Specifically for Cavalry SPV collecting personal loan debt in Fresno, CA
A step-by-step walkthrough for disputing a debt with collectors and credit bureaus using your rights under the FDCPA and FCRA. This guide is tailored to residents of Fresno dealing with Cavalry SPV, one of the most-complained-about debt collectors for personal loan debt accounts. In California, the statute of limitations is 4 years and wage garnishment is capped at 25% or amount exceeding 40x min wage.
4 years
California SOL on Personal Loan Debt
$8,018
Average Personal Loan Debt
25% or amount exceeding 40x
Garnishment Limit
Cavalry SPV has a documented pattern of FDCPA violations. If any of these happen to you, document them immediately and file a CFPB complaint.
These steps apply directly to your situation as a Fresno resident dealing with Cavalry SPV.
Under FDCPA § 1692g, send a written validation request within 30 days of the collector's first contact. The collector must stop all collection activity until they validate.
Check the response for errors: wrong balance, unauthorized fees, wrong debtor name, or time-barred debt. If documentation is incomplete or inaccurate, you have grounds to dispute.
Write a formal dispute letter identifying the specific error, the correct information, and any supporting evidence. Send it via certified mail with return receipt to both the collector and the original creditor.
If the debt appears on your credit report, file disputes with Equifax, Experian, and TransUnion simultaneously. Bureaus must investigate within 30 days. Include copies of any supporting documentation.
If the collector violated FDCPA during the dispute process — continued calling, refused to validate, or reported inaccurate information — file complaints with the CFPB and your state attorney general.
These strategies are specific to personal loan debt — the type of debt Cavalry SPV is collecting from Fresno residents.
Rosenthal Fair Debt Collection Practices Act governs debt collection in California. File complaints with: AG Consumer Protection.
In California, wage garnishment is limited to 25% or amount exceeding 40x min wage. Income sources protected from garnishment include: Social Security, Unemployment, Workers' comp, Disability, Retirement accounts, 75% of wages. Cavalry SPV must first obtain a court judgment before any garnishment can begin.
The statute of limitations for personal loan debt in California is 4 years. After this period expires, Cavalry SPV cannot win a lawsuit on the debt if you raise the SOL as a defense in your Answer. Never ignore a lawsuit even on time-barred debt.
Known violations by Cavalry SPV include: Filing lawsuits without proper documentation; Misrepresenting amount owed due to added fees; Failing to dismiss cases when debt is validated as incorrect. Document any violations immediately and file a complaint at consumerfinance.gov/complaint.
To dispute personal loan debt with Cavalry SPV: send a written validation request via certified mail within 30 days of first contact, demand the original creditor name, full chain of assignment, and original signed agreement. Start with: demand debt validation under fdcpa.
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