Sued by Cavalry SPV I · City of Fredericksburg, Virginia

Sued by Cavalry SPV I in City of Fredericksburg, Virginia? Your return date and how to respond

Factual overview · Updated July 16, 2026

DebtDefense is not affiliated with, endorsed by, sponsored by, or connected to Cavalry SPV I. Cavalry SPV I names and marks are the property of their owners and are used here to identify the company factually.

DebtDefense is not a law firm and this page is not legal advice. It is general, factual information about a debt lawsuit in City of Fredericksburg. No outcome is guaranteed. For advice about your situation, consult a licensed Virginia attorney.

If Cavalry SPV I has sued you in City of Fredericksburg, you were most likely served a Warrant in Debt filed in Fredericksburg General District Court. That is how debt-collection cases begin in Virginia’s General District Courts. Most people never respond — and that is exactly how these cases are lost by default. Below is what the papers mean, your deadline, and what Cavalry SPV I would still have to prove.

Who is Cavalry SPV I?

Cavalry SPV I, LLC is a debt buyer. As described in published court decisions, Cavalry SPV I purchases portfolios of charged-off consumer accounts — for example, defaulted credit-card debt — and becomes the creditor, then places those accounts with an affiliated company, Cavalry Portfolio Services, LLC, for collection under common ownership. Consumer complaints about the Cavalry companies appear in the CFPB's public complaint database under the name 'Cavalry Investments, LLC,' categorized under debt collection. When Cavalry SPV I sues, it does so as the owner of the account, not as the original creditor.

Your court: Fredericksburg General District Court

A debt case in City of Fredericksburg is heard in Fredericksburg General District Court. Confirm the return date on your Warrant in Debt against this court’s official information:

Fredericksburg General District Court

701 Princess Anne Street Suite 200, Fredericksburg, VA 22401

Phone: (540) 372-1043

Hours: Clerk's office: 8:00AM - 4:00PM

Official court information

See the full guide for this court: Fredericksburg General District Court — warrant in debt & deadlines.

Your return date (the deadline that matters)

A Virginia Warrant in Debt lists a return date — the first date you are due in court — instead of a fixed number of days. On or before that date you appear in Fredericksburg General District Court. If you dispute the debt, the court can then order you to file a written Grounds of Defense by a set date. The return date on your papers is the deadline that controls; if you do not appear, Cavalry SPV I can win by default.

What happens if you don’t respond

This is the most important part. If you do not appear by the return date, the court can enter a default judgment against you — a ruling that you owe the full amount, entered simply because you didn’t show up, without Cavalry SPV I ever proving its case. A judgment is what typically lets a creditor garnish your wages, levy your bank account, or place a lien. Appearing on time keeps the case from being decided against you automatically.

What Cavalry SPV I would have to prove

Because Cavalry SPV I bought your account rather than lending to you, to win a contested case it still has to prove:

It legally owns your specific account — the chain of title from the original creditor.
The amount it claims is accurate, backed by an account history.
The debt is actually yours.
The case is within Virginia’s 5-year statute of limitations for written contracts.

The Virginia statute of limitations

Five years for written contracts signed by the party charged; unsigned or unwritten contracts fall under a 3-year period. Credit cards are sometimes argued as 3-year open accounts. Plaintiff-friendly overall.

Authority: Va. Code § 8.01-246

Frequently asked questions

I was sued by Cavalry SPV I in City of Fredericksburg — what do I do first?

Do not ignore it. In Virginia a debt case usually starts with a warrant in debt that has a return date — the first date you are due in Fredericksburg General District Court. Appearing by that date is what keeps Cavalry SPV I from winning automatically by default. The exact date is on your papers.

What is the deadline to respond to Cavalry SPV I in City of Fredericksburg?

Virginia's warrant in debt lists a return date rather than a fixed number of days. On or before that date you appear in Fredericksburg General District Court; the court may then set a date for you to file your written "Grounds of Defense." Missing the return date is what typically leads to a default judgment.

Is Cavalry SPV I a real company?

Yes. Cavalry SPV I, LLC is a real debt buyer. Court decisions describe it as the entity that buys and owns charged-off accounts, while an affiliate, Cavalry Portfolio Services, LLC, handles the collection. Consumer complaints about the Cavalry companies are logged in the CFPB's public database.

What's the difference between Cavalry SPV I and Cavalry Portfolio Services?

They are affiliated companies under common ownership. Cavalry SPV I, LLC typically buys and owns the account (and is often the named plaintiff), while Cavalry Portfolio Services, LLC services and collects it. Courts have described accounts being placed with the servicer for collection right after purchase.

Do I have to go to court?

There is a date on your summons, and ignoring it is the option that reliably goes badly — the court can rule against you by default. What you must do depends on your state and court; the free analysis reads your papers and tells you your specific deadline.

Sued in City of Fredericksburg? Upload your court papers — the analysis is free.

See your return date and what Cavalry SPV I would have to prove, in plain language. No charge to find out where you stand.

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Not a law firm; not legal advice; no outcome guaranteed. Company facts are sourced to the primary records linked above. Court information is from the court’s official source, last verified 2026-08-01. Buyer facts last reviewed July 16, 2026; re-verification by 2027-01-16.