Average auto loan debt: $23,792. Auto loans are secured debt — the lender can repossess. However, deficiency balances after repossession can be disputed, especially if the sale wasn't commercially reasonable.
Common CACH LLC Violations
Mass-filing lawsuits with robo-signed affidavits
Collecting on debts with broken chain of title
Misrepresenting the current creditor
Auto Loan Debt Dispute Strategies
1
Challenge deficiency balance after repossession
2
Verify the sale was commercially reasonable (UCC requirement)
3
Dispute if proper repossession notice wasn't given
4
Check for state-specific redemption rights
5
Validate any collection attempts under FDCPA
Tips Against CACH LLC
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