in Newswire Published on May 1, 2018

Total Card, Cavalry SPV I Misrepresented Woman’s Time-Barred Debt, Lawsuit Alleges

Last Updated on October 12, 2018

Young, Individually And on Behalf of All Others Similarly Situated v. Total Card, Inc. et al

Filed: May 1, 2018 ◆§ 1:18cv198

Total Card, Inc. and Cavalry SPV I, LLC are the defendants in a lawsuit that alleges the companies misrepresented a consumer’s time-barred debt.

Defendant(s)

Cavalry SPV I, LLC Total Card, Inc.

Law(s)

Fair Debt Collection Practices Act

State(s)

Texas

Total Card, Inc. and Cavalry SPV I, LLC are the defendants in a lawsuit that alleges the companies misrepresented a consumer’s time-barred debt.

The suit takes issue with a May 2017 letter sent to the plaintiff that allegedly stated, in part:

“The law limits how long you can be sued on a debt. Because of the age of your debt, Cavalry SPV I, LLC will not sue you for it…”

The case argues that the statement falsely implied the defendants have chosen not to sue the woman, when, in fact, the statute of limitations on the debt had expired and no party was legally permitted to sue the plaintiff over the obligation.

The suit further claims the letter was deceptive because it failed to disclose that any payment made on the account would restart the statute of limitations.

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