Sued by CACH LLC in Maryland? Here's What to Do Next
Maryland RESPONSE DEADLINE
30 Days
from the date you were served
STATUTE OF LIMITATIONS
3 Years
for typical CACH LLC debts in MD
WAGE GARNISHMENT
Allowed — up to 25%
CACH LLC in Maryland
CACH LLC files fewer cases in Maryland than in larger states — the CFPB Consumer Complaint Database shows no Maryland complaints against CACH LLC in the last 24 months. The legal playbook is the same: CACH LLC must still prove they own the debt, the amount they claim is correct, and the 3-year Maryland statute of limitations has not run.
About CACH LLC
CACH LLC is a debt buying company that purchases portfolios of defaulted consumer accounts. CACH is one of the more aggressive small-to-medium debt buyers and files lawsuits across multiple states. They are known for purchasing older debts and pursuing collection on accounts where documentation may be thin. CACH has been the subject of numerous FDCPA lawsuits from consumers who challenged their collection practices.
Type: Debt Buyer. Common debt types: credit card, personal loan, medical.
CFPB Enforcement History
CACH, LLC is a debt buyer that was owned by SquareTwo Financial Corporation until both filed for Chapter 11 bankruptcy in March 2017, after which CACH's debt portfolio was sold to Resurgent Capital Services LP. We could not identify a public CFPB consent order or enforcement action against CACH itself, but the company has been named in numerous private FDCPA lawsuits over its collection practices and continues to appear on consumers' credit reports.
Maryland-Specific Defenses Against CACH LLC
Statute of Limitations Defense
In Maryland, the statute of limitations for credit card debt is 3 years. If your last payment was more than 3 years ago, the debt is time-barred. CACH LLC has been the subject of CFPB findings related to suing on time-barred debts — check your dates carefully and raise the SOL defense in your Answer.
Lack of Standing / Chain of Title
As a debt buyer, CACH LLC must prove they actually purchased your specific account. Demand the complete chain of title — the purchase agreement, bill of sale, and assignment documents. In Maryland courts, failing to produce this documentation can result in dismissal.
Challenge the Amount
Demand a complete accounting from the original creditor's last statement through the current claimed balance. Any unauthorized fees, post-charge-off interest, or collection costs not in the original agreement should be disputed line by line.
Maryland Wage Garnishment Exemptions
Greater of 75% of disposable wages or 30x federal minimum wage exempt. Caroline, Kent, Queen Anne's, and Worcester counties: $145/week minimum exempt.
Maryland Consumer Debt Collection Act / Maryland Consumer Protection Act
In addition to the federal FDCPA, Maryland's Maryland Consumer Debt Collection Act / Maryland Consumer Protection Act may provide additional protections and remedies against CACH LLC's collection practices.
Maryland Court System
District court handles cases up to $30,000. Circuit court for larger amounts. Filing fees in Maryland typically range $35-$300.
Common FDCPA Violations by CACH LLC
- Filing suit without adequate chain-of-title documentation
- Attempting to collect debts past the statute of limitations
- Using generic bill-of-sale documents that do not identify the specific account
- Failing to validate debts after receiving timely written dispute
- Suing in inconvenient forums far from where the consumer lives
Statute of Limitations in Maryland
| Debt Type | SOL (Years) |
|---|---|
| Credit Card | 3 |
| Medical | 3 |
| Auto | 3 |
| Personal Loan | 3 |
| Written Contract | 3 |
| Oral Contract | 3 |
Frequently Asked Questions
Who is CACH LLC?
CACH LLC is a debt buying company that purchases defaulted consumer debts and sues to collect. They are not the original creditor and must prove they properly purchased your specific account.
Does CACH LLC have proper documentation?
Often, no. CACH is known for filing lawsuits with minimal documentation. They may use generic bills of sale that do not specifically identify your account. Challenge them to prove ownership.
How old is the debt CACH is suing me for?
CACH frequently purchases older debts. Check your state's statute of limitations — if the debt is too old, you have a complete defense. Do not make any payments, as this could restart the clock.
Can I get the CACH lawsuit dismissed?
Yes, many CACH lawsuits are dismissed when consumers file an Answer and challenge the debt buyer's standing, documentation, and compliance with the statute of limitations.
How long to respond in Maryland?
30 days from service.
What is the SOL in Maryland?
3 years for all contract types. This is one of the shortest in the country.
Does Maryland have its own collection law?
Yes. The Maryland Consumer Debt Collection Act provides additional protections beyond the federal FDCPA.
Can wages be garnished?
Yes. 25% of disposable earnings, with minimum weekly exemptions varying by county.
Was the collector suing me licensed in Maryland?
This is the first question to ask in any Maryland debt-buyer suit. Under the Maryland Collection Agency Licensing Act (Md. Bus. Reg. § 7-101 et seq.), any collection agency or debt buyer collecting Maryland consumer debt must be licensed by the State Collection Agency Licensing Board. The Maryland Court of Appeals held in Finch v. LVNV Funding (2016) that judgments obtained by unlicensed debt buyers are void and unenforceable. After Finch, thousands of LVNV judgments were vacated. You can check whether a collector is licensed by searching the Department of Labor's licensing database at the Maryland State Collection Agency Licensing Board page. If the collector who sued you was unlicensed at the time, you may be able to vacate any judgment, get any garnished wages back, and pursue MCDCA claims for actual damages, attorney's fees, and punitive damages. Maryland consumer attorneys routinely litigate licensing-based defenses, and the fee-shifting in the MCDCA means representation often costs nothing out of pocket.
What is the statute of limitations on credit-card debt in Maryland?
Maryland has a 3-year statute of limitations on most contract and credit-card debt under Md. Cts. & Jud. Proc. § 5-101. That is shorter than many states. The clock runs from the date of breach - typically the date of last payment or charge-off. Maryland is a strict state on this: the SOL is a complete defense if pleaded properly, and Maryland Rule 3-308 makes it an affirmative defense that must be raised in your answer. Maryland law (Md. Comm. Law § 14-202(11)) also explicitly prohibits collectors from filing suit on time-barred debt, threatening to file, or attempting to collect through the courts after the SOL has run. That makes Maryland one of the few states where suing on a time-barred debt is itself a per-se statutory violation by the collector. If a collector sues you after the 3-year clock has expired, you may have both a defense to the suit and a counterclaim worth statutory damages and attorney's fees. Do not pay or even acknowledge old Maryland debt without first checking the SOL.
Can a collector garnish my wages in Maryland?
Yes, but only after suing you and obtaining a judgment, and then only up to limits set by Md. Comm. Law § 15-601.1. Maryland caps wage garnishment at the lesser of (a) 25% of your disposable income or (b) the amount your disposable income exceeds 30 times the federal minimum wage, with somewhat stronger protections in certain counties. Maryland also protects more income types than federal law: Social Security, SSI, VA benefits, unemployment, workers' comp, child support received, and most public assistance cannot be garnished for ordinary consumer debt. To stop or reduce an active wage garnishment, you can file a motion in the court that issued the order claiming exemption, asserting hardship, or contesting the underlying judgment - particularly if the original debt buyer was unlicensed (see Finch v. LVNV). Maryland Legal Aid and many consumer attorneys take these cases on a fee-shifting basis, so representation may cost nothing if you have a viable defense.
What protections does the MCDCA add beyond federal FDCPA?
The Maryland Consumer Debt Collection Act is broader than the federal FDCPA in several important ways. First, it applies to both third-party collectors and original creditors, whereas federal FDCPA mostly exempts original creditors. Second, it specifically prohibits collectors from claiming a right to enforce a debt with knowledge they have no such right - which is the basis for many Finch-style licensing claims. Third, it explicitly prohibits collectors from suing or threatening to sue on time-barred debt. Fourth, MCDCA violations can support claims under the Maryland Consumer Protection Act (Md. Comm. Law § 13-101), which authorizes treble damages and attorney's fees. Combined federal-FDCPA and MCDCA claims often produce larger recoveries than federal law alone. Maryland courts have also been generally receptive to consumer claims. Common MCDCA violations include collecting without a license, suing on time-barred debt, misrepresenting amounts owed, harassing communication, and contacting consumers after a cease-and-desist letter.
How do I respond to a Maryland District Court collection lawsuit?
You generally have 30 days from service to file a written Notice of Intention to Defend with the District Court. Never ignore the summons - that leads to a default judgment, which becomes the basis for wage garnishment and bank seizures. In your answer, raise every available affirmative defense: statute of limitations (3 years for most contract debt), lack of standing (the debt buyer must prove a complete chain of title from original creditor to itself), unlicensed collection activity under the Collection Agency Licensing Act, failure to validate under FDCPA § 1692g, and any improper service or venue. Maryland courts require debt buyers to produce actual proof of assignment, not just a generic affidavit - missing or incomplete documentation is a common reason for dismissal. Maryland Legal Aid (1-866-MD-LAW-HELP) provides free or low-cost help for income-eligible consumers, and many private consumer attorneys take these cases on contingency or with fee-shifting. Counter-suing under MCDCA and FDCPA can transform the case from "how do I avoid paying" into "the collector pays me."
Sued by CACH LLC in Another State?
CACH LLC files cases nationwide. Select your state for the response deadline, statute of limitations, and state-specific defenses.
Sued by a Different Collector in Maryland?
The 30-day Maryland response deadline applies no matter who sued you. Pick the creditor on your summons for creditor-specific defenses.
This page summarizes public information from the CFPB Consumer Complaint Database, CFPB enforcement records, and Maryland state law. It is not legal advice. Statutes and court rules change — consult a licensed attorney in Maryland for guidance on your specific case.
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