Cavalry SPV Medical Debt in Sioux Falls, SD
Cavalry SPV is collecting medical debt in Sioux Falls. Average: $2,459. South Dakota SOL: 6 years. Garnishment: 20% 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
- • Request itemized bill with CPT codes
- • Check for No Surprises Act violations
- • Apply for hospital financial assistance
- • Dispute errors line by line
- • Negotiate — hospitals accept 40-60% routinely
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
- • ALWAYS get an itemized bill before paying
- • Nonprofit hospitals must offer financial assistance
- • Medical debt has 365-day credit reporting grace period