Cavalry SPV Student Loan Debt in St. Louis, MO
Cavalry SPV is collecting student loan debt in St. Louis. Average: $37,338. Missouri SOL: 5 years. Garnishment: 25% of disposable earnings or 10% of wages (greater protection).
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
- • Apply for income-driven repayment (federal)
- • Check eligibility for Public Service Loan Forgiveness
- • Dispute private loan terms under state contract law
- • Challenge servicer errors via CFPB complaint
- • Verify correct loan balance and payment history
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
- • Federal loans have no statute of limitations
- • Private loans have state SOL (typically 3-10 years)
- • Servicer errors are extremely common — audit your balance