Getting served with a Cavalry Portfolio Services lawsuit can feel like it came out of nowhere—but if they’re suing, they likely believe you owe a debt they purchased from a previous lender. These lawsuits are serious, legally binding, and designed to move fast. What you do next matters.
Whether this is your first lawsuit or one of several collection efforts, there’s a way forward. You have rights, you have options, and you don’t have to figure it out alone. The key is acting early, understanding the process, and getting the right legal support to help you respond with clarity and confidence.
Why Is Cavalry Suing—and What Do They Really Want?
Wondering why a company you’ve never borrowed from is suing you? Cavalry Portfolio Services is a debt buyer. Which means they purchase charged-off debts from original creditors—usually credit card companies, banks, or auto lenders—often for a fraction of the amount owed. Once they own the debt, they try to collect it themselves, starting with calls and letters. If that doesn’t work, they may file a lawsuit.
What They Want
When Cavalry sues, they’re typically after one thing: a court judgment. That judgment lets them pursue collection through legal channels, including:
- Wage garnishment: A portion of your paycheck is redirected to them before it reaches you.
- Bank levies: They can freeze and withdraw money directly from your bank account.
- Property liens: In some cases, they may file a claim against your property to secure payment.
Once a judgment is granted, these tools become available to them—and they don’t need your permission to use them. That’s why responding early and correctly matters.
What to Expect When Cavalry Files a Lawsuit
If you’ve been served, understanding what to expect next is key to avoiding mistakes and keeping the situation from getting worse.
You’ll Receive a Summons and Complaint
When Cavalry files a lawsuit, the first thing you’ll receive is a set of legal documents: the summons and complaint. These spell out who’s suing you, how much they claim you owe, and the name of the original creditor. They also include a deadline to respond—usually between 20 and 30 days, depending on your state. That response isn’t optional.
A lawyer can help make sure it’s done right and filed on time, so you don’t lose the case before it begins.
How Cavalry Builds Its Case
Cavalry typically supports its lawsuits with a mix of:
- Account statements
- Purchase records from the original creditor
- Affidavits or summaries of account activity
This documentation may be enough to win—especially if there’s no one on the other side pointing out what’s missing. Legal help can assess whether the evidence holds up and whether it’s even admissible in court.
If You Don’t Respond
If you ignore the lawsuit, Cavalry can ask the court for a default judgment. That gives them the legal right to collect through methods that include wage garnishment, freezing your bank account, or filing a lien on property. At that point, it’s not a request—it’s enforcement. Responding early gives you a chance to prevent that from happening.
Don’t Miss the Deadline—Act Now
Sued by Cavalry? Here’s What Not to Do
Dealing with a Cavalry Portfolio Services lawsuit can feel urgent, but not every reaction is the right one. Before you act—or avoid acting—here are the key missteps that could cost you time, money, or a fair shot at resolution.
1. Don’t Ignore the Lawsuit
Once you’ve been served, there’s a limited window to respond. If you miss it, Cavalry can ask the court to rule without your side of the story. That ruling carries legal weight and gives them the green light to collect. A lawyer can help you meet deadlines and respond in a way that protects your rights.
2. Don’t Rush to Pay Without Reviewing the Case
The urge to pay and make it go away is understandable, but acting too fast can undercut your legal defenses. Before making any decisions, make sure you:
- Understand who originally owned the debt
- Know whether the amount is correct
- Review whether proper documentation exists
Legal counsel can assess whether the case is solid or if there’s room to challenge it.
3. Avoid Trying to Handle the Case Alone
Debt lawsuits move through the courts quickly, and the legal system doesn’t leave much room for do-overs. Missing a deadline, filing the wrong document, or saying the wrong thing in court can put you in a tougher spot. Working with an attorney means you’re not guessing. It means every move is calculated, timely, and focused on giving you the strongest defense available.
Before You Respond, Talk to Our Team
If Cavalry Portfolio Services has filed a lawsuit against you, the first move matters. At Guardian Litigation Group, we’re built to defend people in exactly this situation—and we know what it takes to guide you through it from day one.
We work with people across the country who’ve been sued by debt buyers like Cavalry, and we understand how these cases unfold. Our role is to protect your rights, clarify your options, and help you respond in a way that’s legally sound and financially responsible.
Here’s What to Expect When You Work With Us:
- A legal review of the claim to identify documentation gaps and evaluate its strength
- A clear orientation to walk you through the timeline, your responsibilities, and what to expect
- A team that handles communication with Cavalry so you don’t have to
- Frequent updates so you’re never left guessing
- Representation in court, including preparation, filings, and hearings
We don’t treat these cases like one-size-fits-all. Our job is to understand what matters most in your situation and build a plan around that. Whether that means negotiating a resolution or challenging the case entirely, we’re here to help you move forward with clarity—and a defense that’s built for your circumstances.
Get Legal Help That Moves Quickly
Don’t Wait Until It’s Too Late
If you’re dealing with a Cavalry Portfolio Services lawsuit, you’re not just managing debt—you’re responding to legal action that can carry lasting consequences. From the moment you’re served, the timeline starts moving. Every step you take (or don’t take) shapes what comes next. Knowing how Cavalry operates and understanding the court process gives you an edge—but legal help is what turns knowledge into action.
At Guardian Litigation Group, we’ve helped thousands of clients deal with lawsuits like yours. We know the process, the pressure, and the kinds of results that matter. Let’s review your case, clarify your options, and build a plan that puts you on solid legal ground. Contact us today.
FAQs
What should I do if I’ve received a Cavalry Portfolio Services lawsuit?
Start by reviewing the paperwork, but don’t respond alone. A legal misstep could cost you. The best move is to speak with a debt defense attorney who can assess the claim and help you respond properly before deadlines pass.
Can Cavalry sue me for a debt I don’t recognize?
Yes, but that doesn’t mean they’ll win. If the debt isn’t yours or lacks proper documentation, a legal defense may get the case dismissed. Don’t assume they’re right—have it reviewed.
What happens if I ignore a debt collection lawsuit?
If you ignore it, the court may enter a default judgment against you. That makes the debt legally enforceable. It’s better to respond early and with legal support.
How long do I have to respond to the lawsuit?
Typically, you’ll have 20 to 30 days depending on your state. Missing that deadline can lead to automatic judgment. Always check your documents carefully and act quickly.
How does Guardian Litigation Group help with debt lawsuits?
We analyze your case, communicate with the other side, and represent you in court if needed. We work to challenge weak claims, reduce what you owe, or resolve the lawsuit altogether.
The information provided in this blog article is for informational purposes only and should not be construed as legal advice. It is not intended to create an attorney-client relationship.
