ready to settle a debt with Washington Mutual when CACH bought the debt. CACH would not settle on an amount. I then wrote them a letter to cease and desist all collection activity until they sent me the required information.

They did not send me the required infornation and I have not heard from them since March of ’08. I then get this letter sent to my mother’s address. The letter listed a case #, but no amount was listed. Do you think this a scare tactic? I know CACH is an aggressive collection agency and they are not kosher in some of their collection practices.

What should I do about this letter that the collection agency sent to my mother’s address.


Dear Douglas,

First thing I would do is to advise you to not panic. I know that is easier said than done but let’s get some facts first. And yes, it is a scare tactic, and it almost always works to scare.

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CACH has a notorious reputation of bullying, intimidating and maybe even bending and breaking the boundaries of collection activities. I would not first assume that you are being sued, but I also would not disregard the letter.

I think the first thing you should do is to get a copy of your consolidated credit report. It is very important that it is a consolidated credit report and the one linked to is the one I use and love.

The consolidated credit report will show you if there are any outstanding collection items out there.

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Next, if you do have outstanding debts that you owe we need to come up with a plan on how to deal with those.

Get your consolidated credit report, come back to

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Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
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