Sued by Cavalry SPV / Cavalry Portfolio Services? We'll Negotiate to Reduce What You Owe
Cavalry SPV I LLC and Cavalry Portfolio Services are debt buying entities that purchase and collect on defaulted consumer debts. Cavalry has been involved in numerous consumer complaints and lawsuits alleging violations of the FDCPA. They are known for purchasing large portfolios of credit card debt and aggressively pursuing collection, including filing lawsuits in bulk across multiple states. Cavalry has faced regulatory scrutiny for their documentation practices and collection tactics.
Type
Debt Buyer
Common Debt Types
credit card, personal loan, retail credit
Common FDCPA Violations by Cavalry SPV / Cavalry Portfolio Services
Filing lawsuits without proper documentation or chain of title
Suing on debts past the statute of limitations
Using robo-signed affidavits from employees without personal knowledge of account details
Misrepresenting the amount owed by adding unauthorized fees
Failing to respond to debt validation requests within statutory timeframes
Your Situation With Cavalry SPV / Cavalry Portfolio Services
If Cavalry SPV / Cavalry Portfolio Services Has Not Sued You Yet
You have more leverage. Act now — this is the best time to negotiate.
- Pre-suit negotiations typically get better settlements
- If you are within 30 days of first contact, we send a debt validation letter
- Statute of limitations may bar the debt entirely
If Cavalry SPV / Cavalry Portfolio Services Has Already Filed a Lawsuit
Do not wait. The collector expects 70-80%, but we still push for less.
- You typically have a 30-day response deadline
- Missing the deadline can result in a default judgment
- Attorney negotiation still reduces the amount significantly
How We Handle Cavalry SPV / Cavalry Portfolio Services Cases
- Free case review. Tell us about the debt and whether you have been sued. We check the statute of limitations, screen for FDCPA violations, and determine if debt validation applies — at no cost.
- Debt validation (if applicable). If you are within 30 days of Cavalry SPV / Cavalry Portfolio Services's first contact, we send a debt validation letter via certified mail. This forces them to pause collection and prove the debt is valid.
- We evaluate your defenses. Common defenses against Cavalry SPV / Cavalry Portfolio Services include statute of limitations, lack of standing (they cannot prove they own your debt), incorrect amount, and FDCPA violations.
- Our attorney negotiates directly with Cavalry SPV / Cavalry Portfolio Services. We contact the collector, present your financial hardship, and negotiate a reduced settlement. We start at 40-50% and push for the lowest amount possible.
- Written settlement agreement. We get everything in writing before you pay — exact amount, payment deadline, dismissal with prejudice (if sued), and full release of claims.
- FDCPA counterclaim if applicable. If Cavalry SPV / Cavalry Portfolio Services broke the law, our attorney can countersue at no cost to you — the collector pays.
Your Rights When Sued by Cavalry SPV / Cavalry Portfolio Services
Right to demand proof they own the debt
Right to dispute the amount claimed
Right to raise statute of limitations defense
Right to countersue for FDCPA violations
Sued by Cavalry SPV / Cavalry Portfolio Services in Your State?
Frequently Asked Questions About Cavalry SPV / Cavalry Portfolio Services
Who is Cavalry SPV?
Cavalry SPV I LLC is a debt buying company that purchases defaulted consumer debts. Cavalry Portfolio Services is its affiliated collection entity. They buy debts from banks and credit card issuers and attempt to collect the full balance.
Is Cavalry SPV a legitimate company?
Cavalry SPV is a real company, but being legitimate does not mean they always follow the law. They have faced numerous FDCPA lawsuits and complaints for improper collection practices, including suing without proper documentation.
How do I fight a Cavalry SPV lawsuit?
File your Answer before the deadline, deny allegations you dispute, demand proof they own the debt, and raise any applicable defenses such as statute of limitations. Many Cavalry lawsuits can be defeated by challenging their documentation.
What if Cavalry SPV has the wrong amount?
Cavalry frequently inflates debt amounts with unauthorized fees and interest. In your Answer, dispute the amount owed and demand an accounting showing every charge from the original creditor through the current balance.
Reviewed by Ariella, Esq. This information is for educational purposes and does not constitute legal advice.
Get Your Free Cavalry SPV / Cavalry Portfolio Services Case Review
Our attorney negotiates directly with Cavalry SPV / Cavalry Portfolio Services to reduce what you owe. Free consultation — no obligation.
Free case review. No obligation. No upfront cost.