CACH LLC is collecting auto loan debt in Pennsylvania where the statute of limitations is 4 years. Average auto loan debt: $23,792. Garnishment limit: No wage garnishment for most debts.
4 years
Statute of Limitations
$23,792
Average Auto Loan Debt
No wage garnishment
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
Challenge deficiency balance after repossession
Verify the sale was commercially reasonable (UCC requirement)
Dispute if proper repossession notice wasn't given
Check for state-specific redemption rights
Validate any collection attempts under FDCPA
Pennsylvania Protections
PA Fair Credit Extension Uniformity Act. File complaints with: AG Consumer Protection.