How To Deal With Cavalry SPV I LLC

What Is Cavalry SPV I LLC?

Cavalry SPV I, LLC is a debt collection company that works with Cavalry Investments, a business that buys past-due debts from banks, credit card companies, and other lenders. These debts might include credit card balances, medical bills, auto loans, utility bills, or personal loans.

After purchasing the debt, Cavalry may try to collect it through one of its affiliated companies, such as Cavalry Portfolio Services. So if you get a notice from Cavalry SPV I, LLC, Cavalry Investments, or Cavalry Portfolio Services, you’re dealing with the same organization.

Here’s how to contact them:

🌐 Website: https://www.cavalryportfolioservices.com/

📞 Phone number: 1-866-483-5139

📍 Address: 1 American Ln., Ste. 220, Greenwich, CT 06831-2563

Why Is Cavalry SPV I LLC Contacting Me?

Cavalry may be contacting you because a lender or service provider sold them a past-due account in your name. When an original creditor gives up on collecting the debt, they might sell it to a debt buyer like Cavalry.

Once Cavalry owns the debt, they take over the collection process. That means you'll need to work with them directly if you want to dispute the debt, set up a payment plan, or try to negotiate a settlement.

Is Cavalry Legit?

Yes, Cavalry is a legitimate debt collection company. They’re legally allowed to buy and collect past-due debts. That said, many people have reported negative experiences when dealing with them.

As of late 2025, Cavalry is accredited by the Better Business Bureau (BBB) and holds an A- rating. Still, more than 600 complaints have been filed against them over the past three years, and they currently have a 1 out of 5-star customer review rating with the BBB.

🗣️ Consumers have also reported problems to the Consumer Financial Protection Bureau (CFPB), a government agency that helps protect people from unfair business practices. In the past year alone, more than 300 complaints were submitted to the CFPB about Cavalry.

🛡️ Some complaints say Cavalry contacted them but didn’t provide enough documentation to prove the debt, even after it was requested. Others said Cavalry tried to collect on debts they didn’t owe. 

These kinds of issues may violate the Fair Debt Collection Practices Act (FDCPA), a federal law that protects you from harassment and deceptive tactics by debt collectors.

If they think a debt collector has broken the law, many people choose to report the issue to the CFPB or explore their legal rights, including the option to sue for damages.

Disclaimer: These reviews and complaints highlight relevant issues but may not represent all consumers’ experiences.

How Do I Know if I’m Being Scammed?

Just because someone says they’re from Cavalry doesn’t mean they actually are. Scammers sometimes pretend to be legitimate debt collectors to trick people into paying money they don’t owe.

🚩 A common red flag is if the person asks for sensitive information, like your bank account number or Social Security number. A real debt collector should already have that information and won’t pressure you to share it over the phone.

If something feels off, trust your instincts. You have the right to ask for written proof before paying a debt. This is called debt validation, and we’ll cover what that means and how to do it next.

📣 If you believe someone is trying to scam you, you can report it to the Federal Trade Commission (FTC), the government agency that helps protect consumers from fraud and unfair practices.

Do I Have To Pay Cavalry SPV I LLC?

If Cavalry contacts you about a debt, the first step is to make sure the debt is real and accurate. Debt buyers sometimes have incomplete or outdated information, so it’s important not to assume the debt is legitimate just because you got a notice.

✅ Before you pay anything, try to confirm that:

• The debt is actually yours.

• Cavalry has the legal right to collect it.

• The amount they’re asking for is accurate.

🔍 Let’s take a closer look at how to get this information.

Step 1: Send a Debt Verification Letter

If you're not sure the debt is accurate, or if you didn’t get a proper validation notice, you can send a debt verification letter to request more details.

📄 These letters are closely related, but they serve different purposes:

• A debt validation letter is something the debt collector is legally required to send you. It should include basic details about the debt, such as the amount, the name of the original creditor, and how you can dispute it. They must send it either with their first communication or within five days.

• A debt verification letter is a letter you send to the debt collector if you want more information or believe there may be a mistake. For example, you might send this if the validation letter was missing details, if you don’t recognize the debt, or if you believe the amount is incorrect.

⌛ You have 30 days from the date you receive the validation letter to dispute the debt in writing. If you do, the debt collector must pause all collection efforts — including phone calls, emails, and letters — until they provide proper documentation.

If they can’t verify the debt, they’re not supposed to continue trying to collect it. But if they do verify it, then you’ll need to decide your next step, whether that’s negotiating a settlement, setting up a payment plan, or exploring other options.

📬 Many people choose to send their letter by certified mail with a return receipt so they have proof that the debt collector received it.

Step 2: Decide What To Do Next

If Cavalry does verify that you owe the debt they claim you do, you’ll need to decide how to respond.

The three main options are: 

• Disputing the debt

• Negotiating or settling the debt 

• Ignoring the debt (while this is technically an option, it is not recommended) 

Option 1: Dispute the Debt

If you believe the debt Cavalry verified is still incorrect, you have the right to dispute it. The validation letter you received should include instructions on how to do that.

It’s also a good idea to check your credit reports. If Cavalry has reported the debt to any of the credit bureaus and the information is wrong or incomplete, you can file a dispute directly with the bureau to have it corrected or removed.

🧾 You can get a free copy of your credit report from Experian, Equifax, and TransUnion once every week at AnnualCreditReport.com.

If you want to see what the credit bureaus have on file for a specific account, you can send what's commonly called a 609 letter. This type of request asks the bureau to show what information they used to verify the debt. While a 609 letter won’t remove anything from your credit report by itself, it can help you better understand what’s being reported and whether the information is accurate.

Disputing incorrect debt — with both the collector and the credit bureaus — helps protect your credit and ensures you’re not held responsible for something that doesn’t belong to you.

Option 2: Negotiate the Debt and Make a Settlement Offer

If paying the full amount isn’t realistic for you (and for many people, it isn’t), negotiating a settlement could be a good path forward.

It may not feel like it, but you do have leverage in this situation. Debt buyers like Cavalry often purchase debts for pennies on the dollar, which means they can still make a profit even if you settle for less than the full amount. 

Most creditors are willing to settle for 40%–60% of the original amount owed. You can start lower (even as low as 25%) and work toward a middle ground. Starting low shows you’re open to negotiating without agreeing to the highest possible amount right away.

🤝 Negotiating with Cavalry might feel intimidating, but many people have done it successfully. Check out Upsolve’s guide How To Win Against Cavalry to learn more.

Option 3: Ignore the Debt (Not Recommended)

While it might feel easier to ignore a debt collector like Cavalry, this usually leads to more stress and more serious consequences down the line. It’s completely normal to feel overwhelmed or hope the problem will go away on its own — but unfortunately, that’s not how debt collection works.

What Happens if I Ignore Cavalry SPV I LLC?

If you ignore Cavalry, the situation may escalate. Here’s what could happen:

• The debt can grow due to interest, late fees, or collection costs.

• Your credit score may be damaged.

• You could be sued, and if Cavalry wins, they may get a court order to garnish your wages or bank account.

Even though negative marks fall off your credit report after seven years, the debt itself doesn’t just disappear. Cavalry can continue collection efforts — and even take legal action — as long as the statute of limitations hasn't expired in your state.

Bottom line: The best thing you can do is take action. That might mean disputing the debt, negotiating a settlement, or simply learning more about your rights. If you're reading this, you're already taking an important first step.

Can Cavalry Sue Me?

Yes, Cavalry can sue you for an unpaid debt. Lawsuits are usually a last resort, but if you ignore collection attempts, Cavalry may eventually take legal action.

⚖️ Whether you’ll get sued depends on several factors, such as:

• The amount you owe

• How long the debt has been in collections

• Your state’s wage garnishment and collection laws

📄 If Cavalry does sue you, you’ll receive a summons and complaint — official court documents that explain the lawsuit and what Cavalry is claiming. These are typically delivered in person so you’re properly notified about the case.

It’s important to respond by the deadline listed in the documents. If you don’t, the court may issue a default judgment, which could allow Cavalry to take additional steps like garnishing your wages or freezing funds in your bank account.

If you're worried about responding on your own but can't afford a lawyer, you can draft an answer letter for a small fee using our partner SoloSuit. They've helped hundreds of thousands of people respond to debt lawsuits, and they have a 100% money-back guarantee.

SoloSuit is an affiliate partner, which means Upsolve may earn a small commission if you choose to use their paid service. This helps keep our services free.

👉 If you need help figuring out your next steps, check out Upsolve’s guide on How To Win Against Cavalry for practical tips on handling a debt collection lawsuit — and coming out ahead.

Let’s Summarize…

Cavalry is a legitimate debt collection agency that collects many types of past-due consumer debts. If they contact you, start by validating the debt. You have the right to request proof and make sure the information is accurate. 

Once you’ve confirmed what you’re dealing with, you can choose how to move forward — whether that’s disputing the debt, negotiating a settlement, or exploring other options.

Most importantly, know that you have rights, and you’re not powerless. Understanding the process is the first step toward resolving the debt and taking back control of your financial future.