Specifically for Cavalry SPV collecting utility debt in Scottsdale, AZ
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 Scottsdale dealing with Cavalry SPV, one of the most-complained-about debt collectors for utility debt accounts. In Arizona, the statute of limitations is 6 years and wage garnishment is capped at 25% of disposable earnings.
6 years
Arizona SOL on Utility Debt
$800
Average Utility Debt
25% of disposable earnings
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 Scottsdale 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 utility debt — the type of debt Cavalry SPV is collecting from Scottsdale residents.
ARS § 32-1001 (Collection Agency Licensing) governs debt collection in Arizona. File complaints with: AG Consumer Protection.
In Arizona, wage garnishment is limited to 25% of disposable earnings. Income sources protected from garnishment include: Social Security, Workers' comp, Unemployment, Disability. Cavalry SPV must first obtain a court judgment before any garnishment can begin.
The statute of limitations for utility debt in Arizona is 6 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 utility 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: file complaint with state public utility commission.
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