Lawsuit Against Grossman Law, Cavalry Claims Collection Letter Confusingly Names Two Different Creditors

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A proposed class action has been filed against William C. Grossman Law, PLLC and Cavalry SPV I, LLC over claims that the defendants failed to properly identify a consumer’s creditor. On January 30, 2018, Grossman allegedly sent the plaintiff a collection letter regarding a debt purportedly owed to Cavalry. The plaintiff responded to the letter by requesting validation of the debt, the case says, and received another letter from Grossman that identified “Cavalry SPV I, LLC” as the “current creditor.” Further down in the letter, however, the law firm supposedly stated the following:

“Enclosed please find the Affidavit of Sale and Bill of Sale. As you can see from the documents attached, the Original Creditor sold this account to CACH, LLC on or about June 20, 2017. This represents the complete chain of title and no further sales or transfers of the account have occurred.”

The lawsuit claims the defendants’ notice contained contradictory information, as it identified both Cavalry and “CACH, LLC” as the current creditor. The plaintiff says she was unsure as to whether CACH was a separate entity from Cavalry and was thusly unable to determine the creditor to whom she supposedly owed the debt. The complaint argues that the defendants’ response to the plaintiff’s validation request left her “more confused than when she requested the information.”