The Scary World Of Debt Collections
If you find yourself targeted by a debt collections lawsuit, you may not be familiar with the law firm representing the creditor. For New Yorkers, Girvin & Ferlazzo, PC is a name that frequently crops up in this context. Specializing in creditors' rights, they are aggressive in pursuing delinquent debts on behalf of debt buyers like Cavalry SPV I. If you're on the receiving end of their attention, it's natural to feel overwhelmed. But don't fret; you have options. This text below aims to help you navigate these treacherous waters with the help of experienced consumer protection attorneys like those at our firm, Law Office of Simon Goldenberg, PLLC.
Know Who You're Up Against: Background On Girvin & Ferlazzo, P.C.
Girvin & Ferlazzo, P.C. is a New York law firm that was founded in 1991 and has been in operation for over 25 years. The firm focuses on various areas of law. One of their key areas of focus is debt collection, where they claim to have successfully recovered millions of dollars on behalf of their clients.
Types Of Debt They Collect
This law firm is involved in collecting several types of debt. They handle consumer credit debt, such as personal loans and lines of credit from financial institutions. Moreover, they manage healthcare-related debt, encompassing bills from hospitals, healthcare professionals, and nursing home facilities. They also focus on business debts, usually amounts owed for goods and services delivered to individual consumers and businesses.
Their Approach To Debt Collection
Girvin & Ferlazzo states that they emphasize obtaining judgments against debtors and initiating enforcement actions as quickly as possible once a judgment is entered.
Staff And Compliance
The firm employs a team focused solely on debt collection activities. These professionals have undergone training in specific debt collection techniques such as skip-tracing, asset identification, and judgment execution. The firm makes it a point to mention that their attorneys and debt collection specialists are trained and certified in the Fair Debt Collection Practices Act (FDCPA) by the Association of Credit and Collection Professionals (ACA).
Girvin & Ferlazzo, P.C. Address
20 Corporate Woods Blvd., Albany, NY 12211
Girvin & Ferlazzo, P.C. Phone
(518) 462-0300
Who Is Cavalry SPV I, LLC?
Cavalry SPV I, LLC is known for purchasing delinquent credit card debts and employs several law firms, including Girvin & Ferlazzo, to collect on these accounts. This company is in the business of buying credit card debt from major banks like J.P. Morgan Chase, Citibank, HSBC Bank, and Bank of America. It is involved in the debt collection process via its affiliated agencies, Cavalry Portfolio Services, LLC, and Riverwalk Holdings, Ltd.
They have also been involved in legal actions that resulted in allegations of violating consumer rights. These allegations often pertain to the Fair Debt Collection Practices Act of 1977 (FDCPA) and the Fair Credit Reporting Act (FCRA).
Law Firms Collaborating With Cavalry SPV I, LLC
When pursuing debt collection actions in New York, Cavalry SPV I, LLC often engages with various law firms. Some of these include Rubin & Rothman, LLC, Grossman & Karaszewski, PLLC, Girvin & Ferlazzo, PC, and Mandarich Law Group. If you find yourself facing a debt collection lawsuit, it is essential to understand who you're up against and what legal resources are at their disposal.
Federal Legal Actions Against Cavalry SPV I, LLC
Several federal cases have been brought against Cavalry SPV I, LLC, often citing violations of the Fair Debt Collection Practices Act of 1977 (FDCPA). The FDCPA is a federal law aimed at eliminating abusive practices in the collection of consumer debts.
Stubbs V. Cavalry SPV I
In a 2013 case, Stubbs v. Cavalry SPV I, the plaintiff accused Cavalry SPV I, LLC of contravening the FDCPA. The case was held in the Northern District of Illinois.
Fallas V. Cavalry SPV I, LLC
Another case, Fallas v. Cavalry SPV I, LLC, also from 2013, was held in the District of New Jersey. The plaintiff, in this case, claimed that Cavalry Portfolio Services, an affiliate of Cavalry SPV I, LLC, had attempted to collect a disputed debt, which was a violation of the FDCPA.
The Better Business Bureau (BBB) awarded Cavalry Portfolio Services, LLCan "A+" rating. Yet, there have been 298 consumer complaints lodged against the company over the last three years.
Creditors' Rights Firms And Their Tactics
When you receive a summons and complaint, it can be a jarring experience. This is a formal legal notice that you're being sued, often by a creditor you've never even heard of before. It's essential to understand that firms like Girvin & Ferlazzo, PC are out to get the maximum possible recovery for their clients. While this is perfectly within their rights, they may employ high-pressure tactics that push you to pay more than you should or even amounts you don't owe at all.
Consulting A Consumer Rights Attorney: Why It's Imperative
If you receive any notice or communication suggesting that you're being sued by Girvin & Ferlazzo, PC or any similar firm, your first call should be to a consumer rights attorney. At Law Office of Simon Goldenberg, PLLC, we offer free consultations to discuss your specific case's details. It's crucial to contact us before responding to the collections firm to ensure you're not inadvertently compromising your legal standing.
Standing Your Ground Against Collections Firms
If you're being pursued for a debt, especially by aggressive law firms representing creditors, you don't have to face them alone. At Law Office of Simon Goldenberg, PLLC, we have extensive experience in representing borrowers against both types of collection firms: those that stay within the law's boundaries and those that push the envelope.
Under the Fair Debt Collection Practices Act (FDCPA) and New York state laws, there are specific legal limits on what debt collectors can and cannot do. Knowing these laws inside out allows us to effectively represent you and may even allow us to negotiate significantly reduced debt payments or payment plans on your behalf.
Contact Us For A Free Case Evaluation
Facing a lawsuit from a debt collection agency is undoubtedly stressful. However, remember that you have consumer rights protected by both federal and state laws. By consulting with us, you're arming yourself with valuable legal knowledge and representation, empowering you to confront these challenges effectively.
If you've found yourself targeted by a lawsuit from Girvin & Ferlazzo, PC, particularly one connected to Cavalry SPV I, reach out to us immediately. Call Law Office of Simon Goldenberg, PLLC, at (888) 301-0584 or contact us online for a free case evaluation. We'll examine your case's unique facts and handle the complexities, leaving you free to focus on your life without the stress of looming debt.