Average medical debt: $2,459. 80% of medical bills contain errors. The No Surprises Act protects against out-of-network surprise bills. Medical debt can't appear on credit reports for 365 days.
Common 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
Medical Debt Dispute Strategies
1
Request itemized bill with CPT codes
2
Check for No Surprises Act violations
3
Apply for hospital financial assistance
4
Dispute errors line by line
5
Negotiate — hospitals accept 40-60% routinely
Tips Against Cavalry SPV
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