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Florida/Cavalry SPV/Credit Card Debt

Dispute Cavalry SPV Credit Card Debt in Florida

Cavalry SPV is collecting credit card debt in Florida where the statute of limitations is 5 years. Average credit card debt: $5,221. Garnishment limit: Head of household exempt.

5 years

Statute of Limitations

$5,221

Average Credit Card Debt

Head of household ex

Garnishment Limit

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 debt validation under FDCPA § 1692g
  • Dispute billing errors under FCBA within 60 days
  • Check if debt exceeds statute of limitations
  • Negotiate settlement at 40-60% of balance
  • File CFPB complaint if collector violates FDCPA

Florida Protections

Florida Consumer Collection Practices Act. File complaints with: AG Consumer Protection.

  • • Head of household wages FULLY exempt from garnishment
  • • Unlimited homestead exemption
  • • State debt collection act applies to original creditors
Florida LawsCavalry SPVCredit Card Debt
Dispute Now — $9.99/mo