Cavalry SPV Credit Card Debt in Dallas, TX
Cavalry SPV is collecting credit card debt in Dallas. Average: $5,221. Texas SOL: 4 years. Garnishment: No wage garnishment for most debts.
Known Cavalry SPV Violations
- • Filing lawsuits without proper documentation
- • Misrepresenting amount owed due to added fees
- • Failing to dismiss cases when debt is validated as incorrect
Dispute Strategies
- • Request debt validation under FDCPA § 1692g
- • Dispute billing errors under FCBA within 60 days
- • Check if debt exceeds statute of limitations
- • Negotiate settlement at 40-60% of balance
- • File CFPB complaint if collector violates FDCPA
Tips
- • Cavalry is a special purpose vehicle — demand proof of debt purchase
- • Always answer lawsuits — default judgments are hard to overturn
- • Request dismissal with prejudice if they can't produce documentation
- • Never acknowledge debt verbally — it can restart the SOL
- • Debt buyers often lack original documentation
- • Average SOL is 3-6 years depending on state