Cascade Capital


Is Cascade Capital hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

Who is Cascade Capital?

Cascade Capital, LLC, also known as Cascade365, is a debt collection agency in the United States, with offices in Petaluma, California, and Scottsdale, Arizona. The company’s primary role is to recover overdue or defaulted debts on behalf of their clients.

If you have unpaid bills, you may see Cascade Capital being listed on your credit report as a collections account.

Who does Cascade Capital collect for?

Cascade Capital specializes in collecting debts for specific industries, primarily in the consumer finance and healthcare sectors. Consumer finance companies include those providing personal loans, auto loans, credit cards, and more. While, healthcare companies may involve hospitals, clinics, or other healthcare providers who have unpaid invoices for their services.

Is Cascade Capital legit or a scam?

Cascade Capital is a legitimate company. They are authorized to collect debts on behalf of their clients. However, consumers should remain cautious and verify any debts that Cascade Capital claims they owe.

How can I remove Cascade Capital from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

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They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

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Cascade Capital, LLC Contact Information


Cascade Capital
1670 Corporate Cir Ste 202
Petaluma, CA 94954

Mailing address:

Cascade Capital, LLC
PO Box 4461
Petaluma, CA 94955

Phone number: (888) 417-1531

Should I contact or pay Cascade Capital?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with Cascade Capital is to work with a credit repair professional. They help remove millions of negative items every year from companies like Cascade Capital on behalf of their clients.

Will Cascade Capital sue me or garnish my wages?

Cascade Capital does have the legal right to sue you if you fail to pay a validated debt. If they decide to pursue this route and win a judgment against you, they may then be able to garnish your wages or levy your bank account, depending on the specific laws in your state. However, this scenario usually represents a last resort for debt collectors due to the cost and complexity of the legal process involved.

Cascade Capital, LLC Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Cascade Capital

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • It is a violation of federal law for Cascade Capital to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
  • Cascade Capital cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Cascade Capital must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • Cascade Capital cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Cascade Capital From Your Credit Report Today!

Credit Saint can help you dispute Cascade Capital accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.