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Has anyone dealt with Cavalry?   They recently (in the last couple of weeks). took over a Citibank / Home Depot that is about 6 years old so was probably about to fall off.  I have went to court against Portfolio a couple of times and won with the advice of a texasrocker but this is my first dance with Cavalry.

Will they sue me?

If they do, are they "good" and will they show up and fight me?

They have called and emailed me several times.  I have not answered a phone call but I did use their email to creat an online account and tried to settle for less than half and they immediately hit me back at about 85%.

Any advice is appreciated

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47 minutes ago, RFamx7 said:

Has anyone dealt with Cavalry?   They recently (in the last couple of weeks). took over a Citibank / Home Depot that is about 6 years old so was probably about to fall off.  I have went to court against Portfolio a couple of times and won with the advice of a texasrocker but this is my first dance with Cavalry.

Will they sue me?

If they do, are they "good" and will they show up and fight me?

They have called and emailed me several times.  I have not answered a phone call but I did use their email to creat an online account and tried to settle for less than half and they immediately hit me back at about 85%.

Any advice is appreciated

Was your last payment made 6 years ago?  If so, the account is outside the TX SOL  If they sued, you’d have an affirmative defense and an FDCPA violation counterclaim.

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I believe it was around 6 years ago.  As soon as Cavalry put their collection on my credit, the Citibank/THD fell off completely, at least on credit karma.  So I can not see the last payment date.   I am trying to figure out how to get the exact date of last payment.

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That is a completely different kettle of fish.
 

SOL plays no part in your strategy.  
 

Step 1:  Send in a DV.

As for Step 2, that is an interesting situation. You have two options.
 

Either wait for them to sue and fight it out in court, or, assuming this will wind up in small claims, file for arbitration before they can sue you.  That is the only way to get a Citi case into arbitration if it’s small claims  is to file before they sue. That’s how I got a small claims amount for my Citi/Home Depot into arbitration. 
 

I am no expert on Texas.  @texasrocker is. 
 

So I always defer to his greater knowledge of the Lone Star State.  

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