Sued by Cavalry SPV I, LLC in Florida? What to Do Next
Sued by Cavalry SPV I, LLC? What Florida Consumers Need to Know
If court papers from Cavalry SPV I, LLC just landed on your doorstep in Florida, the name is probably unfamiliar — most people never did business with anything called “Cavalry SPV.” That’s because Cavalry is a debt buyer: it purchases charged-off consumer accounts and may sue to collect. I’m Michael Ziegler, and our firm has defended Florida consumers against debt-buyer lawsuits for more than a decade. Here’s who Cavalry is, why it’s suing you, and how to respond inside Florida’s deadlines.
Who Is Cavalry SPV I, LLC?
Cavalry SPV I, LLC is a debt buyer — it purchases charged-off consumer accounts (often credit cards) and may sue to collect. Per its Florida Division of Corporations registration, its principal address is 1 American Lane, Suite 220, Greenwich, Connecticut 06831. Day-to-day account servicing is handled by its affiliate, Cavalry Portfolio Services, LLC — so your letters and calls may say “Cavalry Portfolio Services” while the lawsuit says “Cavalry SPV I, LLC.” Same operation, two names.
Is Cavalry Portfolio Services legitimate? Yes — Cavalry is a real debt buyer and its lawsuits are real. Because it sues on purchased accounts, it must prove it owns your specific debt through a documented chain of assignment from the original creditor. That proof requirement, plus Florida’s statute of limitations on old debt, is where the defense analysis starts.
Why Have I Been Sued by Cavalry SPV?
Somewhere along the line, a creditor charged off an account and sold it — possibly through several owners — until it reached Cavalry. Cavalry sues to convert that purchased account into a court judgment, because a judgment unlocks collection tools like wage garnishment and bank levies. The plaintiff on your paperwork is what controls: read the complaint carefully to see exactly who is suing and on what account.
How to Respond to a Cavalry Lawsuit in Florida — 5 Steps
1. Respond before the deadline
In Florida: small claims (up to $8,000) requires appearing at an early pretrial conference; county court (up to $50,000) and circuit court give you 20 days from service to file a written response. If you don’t respond, the court can enter a default judgment — and once that happens, your defenses may never be heard. Don’t let the case end by silence.
2. Demand the paper trail
Debt-buyer cases live or die on documentation: the account agreement, statements, and the bill of sale chain connecting the original creditor to Cavalry SPV I, LLC. Don’t assume they have it.
3. Check the age of the debt
Purchased debt is often years old by the time a lawsuit is filed. Florida generally allows five years to sue on debts based on a written agreement — see our guide to Florida credit card lawsuit time limits. If the clock has run, that may be a complete defense — but you have to raise it.
4. Weigh settlement vs. the bigger picture
A debt buyer that purchased the account for less than face value may have room to negotiate — and documentation problems create more. If this suit is one of several debts, bankruptcy may resolve the whole picture at once.
5. Get any agreement in writing
Amount, terms, and dismissal of the lawsuit — in writing, before money moves. A written agreement protects both sides.
If Cavalry’s Calls Crossed the Line
Debt collectors are bound by the federal FDCPA and the Florida Consumer Collection Practices Act. If the calls or letters became harassing — repeated calls, threats, misrepresentations — see our debt collection harassment page. Violations can mean statutory damages of up to $1,000 plus attorney’s fees under each statute, and that can become leverage in your case.
FAQ: Cavalry Lawsuits in Florida
What is Cavalry SPV I, LLC’s address?
Per its Florida Division of Corporations registration, its principal address is 1 American Lane, Suite 220, Greenwich, CT 06831 — the same address associated with its servicing affiliate, Cavalry Portfolio Services.
What happens if I ignore a Cavalry lawsuit?
In Florida, ignoring a lawsuit usually leads to a default judgment. With a judgment, the plaintiff can pursue wage garnishment and bank account levies. Here’s what happens after a judgment is entered.
Can Cavalry garnish my wages in Florida?
Only with a judgment. Before judgment: no. After: Florida’s exemptions — including the head-of-family exemption — may still protect some or all of your income. Timing matters.
Sued by Cavalry? Get the Case Reviewed Before You Decide Anything
Ziegler Diamond Law has defended Florida consumers against debt buyers — including companies in the same family as Cavalry, like LVNV Funding, CACH, LLC, and Resurgent-serviced accounts — for over a decade. We’ll pull the case apart, check the paper trail, and give you a straight answer about your options.
Call (727) 538-4188 for a Free Debt Freedom Strategy Session, or schedule online.
This page is general information, not legal advice. For Florida residents, contact Ziegler Diamond Law for a Free Debt Freedom Strategy Session.