Enerson Law, Cach, LLC Named in FDCPA Class Action Lawsuit

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Debt collectors Enerson Law, LLC and Cach, LLC are facing a proposed class action claiming the companies “are filing debt collection lawsuits and threatening Michigan residents” over alleged SallieMae debts that “they don’t own, have not been assigned, are not in the chain of title to prove ownership or have standing to sue upon.” This conduct, the lawsuit alleges, is a violation of the Fair Debt Collection Practices Act (FDCPA).

The suit notes that the defendants have a practice of suing Michigan residents based on student loan debts they say they bought from SLM Education Credit Finance Corporation. According to the complaint, however, SLM Education Credit Finance Corporation is not in the chain of title of assignment from SallieMae giving it power to sell these alleged debts to entities such as the defendants.