Cavalry SPV I LLC is a debt collection company that buys old, past due debts from original creditors for pennies on the dollar. They then attempt to collect the full amount from consumers. That’s their business and how they make money.
Your phone buzzes. Another unknown number. Your heart sinks as you see "Cavalry SPV I LLC" on your caller ID. Sound familiar? It’s overwhelming, (yeah totally) but you’re not in this by yourself.
What’s shocking is you might not even owe them money.
But before you throw your phone across the room, let me tell you a client’s story, Amber. This is how she changed tides dealing with debt collectors like Cavalry SPV I LLC.
The Phone Call That Changed Everything
Amber Martinez from Phoenix thought her world was crashing down. Cavalry SPV I LLC kept calling about a $3,200 credit card debt she didn't remember having. The collectors were relentless. They called her work. They called her mother. They threatened to garnish her wages.
But here's what happened next that'll blow your mind...
Amber discovered she had rights. Powerful rights. And when she used them correctly, Cavalry SPV I LLC not only stopped calling, they actually paid her money for violating debt collection laws.
Want to know how? Keep reading.
What Is Cavalry SPV I LLC?
Let's cut through the confusion. Cavalry SPV I LLC is a debt buying company. So they are NOT your original creditor. They're like vultures circling above, buying old debts for pennies on the dollar, then trying to collect the full amount from you.
Think of it this way: If you owed Chase Bank $1,000, Chase might sell that debt to Cavalry for just $50. But Cavalry will still try to collect the full $1,000 from you. That's how they make their profits.
What Does CavalrySPV Mean?
"CavalrySPV" is short for Cavalry Special Purpose Vehicle. That sounds complicated, but here’s what it really means:
An SPV, or Special Purpose Vehicle, is a company created for one reason. And that’s to buy and manage debt. In this case, Cavalry Portfolio Services is the parent company. They set up SPVs like CavalrySPV to buy old debts from credit card companies, banks, or other lenders. Then, they try to collect that money from the people who owe it.
Why are we bringing this up? Because Cavalry has been doing this for years, and not always in ways people feel good about.
In fact, over the past three years, more than 350 people have filed complaints with the Better Business Bureau (BBB) about how Cavalry handled their accounts. According to Investopedia, the Better Business Bureau (BBB) is a nonprofit organization that helps consumers find trustworthy businesses, resolve disputes, and file complaints.
And that’s likely just a small piece of the bigger picture.
The Endless Struggle With Debt Collection
Before we dive into your battle plan, you need to understand how massive this problem is. Americans are carrying almost $17.3 trillion in household debt as of 2024, according to Cedar Financial. That's trillion with a "T."
When people can't pay, debt collectors like Cavalry SPV I LLC swoop in. And they're not playing games. In 2021 and 2022, Cavalry filed more than 4,000 lawsuits against Georgia consumers alone.
And the worst part? Many of those people had no idea what their rights were. Some didn’t even show up to court, and others just let the debt collectors take their money without a fight.
As one consumer advocate put it, “Debt collectors win by default when people don’t know they can fight back. Silence is their best weapon.” - Astrid, of ASAP Credit Repair USA
But here's what they don't want you to know…
Just because they’re calling doesn’t mean they have the right to collect from you. Debt buyers like Cavalry are hoping you’ll panic, say the wrong thing, or even agree to pay a debt you might not legally owe.
The truth is, they make money when people don’t know their rights.
Why Is Cavalry Portfolio Services Calling Me?
If Cavalry Portfolio Services is calling, it means one of several things:
- Your original creditor sold them your debt
- They bought your debt from another debt buyer
- They're calling on behalf of Cavalry SPV I LLC
- It could be a case of mistaken identity
The key question isn't why they're calling, it's whether you actually owe the debt. Don't assume you do just because they're calling.
But, that doesn’t mean you don’t have to answer the calls…
Good Read: 2105201454 on Caller ID: Who Are They and Why Are They Calling Me?
What Happens If You Ignore a Debt Collector?
Ignoring Cavalry SPV I LLC is like ignoring a leaky roof. It doesn't go away – it gets worse. Much worse.
Here's the scary timeline of what happens:
- Week 1-4: Phone calls and letters intensify
- Month 2-3: They may report to credit bureaus (if they haven't already)
- Month 3-6: Legal threats get serious
- Month 6+: Lawsuit filed against you
- After judgment: Wage garnishment, bank account seizure, property liens
Michael from Denver learned this the hard way. He ignored Cavalry's calls for six months, thinking they'd give up. Instead, he came home to find a sheriff at his door with lawsuit papers. The $1,800 debt had ballooned to over $3,500 with legal fees and interest.
Don't be Michael.
Winning Against Cavalry SPV I LLC: Debt Validation
(Your First Move)
Here's where things get interesting. Before Cavalry SPV I LLC can legally collect from you, they must prove three things:
- The debt is actually yours
- The amount is correct
- They have the legal right to collect it
This is your golden opportunity. Within 30 days of their first contact, send a debt validation letter. This forces them to provide proof or stop collection efforts entirely.
What many people don’t know is a lot of debt buyers like Cavalry can't actually prove these things. They often buy debts with incomplete records. When you demand validation, they sometimes just give up and move on to easier targets.
How to Settle With Cavalry SPV I LLC
(The Negotiation Game)
- If the debt is valid and you want to settle, here's the insider's playbook:
- Never accept their first offer. Cavalry typically starts high because they expect negotiation. If they offer to settle for 70% of the balance, counter with 20-30%.
- Get everything in writing. A verbal agreement is worthless. Demand a settlement letter before you pay a dime.
- Don't give them access to your bank account. Pay by money order or certified check only.
- Negotiate removal from your credit report. This is called "pay for delete" and can save your credit score.
Recommended Read: How Much Should I Offer To Settle My Debt
Remember: They bought your debt cheap. Even if you settle for 30 cents on the dollar, they're still making money.
So, how can I do all of these things? Do I need to personally go to their office? Nope.
How to Contact Cavalry SPV I LLC
You don't need to visit their office or meet face-to-face. In fact, it's better if you don't. Here's exactly how to handle settlement negotiations:
- Start with written communication - Send a settlement offer letter via certified mail
- Use their phone number - If they call you, turn the conversation into negotiation (but follow up in writing)
- Demand written confirmation - Before paying anything, get their settlement agreement in writing
- Keep detailed records - Save every letter, email, and note from phone calls
- Make payment only after getting written terms - Never pay based on verbal promises alone
The key is controlling the conversation through documentation. This protects you and ensures they can't change the deal later.
Related Content: Debt Settlement Negotiation Strategies: Get the Best Deal
Cavalry SPV I LLC Phone Number
If you need to reach Cavalry SPV I LLC, they typically operate through multiple phone lines. However, the smart approach is don't call them unless you absolutely have to. When you call, you're giving them information they can use against you. Instead, communicate in writing whenever possible.
Knowing Cavalry SPV I LLC Website
Cavalry operates through their parent company's official website. While they have legitimate online channels, be extremely cautious about providing personal information online. Always verify you're dealing with actual Cavalry representatives before sharing any sensitive financial details.
Pro Tip: Whether calling or visiting their website, never admit the debt is yours or make promises to pay without first validating the debt. Every word you say can be used in court later.
What to Do When Cavalry SPV I LLC Sues You
A Cavalry Portfolio Services entry on your credit report is already damaging and can seriously impact your financial life. But if they take it a step further and sue you? That’s even worse. Still, it’s not the end of the world.
Getting that lawsuit notice in the mail feels like a punch to the gut, but they don’t want you to know one thing. Most people who fight back debt collectors either win or get much better settlements.
In my 17+ years in the finance industry, I’ve personally helped over 20,000 clients overcome situations just like this. As the owner of a leading credit repair business in the U.S., I’ve seen firsthand how collectors bend the rules and how consumers can fight back.
Before responding to any demand, it's smart to check the company’s record with the Better Business Bureau (BBB). If the collector is based in Georgia or you've been sued there, you can also verify any legal filings through Georgia Court Records.
Remember: Cavalry SPV I LLC files thousands of lawsuits every year, banking on the fact that most people won't respond. They're playing a numbers game, hoping you'll be too scared or confused to fight back.
Your Cavalry SPV I LLC Lawsuit Survival Plan:
Step 1: Don't Panic, Don't Hide
Ignoring the lawsuit is the worst thing you can do. It guarantees they win by default judgment.
Step 2: Respond Within the Deadline
You typically have 20-30 days to respond (check your state's rules). File an "Answer" with the court challenging their claims.
Step 3: Make Them Prove Everything
- Do they actually own your debt?
- Is the amount correct?
- Do they have proper documentation?
- Was the lawsuit filed within your state's statute of limitations?
Step 4: Look for Their Mistakes
Debt buyers like Cavalry often mess up paperwork. Common errors include:
- Wrong amounts
- Incorrect dates
- Missing signatures
- Improper service of lawsuit
The Reality Check: Many Cavalry lawsuits get dismissed when people actually fight back. They're counting on you not knowing your rights.
Dealing With a Cavalry SPV I LLC Judgement
But what if you’re already past that point? What if Cavalry has already won a judgment against you? Don’t assume it’s game over. You still have options and some of them can make a big difference.
- Motion to Vacate: If you were never properly served, you might be able to get the judgment thrown out.
- Payment Plan: Courts often allow payment plans instead of immediate wage garnishment.
- Asset Protection: Certain assets like retirement accounts are protected from collection.
- Bankruptcy: In extreme cases, this can eliminate the judgment entirely.
How to Remove Cavalry SPV I LLC From Your Credit Report
Of course, a better scenario is stopping all of this before it escalates. Before lawsuits, before judgments. Most people first notice Cavalry SPV I LLC when it shows up on their credit report. So let’s start there.
Dealing with the most common situation and that’s getting Cavalry off your credit report.
Getting negative marks removed requires strategy:
- Dispute inaccuracies with credit bureaus
- Negotiate pay-for-delete agreements
- Wait for the 7-year mark when most items fall off automatically
- Use goodwill letters after paying in full
The best option? If Cavalry violated debt collection laws, you might be able to force removal as part of a settlement.
Your Rights Under Federal Law
The Fair Debt Collection Practices Act (FDCPA) gives you powerful protections:
- They can't call before 8 AM or after 9 PM
- They can't contact you at work if you tell them not to
- They can't threaten you with jail time
- They must validate the debt if you request it
- They can't lie about the amount owed or their legal powers
If you're receiving harassing calls or letters from a debt collector, you have rights under the Fair Debt Collection Practices Act (FDCPA), a federal law designed to protect consumers from abusive and misleading collection tactics.
Each violation can cost them up to $1,000 in damages to you. Document everything.
Fighting Back Against Debt Collectors
Some consumers go on the offensive. If Cavalry violates the FDCPA, you can sue them. Successful lawsuits often result in:
- Debt cancellation
- Cash payments for damages
- Attorney fees covered
- Removal from credit reports
This isn't just theory. It happens regularly.
Your Action Plan (What to Do Right Now)
- Don't panic – You have rights and options
- Document everything – Record calls, save letters
- Request debt validation within 30 days
- Check your credit reports for accuracy
- Know your state's statute of limitations on debt collection
- Consider professional help if you're overwhelmed
Cavalry SPV I LLC: The Bottom Line
Cavalry SPV I LLC is counting on you being scared and uninformed. They make money when people pay without questioning the debt or understanding their rights.
But now you know better. You know they bought your debt cheap. You know they have to prove it's valid. You know your rights under federal law.
The next time they call, you won't be just another scared consumer. You'll be someone who knows how the game is played – and how to win it.
Remember Amber from the beginning? She used these exact strategies. Not only did she get the debt dismissed, but Cavalry paid her $2,000 for FDCPA violations. Your situation might be different, but your rights are the same.
The question isn't whether you can beat Cavalry SPV I LLC. It's whether you will fight.
Disclaimer: This article is for informational purposes only and does not constitute legal advice. Always consult with a qualified consumer law attorney regarding your specific situation. Any mention of companies, brands, or entities is not intended to cast them in a negative light. We aim solely to inform and educate, not to defame or make judgments about any organization.