Specifically for CACH LLC collecting personal loan debt in Phoenix, AZ
What to do when a creditor gets a garnishment order, how to challenge it, and state-by-state exemptions that may protect your wages. This guide is tailored to residents of Phoenix dealing with CACH LLC, one of the most-complained-about debt collectors for personal loan debt accounts. In Arizona, the statute of limitations is 6 years and wage garnishment is capped at 25% of disposable earnings.
6 years
Arizona SOL on Personal Loan Debt
$8,018
Average Personal Loan 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 Phoenix resident dealing with CACH LLC.
Creditors must first obtain a court judgment, then apply for a garnishment order from the court, then serve your employer. Your employer is legally required to withhold wages and send them to the creditor. This is a multi-step legal process — if there's a judgment you didn't know about, you were likely served and ignored it.
Federal law limits garnishment to 25% of disposable earnings or the amount exceeding 30x federal minimum wage, whichever is less. But many states have stronger protections: NC, PA, TX have virtually no garnishment for consumer debts. FL protects head-of-household wages entirely.
If the garnishment would cause you financial hardship, or if you qualify for an exemption (Social Security income, disability, certain retirement accounts), file a Claim of Exemption with the court that issued the order. Do this within the deadline (usually 10-30 days).
If you were never properly served with the lawsuit, you may be able to set aside the default judgment through a 'motion to vacate.' This undoes the judgment and gives you a chance to actually defend the case.
Offer the creditor a lump-sum settlement to release the garnishment. With a judgment already in place, creditors may accept 50-60% as a lump sum rather than waiting for months of garnishment. Get the release in writing.
These strategies are specific to personal loan debt — the type of debt CACH LLC is collecting from Phoenix residents.
ARS § 32-1001 (Collection Agency Licensing) governs debt collection in Arizona. File complaints with: AG Consumer Protection.
In Arizona, wage garnishment is limited to 25% of disposable earnings. Income sources protected from garnishment include: Social Security, Workers' comp, Unemployment, Disability. CACH LLC must first obtain a court judgment before any garnishment can begin.
The statute of limitations for personal loan debt in Arizona 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 personal loan 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: demand debt validation under fdcpa.
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