Have you been contacted or served CACH, LLC?  Most individuals who have been contacted by CACH, LLC have never heard of the company before.  CACH, LLC is a debt purchaser or a Junk Debt Buyer.  They buy debt from banks and other financial institutions, and then bring action against the borrowers. In Michigan CACH, LLC is often represented by G. Reynolds Sims and Associates, P.C. ans Weltman Weinberg & Reis.

The process of selling and buying debt is perfectly legal and is fairly common.  However, there are rules in place that protect individuals and to control how Debt Collectors conduct themselves.  The Fair Debt Collections Act covers personal and household debt including debt from credit cards and auto loans.  The FDCA dictates that debt collectors may not harass anyone or use deceptive practices in attempts to collect the debt.  Harassment includes calling repeatedly with the intent to annoy or abuse any person at the called number.  Debt collects cannot contact you at unreasonable times.  For example, they shouldn’t be contacting you at 6 a.m. or 10 p.m.  If CACH, LLC has engaged in this or other abusive behavior, they are in violation of the FDCA.  CACH, LLC and other debt collectors are permitted to contact third parties to get information about you.  Further, they may make multiple attempts to contact you.  Obtaining an Attorney can help you avoid the stress of communicating with debt collection agencies.  If you are being contacted in regards to paying a debt please contact Garmo & Kiste, PLC at (248) 398-7100 for a free consultation or contact us with a private message.

If CACH, LLC is taking legal action against you to collect the debt, you will need an attorney that can navigate the unique legal landscape of debt collection.  The legal process can be confusing and frustrating even when debt collectors conduct themselves legitimately.  The attorneys at Garmo & Kiste, PLC can do just that.  We regularly handle debt collections cases and have worked with debt collectors in the past.  This gives us a unique advantage because we understand both sides of litigation.

For more information about Debt Collection Defense and Bankruptcy Work or to retain Garmo & Kiste, PLC, call us at (248) 398-7100 for a free consultation or contact us with a private message.

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