Frequently Asked Questions

If debt collectors are harassing or threatening you over a Curacao account, you may be protected under the Fair Debt Collection Practices Act (FDCPA). This federal law prohibits debt collectors from using abusive, unfair, or deceptive practices. Examples of violations include repeated calls, collecting on a debt not owed, threats of legal action they cannot… [Read More]

Stopping debt harassment begins with asserting your rights. You can send a cease-and-desist letter to the debt collector, which legally requires them to stop contacting you. You can also file a complaint with the Consumer Financial Protection Bureau (CFPB).

If Curacao’s actions, such as false credit reporting or illegal debt collection, has caused you harm, you may be eligible to sue for: Emotional distress, damage to your credit reputation, out-of-pocket expenses, a legal declaration that you do not owe the debt, and financial losses caused by increased interest rates, loan denials, or other financial… [Read More]

Yes, if Curacao’s actions caused financial harm or emotional distress, you may have a valid claim for damages. We will evaluate your case to determine if legal action is appropriate and help you recover compensation for your losses.

Adir International LLC operates under the trade name Curacao. If you have disputes or issues with Curacao, they are legally tied to Adir International LLC. Any legal action or claims you pursue against Curacao can be directed to Adir International LLC as their parent company.

Resurgent Capital Services L.P. is a debt collection agency that works on behalf of creditors or debt buyers, such as CACH LLC. CACH LLC is a company that purchases delinquent debts, such as unpaid credit card bills, personal loans, or medical debts, from original creditors at a discount and then attempts to collect the full… [Read More]

CACH LLC typically files lawsuits to recover debts it has purchased. You may be sued if they believe you owe money on a delinquent account. Many times, these lawsuits are filed without proper verification of the debt or may include inaccurate amounts. 👉 Don’t face a lawsuit alone! Reach out to the Law Office of… [Read More]

The first step is not to panic and never ignore the notice. Respond to the lawsuit by filing an “Answer” with the court within the specified time frame, which is often 30 days. Then, consult with an experienced debt defense attorney to review the details of your case. 👉 Schedule a consultation with the Law… [Read More]

Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request debt validation. This means CACH LLC must provide proof that: They own the debt. You owe the specific amount claimed. The debt is still collectible under your state’s statute of limitations. Many times, debt buyers like CACH LLC cannot produce adequate… [Read More]

Yes, in many cases, you can negotiate to settle the debt for less than the amount claimed. However, these negotiations should be handled carefully to avoid agreeing to unfavorable terms or restarting the statute of limitations. An experienced attorney can help you negotiate effectively. 👉 Let the Law Office of Balam O. Letona negotiate on… [Read More]