Frequently Asked Questions

You may have several defenses available, including: CACH LLC cannot prove they own the debt. The statute of limitations has expired. You were not properly served with the lawsuit. The debt amount or account information is inaccurate. You were a victim of identity theft, and the debt is not yours. Each case is unique, and… [Read More]

Ignoring a lawsuit from CACH LLC is one of the worst things you can do. If you fail to respond, the court will likely issue a default judgment against you. This judgment can allow CACH LLC to garnish your wages, freeze your bank account, or place liens on your property. 👉 Avoid default judgments by… [Read More]

The statute of limitations is the legal time limit within which a creditor or debt buyer can sue you for unpaid debt. This time frame varies by state and can range from 3 to 10 years, depending on the type of debt and where you live. If the statute of limitations has expired, you can… [Read More]

Yes, they can report delinquent debts to credit bureaus, which can negatively impact your credit score. However, if the information is inaccurate or outdated, you have the right to dispute it under the Fair Credit Reporting Act (FCRA). 👉 Contact the Law Office of Balam O. Letona for help disputing inaccurate credit reports and holding… [Read More]

The Law Office of Balam O. Letona has extensive experience defending clients against debt collection lawsuits. They can: Review the lawsuit and identify any weaknesses in the creditor’s case. Challenge improper documentation or procedural errors. Negotiate settlements or payment plans on your behalf. Provide legal representation in court to protect your rights and financial future…. [Read More]