Dispute Cavalry SPV Utility Debt in New York

Cavalry SPV is collecting utility debt in New York where the statute of limitations is 6 years. Average utility debt: $800. Garnishment limit: 10% of gross income or 25% of disposable.

6 years

Statute of Limitations

$800

Average Utility Debt

10% of gross income

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

File complaint with state Public Utility Commission
Request billing audit and meter verification
Apply for utility assistance programs (LIHEAP)
Dispute estimated vs actual billing
Challenge reconnection fees if disconnect was improper

New York Protections

NY General Business Law § 601 + NYC Consumer Protection Law. File complaints with: AG Consumer Protection.

• 90% of wages exempt from garnishment
• Strong city + state consumer protection
• Debt collectors must be licensed

New York Laws Cavalry SPV Utility Debt

Dispute Now — $9.99/mo