Sued by CACH, LLC in Florida? Who They Are & What to Do
Sued by CACH, LLC? What Florida Consumers Need to Know
If court papers from CACH, LLC just landed on your doorstep in Florida, the name alone is confusing — most people have never done business with anything called “CACH.” That’s because CACH is a debt buyer: it purchases old, charged-off accounts from banks and lenders, then collects or sues on them. I’m Michael Ziegler, and our firm has defended Florida consumers against debt-buyer lawsuits for more than a decade. Debt-buyer cases have a specific anatomy — and specific weak points — so before you panic or pay, here’s what CACH is, why it’s suing you, and how to respond inside Florida’s deadlines.
What Is CACH, LLC?
CACH, LLC is a debt-buying company — not a lender you ever borrowed from. It acquires portfolios of delinquent accounts (often credit cards and personal loans), typically for less than their face value, and then collects or sues on the full balance. Per its Florida Division of Corporations registration, CACH, LLC’s principal address is 355 S. Main Street, Suite 300-B, Greenville, South Carolina 29601.
If you’ve seen references to CACH in Denver, Colorado, that’s its corporate history: CACH was an affiliate of Denver-based SquareTwo Financial, whose portfolio assets were sold to Resurgent Holdings LLC in SquareTwo’s 2017 Chapter 11 bankruptcy (In re SquareTwo Financial Services Corp., No. 17-10659, Bankr. S.D.N.Y.) — which is why old paperwork and search results sometimes point to Denver. Older filings also listed a Las Vegas, Nevada address for CACH, so dated records may show that, too.
CACH and Resurgent Capital Services — Why You Get Mail From Both
CACH, LLC accounts are serviced by Resurgent Capital Services, L.P., a Greenville, South Carolina-based servicing company — the same company that manages accounts for LVNV Funding. So your letters may come from Resurgent while the lawsuit names CACH: same account, two names. If Resurgent is the name you keep seeing, our Sued by Resurgent Capital Services page covers that side. Resurgent’s published consumer line is 1-888-665-0374.
Why Is CACH, LLC Suing Me?
Somewhere along the line, a creditor charged off an account and sold it — possibly through several owners — until it reached CACH. CACH sues to convert that purchased paper into a court judgment, because a judgment unlocks collection tools like wage garnishment and bank levies. The critical implication: CACH must prove it owns YOUR specific account with a documented chain of assignment from the original creditor. In our experience defending these cases, the documentation behind a purchased account is not always complete — which is exactly what your defense attorney will check first.
How to Respond to a CACH Lawsuit in Florida — 5 Steps
1. Respond before the deadline
Small claims (up to $8,000) requires you to appear at an early pretrial conference; county court (up to $50,000) and circuit court give you 20 days from service to file a written response. Silence = likely default judgment.
2. Demand the paper trail
Debt-buyer cases live or die on documentation: the cardmember agreement, account statements, and the bill of sale chain connecting the original creditor to CACH. Don’t assume they have it.
3. Check the age of the debt
Purchased debt is often years old by the time a lawsuit is filed. Florida generally allows five years to sue on written-agreement debts — see Florida credit card lawsuit time limits. If the clock has run, that may be a complete defense — but you have to raise it.
4. Weigh settlement vs. the bigger picture
A debt buyer that purchased the account for less than face value may have room to negotiate — and documentation problems create more. And if this suit is one of several debts, bankruptcy may resolve the whole picture at once. Look, I know this is stressful — but this decision is exactly where an objective review pays for itself.
5. Get any agreement in writing
Amount, terms, and dismissal of the lawsuit — in writing, before money moves.
FAQ: CACH, LLC Lawsuits in Florida
How do people beat CACH, LLC in court?
There’s no guaranteed outcome in any case — but debt-buyer suits are most often defeated on proof: no admissible chain of ownership, unsupported balances, or a statute of limitations that expired before filing. The defense starts with responding on time, because a default judgment ends the case before any of those weaknesses matter.
What is CACH, LLC’s address?
Per its Florida Division of Corporations registration, its principal address is 355 S. Main Street, Suite 300-B, Greenville, SC 29601; account servicing runs through Resurgent Capital Services (1-888-665-0374). Older records reference Denver, CO — CACH’s former corporate parent, SquareTwo Financial, was Denver-based — and a previously registered Las Vegas, NV address.
CACH got a judgment against me — is it over?
No, but the urgency changes. Post-judgment, Florida exemptions (head-of-family wages, certain accounts and property) may still protect you, and in some situations a default can be challenged. Read what happens after a judgment is entered and talk to a defense attorney promptly.
Is CACH, LLC a scam?
No — it’s a real, registered debt buyer, and its lawsuits are real. Treat the summons as genuine and time-sensitive, but verify every claim in it.
Can CACH garnish my wages in Florida?
Only with a judgment. Before judgment: no. After: Florida’s exemptions may still protect some or all of your income — timing matters.
Sued by CACH? Get the Case Reviewed Before You Decide Anything
Ziegler Diamond Law has defended Florida consumers against debt buyers for over a decade — lawsuits, bankruptcy, credit reporting errors, and collection harassment, all under one roof. We’ll pull the case apart, check the paper trail, and give you a straight answer about your options.
Call (727) 538-4188 for a Free Debt Freedom Strategy Session, or schedule online.
This page is general information, not legal advice. For Florida residents, contact Ziegler Diamond Law for a Free Debt Freedom Strategy Session.