Dealing with Cavalry Portfolio Services in Utah?

Finding yourself named as a defendant in a lawsuit initiated by a third-party debt buyer like Cavalry Portfolio Services can be an overwhelming experience. Many individuals are caught off guard when they receive notice of a claim regarding an account they may not recognize or recall. It is important to remember that these entities often purchase portfolios of debt for a fraction of their face value and may lack the comprehensive chain-of-title documentation necessary to substantiate their claims in a court of law. At Cannon Legal PLLC, we assist Utah residents in scrutinizing these claims to determine if the plaintiff can meet their burden of proof.

The Legal Reality for Utah Consumers

Time is a critical factor when you are served with a summons and complaint. Under Utah Rule of Civil Procedure 12(a), you must file a formal answer within 21 days if you are served within the state, or 30 days if service occurs outside of Utah. Failing to meet these strict deadlines often results in a default judgment, which can lead to wage garnishment or bank account levies. Our experienced team works to evaluate your specific circumstances, including whether the claim should be addressed within the $20,000 small claims court limit, and ensures that all appropriate affirmative defenses are raised to protect your interests. If you have already received a judgment, we also provide guidance on Defending Against Debt Judgments.

Warning: Ignoring a lawsuit from a third-party debt buyer will not make the issue disappear. Failure to file a timely response within the court-mandated window allows the plaintiff to move for a default judgment, effectively bypassing your opportunity to challenge the merits of their case.

How We Fight Back

At Cannon Legal PLLC, we focus on holding creditors to the strict standards of evidence required by law. We can help you navigate the process through the following targeted services:

• Filing Formal Answers: We draft and file your response to the court to prevent the entry of a default judgment, preserving your right to contest the allegations.
• Demanding Discovery: We challenge the plaintiff to provide admissible evidence proving they own the debt and have the legal right to collect, specifically targeting gaps in the chain-of-title documentation.
• Suing for FDCPA Violations: If a collector uses prohibited tactics or attempts to collect on time-barred debt, we explore options to hold them accountable under the Fair Debt Collection Practices Act.

Creditor Contact Information

• Phone: 866-483-5139
• Mailing Address: 1 American Ln, Suite 220, Greenwich, CT 06831
• Website: cavalryportfolioservices.com

More Utah Resources

• Lawsuits Defense in Utah
• Complete Directory of Lawsuits Creditors