CACH LLC is collecting credit card debt in New York where the statute of limitations is 6 years. Average credit card debt: $5,221. Garnishment limit: 10% of gross income or 25% of disposable.
6 years
Statute of Limitations
$5,221
Average Credit Card Debt
10% of gross income
Garnishment Limit
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
New York Protections
NY General Business Law § 601 + NYC Consumer Protection Law. File complaints with: AG Consumer Protection.