Average credit card debt: $5,221. Credit card debt is the most common consumer debt in America. Under the FCBA, you have 60 days to dispute billing errors. Many collection accounts lack proper documentation.
Common CACH LLC Violations
Mass-filing lawsuits with robo-signed affidavits
Collecting on debts with broken chain of title
Misrepresenting the current creditor
Credit Card Debt Dispute Strategies
1
Request debt validation under FDCPA § 1692g
2
Dispute billing errors under FCBA within 60 days
3
Check if debt exceeds statute of limitations
4
Negotiate settlement at 40-60% of balance
5
File CFPB complaint if collector violates 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