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Hi. I got a letter from a company called Cach, LL. They say I owe them $4000+ dollars. The original creditor was HSBC Bank in Nevada. I wrote to Cach, LLC about the debt and they said they weren't a collection agency but some sort of middleman that gave the accounts to lawyers across the country so they could sue people. The way they appear to work is that they buy junk debt from years ago and sue. The people they sue get scared and don't answer the summons or show up in court, so Cach, LLC wins by default and start garnishing their wages, etc. I DO NOT want to talk to these bottom feeders, who I consider scum sucking the last life out of people suffering in this economy, suffering caused by people like them. So I called HSBC Bank in Nevada. They said that they couldn't tell me anything about the debt, that capital One bought up a bunch of HSBC's old files and, I'm guessing, sold them to these 'how do they sleep at night' law firms. This is just a shot in the dark, but is there any part of the laws in the FDCPA or any law that says they can't tell me ANYTHING about a debt they sold to Cach? I have called about a card that was charged off before from Capital One and they said I couldn't PAY them, as they had sold the debt to a collection agency, but they did tell me the account numbers and amounts and what sort of loan it was. I'd like to be able to call them back and demand they tell me the dates and amounts and account numbers, etc. but I'd need chapter and verse from the FDCPA. I know some of you have practically memorized the thing and I'm asking for a little help on which sections to cite to HSBC about this debt. The only record that I have on this debt is one showing up on my TransUnion credit report saying 'Paid as agreed'. I know that the SOL has passed on this, but I don't want to wait around for Cach, LLC to sue me, or have the summons 'lost' and find out when they empty my bank account. In fact, I'd like to sue them, if that was even possible, and HSBC too if I could. I'm just SO INCREDIBLY MAD that people are collecting gossip and selling it back and forth to each other and it being somehow OK in this country. Sorry for the rant but- chapter and verse anyone? Please. AND thank you.

Hi, I am new here. Hoping to fix my husband's credit before our dream home is sold, lol! We went to court last year with Cach LLC, they bought an account from Bofa and tried to scare us into paying them. We called their bluff and in the end, we won the case. A year later, I am still trying to get them to remove their false reporting off his credit report and they went from telling me they are working on it last week to saying today that they cannot remove anything that's been reported even if they lost their case in court. My question is, is this true? And also how can I get them to remove their reports off. Thanks in advance.