Cavalry Portfolio Services, LLC is a debt buyer headquartered in New York which purchases “distressed consumer loans” – fancy talk for defaulted credit card debt. When Cavalry sues, the name of the plaintiff is likely to be Cavalry SPV I, LLC. “SPV” stands for Special Purpose Vehicle, a separate subsidiary entity designed to service and collect Cavalry’s debt.
Cavalry is represented exclusively in California by the Winn Law Group in Fullerton. While clients have reported problems with Winn’s non-attorney debt collectors, I have found their attorneys to be professional and reasonable. Given the opportunity, Winn prefers to settle cases rather than take them to trial. This business model is informed, no doubt, by two factors: (1) Cavalry cases suffer the from same lack of admissible evidence problems as do all debt buyer cases; and, (2) located in New York with hundreds perhaps thousands of cases in California alone, Cavalry is generally unwilling to bear the cost of flying witnesses cross-country to testify in cases with these problems. Consequently, as trial approaches against an experienced debt collection defense attorney, Cavalry is willing to accept settlements which are favorable to the consumer.
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