Sued by Cavalry SPV / Cavalry Portfolio Services in Maine? Here's What to Do Next
Maine RESPONSE DEADLINE
20 Days
from the date you were served
STATUTE OF LIMITATIONS
6 Years
for typical Cavalry SPV / Cavalry Portfolio Services debts in ME
WAGE GARNISHMENT
Allowed — up to 25%
Cavalry SPV / Cavalry Portfolio Services in Maine
Cavalry SPV / Cavalry Portfolio Services files fewer cases in Maine than in larger states — the CFPB Consumer Complaint Database shows fewer than 10 Maine complaints against Cavalry SPV / Cavalry Portfolio Services in the last 24 months. The legal playbook is the same: Cavalry SPV / Cavalry Portfolio Services must still prove they own the debt, the amount they claim is correct, and the 6-year Maine statute of limitations has not run.
About Cavalry SPV / Cavalry Portfolio Services
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.
CFPB Enforcement History
Cavalry SPV and Cavalry Portfolio Services have not been the subject of a major CFPB enforcement action. Cavalry is a smaller debt buyer than LVNV or Midland and its overall complaint volume is correspondingly lower. The same legal framework — the FDCPA, the FCRA, and state collection laws — still applies, and consumers retain the right to demand proof of ownership, dispute the amount, and raise the statute of limitations as a defense.
Maine-Specific Defenses Against Cavalry SPV / Cavalry Portfolio Services
Statute of Limitations Defense
In Maine, the statute of limitations for credit card debt is 6 years. If your last payment was more than 6 years ago, the debt is time-barred. Cavalry SPV / Cavalry Portfolio Services has been the subject of CFPB findings related to suing on time-barred debts — check your dates carefully and raise the SOL defense in your Answer.
Lack of Standing / Chain of Title
As a debt buyer, Cavalry SPV / Cavalry Portfolio Services must prove they actually purchased your specific account. Demand the complete chain of title — the purchase agreement, bill of sale, and assignment documents. In Maine courts, failing to produce this documentation can result in dismissal.
Challenge the Amount
Demand a complete accounting from the original creditor's last statement through the current claimed balance. Any unauthorized fees, post-charge-off interest, or collection costs not in the original agreement should be disputed line by line.
Maine Wage Garnishment Exemptions
Federal limits apply. Maine provides additional protections for public assistance recipients.
Maine Unfair Trade Practices Act
In addition to the federal FDCPA, Maine's Maine Unfair Trade Practices Act may provide additional protections and remedies against Cavalry SPV / Cavalry Portfolio Services's collection practices.
Maine Court System
Small claims limit $6,000. District and superior courts handle larger civil cases. Filing fees in Maine typically range $50-$250.
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
Statute of Limitations in Maine
| Debt Type | SOL (Years) |
|---|---|
| Credit Card | 6 |
| Medical | 6 |
| Auto | 6 |
| Personal Loan | 6 |
| Written Contract | 6 |
| Oral Contract | 6 |
Frequently Asked Questions
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.
How long to respond in Maine?
20 days from service.
What is the SOL in Maine?
6 years for all contract types.
Can wages be garnished?
Yes. Federal limits apply.
Where are debt cases filed?
Small claims up to $6,000. District court for larger amounts.
Does the collector contacting me need a Maine license?
Almost certainly yes. Under 9-A M.R.S. § 11-301, any "debt collector" - including collection agencies and debt buyers - that collects or attempts to collect debts from Maine consumers must be licensed by the Maine Bureau of Consumer Credit Protection. Original creditors collecting their own debts in their own name are generally exempt, but everyone else needs a license. You can verify whether a collector is licensed by searching the Bureau's licensee database or calling (207) 624-8527. If the collector contacting you is not licensed in Maine, that is a significant violation - the Bureau can take administrative action, and the unlicensed status may give you defenses to the debt itself. Collectors who file suit without proper licensing may have their cases dismissed. Always check licensing before paying any out-of-state collector. If you find one is unlicensed, file a complaint with the Bureau and document the contacts - that documentation supports both administrative complaints and FDCPA counterclaims.
What is the statute of limitations on debt in Maine?
Maine's general statute of limitations on contract and open-account debt is 6 years under 14 M.R.S. § 752. That covers most credit-card debt, store-card debt, and personal loans. Debt under a sealed instrument has a 20-year SOL under 14 M.R.S. § 751, but consumer debt rarely qualifies. Maine's 6-year window is longer than many states, so collectors and debt buyers in Maine often have a wider opportunity to sue. The clock generally runs from the date of last payment or last activity on the account, and is not restarted by partial payments unless the consumer signs a new written acknowledgment. Do not make payments or sign payment plans on an old debt without first confirming when the SOL ran. If a collector sues you on a time-barred debt and you raise the SOL as an affirmative defense, the court should dismiss the case. Failing to raise the defense in your answer can waive it.
Can I sue a collector under Maine's debt-collection law?
Yes. Maine's debt-collection law (9-A M.R.S. § 5-116 and related provisions) gives consumers a private right of action for violations, similar to the federal FDCPA. You can recover actual damages, statutory penalties, and reasonable attorney's fees. Many Maine consumer attorneys handle these cases on a fee-shifting basis - if you win, the collector pays your attorney, so you typically pay nothing out of pocket. Combined claims under the federal FDCPA (15 U.S.C. § 1692k - up to $1,000 statutory damages) and Maine's state law often produce stronger leverage than either alone. Common Maine violations include collecting without a state license, calling at unreasonable hours, misrepresenting the amount or status of the debt, threatening suit on time-barred debts, and contacting you after you have requested they stop. Document everything: keep voicemails, save letters and texts, and write down the date and time of every call. Then file a complaint with the Bureau of Consumer Credit Protection and consider consulting a consumer-law attorney.
What if a Maine hospital sends my bill to collections?
Medical debt is one of the most common debt types Maine consumers face, and it has some specific protections. Maine has adopted several protections aligned with federal CFPB Regulation F (12 CFR Part 1006) and federal No Surprises Act rules around emergency-room billing. Once a medical debt is sent to collections, all the standard FDCPA protections apply, plus Maine's state law. You can demand written validation under FDCPA § 1692g within 30 days of the first communication, and the collector must stop collection until they validate. As of recent CFPB and major-credit-bureau changes, paid medical collections must be removed from credit reports, medical debts under $500 cannot be reported, and unpaid medical collections only appear after a one-year delay. If your insurance was supposed to cover the bill, demand the collector confirm with the hospital before paying. And check whether the hospital offered you charity care or financial assistance - many Maine hospitals are required to offer it under federal 501(r) rules, and refusing or failing to disclose those programs can be grounds to dispute the debt.
Can a collector freeze my Maine bank account?
Not without first suing you, winning a judgment, and obtaining a writ of execution or trustee process under 14 M.R.S. § 3127 et seq. (Maine's trustee-process statute). If a Maine judgment is entered against you and you do not pay, the creditor can serve a trustee process on your bank to freeze and seize funds. However, certain funds are exempt by law: Social Security, SSI, VA benefits, unemployment compensation, public assistance, and child support cannot be taken for most consumer debt. Federal regulation (31 CFR Part 212) requires banks to automatically protect two months of federal-benefit deposits in your account. Maine also exempts a portion of wages already deposited from execution. If your bank account is frozen, file a claim of exemption with the court immediately - usually you have 20 days under Maine rules. Bring proof of the source of funds (Social Security award letter, VA letter, etc.). A Maine consumer attorney can usually get exempt funds released quickly, often at no cost to you because of fee-shifting under the federal FDCPA.
Sued by Cavalry SPV / Cavalry Portfolio Services in Another State?
Cavalry SPV / Cavalry Portfolio Services files cases nationwide. Select your state for the response deadline, statute of limitations, and state-specific defenses.
Sued by a Different Collector in Maine?
The 20-day Maine response deadline applies no matter who sued you. Pick the creditor on your summons for creditor-specific defenses.
This page summarizes public information from the CFPB Consumer Complaint Database, CFPB enforcement records, and Maine state law. It is not legal advice. Statutes and court rules change — consult a licensed attorney in Maine for guidance on your specific case.
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