Cavalry SPV Utility Debt in Portland, OR
Cavalry SPV is collecting utility debt in Portland. Average: $800. Oregon SOL: 6 years. Garnishment: 25% of disposable earnings or amount exceeding $254/week.
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
- • File complaint with state Public Utility Commission
- • Request billing audit and meter verification
- • Apply for utility assistance programs (LIHEAP)
- • Dispute estimated vs actual billing
- • Challenge reconnection fees if disconnect was improper
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
- • Utilities must offer payment plans in most states
- • Estimated billing can be challenged with actual meter reads
- • Many states ban winter disconnection for heat