Consumer complaint received 2017-11-10
Company: CAVALRY INVESTMENTS, LLC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX is a debt collection agency. I have never had a contract with them and they sued me for an old credit card. The amount sued for is over double what the credit card limit for the card was. I spent hours drafting and fiiling an answer. Then I spent hours more answering other things questions they sent. I filed all answers with the court. I took off from work and showed up in court because I had not been informed that they had filed a nonsuit. In the mean time I moved. They filed suit again. Again I filed my answer with the court. Again I took off from work, sat through every case and was not called. I asked the court clerk why I was n't called. She said I was rescheduled for XXXX. I asked if I would get notification in the mail, she replied affirmatively. In XXXX XXXX, I called the court to get my court date. I ca n't remember what day it was. However the judge who had been previously assigned the case passed away. Two days before my court date I called about my case, they said that the judge had signed a judgement against me. I had recalled getting a letter from the law firm Cavalry that they had sent to, the judge saying that I did not answer their lawsuit. I did answer it, and I knew, my answer was on file. I also sent the answer registered mail and have the receipt. I thought the judge would look and see that or leave it til court. He did n't. I called the court clerk to complain. She said, I, would have to pay them, {$10.00} for a, transcript plus the judgement amount before i could appeal it. I did n't have that much money. So ever since the company, who should have never had the right to, sue me in, the first place has caused me, a ton of stress and XXXX that led me to quit my job. I since started working some place new, for half the salary. That has caused me a lot of XXXX as I am, struggling to pay for the basics now. But now they 've found my new job and are attempting to garnish the little money that I make. Their lie worked somehow. 

They are n't owed any money by me. If they bought my debt for {$50.00}, then I 'd gladly pay them that amount. But they have wasted a lot of my time and resources and misrepresented themselves and me in a letter to, the judge. They never intended to show up in court. They continually rescheduled or filed nonsuit without telling me hoping I 'd slip up. I knew this and followed all steps to prevent this. I can barely purchase groceries right now. And even, though I pay for insurance, none of us can afford to see a doctor. This makes me want to give up And receive food stamps and government assistance and, subsidized healthcare. How can Cavalry  SPV be allowed to hurt people and the economy this way? I pay and have paid a ton of, money in taxes. What if, in order to support my family because my wages are garnished, I was forced to quit my job to qualify for government benefits? This should be illegal. I have two college degrees and have worked more than XXXX hours a week every single week for the past 7 years just to make it.

Company response to consumer: Closed with explanation