Specifically for CACH LLC collecting credit card debt in Birmingham, AL
Step-by-step guide to filing FDCPA complaints with the CFPB, FTC, and your state attorney general. This guide is tailored to residents of Birmingham dealing with CACH LLC, one of the most-complained-about debt collectors for credit card debt accounts. In Alabama, the statute of limitations is 6 years and wage garnishment is capped at 25% of disposable earnings.
6 years
Alabama SOL on Credit Card Debt
$5,221
Average Credit Card Debt
25% of disposable earnings
Garnishment Limit
CACH LLC has a documented pattern of FDCPA violations. If any of these happen to you, document them immediately and file a CFPB complaint.
These steps apply directly to your situation as a Birmingham resident dealing with CACH LLC.
Common FDCPA violations: calling outside 8am-9pm hours, using profane language, threatening arrest, misrepresenting the debt amount, contacting your employer after being told to stop, or continuing collection after a written dispute.
Collect: call logs with dates and times, voicemail recordings, letters received, certified mail tracking numbers and green cards, and any written communication. The more documentation, the stronger your complaint.
Go to consumerfinance.gov/complaint. Choose 'Debt collection' as the category. Be specific about dates and violations. CFPB forwards complaints to the collector who must respond within 15 days. Collectors take CFPB complaints seriously.
Many states have their own debt collection laws with additional protections. Your state AG can take enforcement action. File at your state's AG consumer protection division website.
FDCPA allows you to sue in federal court within one year of the violation for $1,000 per violation plus actual damages plus attorney fees. Many consumer rights attorneys take these on contingency — you pay nothing upfront.
These strategies are specific to credit card debt — the type of debt CACH LLC is collecting from Birmingham residents.
No specific state debt collection act — FDCPA applies governs debt collection in Alabama. File complaints with: AG Consumer Protection.
In Alabama, wage garnishment is limited to 25% of disposable earnings. Income sources protected from garnishment include: Social Security, Workers' comp, Unemployment, Veterans' benefits. CACH LLC must first obtain a court judgment before any garnishment can begin.
The statute of limitations for credit card debt in Alabama is 6 years. After this period expires, CACH LLC cannot win a lawsuit on the debt if you raise the SOL as a defense in your Answer. Never ignore a lawsuit even on time-barred debt.
Known violations by CACH LLC include: Mass-filing lawsuits with robo-signed affidavits; Collecting on debts with broken chain of title; Misrepresenting the current creditor. Document any violations immediately and file a complaint at consumerfinance.gov/complaint.
To dispute credit card debt with CACH LLC: send a written validation request via certified mail within 30 days of first contact, demand the original creditor name, full chain of assignment, and original signed agreement. Start with: request debt validation under fdcpa § 1692g.
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