Sued by CACH LLC in Utah? Here's What to Do Next
Utah RESPONSE DEADLINE
21 Days
from the date you were served
STATUTE OF LIMITATIONS
6 Years
for typical CACH LLC debts in UT
WAGE GARNISHMENT
Allowed — up to 25%
CACH LLC in Utah
CACH LLC files fewer cases in Utah than in larger states — the CFPB Consumer Complaint Database shows no Utah 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 6-year Utah 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.
Utah-Specific Defenses Against CACH LLC
Statute of Limitations Defense
In Utah, the statute of limitations for credit card debt is 6 years. If your last payment was more than 6 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 Utah 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.
Utah Wage Garnishment Exemptions
Federal limits apply.
Utah Consumer Sales Practices Act
In addition to the federal FDCPA, Utah's Utah Consumer Sales Practices Act may provide additional protections and remedies against CACH LLC's collection practices.
Utah Court System
Small claims limit $11,000. District court handles larger civil cases. Filing fees in Utah typically range $50-$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 Utah
| Debt Type | SOL (Years) |
|---|---|
| Credit Card | 6 |
| Medical | 4 |
| Auto | 6 |
| Personal Loan | 6 |
| Written Contract | 6 |
| Oral Contract | 4 |
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 Utah?
21 days from service.
What is the SOL in Utah?
6 years for written contracts. 4 years for oral contracts.
Can wages be garnished?
Yes. Federal limits apply.
Where are cases filed?
Small claims up to $11,000. District court for larger amounts.
Is a debt collector required to be registered in Utah?
Yes. The Utah Collection Agency Registration Act, Utah Code § 12-1-1 et seq., requires collection agencies to register with the Utah Department of Commerce, Division of Corporations and Commercial Code, and to post a $10,000 surety bond before collecting consumer debts in Utah. You can verify registration using the Division's online business search at corporations.utah.gov. If a collector contacting or suing you is not properly registered, that itself can be raised as a defense and can support a complaint to the Division of Consumer Protection and the Attorney General. The registration requirement applies to third-party collection agencies and debt buyers collecting in their own name; it does not apply to original creditors collecting their own debts, attorneys collecting in the course of legal practice, or certain regulated financial institutions. The bond is meant to provide a source of recovery if the collector causes consumer harm through unlawful practices.
How much of my wages can a debt collector take in Utah?
After a judgment, Utah follows the federal garnishment cap under the Consumer Credit Protection Act, codified for Utah at Utah Code § 70C-7-103. A judgment creditor can take the lesser of 25% of your disposable earnings or the amount by which your weekly disposable earnings exceed 30 times the federal minimum wage. Disposable earnings means what is left after legally required deductions like federal and state taxes and Social Security, not voluntary deductions. Utah does not provide enhanced wage protections beyond the federal floor. Child support, taxes, and federal student loans can be garnished at higher amounts under federal law. Utah law also provides a mechanism for a judgment debtor to claim hardship and request reduction of the garnishment by motion. If a collector is taking more than 25% of disposable earnings, you can file a motion to release a portion of the garnishment by showing it would cause undue hardship.
What is the statute of limitations on debt in Utah?
Utah's general statute of limitations on a written contract, which includes most credit card cardholder agreements, is six years under Utah Code § 78B-2-309. For oral contracts and open accounts, the limitations period is four years. For installment loans, the clock generally starts ticking on each missed payment, although most courts treat the full balance as due once the lender accelerates the loan. For out-of-state creditors, Utah has a borrowing statute, Utah Code § 78B-2-103, that applies the shorter of Utah's limitations period or the period of the state where the cause of action accrued. If you are sued on a debt past the limitations period, you must raise statute of limitations as an affirmative defense in your answer or you will waive it. Making a payment or signing a new written agreement on an old debt can restart the clock under Utah law, so do not pay or sign anything on a suspected time-barred debt without legal advice.
I was sued in Utah small claims court. What should I expect?
Utah small claims court, under Utah Code § 78A-8-102, handles civil cases up to $11,000. You will be given a specific court date in the summons (affidavit and order), not a deadline to file a written answer like in district court. Show up. If you fail to appear, the court will likely enter a default judgment for the collector. Bring any documents you have, including the original contract if available, payment records, and any letters from the collector. Make the debt buyer prove they own the debt by asking the judge to require them to produce the bill of sale, the chain of assignments from the original creditor to the current plaintiff, and the original cardholder agreement. Many small claims debt buyer cases fall apart when the plaintiff appears with only a one-page affidavit and no underlying records. You can also raise affirmative defenses orally, including statute of limitations, failure to register as a collection agency, and lack of standing. Either side can appeal a small claims decision to district court within 30 days, where the case is heard fresh.
Can I sue a debt collector in Utah for violations?
Yes. The federal Fair Debt Collection Practices Act, 15 U.S.C. § 1692k, allows you to sue an abusive third-party debt collector for actual damages, statutory damages up to $1,000 per lawsuit, and attorney fees and costs. Common violations include calling repeatedly, calling at unreasonable hours (before 8 a.m. or after 9 p.m. local time), threatening lawsuits the collector does not intend to file, misrepresenting the amount of the debt, contacting third parties about your debt, and continuing to collect after a written cease and desist or a dispute. The Utah Consumer Sales Practices Act, Utah Code § 13-11, also provides a private right of action for deceptive and unconscionable practices in consumer transactions. Keep records of every call (date, time, what was said), every letter, and every voicemail. The one-year FDCPA statute of limitations runs from the date of the violation under § 1692k(d), so do not wait to consult a consumer protection lawyer if you suspect violations.
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 Utah?
The 21-day Utah 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 Utah state law. It is not legal advice. Statutes and court rules change — consult a licensed attorney in Utah for guidance on your specific case.
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