Cavalry SPV Auto Loan Debt in Dayton, OH
Cavalry SPV is collecting auto loan debt in Dayton. Average: $23,792. Ohio SOL: 6 years. Garnishment: 25% of disposable earnings.
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
- • Challenge deficiency balance after repossession
- • Verify the sale was commercially reasonable (UCC requirement)
- • Dispute if proper repossession notice wasn't given
- • Check for state-specific redemption rights
- • Validate any collection attempts under 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
- • Lenders must sell repossessed vehicles at commercially reasonable price
- • Many states require advance notice before repossession
- • Deficiency balance collectors must validate under FDCPA