CACH LLC

Corporate structure

Who owns CACH LLC?

CACH LLC is an independent debt buyer with no publicly documented parent company.

Common original creditors whose accounts CACH LLC has purchased include: Citibank, Bank of America, Chase, Capital One, HSBC, GE Capital.

Your next steps

What to do if CACH LLC is suing you

1. 1
   Find your deadline immediatelyYou have a limited number of days to file your Answer after being served — typically 20 to 35 days depending on your state. Missing this deadline results in a default judgment. Check your state’s guide for the exact deadline.
2. 2
   Demand proof of ownershipCACH LLC must prove a valid, unbroken chain of assignment from your original creditor. In your Answer, raise lack of standing and require the plaintiff to produce the bill of sale and account-level documentation.
3. 3
   Check the statute of limitationsDebt buyers sometimes sue on old accounts. If the limitations period in your state has run since your last payment or the charge-off date, you may have a complete defense. Look up the state guide for your jurisdiction.
4. 4
   File your Answer — even if you plan to settleFiling a timely Answer preserves all your defenses and gives you leverage to negotiate a better settlement. Do not ignore the lawsuit expecting it to go away. See your state’s defense guide.

Frequently asked questions

Common questions about CACH LLC

• Who is CACH LLC?

  CACH LLC was a debt buyer based in Denver, Colorado, and a subsidiary of SquareTwo Financial Corporation. SquareTwo filed for Chapter 11 bankruptcy in March 2017 and subsequently liquidated. CACH LLC cases filed before that date may still be active in courts.

• Why would CACH LLC still be suing me?

  Lawsuits filed before SquareTwo's 2017 bankruptcy may still be pending, or previously obtained judgments may be eligible for renewal under your state's judgment-renewal rules. If you are served by CACH LLC, verify the case was filed before bankruptcy and check whether any judgment has been properly renewed.

• Can I challenge CACH LLC's right to sue me?

  Yes. CACH must establish standing by showing a valid chain of assignment from the original creditor. Given SquareTwo's bankruptcy, there may be issues with the chain of title or the authority of whoever is prosecuting the case.

• Is the statute of limitations relevant to a CACH LLC claim?

  Yes — and particularly so given how old many CACH accounts may be. If the limitations period has run since your last payment or the charge-off date, raise it as an affirmative defense. If CACH obtained a judgment previously, separately check your state's judgment-renewal period.

• Has CACH LLC faced regulatory enforcement?

  CACH LLC and SquareTwo faced various state-level regulatory actions and consumer complaints during their active years. The 2017 Chapter 11 bankruptcy effectively ended new collection operations.

• What should I do if CACH LLC is suing me?

  File a timely Answer before your state's deadline regardless of CACH's bankruptcy status — that does not eliminate your obligation to respond if served. Deny the material allegations and raise affirmative defenses, including standing, statute of limitations, and any issues with the chain of title.

State defense guides

Sued by CACH LLC? Find your state