James Turner Office Address Orlando Attorney James Turner Logo Orlando Attorney James Turner Phone
orlando overtime attorney


Attorney N. James Turner Can Help
Stop The Harassment!


CACH, LLC is a subsidiary of Square Two Financial (formerly known as Collect America). CACH, LLC acquires rights to delinquent debts, then works with law firms around the country, providing them with debt files, court witnesses and other services so that the firms can collect the debts. 

A recent investigation by American Banker, a financial and banking publisher, revealed a prominent reason why debt buyers come up short: the forward flow agreement. 

A "forward flow" is an agreement between a debt buyer and debt seller to transact a fixed amount of debt over a fixed period of time for a predetermined price. For example a debt buyer and debt seller may enter an agreement to transact $20 million face value of debt each month for 12 months at a price of 7%. 

American Banker analyzed a particular forward flow agreement produced in a California civil court case concerning written-off debt that Bank of America sold to debt buyer, CACH, LLC. Bank of America sold these debts to CACH on an "as is" basis. 

Some disturbing characteristics of the forward flow agreement, drafted by Bank of America, include: 

CACH, LLC would initially receive no documentation to support the debt; CACH, LLC might not be able to acquire supporting documentation even if asked; Some accounts may be have been extinguished by bankruptcy; and The agreement cautioned that some stated balances could be inaccurate. Nevertheless, CACH, LLC went on to file thousands of lawsuits in state courts across the country. This manner of high volume, electronic transfer, and lawsuit churning are "emblematic of wider industry practice." 

These forward flow agreements may aid business interests by cutting corners, however, they appear to be evidence showing that debt buyers not only lack necessary proof, but also may be violating the Fair Debt Collection Practices Act (FDCPA) in the process. 

CACH LLC hires a local attorneys to call or sue consumers such as Pollack and Rosen; Federated Law Group, and Mandarich Law Group, to file a lawsuit against you in an attempt to collect on a debt.

From January 1, 2020 though September 1, 2020, Capital One has filed 500 lawsuits against Florida consumers just in Orange County, Florida.

Let me help you fight CACH, LLC.

If you are being sued by CACH, or are suffering debt collection abuse or harassment at the hands of CACH, contact me at (888) 877-5103.


Contact Debt Collection Defense Lawyer, N. James Turner at The Debt Relief Law Center by Calling Toll Free 1.888.877.5103 to Schedule a Confidential and FREE Legal Consultation.

Orlando Debt Collection Defense Lawyer, N. James Turner proudly serves the Debt Collection Defense and Consumer Rights legal needs for residents of Orlando, Kissimmee, Orange County, Osceola County, Seminole County, and throughout Central Florida.

Home | N. James Turner | Contact Us

Debt Collection Defense | Collection Harassment

Credit Card Debt Defense | Student Loan Issues

Identity Theft Issues | Garnishment

Wrongful Repossessions | Collections Lawsuits

Medical Debt | Bankruptcy

Debt Collectors | Deceptive Business Practices

Fair Debt Collection Practices Act (FDCPA)

Florida Consumer Protection Act (FCCPA)

Espanol | FAQ | Testimonials | Video | Articles


Orlando Attorney N James Turner IMG1





Attorney N James Turner IMG2

Lawyer N James Turner Logo

© 2020 N. James Turner, Attorney at Law.

All Rights Reserved. DISCLAIMER: The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask the lawyer to send you free written information about their qualifications and experience. This website has been prepared for informational purposes only and not as legal advice. Neither the transmission, nor your receipt of information from this website creates an attorney-client relationship, which can only be formed in writing between you and the attorney you choose to represent you.