Ohio residents can cite the Consumer Sales Practices Act (Ohio Rev. Code § 1345.01) alongside FDCPA Section 1692g when disputing Cavalry SPV / Cavalry Portfolio.
Private Right of Action
Yes in Ohio
Treble Damages
Yes in Ohio
Auto-Renewal Law
Not enacted
Medical Billing Protection
Not enacted
Ohio Rev. Code § 1345.01 prohibits unfair and deceptive practices in Ohio. Allows up to 3x damages. You can sue directly.DisputeAI cites this statute automatically in your demand letter.
FDCPA Section 1692g requires Cavalry SPV / Cavalry Portfolio to validate the debt within 30 days. Section 1692e prohibits false or misleading representations. Section 1692f prohibits unfair practices. Violations allow statutory damages up to $1,000 plus attorney fees.
AI demand letter citing Ohio Rev. Code § 1345.01 + FDCPA from $4.99