Average utility debt: $800. Utility debt from electric, gas, water, and internet bills. State public utility commissions regulate billing practices. Many states prohibit disconnection during extreme weather.
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
Utility Debt Dispute Strategies
1
File complaint with state Public Utility Commission
2
Request billing audit and meter verification
3
Apply for utility assistance programs (LIHEAP)
4
Dispute estimated vs actual billing
5
Challenge reconnection fees if disconnect was improper
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