How To Win Against Cavalry SPV I LLC in Court

Cavalry SPV I LLC is contacting you about a debt. You need to act fast and respond strategically.

Ignoring them opens the door to lawsuits, wage garnishment, and bank account seizures. You have more power than you think in this situation.

Follow these steps to protect yourself and potentially pay less than you owe.

Why Cavalry SPV I LLC Is Contacting You

Cavalry SPV I LLC is a third-party debt collector. They buy consumer debts from original creditors for pennies on the dollar.

Your original creditor charged off your debt and sold it to Cavalry. Now Cavalry owns your debt and wants payment.

They collect on credit card debt, medical bills, utility bills, and similar consumer debts.

Before you pay anything, you must validate the debt first. Validation confirms the debt is real and actually belongs to you.

Once validated, you can either dispute incorrect information or negotiate a settlement. You might pay significantly less than the total amount owed.

Do You Have To Pay Cavalry SPV I LLC?

Whether you must pay depends on debt validation and accuracy.

If the debt is not valid, you don’t owe Cavalry anything. If the debt is valid but contains errors, you can dispute those errors.

Even with a valid debt, you still have options. You don’t automatically owe the full amount they claim.

Never ignore Cavalry’s collection attempts. Ignoring them could result in a lawsuit and a court judgment against you.

Cavalry can then garnish your wages or freeze your bank account. They can legally take your money through court-ordered wage garnishment or bank account garnishment.

Debt collectors usually accept less than the full amount. They bought your debt cheap, so they profit even with reduced payments.

How To Negotiate Debt Settlement With Cavalry

Debt collectors want you to feel powerless. You’re not.

Cavalry bought your debt for a fraction of what you owed. Even at 40-60% of the original balance, they still profit.

Most collectors will settle for less. They just won’t tell you that upfront.

You need to initiate settlement negotiations in most cases. The process is straightforward once you know the steps.

Step 1: Validate the Debt

Request a debt validation letter if you haven’t received one already. Cavalry must send this within five days of first contact.

The validation letter must include:

• The amount you allegedly owe
• The name of the original creditor
• Proof that Cavalry owns your debt
• Your rights to dispute the debt within 30 days

Review every detail carefully. Confirm the debt is yours and the amount is accurate.

You can also send your own debt verification letter to request proof. The Consumer Financial Protection Bureau requires collectors to validate debts before collection.

If anything looks wrong, dispute it immediately in writing. You have 30 days from receiving the validation notice to dispute.

Step 2: Calculate What You Can Afford

Review your monthly income and expenses honestly. Determine a realistic payment amount.

Calculate your take-home pay after taxes. Subtract all essential expenses like rent, utilities, food, and existing debt payments.

Use the CFPB’s budget worksheet to organize your finances. Their debt worksheet helps you visualize total monthly obligations.

Lump-sum payments work best for settlements. Collectors prefer one payment over installment plans.

If you’re expecting a tax refund or work bonus, plan to use it. A lump sum gives you stronger negotiating power.

No lump sum available? Propose a monthly payment plan instead. Choose an amount you can sustain long-term.

Offer to set up automatic payments. Auto-pay makes your proposal more attractive to collectors.

Consider consulting our partner Cambridge Credit Counseling for free guidance on creating a manageable payment plan.

Step 3: Make Your Settlement Offer

Put your settlement offer in writing. Always get written confirmation of any agreement.

Written records protect you if disputes arise later. Never rely on verbal agreements with debt collectors.

Start with a lower offer than you can actually pay. Expect counteroffers and negotiation back and forth.

Most collectors settle between 40-60% of the original debt. Start your offer around 30-40% and negotiate up.

Negotiate more than just the dollar amount. You can also negotiate payment terms and credit reporting.

Ask Cavalry to report the account as “paid in full” instead of “settled.” This protects your credit score better.

Get everything in writing before sending any money. Confirm the settlement amount, payment terms, and credit reporting agreement.

Can You Settle After Being Sued?

Yes, you can still negotiate even after Cavalry files a lawsuit. Settlement remains possible until a final judgment.

However, you must respond to the lawsuit regardless of settlement talks. Never ignore court documents.

Ignoring a lawsuit guarantees a default judgment against you. The collector wins automatically without you present.

Continue participating in the lawsuit process until you have a written settlement agreement. File your answer, attend hearings, and follow court requirements.

Only stop participating once Cavalry accepts your settlement in writing and dismisses the lawsuit.

If you need help responding to Cavalry’s lawsuit, our partner Solo can help you draft and file your answer quickly.

Essential Tips for Successful Settlement

Going into negotiations prepared gives you the best chance of success.

Stay calm and professional in all communications. Emotional responses weaken your negotiating position.

Document everything. Keep copies of all letters, emails, and payment records.

Never give collectors access to your bank account. Pay by money order or cashier’s check only.

Don’t share unnecessary financial information. Only disclose what’s required for settlement.

Know your rights under the Fair Debt Collection Practices Act. Collectors can’t harass, threaten, or mislead you.

Request all agreements in writing before paying. Verbal promises mean nothing legally.

If you pay by phone, record the conversation. Check your state’s recording laws first.

Get a “pay for delete” agreement if possible. Some collectors remove the debt from your credit report entirely.

Be patient. Negotiations can take several weeks or months to finalize.

How To Beat Cavalry in a Debt Lawsuit

Cavalry filed a lawsuit against you. You received a summons and complaint by mail or in person.

These court documents notify you of the lawsuit and provide case details. Your response determines the outcome.

Most people ignore lawsuits because they feel scared or overwhelmed. That’s the worst thing you can do.

Responding is easier than you think. Follow these three steps to defend yourself.

Step 1: Read Your Summons and Complaint Carefully

The summons outlines lawsuit details and court procedures. Read every word carefully.

Your summons includes:

• The court name and address
• Your case number
• Names of all parties involved
• The lawsuit category (nature of suit)
• Your deadline to respond
• Consequences if you don’t respond

The complaint lists specific claims against you. Each claim appears in numbered paragraphs.

Review each claim carefully. Note which claims are accurate and which you can dispute.

Check the dates mentioned in the complaint. Your state’s statute of limitations might have expired.

Verify Cavalry actually owns your debt. They must prove ownership with documentation.

Step 2: File Your Answer Form

Your answer is your official response to the lawsuit. You must file it before the deadline.

Most courts provide blank answer form templates. Search “[your court name] + answer form” online.

The court website includes filing instructions and deadlines. Follow these instructions exactly.

Contact the court clerk if you need help finding forms. Clerks provide administrative help but not legal advice.

Your answer should address each numbered claim in the complaint. Admit claims that are true, deny false claims.

Include affirmative defenses in your answer. These are legal reasons the collector shouldn’t win.

Common affirmative defenses include:

• Statute of limitations has expired
• Debt was already paid or discharged in bankruptcy
• You never had an account with the original creditor
• The amount claimed is incorrect
• Cavalry doesn’t own the debt or lacks proof

Some courts charge filing fees for answers. Fee waivers exist if you can’t afford the cost.

Our partner Solo helps over 234,000 people respond to debt lawsuits. They draft your answer and ensure it’s filed correctly.

Step 3: File and Serve Your Answer

After completing your answer, file it with the court. Filing procedures vary by location.

Many courts offer electronic filing (e-filing) online. Others require mailing or in-person filing.

File in person at the courthouse if you’re unsure about other methods. Bring extra copies for your records.

After filing, serve a copy on Cavalry’s attorney. Service means officially delivering your answer to them.

Send your answer by certified mail with return receipt requested. This creates proof of delivery.

Keep the certified mail receipt with your case documents. You may need to prove you served Cavalry.

Some courts require you to file a certificate of service. This document confirms you served the plaintiff.

What Happens After You File Your Answer

Filing your answer prevents a default judgment. Cavalry must now prove their case in court.

The burden of proof falls on Cavalry. They must show documentation proving you owe the debt.

Many debt collectors lack proper documentation. They might not have your original contract or detailed account records.

Request discovery to obtain Cavalry’s evidence. Discovery lets you formally request documents and information.

Attend all court hearings and respond to all court communications. Missing deadlines can still result in default judgment.

Settlement negotiations often continue after filing. Many cases settle before reaching trial.

If your case goes to trial, present your evidence and defenses. The judge decides based on evidence presented.

Winning isn’t guaranteed, but responding gives you a fighting chance. You might win dismissal or force a better settlement.