CACH LLC Credit Card Debt in Baltimore, MD
CACH LLC is collecting credit card debt in Baltimore. Average: $5,221. Maryland SOL: 3 years. Garnishment: 25% of disposable earnings or $145/month (lesser).
Known CACH LLC Violations
- • Mass-filing lawsuits with robo-signed affidavits
- • Collecting on debts with broken chain of title
- • Misrepresenting the current creditor
Dispute Strategies
- • Request debt validation under FDCPA § 1692g
- • Dispute billing errors under FCBA within 60 days
- • Check if debt exceeds statute of limitations
- • Negotiate settlement at 40-60% of balance
- • File CFPB complaint if collector violates FDCPA
Tips
- • CACH buys charged-off credit card debt — demand the original agreement
- • Robo-signed affidavits may be invalid — challenge in court
- • If sued, demand they produce a witness with personal knowledge of the debt
- • Never acknowledge debt verbally — it can restart the SOL
- • Debt buyers often lack original documentation
- • Average SOL is 3-6 years depending on state