I recently checked my report around May and noticed that CACH LLC has been placed on it stating that I owe them $1100. I called them to see what it is for and they said that they could not talk to me and directed me to the Law Offices of P. Scott Lowery. When I called them, they said that my account has not been assigned to a lawyer yet but would not tell me what this was for. So I asked them for verification over the phone and they sent me a letter that just states that I owe them $1100. I disputed it online with the credit bureaus and they sent back a letter saying that the debt was valid. I then called them to see if maybe they knew what the debt was for and they said all they did was ask the creditor if the debt was valid. I recently sent CACH LLC a letter of validation on the 16th of May and have not gotten anything back yet. All I got was the letters from the credit bureaus. I have never even gotten a letter from CACH LLC about the debt to begin with and was just going off of what was on my reports. When they sent me the letter of verification that I asked for over the phone, It was sent to my old address and the only reason that I got it was because they also sent a copy of it to my lawyers and they are the ones that gave me their copy of what CACH LLC sent them. Should I dispute this again to the credit bureaus and send them a copy of the debt validation and certified mail reciepts that I sent CACH LLC after the 30 days have passed or will they just verify the debt again? I just want to know what the debt is for. I did not think that it would be this hard to get a receipt or even the original creditors name.
Forums
No response from CACH LLC for debt validation
You can again send a written request for a debt validation letter to the CA via certified mail with a return receipt request. If they don’t reply within 30days of receiving the letter, then you can forward them a “Cease and Desist†letter. After that, if they are still trying to contact with you, then file a complaint against them to the State Attorney General or FTC. You may also dispute with the credit bureau regarding this issue and send them a copy of the debt validation letter and certified mail receipt that you sent in the past.
Subject: No response from CACH LLC for debt validation
Ok I will send another one and definitly dispute this with the credit bureau. I think after I dispute with them, they have two weeks no? The issue that I'm having problems understanding is that I have never recieved anything directly from them. They said they sent me a letter back in December but when I asked what address they sent it to, they give a really old address. I know that when they first send you out a letter, you have 30 days to respond. Does it count if the letter was not sent to my address? I have been at my address for two years now and when I try and tell them my correct address they ignore me. I never seen anything like it in my life. They said they sent a letter in December. Do I still have the right to dispute?
credit
'GUEST'.....if the agency is saying they sent a letter to your old address, they should be able to show you proof of that. If they can't, that's on them. If you haven't received any kind of validation within 30 days, at the address where you NOW reside, you can 'dispute' this with the CRA's. You need to send a letter to the CRA's explaining when you sent a letter to them and that (to this day) you've received nothing back. Send it 'certified mail' to the CRA's. That way you know if they received it. The post above, by SALLY, is good advice, as well.
CACH / P. Scott Lowery
Lowery served me papers on a debt that isn't mine. Do plenty of online research because there's lots of info out there. If you get served, don't freak out. File an "Answer" with the court that the suit was filed in within the proscribed 20 days or you're screwed. The "Answer" is your side of the story and there are a lot of ways to trip them up. The first is the verification/validation, you also have "Affirmative Rights" which provides you with other avenues such as they Plaintiff proving that they have a relationship with the ORIGINAL creditor; in my case, a bank. Or that you were not served correctly. It's all about research and documentation. I mailed them a copy of my Answer which is required by law as well as a Cease and Desist letter telling them that they can't contact me by phone, only by mail or in court. I filed my answer yesterday and the court date is Monday, Nov. 7th. I learned from the County Clerk that by filing my Answer I don't even have to show up for court because the judge will merely set a hearing date for the matter, probably about 6 weeks out which gives me more time for research. Do your homework, don't freak out and if you truly owe the debt they'll offer a settlement. If you don't owe the debt, they'll likely drop the case once they realize they're not dealing with a sucker.
cKONGbKIbBVhaLvPeyj
bM4gqK Really enjoyed this article post. Really Great.