Four companies share the Cavalry name. They do two different jobs.

They are two companies with two jobs. Cavalry SPV I, LLC buys accounts and is the name on the summons. Cavalry Portfolio Services collects: the Seventh Circuit’s 2020 case describes Cavalry SPV owning the debt and using Cavalry Portfolio Services to collect it, letters and all. West Virginia’s high court counted four companies in the family, enjoined three of them for collecting without a license, and recorded that Cavalry Portfolio Services held one at all relevant times. Read the caption of your own papers. The name printed there is the party you are answering.

It means the company suing you is telling the court it is not the company you borrowed from. Assignee means it says the account was transferred to it. A California appeals court traced one of these in 2019: Citibank sold the charged-off account to Cavalry along with numerous other delinquent accounts, and Cavalry then sued. The words “as assignee of” are a claim, not proof of one. The transfer is something the plaintiff has to show.

Cavalry. Calvary is a hill. Cavalry is soldiers on horses, and that is the spelling on the paperwork. Enough people reverse it that the search results split in two, and the machine transcripts of our own videos get it wrong as well. It changes nothing legally. If your summons says Cavalry SPV I, LLC and you have been reading pages about Calvary, you have been reading about something else.

The same two things any plaintiff has to prove. That you owe the money, and that this company owns the claim. The second half is where these cases live. Ask which document moved your particular account, what agreement that document was made under, and whether both are attached. Brian’s heading on the subject is four words long: no assignments, no standing.

Take that argument somewhere else, because you have taken it to the one place it cannot work. The Seventh Circuit held in 2021 that whether a debt was assigned is a legal question rather than a factual one, and that credit reporting agencies are not required to make legal judgments. So the dispute that says “this company does not own my account” is exactly the dispute the bureaus have no duty to investigate. The same argument belongs against the party that has to prove it owns the account, which means in the case.

Not off the lawsuit by itself. Garnishment follows a judgment, and the usual route to one is a default entered because nobody answered. In an Arkansas case Cavalry took a default judgment on a $1,078.51 debt and then had a writ issued against the consumer’s bank account. The state supreme court later held that Cavalry was acting as a collection agency and needed a license it did not have. What can be taken and what is protected is set by your state.

We do not negotiate for anybody and we publish no settlement percentage for Cavalry, because we have no sourced figure for one. Two things are worth knowing first. The interest can be most of the number: in one federal case the letters sought about $5,800 and then $6,200, with roughly $1,600 of it added after the bank stopped billing. And a phone call does not stop the clock. Negotiate in writing, say in every message that you are not acknowledging the debt, and file your answer on the day it is due whether or not a deal has landed.

It depends entirely on your state, and one state is worth naming because its rule is unusual and Cavalry is licensed there. New York gives three years for a lawsuit arising out of a consumer credit transaction, under CPLR 214-i, and the statute goes further: once that period has expired, a later payment, a written or oral affirmation, or other activity on the debt does not revive or extend it. Most states allow longer than three years and many of them do let a payment restart the clock. Check your own before you pay anything.

Greenwich, Connecticut. The company’s own disclosures page gives a Greenwich address and says it was last updated in October 2025, and the Better Business Bureau record agrees. Pages still printing Valhalla or Hawthorne, New York are working from an old address. Cavalry also discloses offices in Phoenix and Fort Lauderdale. None of it changes where your case is, because a debt buyer sues in the county where you live.