I was bored, so I decided to see who Cavalry actually was, and it looks like I hit the nail on the head from this entry.
From their website:
...one of the largest buyers of distressed debt in the United States...
It's still one of those things that my brain wants to spell as Calvary for whatever reason (see previous post).
545 comments:
«Oldest ‹Older 201 – 400 of 545 Newer› Newest»call this number and ask for steve anderson 602-667-0128 he should be able to answer all your questions and problems
I have received 5 automated phone calls asking for my ex-husband.(we have been divorced for 7 years) Each time I receive the call I press #4 indicating that he does not live at this address. The calls keep coming. Tonight when the call came I pressed #1 and spoke to Bill. He was reluctant to tell me the name of the company he was with. I told him if I receive any additional phone calls I would report the company for harrassment. Who should I report this to? If my ex owes money to anyone that is no longer my problem. I cleared all the debts that had my name on it 7 years ago. Bill wanted me to give him current information on my ex. I did not. Let him do whatever..it is not my responsibility to do their work for them.
i have heard and seen alot of different things. one thing that is so funny is how many excuses people will come with to get out of paying there bills. i dont work at this company and found this website by mistake. i continued to read b/c it is really sad that this country supports thievs and liars(that would anybody who doesnt pay there bills no matter how sad of a story they have),i think it's called a pymt plan. i have borrowed and i have paid back. maybe these people dont deserve credit b/c they dont understand. bowworing = paying. simple concept but read these entries and you wonder are people really this challenged. did public school not teach them enough? did their parents buy them everything? one day you have to grow up b/c someone else will not support you forever. i think it's called responsibility which is something you learn with maturity. sorry you all were passed up and i hope your kids are not the leadres of my country tomorrow. thank god you have to have a college degree to be president or your kids would destroy this country. i say that b/c someone said they train there kids to answer the phone for them. which by the way is great parenting. department of human services must be teaching that.apparently debtors or deadbeats as there called havent read the bible where jesus outlines that you should be in no mans debt. i think that means pay your bills. sorry to interrupt your busy day of stealing but these are things you might want to think about before you meet god. GOOD LUCK. man i'm glad i pay my bills
To the Calvary employee which wrote the below and to all of the others: I have been trying to tell Calvary no one by the name they are looking for lives at this number or address. BOTH TIMES - I have be spoken to poorly - to put it nicely. It bizares me to read the Calvary employees input. You can clearly read negative, angered correspondece from you people. It's like your on another planet if you truly believe your polite and this company in genuine. I'm having a hard enough time just to stop these calls. I feel for those who have to deal with you regarding their credit reports and debt. I'd be embarrassed working for Calvary and wouldnt tell a soul if I did.
In addition to all in my position, I FINALLY got the name out of Calvary out of someone today. When I went online to see what in the heck this company was - I have to tell you, I was SHOCKED to find this website. I am absolutely in awe of all of this correspondence regarding this company. I have NEVER seen anything like this before in my life. You would think this would be one clue to the employess who continue to praise the grace of Calvary.
Listen, Cavalry is a good company. Our training and meetings prohibit lying or verbal abuse. If you encounter lying or verbal (yelling)then ask for the resolution manager who is always near by.
help... we're being harrassed and annoyed by phone calls from Calvary. Apparently they are trying to reach someone with the same LAST NAME as ours. 2 calls have come in the evening (around 6 PM) and we pressed option 4... because we do not know the person whom the recording is trying to reach. This morning (Saturday) I was very upset - fuming in fact - to be woken at 8:15 AM by this very same recording looking for the same person.
One can only assume that they have programmed to call every person with that same last name here in Lincoln Nebraska... well, guess what... there are over 240 persons in my area with the same last name as mine. ONE of which is my father, who is also getting annoying calls from Calvary. Will they go to no end seaching for this guy?? even interrupting the lives of 240 Good people to catch one who owes so little? How many times must we indicate that it this fellow is not at our phone number before the Calvary recording system believes us?
I don't want to loose any more sleep over it. THANKS FOR THE WAKE UP CALL (sarcasm). Can I have the home phone numbers for your staff and wake them early each weekend for no reason other than what sounds like a minor debt?
That's just stupid to continue to badger so many people who are not even involved with the issue.
Knock it off!
~Tired in Lincoln.
it seems to me that all the bitching is coming from non-pymt. pay your bills and you'll never hear from cavalry again. hince debt collection company!!!
why do so many people complain about collection agencies? god forbid we be responsible and pay our debts. here's an idea. lets have debt collectors have to call to remind us to pay our bills b/c everybody knows i wont pay unles you make me. i like lawsuits and judgements and leins, heck i like that fact that my ignorance is so easy to take advantage of..who's laughing now, you and your multi billion dollar company or me who got sued and cant feed my kids but have plenty of credit card debt. ought oh---it's been too long since i applied for more credit.gotta go and get more
To all of you who said that the debt is not yours. Calif, and I think most states, have an identity theft law where you can go to your local police dept and file a police report stating that someone used your personal information and obtained a account in your name. The report will go to the Foregy Fraud persons in the police dept and they will investigate, and if possible arrest the person that is using you personal information to open an account in your name and buy products and you get the bill. when you don't pay the bill that is not yours they send it to a collection agency like Calvery Portfilio. They are bad but there are others that are just as bad.How do I know about these things. I am an investigator working for a large Sheriff Dept.who handle these cases every day. It is a felony to use someones personal information and open an account in your name. All you have to do is call your local alw enforcment.
Good Luck
THE LAST FOUR POSTS ARE FROM CAVALRY EMPLOYEES WHO ARE ASSIGNED TO WATCH THIS BOARD BECAUSE THEY KNOW THEY WILL BE IN TROUBLE IF WE COMBINE OUR EFFORTS.
THEY ARE RIGHT- DO NOT BITCH ON THIS BOARD - JUST TAKE ACTION. START BY FILING A COMPLAINT ABOUT THEIR PRACTICES WITH THE FTC. IT IS QUITE EASY:
https://rn.ftc.gov/pls/dod/wsolcq$.startup?Z_ORG_CODE=PU01
THEY DO REVIEW THIS DATABASE AND THE MORE CPOMPLANTS THE MORE LIKELY CAVARY WILL BE INVESTIGATED. THE FTC HAS ALSO INITIATED CLASS ACTION LAW SUITES FOR LARGE SUMS OF MONEY.
http://www.ftc.gov/os/statutes/fcramisc.htm
IF YOU ARE A VICTIM OF IDENTITY THEFT WRITE TO YOU STATE AND FEDERAL LEGISLATORS AND TELL THEM CAVALRY IS HARASSING YOU WITHOUT VALID PROOF AND SHOULD BE SUBJECT TO LEGAL PENALTIES.
REQUEST THAT AUTOMATED DIALING SYSTEMS BE LIMITED TO NO MORE THAN 3 CALLS SUCH AS IN WASHINGTON STATE. ALL CALLS FROM ONE ORGANIZATION AFTER A SMALL REASONABLE NUMBER SHOULD BE SUBJECT TO THE SAME PENALTIES AS DO NOT CALL.
MANY LEGISLATORS WILL BE GLAD TO CHAMPION SUCH LEGISLATION. IT IS A NO BRAINER. IT WILL HELP THEM POLITICALLY AND IT IS THE RIGHT THING TO DO.
THE FTC SITE HAS THE LAW AND YOUR RIGHTS. www.ftc.gov. BE SURE TO READ IT.
I'm sorry, do I have this straight? Are the debt collectors calling people losers? Um, hello, YOU ARE A DEBT COLLECTOR!!! You are the very definition of a loser! This is a site for people to vent about your company and you are on here--obviously way too much, because you are losers. Wow, so you bottom feed all day and then you spend your quite evenings (yes plural) posting to websites---again, who did you call losers? And to add to your loserdum---you are defending a company that you do not own. You defend it like your life depends on it. But they only pay you bottom feeders 5 bucks an hour, I'm sure. I haven't known very well-to-do debt collectors---HAHAHAHAA! Just your job title carries a negative connotation. Who would take a job like that? LOSERS!! Where is your sense of pride? I mean your children must be so embarrassed (if you actually found someone to procreate with). Come people, there are 240 posts about you , don't ya think someone has to be telling the truth? Listen bottom feeders, normal people don't come online and deny debt to a bunch of people they don't know just for the sake of doing it. Hello, have a brain? So to you bottom feeders (especially the "ALL CAPS" fool) Shut up and find your own websites to bitch about "us" degenerates. Or even better yet, get a new job! Save your family some pride. Now BE-GONE with yourselves!
ATTN: CAVALRY EMPLOYEE(S)
Cavalry continues to dock my credit every month, but has yet to return any of my calls. The employees that have responded on here claim that Cavalry is a good company. Prove it; please address my account: Ref# 04221228
Take care & God bless,
SGC
I had same issue with Calvary they called about a debit from a state where I have not lived for 11 years?? I paid the damn bill $108 anyway and they promised to take this off my report and nothing has happened??
I got scammed!
I just want to jump on the band wagon and bash that ridiculously STUPID lady who has decided to pass judgement on strangers. Listen you sadistic, backstabbing, holier than thou whore. I'm glad you and your husband prey on the misery of others, I really am. Congrats... really. This supposedly terrific company filed a collection account on me in 2001, and NEVER contacted me. I mean never. The only way I found out about it was I decided to review my credit report. Guess what, it's a Sprint bill. Thanks to this board I no longer feel alone. So, a terrific collection agency has been unable to find me and yet I've been completely stationary for three years, and had the same employer for six. Good job Calvary, way to hunt down a so called "deliquent" offender. Oh yeah, and lady... go stand in traffic, and take your husband with you.
ok so i just had to comment after reading all these complaints some of which are ligit. but 1 thing u all should know be4 u decide to bash my company is that we purchase this stuff in bulk so we take in the good with the bad... if u recieved a call from us about a bill u dont owe then u need to take the correct steps to get it resolved.. dont call in screaming and ranting about how were trying to take ur $ or rip u off cause its not true.. and for future refrence when u call in and talk to us its all a matter of whom u speak with! we talk to people everyday that cuss us out blah blah blah... why are u getting mad at us for doing our jobs? shit happens and its life so deal with it! im sure u all know what fraud is and it happens everyday no matter where u are so if anybody is getting ripped off it our company by people who take stuff out in other peoples names and by professional debtors who make stupid complaints about us doing are job! but debtors call it harrassment cause they are too small to own up to there own responsibilitys! u know who u are and know what u owe so take care of it!
Everyone get together and sue them,
HERE IS THE FEDERAL LAW
What can you do if you believe a debt collector violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, you may recover money for the damages you suffered plus an additional amount up to $1,000. Court costs and attorney' s fees also can be recovered. A group of people also may sue a debt collector and recover money for damages up to $500,000, or one percent of the collector' s net worth, whichever is less.
Oh and here is how to report them.
I sued them and got a nice amount of change due to them screwing with my credit and costing me a major job upgrade I collected the difference in pay for 5 years plus a little extra for mental anguish.
Where can you report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General' s office and the Federal Trade Commission. Many states have their own debt collection laws, and your Attorney General' s office can help you determine your rights.
The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.
Hello everyone,
Quite obviously we are all doing some research on this calvary portfolio services company for valid purposes... The lady with the ill-hearted responses only confirms CPS is a bogus company compiled with bogus employees... To go beyond the redundancies and rhetoric without purpose, maybe there is something that can be done about this company... Just reading through all of the comments I noticed all of the unresolved debt is incurred from the same assortment of businesses; Sprint, Providian, and used car salesmen... I was unfortunate enough to have a bogus creditor give me a line of credit with the sole purpose of acquiring debts that could be auctioned off to collection agencies like CPS... Just recently a group of people I was completely unaffiliated with did something about it, and one day I got a letter in the mail saying the debt was bogus and resolved... I dont know what they did but there is obviously some type of raquetting going on... Anyone who is accessing this website and is really trying to do something about it please post any progress in your pursuits to resolve these debts and I will do the same... We may clear some bogus debt for a lot of consumers including ourselves...
"Oh and here is how to report them.
I sued them and got a nice amount of change due to them screwing with my credit and costing me a major job upgrade I collected the difference in pay for 5 years plus a little extra for mental anguish."
YOU NEED TO BE HONEST. YOUR LIEING IF YOU SAY YOU BEAT THESE PEOPLE IN A LAWSUIT. YOUR JUST MAKING IT WORSE FOR THOSE WHO ARE LOOKING FOR HELP YOU PIECE OF SHIT. I FEEL SORRY FOR YOUR KIDS
"Oh and here is how to report them.
I sued them and got a nice amount of change due to them screwing with my credit and costing me a major job upgrade I collected the difference in pay for 5 years plus a little extra for mental anguish."
YOUR SAYING THEY COSTED YOU THE MANAGER POISITION AT MCDONALDS
What you will read next is the most UNPROFESSIONAL thing I have ever read in my life... if someone form my company talked like that I would fire them...and they would have to go find a sleasy job like collections
my husband works for cavalry portfolio and he is a damn good collector,& i myself work for a different collection agencie. I have never in all my life heard so much crap from lazy, stupid, and oh its not my bill blah, blah, blah file it w/insurance, its not mine, crap,that is ridiculous, cavalry is not a bad company, u people are just pissed off because deep down inside your sorry souls you know that you owe this money unless proven otherwise. how pathetic of you people to criticize one of the best collection agencies in the world. If you didnt owe the bill you never would have been contacted in the first place. Cavalry should not be shut down & you people can bitch all you want but it will do NOTHING AT ALL. you will still owe the bill and they will never stop unless you pay what you owe. So quit complaining like little imature babies and pay your damn bill. I am so sick of your type of people who expect everyone else to pay your bill or you just file bankruptcy to diminish your debt etc. you make me sick! This is what the world is coming to, its so sad. IF YOU DONT WANT THE PROBLEMS THEN DONT INCURE THE DEBT THAT YOU SO RIGHTLY OWE.and im sure that all of this will tick each and everyone of you little people off and thats fine. because guess what? you will still owe your bill and have to pay and i will still be my happy self. So gripe on people, gripe on, all it will do is anger you more because nothing will be solved. That is the truth. good day-
if cavalry is so horrrible why dont you enter your account number with you complaints and stop hiding who you are ?????
I would, but i don't know the account number, i never knew this account even existed until i checked my credit report for the first time in my life. I goin to dispute this account with the credit bureau, asking them to give me information on this account and any information involving me. I live with a roommate, barely making enough for rent, why would I purchase something i can afford. since your so confindent that cavalry is a good company why you give your name, 800 number and extension # so i can settle this and get it off my credit report. It because of cavalry that I have been having trouble getting accepted by credit card company.
Again, I NOT GOING TO PAY FOR SOMEHING THAT I DID NOT PERSONALLY PURCHASE FOR MY SELF.
Oh and If I knew my account number i would not simply post it, why? because people like from Cavalry might tried to charge more money on the account.
Hey tough guy with the degree how dare you talk to these people like they were beneath you thats why your company is in this shit i am an attorney and i sued your company before for harassing people these dummys theatend to sue my client who by the way is elderly and she lives in TX so dick head with the degree maybe you should go back to school for another 5 yrs and maybe you can find another job
THE BBB HAS BETTER THINGS TO DO THAN DEFEND DEADBEATS. WHAT IS THIS GUY TALKING ABOUT.I HAVE WORKED THERE FOR MORE THAN 5 YEARS. ALL I CAN SAY IS NO-0NE HAS BEAT US IN A LAW SUIT ANYTIME RECENTLY B/C WE DONT MAKE THIS STUFF UP. THESE BILLS WE COLLECT ON ARE YOUR BILLS NOT OURS. IT'S YOUR RESPONSIBILITY TO PAY THEM. IT'S SAD THAT ADULTS HAVE TO BE CALLED TO PAY THEEIR BILLS. IT'S LIKE YOUR IN GRADE SCHOOL AND HAVE TO BE REMIMDED TO DO HOMEWORK. BUT HELL IF YOU CANT EVEN PAY A SIMOLE BILL THEN YOU ARE A BURDEN ON SOCIETY. YOUR TAKING MY TAX DOLLARS WHEN YOU DONT PAY YOUR BILLS AND THEN AS SOON AS YOU CAN YOU DO IT AGAIN. I HAVE SEEN TO MANY PEOPLE WHO RUN UP LOTS OF BILLS, FILE BANKRUPTCY AND THEN DO IT AGAIN , ARE YOU STUPID OR JUST TRYING TO STILL FINISH THAT HOMEWORK? I FEEL SORRY FOR YOU AND YOUR KIDS B/C OUR COUNTRY WILL NEED LEADERS AND WE CANT BE REPRESENTED BY A BUNCH OF LAZY, GOOD FOR NOTHING THIEVES. BLAME YOURSELF FOR NOT EVEN HAVING THE GUTS TO ANSWER THE PHONE ( THOSE WHO HAVE THEIR KIDS DO IT ). YOU PROBABLY HAVE A BUMPER STICKER ON YOUR CAR THAT SAYS " I LIKE TO STEAL MONEY AND NOT PAY IT BACK". BUT HELL IT'S NOT YOUR FAULT B/C THESE COMPANIES WILL GIVE YOU LOANS AND WHEN YOU DONT PAY THEY DO NOTHING ABOUT IT FOR 4 OR 5 YEARS. GUESS WHAT. IT;S STILL YOUR RESPONSIBILITY TO PAY YOUR BILL. NOBODY ELSE'S BUT YOURS. LETS BE REAL IT'S VERY EASY TO GET A HOLD OF CAVALRY. YOU WOULD RATHER BITCH THAN CALL US AND RESLOVE IT B.C YOU KNOW WE'RE RIGHT. GOD BLESS AND GOOD LUCK DIRTBAGS
It's amazing that this blog exists! Something must be wrong. I believe the majority of the problem rests on the shoulders of Cavalry. If people owe debts then it's right for you to go after them. You should -- however -- follow the law. You apparently don't follow the law. This is far too many postings for you to blame all of this on the people you believe owe these debts. People have the right (granted by law) to have all debts validated before they pay any money to you. It would be unwise for them to do so. Even if they owe the debt, they should make certain you are a real company and not some con artist. Once the debts have been validated on both sides then they must pay. If they don't then they are deadbeats and you should place items on credit reports, file judgements etc. But Cavalry does not act in good faith from the beginning. Be a stand up company and the people you deal with will be stand up. You are eventually doing yourselves in by neglecting the most basic collection and credit reporting laws. With this many complaints, a class action lawsuit is rapidly approaching. When that happens you will not only pay money to people who had valid disputes but you will also pay out damages to those deadbeats trying to rip you off. The collection agency industry has enough crooks. Why not work to be the one which is not crooked. It's time for some honor in your industry and the dishonorable companies like yours need to go for that to happen.
Employees of Cavalry make more than $5.00 an hour you idiot. They are not LOSERS as that seems to be your word of the day in defining a collector. You need to re-educate yourself. And to the person who said Beyach, feel free to go back to grade school and figure out how to correctly spell before you get on another forum and embarass yourself for all the world to see. And to the person who now owns their 3rd property in Hawaii, you must think you are better than anyone else on here because you have money, I dont think so, your just like everyone else who doesnt pay their bills. No, better yet, your a true asshole. The reason that Cavalry is so messed up, to put it nicely, is because of management. Yeah, so the company screws up now and then, what company doesnt?? It happens everyday! Common sense, you people lack entirely. If you say you dont owe the debt then who does and how did it somehow occur in your name? You have to prove it in order to remove it. I don't see how debt could just appear out of thin air and suddenly you all are freaking out because supposively its not yours (even though most of the time it is).To those who are bashing the christians, christians are not perfect either, everyone makes mistakes, be a big person and get over their comments and deal with the real issue, your debt!! You can call Cavalry and try to screw with their phone lines and play immature games and such ,but that wont help your debt dissapear, the calls will still come and no one will be happy on either end. Cavalry employees are never assigned to watch this sight that is total B.S. Most people get on here because they hear about it from others. Like a company would waste their time forcing employees to get on here and type up the things that are read on here. That is completely stupid. Plus it wastes the companies time and money. Everyone who works for a collection agencie knows that time is money. (atleast the responsible ones do). I can't wait until someone bashes my comment, I know its coming because no one can resist not bashing another because they are upset.
I've been getting calls as well, for somebody who lived at our address several owners ago. We don't know the person, but we still receive mail addressed to him so the name is familiar. I just called a phone number for Cavalry that I found here on this blog and got a very helpful and polite employee that said he would remove our number from the system. Hopefully that should do the trick.
I guess I must be new to this, but I just received a phone call from Calvery Debt collectors in regards to a car loan back in 1997. I asked if I could have more information on this and I was given another number to call and the person on the other end of that phone knew absolutly nothing about this, I am not one to not pay my bills, but I agree they must get their facts straight before they start calling innocent folks.
Good luck trying to collect Calvery, it will never happen.
It is pretty evident that we are harrassed by Calvary but I was wondering if anyone refused to pay and what action did they take on them. Because I was threatened by a lawsuit and if I lose would have to pay it and the court costs.
The pathetic things is that all of these losers (or let's just call them what they are) "theives" are writing all of this nonsense on computers that they used a credit card to ppay for. Notice I didnt use the word "buy" because they didn't buy them. The thing that all of you convebniently forget is that if it wasn't for companies like cavalry to collect from dead beats who refuse to pay their bills than there wouldn't be a credit industry in this company.
I work for a major collection law firm and get such joy out of suing and eventually getting judgments against you losers who don't pay your credit card bills...Its funny how you pay those internet connection bills and your cable bills...i guess you need an outlet to bitch and moan about how someone is asking you to pay money that you owe, and an outlet to watch reruns of white trash Roseanne...
These companies wouldn't exist if you people simply paid your bills. Unfortunatly, you think that if you got a credit card in college and needed it to "EAT" (right) that you shouldnt have to pay it back 4 years later when you have a job. You say that collection agencies are blood suckers, but I disagree. I think people who drain our economy by not paying their bills and therefore force the Federal government to subsidize the credit card companies for there loss therefore raising taxes, are the bloodsuckers
to all of you - get a life and pay your bills...if you are crying poverty than maybe you shouldnt being paying for an internet connection, or better yet sell that computer that you bought on the VISA card and never paid for...You people are a joke and are what is ruining this country
I just got off the phone with Cavalry, for a debt I do owe. And I realize that a guy lied to me, all the manager could say was, "I apologize!". Talk about angry, I was so pissed, I told them to cancel the account". They won't get another dime from me. Maybe a bad decision, but that's life. I really just wanted to ask the last person, "How do you know that these people are not in a library or at school, or work or something?"
Here is their website if you want to try to get more information (albeit limited at that) http://www.cavalryinvestments.com/cav/Affiliates/ps_about_us.html
If you set you computor to fax Calvery main number every three seconds for two days. then they will understand not to call you any more. This I done and will do again if they call me. By doing this you will shut thier bussiness down for that day!
I agree that everyone should pay their bills, but no one is even remotely morally obligated to pay money to a company such as Cavalry portfolio. They purchase debts for literally a couple of pennies on the dollar, then try to shake down the debtor for the full balance. They're just chasing a fast buck. Even if you paid them, (regardless of whatever lies they might tell you), it won't help your credit report one bit.
Well it does seem that the majority of you HATE this company! I have a new spin I'd like to add to this wonderfully, insightful website. Cavalry contacted me about a loan I had several years ago. After speaking with them "we" agreed that I would make good on my debt.
The deal was that I would make 3 consecutive monthly payments of $200.00 and after that "we" would discuss a settlement. Once the 3 months was up they contacted me and made an offer. I asked them to fax me the paperwork to start the process. Well, in December they helped themselves to $200.00 more from my checking account.
When I contacted them, obviously bullshit, and told them they STOLE money from me...causing an overdraft fee as well, they offered the money back plus the fee but that would cancel our settlement agreement. Screw these assholes!! I filed a complaint with the BBB and am looking into filing criminal charges through the Attorney General's office.
I also have since closed that checking account and recommend that anyone else in this situation do the same!! Good luck to you all.
QUIT WHINING.
All I read is whining from both sides. The debtors are whining because they don't want to pay the bill they incurred ... whether this was intentional or unintentional doesn't matter.
Cavalry employees are motivated to collect ... they get a "cut" of the take ... ie that's called a salary.
Bottom Line, our politicians have gladly allowed our "illegal" immigrants to work in this nation. They have allowed our jobs to "fly" away to other countries like India. We Americans are really at fault for not standing up for what's right.
THROW THE POLITICIANS OUT. They don't serve the best interests of America. So, if you blame, blame the real thieves ... politicans for taking our $26/hour jobs away and having to work at wal-mart for $7/hour just feed my family.
I just have to say that my experience so far has been mixed. Initiallly I was dealing with a gentleman named Rick and he was great.. We were told that if we kept with our payments we would be ok and I have to say that he was very nice when he helped us set up our payments.. We have been making payments for over a year now faithfullly.. We were however told that they would report monthly to the credit bureau of our on time payments which they have never done.. I am in the process of trying to get them to do so.. I think we deserve for it to be reported that we are making payments..
To file a complaint on Calvary Portfolio Services, LLC, click on the link below. If that doesn't work, go to the Federal Trade Commision website. The unjustice to the consumer from this company has to STOP!
https://rn.ftc.gov/pls/dod/wsolcq$.startup?Z_ORG_CODE=PU01
They also call you from 888-397-8842.
Glad to find these posts!! So I can print them. There are so many its sick. Calvary REFUSES to make arrangements and want it all now and do dont identify themselves in letter form, you really dont know who it is. I was a victim of calvary and lost my job. They kept calling my former boss and faxing things over at the job. I have many witnesses to the fact and if I were them I would stop running my credit report. Its more for me to report. They even ran my MOTHERS credit report and she doesnt owe them a dime. My attorney plans to investigate soon and I cant wait to see that guy in person that called my job.. If there are so many people on here why not do something??? something is wrong and unethical about Calvarys practices.
We are looking for individuals who want to participate in a Class-Action law suit against Cavalry Portfolio Services. If you are interested in joining the law suit please email us at [email protected]. We are looking foward to hearing from you!
I recently represented a client in a lawsuit brought by Cavalry Portfolio Services for an alleged debt that when all the way back to 1995. Here in California, we have a 4-year statute of limitations for breach of written contract.
The lawsuit stated that Cavalry "acquired" the debt on June 26, 2001. Cavalry didn't file the lawsuit until July 2005.
The matter settled 2 days before the hearing on my motion to dismiss. We have a mutual waiver of all claims and Cavalry agreed to remove all negative references from my client's credit report.
Another Calvary victim: this "responsible, great, legal, and wonderful company full of people just trying to do their jobs against all of us deadbeats and shiftless debtors" has had a computer calling our house and asking us to verify whether "Noley Long" lives with us. The computer voice doesn't say what business this is, who to contact if there is need to notify management of an error, etc. Every day like clockwork, this idiot machine calls and keeps calling, asking for the same response over and over. I notified the FTC today but I will probably have to use the numbers provided above to call them directly and then have my attorney contact them if that doesn't stop the calls. The company tries to remain unlisted under the number I found on my caller ID.
AND YES, there are statute of limitations out there, these cowboys don't get to collect on $19 owed 10 years ago! Some companies will try to buy your old stuff, just as suggested earlier, and they will try to make a profit off of these legally discharged old debts using all kinds of psychology: appeals to decency, shaming, lack of knowledge, aggressiveness, etc. Take some time, do some reading, and do yourself a favor, don't let these leg-breakers ruin your day. For every dollar you earn there are five people out there on the street trying to figure out how to take it from you.
And you Calvary employees: you tell yourself and everyone else what you have to let you sleep at night. The evidence, meanwhile, is piling up. Calvary is just one more example of business out for blood in the US, right alongside Enron, Worldcom, etc. Have a nice f&*Ng day.
I just got my free credit report from annualcreditreport.com and found that Calvary Portfolio has initated five "account review inquiries" since 04/2004 ... apparently every April, July, and November they've gained access to my credit report for absolutely no reason. I have no bad debt or late payments on my entire report, so they have no reason whatsoever for nosing around my business. Are they possibly stalking me, waiting for the right time to say I owe them money for something I don't?
Cavalry Portfolio service, ma its been so long since i bitched on this blog. FOCK all yall Cavalry employees and owner. You see last month after reviewing my credit report i file a police report and disputed the account (Cavalry) on my credit report. I mailed every copy of previous address, ID card, statements, utility bills, etc, and weeks later, i received in the mailed from CAVALRY PORTFOLIO SERVICE, apologizing for the mistake and that the they well inform the credit bureau to delete the account from my report. so agin FUCK CAVALRY. DICK SLAP YOUR FACE AND THEN PISS ON IT.
Cavalry just called me about a Sprint debt that was proven to have been opened in another person's name. She asked me if XXXX was the last four of my social security number. I replied it wasn't. She said "Okay, Goodbye." and thought she hung up. Then I could hear her say "Sprint is so stupid." I think the problem is Sprint, not Cavalry services!
Hello there ok iam just venting some crap that calvary pulled with me. Ok first i do actaully owe them money for a repo from 5 years aga. I authorized them to take 4 payments via check from an account. The last payment was supossed to be dec. 25 well i went to to the bank today and guess what i was negative. Yup the dupped me they took an unathorized payment now me bank wants to charge me for this. It is theft anyway you look at it if i took a check from you and cashed it without permission it would be theft. That is what they did to me. My email addy is [email protected] feel free to email with any advise i will be following through against them to the fullest thanks
Has anyone seen checks being deducted from Calvary via electronic checking. I just noticed that they have been taking money from account and I never gave them permission or authorized this transaction. This is in serious violation or privacy right sand Banking law. Any suggestion I live in Illinois
These morons have been calling my house with a recorded message asking for someone who does not exist in my household. It seems they use a telephone directory to match similar names or initials so that they might get lucky and find the correct person. My wife and I have warned them numerous times to stop calling and that no such person exists in my family. They are still calling every few days. I have now reported them to my State Attorney Generals office. My state has an independant "No call list" which I belong to. Hopefully this will prevent them from harrasing others.
Never pay companies such as Cavalry a single dime!! They are a scam and a fraud. (Look at their rating with the Phoenix BBB, of which they aren't even a member).
Debt purchasers such as Cavalry do one of several things. They purchase debts which are out of statute of limitations, then hope that you won't know your rights, and start a "payment plan" -- never do this, it would restart any statute of limitations. If your debt is out of statute, in reallity, they have no right to even contact you. Always chech the statutes of limitations for your state. Secondly, companies might try to file suit against a debt, even if it is out of statute - this is simply a gamble that you won't show up at court and they'll get a default judgment. Always show up, they have no case, and cannot prove that you are contractually obligated to pay them. If Cavalry has made an entry on your credit report, you can also sue under the Fair Credit Reporting Act if the don't remove it.
99% of these criminal companies depend on psychology. Beat them, they are crap. You are under absolutely no moral obligation to pay them either. It would only enrich their companies, and do your credit no good at all. Take a $100 debt for example, Cavalry would have paid on average perhaps one or two dollars for it, and they're trying to shake you down for the face value.
Hi, I just want to tell you all who's reading this that CAVALRY is a scam! They say you can call with the largest amount to pay and within 48 hrs. it should be approved. Well, I did this and they approved of my acct. which the total was suppose to be $317.12. I said I could pay $100. when I went to pay they uped the price. NEVER PAY CAVALRY UNLESS YOU ARE A RETARD!
Cavalry Portfolio Services, LLC
Senior Vice President Cassandra B. Duff
Senior Vice President Michael Godner
CEO Andrew N. Zaro
Senior Vice President Alfred Brothers
Cavalry Portfolio Services, LLC
[email protected]
Kristen Papp
Manager
Customer Client Services
Compliance
Cavalry Portfolio Services, LLC
[email protected]
Main "dumb Criminals" in charge. These extortionist should be easily located, even their home phones and addresses. This Andrew Zaro and Michael Godner sound familiar, maybe they were indicted on some criminal charges in my state?
Just wait until Calvary kicks the debt to another collections agency, then pay... If Calvary is rude with their approach, just refuse to do business with them.
Senior VP Alfred Brothers:
In January of 2004 our dear friend Mr. Alfred J Brothers Jr (date of birth: 5/3/1955) was cited for speeding in excess of 15 MPH in Scottsdale, Arizona (citation# 01593311, case# 49824990, court# M-0751-TR-200400827). The judge ordered him to take a defensive driving course, of which he did. What was the hurry Al?
-----------------------------------
I'll post more fun facts about our friends at Calvary later on... Who wants the CEOs home address in New York?
I don't like Calvary Portfolio. In 1999 I had a Sprint acct. that I still am making payments on. Someone had opened an account three days after the fact of me opening up a Sprint account under my name and ran the bill sky high. I have told them time and time again that this is not my account. But they refuse to listen to me and have threatened me and said that they were going to put refusal to pay and that they were going to stop calling. Would you pay for a debt if it was not yours? Then just this month they said that they changed there minds about saying they were going to put refusal to pay on my credit report. Can they make up there minds already. And is there any legal action any one knows that I can take. This is not fair. I am trying to improve my credit and they are just trying to screw it up more.
Hi, I just want to tell you all who's reading this that CAVALRY is a scam! They say you can call with the largest amount to pay and within 48 hrs. it should be approved. Well, I did this and they approved of my acct. which the total was suppose to be $317.12. I said I could pay $100. when I went to pay they uped the price. NEVER PAY CAVALRY UNLESS YOU ARE A RETARD!
# posted by Anonymous : 2/01/2006 7:51 PM ....................................I guess this person is retard.yeah dont pay and see if u can beat them in a lawsuit..i highly doubt it
i have some intresting things to say about the people ar cavalry like mr Zaro that dick head use to get his employees to pick up women for him also steven got a 18 yrs old girl who worked for him pregnant then he does not even take care of the kid
Thanks. I personally don't doubt for a moment that Mr Andrew Zaro of Cavalry Portfolio engaged in such activity as having young girls "picked up" for him (underage?) sick pedophiles such as Andrew Zarow of Cavalry Portfolio belong in jail if this is true. Someone should publish his home address and phone number.
Alfred J. Brothers of Calvary Portfolio, not only a reckless and dangerous driver, but a pedeophile as well? Such as we've been lead to believe as Mr Zaro? This is no surprise. This bastard should be on everyone's list. Anyone have his SS#?? Home address?? Home Phone?? Regardless of what these Zaro and Brothers idiots think, this info could be had for a few bucks.
Wonder what his family (Brothers) shall think when his suburban neighbours "Google" his name? Finding that he is a criminal? A threat to their pre-teen daughters and sons?
Is Andrew Zaro or Alfred J. Brothers on any states' sex offenders lists? I'm not at all surprised to hear they're possible pedophiles. The company they're involved with, Cavalry Portfolio, is criminal anyway. This is without a doubt.
Here's my Cavalry story. So, I'm trying to clean up my admittedly spotty credit, but I have been doing a good job doing so. My scores have raised consitently over the past year. I had a $55 debt from a Sprint account that I thought I had paid in full when I closed the account in 2000, but there was a balance of ??Close-out fees?? according to Sprint. To the defense of Cavalry, Sprint has the worst customer service of all the phone companies. And I'm current Sprint customer, so don't anyone write me off as a disgruntled former customer. However, Cavalry is STILL reporting this $55 debt that I paid TO CAVALRY in October of 2003. On my credit report it even says there is a $0 balance, but because Cavalry is a collection agency, it still negatively affects my credit scores because it is reported as a collection.
If anyone has any idea how to make this stop (Cavalry if you are reading I welcome your input) so I can remove another blemish from my credit report, I would greatly appreciate it!
I too have been screwed over too by cavalry ps, by an employee named linda, found out her full name is linda flatness, a st. paul cps employee. Please feel free to contact her at home, (763)767-7821.
Or better yet, mail your bill back to her at home, 10670 7th St. Ne,Blaine,MN 55434.Maybe if more names,address's and phone numbers of employees were listed they would get a clue. ps: gotta love spy programs!!!
My so-called "debt" which I do not claim, is from a bank that does not even exist anymore-- and has not for nearly seven years. Calvary tries to collect via letter, and I notice that they are posting inquiries on my credit report. Contacting them in any way may be a bad thing, since they are not calling me, and I don't even want to get things accelerated with them. I need the inquiries to stop, as they are hurting my credit rating. The "debt" they are trying to collect is not even on my credit report! The Statute of Limitations for my state has long run out. I am at a loss, here....these people are assholes.
I keep getting calls from this toll free number on my cell phone for a guy I don't know. I don't want to waste my minutes trying to get a hold of this agency. Anyone have any advice?
The Better Business Bureau
4428 N. 12th Street
Phoenix, AZ 85014-4585
602-264-1721
[email protected]
As reflected in the Phoenix BBB on: 02/15/06 at 11:52 AM PST
BBB Reliability Report
This information is not authorized for sales or marketing use.
Oprime Aquí Para Español
CAVALRY INVESTMENT, LLC
4050 E. Cotton Centre Blvd. #20
Phoenix, AZ 85040
The Better Business Bureau reports on members and non-members. Membership in the BBB is voluntary. Members must meet and maintain BBB standards. If a company is a member of the BBB, it is stated in this report.
Original Business Start Date: 11/05/98
Local Start Date: 11/23/98
Principal: Christian Parker, General Counsel
Phone Number: 602-667-0128
Fax Number: 602-667-0686
Web Site Address: www.calvaryinvestments.com
Membership Status: no
Type of Business: Consumer Finance & Loan Co.
Investment Advisory Service
NATURE OF BUSINESS
This company offers acquisition and collection of nonperforming and subperforming consumer receivables.
CUSTOMER EXPERIENCE
Based on BBB files, this company has an unsatisfactory record with the Bureau due to unanswered and unresolved complaints. The company has responded to some complaints presented by the Bureau.
When evaluating complaint information, please consider the company's size and volume of business. The number of complaints filed against the company may not be as important as the type of complaints and how the company handled them.
Closed Complaints
Number of complaints processed by the BBB in last 36 Months: 167
Number of complaints processed by the BBB in last 12 months: 97
Complaints Concerned
Sales Issues: 2
Outcome of all complaints -
Delayed Resolution: 2
Delivery Issues: 2
Outcome of all complaints -
Resolved: 1; Company made good faith effort to Resolve:
1
Product Quality Issues: 1
Outcome of the complaint -
Resolved: 1
Refund or Exchange Issues: 2
Outcome of all complaints -
Resolved: 2
Contract Issues: 4
Outcome of all complaints -
Resolved: 3; Company made good faith effort to Resolve:
1
Customer Service Issues: 17
Outcome of all complaints -
Resolved: 12; Delayed Resolution: 4; Company made good
faith effort to Resolve: 1
Credit or Billing Issues: 139
Outcome of all complaints -
Resolved: 94; Unresolved: 6; Delayed Resolution: 23;
Company made good faith effort to Resolve: 10; Company did not
respond: 6
LICENSING INFORMATION
This company is in an industry that may require licensing, bonding or registration in order to lawfully do business. The Bureau encourages you to check with the appropriate agency to be certain any requirements are currently being met. These agencies may include The Arizona State Banking Department. The Arizona State Banking Department is located at 2910 N. 44th Street, Suite 310 in Phoenix, AZ 85018. The Arizona State Banking Department can also be reached by calling 602.255.4421 or visiting their website at www.azbanking.com.
ADDITIONAL BUSINESS NAMES
This company also does business as:
CALVARY PORTFOLIO SERVICES; CAVALRY INVESTMENTS and CAVALRY PORTFOLIO.
ADDITIONAL TELEPHONE NUMBERS
Additional phone numbers for this company include:
(800) 227-8257, (877) 218-1262, (877) 222-8257 and (877) 883-7571.
ADDITIONAL ADDRESSES
Additional addresses for this company include:
7 Skyline Drive 2nd Floor, Hawthorne, NY 10532.
REPORT DATE: 02/15/2006
COPYRIGHT DATE: 2006 The Better Business Bureau
The information in this report has either been provided by the company, or has been compiled by the Bureau from other sources.
STANDARD DISCLAIMER
As a matter of policy, the Better Business Bureau does not endorse any product, service, or company. BBB reports generally cover a three-year reporting period, and are provided solely to assist you in exercising your own best judgment. Information contained in this report is believed reliable but not guaranteed as to accuracy. Reports are subject to change at any time.
May Not Be Reproduced for Commercial or Sales PurposesOptional BBB survey:
Dollar amount you intend to spend with this company: $
(This is written to the lady who wrote the anal, one sided statement below defending her Husbands BEST IN THE WORLD company! And who thinks everybody else in this world are liars & whiney losers)
LADY YOUR HUSBAND'S COMPANY HAS AN AWFUL LOT OF COMPLAINTS FOR A COMPANY THAT IS ACCORDING TO YOU ONE OF THE BEST IN THE WORLD! Yes there are some people that I'm sure do actually owe $ but the issue I have w/ this non-fact checking company is one of my Customer Service reps that I Supervise has had a 25% deduction taken from his check for an account he never opened, signed up for or has anything to do with, did you Husbands Company verify that it was his signature that was used to set up the account?? NO - THEY DIDN'T VERIFY ANYTHING!
Not quite sure where you come from but here in America you are innocent until proven guilty and since your Husbands Company had NO proof or back-up in this case and just attacked the wages of a hard working American. I do believe AT THE LEAST this company needs to be seriously investigated. I realize human error occurs but when you start screwing up people's credit & livelihood you better be damn sure you've got all of the fact's straight!!! Your problem is that you're a bitter one sided bitch who thinks she is always right and that the rest of the world must bow down to your way of thinking. NOT GOING TO HAPPEN! There are a lot of people in dept in this country & some may try and elude paying their debt but if you think for one second that Cavalry Portfolio Services has never made any mistakes you need a serious reality check.
And in closing before you ever call others stupid again, I've got one thing to say to you SPELL CHECK!
It's:
agency not angencie
immature not imature
incur not incure
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
(original comments of bitter woman that's probably just not getting any - somebody send her a toy and some batteries!! Maybe she'll become a nicer person!)
my husband works for cavalry portfolio and he is a damn good collector,& i myself work for a different collection agencie. I have never in all my life heard so much crap from lazy, stupid, and oh its not my bill blah, blah, blah file it w/insurance, its not mine, crap,that is ridiculous, cavalry is not a bad company, u people are just pissed off because deep down inside your sorry souls you know that you owe this money unless proven otherwise. how pathetic of you people to criticize one of the best collection agencies in the world. If you didnt owe the bill you never would have been contacted in the first place. Cavalry should not be shut down & you people can bitch all you want but it will do NOTHING AT ALL. you will still owe the bill and they will never stop unless you pay what you owe. So quit complaining like little imature babies and pay your damn bill. I am so sick of your type of people who expect everyone else to pay your bill or you just file bankruptcy to diminish your debt etc. you make me sick! This is what the world is coming to, its so sad. IF YOU DONT WANT THE PROBLEMS THEN DONT INCURE THE DEBT THAT YOU SO RIGHTLY OWE.and im sure that all of this will tick each and everyone of you little people off and thats fine. because guess what? you will still owe your bill and have to pay and i will still be my happy self. So gripe on people, gripe on, all it will do is anger you more because nothing will be solved. That is the truth. good day-
hello i also have a debt with Cavalry Portfolio Services as well. i had a old sprint bill that i did not pay due to finacial problems. When i order and recieve my credit report i see Cavalry Portfolio on my credit report. I call them and the customer service representive and myself agree to a monthly payment and he stated that "as long as you pay every month they will not put in the 30 days late on your credit report. when i call for another credti report i see that they still putting negative items on my credit report and i am paying them on the regular. when i called them again and ask them why is they still putting negative items on my report they said: " as long you owe that money to us they can put the negative reports on my credit payment agreement or not"
My question that i want to ask that can i take them to court or put a complaint against this company because they are messing up my credit report.
and finally when i ask them for a copy of my credit history so i can send it to all three credit agencies they still did not send my copy. i just need some advice.
I have read most of the post here and I have to say that I am very surprised, I have dealt with cavalry before and they were curteous and very professional. I have to say that the debt was mine and I didn't deny it and they were very good about working with me. I just wanted to share a good experience so you would all know that the entire company isn't full of people like the ones you all must have dealt with.
cavalry is the worst company out their they added on 4 thousand in intrest on to my so called account and i allready paid that acount when i refinanced and they are still calling me after i sent in the proof i have read some of the postings on hear and i found one with an ex employee saying they charge their own intrest on accounts they need to be investigated and brought to justice they have no right to charge people what ever they want and get away with it
I am having a bad experience with Cavalry as well. I found out about them from pulling my own credit report for another reason in 2004. I had a standing settlement agreement with the company they acquired the account from and had a balance of approx. $8,000 in 9/04. In 11/04, when I received my credit report, cavalry was listed and my balance was reported as $14,000. I never received anything from this company in writing. I called them and requested numerous times for something in writing to no avail. I have sent 2 certified letters requesting validation and sent a copy of my settlement agreement. They said they never received the 1st letter. The second letter included legal jargon and verbage from the fair debt collection practices act and I received a call. I spoke to the supervisor and she upset the situation even more by telling me that I was asking them to report false information to the credit bureaus by asking them to report my actual balance. She also told me that if I wanted to pay off the account that day, i would have to pay the full $16,000. The problem with this is my settlement agreement clearly states that no interest is to be charged as long as I don't go into default and if I do, the agreement will be null and void, they will collect the full balance of $11,235 plus 23.9% accrued interest from the date of the last payment. Cavalry has stated and faxed me a payment activity showing that I am not in default and have been paying as agreed. However, they have been charging the interest since they got the account and on a monthly basis. They have also reported to the credit bureaus that I am paying late. I informed this supervisor that I will be contacting an attorney. Since this conversation last week, I received a letter from cavalry (the 1st correspondence I have received from them other than the faxed payment activity)outlining my current status. The letter states that my current balance owed is approx. $7,000, but they didn't address credit reporting issue. I just want them to report correct information because it affects my scores negatively. I have already disputed to the credit bureaus twice. I just received a response today and the only thing that changed was the address for Cavalry.
They are in violation on a number of levels because of basically changing the terms of my agreement without any correspondence to allow me to agree, and reporting an inflated and incorrect balance, and false information to the bureaus.
I have contacted an attorney and waiting to see the results of the credit bureau disputes before proceeding. I am prepared to utilize the full extent of the law and go the distance to clear this matter up. I believe in paying what I owe, I just went through a bad patch in my life and made bad financial decisions. I have cleared up everything else on my credit and having been making payments as agreed upon on this account, but the credit reports don't reflect the progress because of the way Cavalry is handling this.
I would tell anyone going through this, don't avoid this situation, pursue justice, and take ownership.
Yep, same story.
Cavalry/Sprint is after me for an unpaid Sprint bill, for an account I never opened. Got the FTC "ID Theft Affadavit" off the FTC website, filed a police report, and am about to send the affadavit to Sprint, Cavalry and all three of the credit reporting agencies.
Incidentally, this is not the first time I've had a consumer run-in with Sprint and I'm really irked that they bought Nextel, the only wireless carrier that punches a signal into the Sierra foothills where I live. Sigh....
To the person with the $55.00 debt that was owed to Sprint and paid to Cavalry.
In accordance with the FCRA (Fair Credit Reporting Act) Cavalry practices fair and accurate reporting, meaning: A paid debt will show as a paid debt. The best way to not have a negative credit history, is to simply never have had one.
I am sorry your debt appears as paid after collections, but that is a fair reporting of what actually happened.
As always when dealing with any collection company, make sure you call and request a letter of satisfaction for your personal records.
Good luck with your credit.
Time to report them communists
So, some random company can pull a random person out of a Transunion Credit report...make up something about some account that could belong to anyone with a similar sounding name...
Then say it is MY responsiblity to clean this mess up?
Seems like the knucklebreakers would have some easy access to the proof...ah...but they don't.
If you want my attention, you will send some proof of who you think I am...I won't offer my private info to you.
Has anyone that has had the unfortunate experience of dealing with Calvary also ever dealt with Financial Growth Foundation, Ltd?
Please post here if you know anything of FGF.
::mindchuck - your're offer is mighty tempting!::
I too am now in the middle of the extremey poor collection techniques of Calvary. An account that was not mine has been filed on my credit report that is otherwise spotless. It is not a major amount and a dispute has been filed with the credit reporting agency but I hold out little hope. They do not even have a social security number associated with this account as well as the name is not an exact match. Don't they have to prove that the bill is mine? It is my contention that they file a negative to try and extort money from innocent people. Any ideas on how to get these bottom feeders to remove a collection from my report that is not mine? Any advice would be helpful.
I worked for Cavalry and enjoyed every day. As in any company, there are those that give it a bad name. If you look at the shear numbers of charged off accounts, it is conceivable that mistakes are made. Collection companies such as Cavalry purchase debts at discounts from face value. This is done after charge off and some effort by the originating creditor to collect the debt. The information as of that date is transferred to the purchasing company, such as Cavalry and there are others. If you take the number of accounts containing incorrect information, multiply it by the number of companies issuing credit, then it is understandable there are honest people calling on accounts with erroneous information. They can only take action to correct it if someone answering is willing to provide the information, send a letter, etc. On the subject of replying with a key, ie #4, to respond if the person does not live at the address, computers are not perfect but we expect them to be 100%. Those systems make millions of phone calls trying to assist one answering person in either paying that debt, which by the way is owed at all times unless filed under in a bankruptcy, or clearing erroneous accounts.
Simple cooperation is required. Many persons working for this company are well educated and look forward to helping those individuals wishing to clear a debt they incurred. Much of the confusion for debtors comes from blogs such as this. Some of the letters are warranted, but many of you are irritated because of lack of PROPER information. The statute of limitations as stated a few times in earlier blogs is for legal remedies only. The debt is still owed. The notion that interest is illegal to charge once the debt is charged off is again a lack of knowledge. The training is extensive and ongoing to assure that procedures are followed and laws are adhered to. These collectors are human and errors are made unintentionally. For God’s sake, look at some of the simple spelling mistakes made throughout this entire site and possibly this letter as well.
Some of you focus on “What will paying this debt do for my credit now”. I see your point and sometimes it would be nice to just start over. I’ve been there myself, without any intention to be there. It shouldn’t matter that Cavalry only pays cents on the dollar to acquire these debts, they are valid. I bet you don’t bitch to the restaurant manager about the $16.95 steak dinner you are eating when it costs them a only a few dollars. Your contracts you sign state the account may be sold, interest defaults to maximum allowed percentages, etc. Most of you simply do not read the small print. It’s sad I am taking time from my evening to respond but I am tired of paying more for goods because much of America is in debt, many are not paying their debts, and the money has to be made up somewhere. I am well educated, worked hard every day at Cavalry and devoted many hours in helping make it a fine company. Every company has assholes, many of you are assholes at some other company with people bitching somewhere about you. Think about that from now on. Also, the “Do Not Call” lists do not apply to collection companies.
I checked my credit report and found Cavalry Portfolio there. The debt is mine, and I want to set up payment terms. I sent a letter explaining that I would like to resolve my debt, and in response I received a letter from an Attorney asking me to provide all sorts of personal financial information in order to discuss payment arrangements.
In addition, the letter says: "this letter will advise you that our negotiations on this acount are only in regard to a payment plan. Our client intends to file for a judgment in this matter 30 days from the date the summons and complaint were served upon you, and our negotiations regarding monthly payment will not delay filing."
What the heck is that about? I honestly want to set up a payment plan! Why file judgment? Nothing has been served to me. I am going to call Cavalry tomorrow (they've never called me), but I am worried about what info to give them. Will they work with me, or use all my personal information against me to garnish some huge amount from my paycheck? Has anyone gotten to this point? I'm freaked out!
Well, thought i'd give an update. I called Cavalry. They said as long as I contacted the attorney, i could set up payments, and they wouldn't file a judgement.
I called and spoke to someone at the law office today. They said that Cavalry always files a judgement, even with a payment plan, and the person I spoke with was mis-informed. THEN they asked me when I received the paperwork about the judgement. I told them I hadn't received anything but the letter from them, and they were surprised. They said they needed to contact Cavalry and would get back to me.
Something is screwy. Anyone know what is going on? Any Cavalry employees out there?
Have you requested verification of the debt with no response? Did Calvary cease contact or did they continue collection efforts?
We would like to hear from you for possible participation in a class action suit. Please email
[email protected].
Cavalry is the worst collection agency I've dealt with and we should all boycott SPRINT and use the other wireless companies out there. all the employees at Cavalry are a bunch of unscrupuluos bloodsuckers devil worshipers!
my experience with cavalry has been one of the worst and I am going to join in the lawsuit.
I stopped reading when everyone started bitching about their bad debts catching up with them - Pay your bills or shut it up. Bad debts dont just "appear" and no, there is no such thing as a 25% wage assignment on something that is not yours, by law, a garnishment can only be a certain percentage of your pay.
ANYWAY, I found this site while looking on how to stop this company from calling for a LOSER named Joe Wolf. Dont know him, never known him, but know now all about his dead beat ways thanks to his bill collectors calling at 8am!!
Thanks to all you that use the internet to bitch, instead of using it to understand your rights for NOT paying your bills, people like me, who pay my bills and have a non published number, get calls for LOSERS like you that give the wrong numbers on your credit applications!! Thanks LOSERS
I keep getting phone calls for a person I do not know (as many of you have)from 888-845-0146. I press #4 on the menu every time. But they keep calling back. They have called every day this week! Is there any way to get this harassment to stop? I spoke to a woman who told me that she would remove our phone number but the day after I received another phone call. I feel that it is sad that those of us who pay our bills have to deal with this!
Cavalry is bothering us as well. Don't know why - we went bankrupt last September and our debts are all up to date. There's nothing to collect. Those of you who work for Cavalry - quit defending your company. From what I see and now get to experience, your company's books and records need to be very thoroughly investigated.
i wonder... does Cavalry Portfolio Services hire people to respond/debate/and pass judgement on the persons/opinions and/or comments on this site? if not, do they, having heard what a reputable company they are, know how their employees are representing them, on thier own time and in their own words... i, being a buisness owner and having been in top executive positions in multimillion dollar, world-wide companies, know that i would never condone a "self-appointed representative" to be presenting themselves and their expressed opinions as those of the company...
Cavalry appears to not be as savvey
as they imply...... after all they do purchase bad debts from many different companies, and in turn become the current creditor, and impose their company fees/penalties/% rates etc...
SO, why are they hiring Associated Recovery Systems, "a debt collector" to be their collection agency??? is ARS a branch of CPS?
Does ARS now own the note? who is the original creditor? have they been satisfied? what is the total legal indebetness to CPS?ARS? Can each of these companies continue with their judgement? when is liability put back into the simple hands of the original creditor and debtor, which by the way, might help some who look to them as a viable quick albeit temporary solution to a possible personal financial crisis, which we ALL have at 1 time or another in our lives, ALL no matter how much you make, honest you are, christian u r, or under-handed, if it were not for these shrewed buisness persons who willing and in amazingly high figures (accts & $)who purchase these bad debts from all these other obviously poor business-minded companies that made the original loans, quite possibly they wouldn't be so quick to grant the loans/credit to those that aren't really qualified/financially
capable to take on this debt, but are lured into/ w/a false interpretation with the ease of retaining loans/credit, rather than being turned down/ given the reality of thier financial constraints. There probably would be no Jones' to keep up with eh?
Wow…Had some time on my hands when I came across this site. I have read some of these comments and most if not all of you NEED to use spell check. Having said that, I had my own problems with Sprint and the way they do business. They are a very unprofessional company that is represented by a bunch of simple minded, resentful, immature children that, I believe, do not realize what they do when they do not follow through by crediting and closing accounts properly. This is what happened to me when my phone was stolen. I called immediately and no calls had yet been made so the rep. closed the account and assured me no calls could then be made on the phone. She was correct; however, the account was never closed by her. So when I received my next bill and the account was still open I called to close the account once more. When I received the next bill, (no calls made of course) I called again. Was told it would be taken care of. Meanwhile, I paid the bill to date, even though I resented doing it because this was Sprints representatives mistake not mine. I did not receive another bill for 2 months and then was told I was late. I called again and was told I did not call the correct number to close my account!!! Imagine my surprise. Again I was told it would be taken care of and was given an apology, but guess what happen??? I received a late notice the next month for the 2 months they did not follow through…Needless to say, this is a big problem with Sprint and they know it. Yet they do nothing…
In response to the person who declares everyone out here owes the money or they would never be hounded is dead wrong but again too immature to know the truth. But they will!!!
By the way, I own my house outright, (worth approximately $500,000.00), own my 2 vehicles outright. Have thousands of dollars in the bank and piece of mind knowing Sprint will never see any of the money I do not owe.
Some of you will be happy to know that there is a class action lawsuit filed in US District Court in Pennsylvania against Calvary Investments, LLC and Calvary Portfolio Services for violation of section 1692e of the FDCPA by not updating information with credit bureaus that were reported as false or disputed.
I have had my own experience with Calvary trying to collect on a very old car loan past the statute of limitations. To make the matter worse for Calvary, they are not licensed to do business in The State of Washington under RCW 19.163.430. Anyone in the State of Washington who has collection issues with Calvary should file a comsumer complaint with the State Attorney General's Consumer Divsion and get an attorney if they got served a notice to appear in court.
It is sad to join this long diatribe of complaint, but Calvary has done it again. This is about an AT&T Bill that was resolved with AT&T two years ago. Calvary has purchased this 'debt' from AT&T in March, and AT&T now claims that they do not retain records past 18 months. This means that in contesting this bill (trying to find verification from AT&T that the account was paid and closed) is not possible.
Yes, get this....Calvary buys bad 'debt' from AT&T at around 19 - 20 months past last activity. AT&T deletes all files (ALL) past 18 months, so there is no record. You contest but there is no way to obtain any information.
This has caused my credit to drop from 760 to 670, forcing me to get a much higher rate mortgage and causing additional financial pressure on my family. Who ever is responding for Calvary needs to dig deeper and look at the underlying principles in debt purchase. I am an ardent believer in the free market, and believe people should pay for things they have used/owe, but let's get realistic about how to resolve questionable credit claims. This company works on the margins, hoping to force quick settlements and extort money through pressure and obscuring what actually transpired. TO ALL CALVARY EMPLOYEES - Look at yourselves in the mirror tomorrow morning and think about if this is the job you want to be doing? Do you REALLY get paid enough to cause such stress on people?
You can find the contact information for just about any and all of the collection agencies there are at http://www.collection-agencies-usa.com
and if you want to learn how to deal with their abusive debt collection efforts you can find all you need to get the job done at http://www.creditwrench.com
Is it legal for these people to call your place of work? I have an old charge off debt from ford that they bought and are now trying to collect 3 years after I settled with Ford.
So my wife got a phone call while I was at work. A woman said she was calling from Calvary Portfolio and wanted to speak to me. When my wife asked what it was in regards to she got this snide reply: "He should know why I'm calling. Have him call 888-845-0146 and ask for Maggie." Well I've never heard of them before and after reading this and information on other sites I don't know if I should call these rude crooks or not.
Just recently getting my credit back in shape( so I thought) and I checked my credit reports this week, and low and behold out of no where I have a $6000 collection placed on all three credit reports from Calvary from a 4 year old charge off from FMC...how much grief is this going to cause me?
Until today, I had never heard of Cavalry. I got a letter in the mail from a different collection agency, and where the creditor is listed, it just says Cavalry Portfolio Services. It doesn't even tell me who it's for, just what I owe. They obviously sold the debt, whatever it may be for, in the recent past. I wonder if they sold out before the class action lawsuit kicks in so that they don't have to pay out money on my account. I had a friend that had a letter come from a different collection agency, saying that there had been a lawsuit and every account that collection agency owned at the time was to be credited $280, or up to the total amount of the bill, whichever was less.
Anyway, I ws trying to find out who this company that I supposedly owe money to was, and that's how I landed here. I did have a Sprint phone and it broke so I closed the account and it is possible that they screwed me over to begin with, then sent it to collection. Other than them, I can't think of anything that it could be. Sprint was such a horrible company that if that is what this is, they can bite me. I own everything (my home, 2 cars, etc) outright and I don't carry credit cards, so as a matter of principle, if I have no choice but to wait it out for 7 years, I will.
Oh, and to Mrs Debt Collector and others, while you may not fall under the laws of telemarketing, that's exactly what you are. 90% of all debt collectors work in outsourced telemarketing firms. I happen to work for one of them, although I don't do debt collection. I actually maintain credit card accounts for a major credit card company (how ironic), but my actual employer has several debt collectors as clients.
And to the person that said they'll get theirs, they already do. I haven't taken an application for credit yet for someone in a debt collection agency that didn't get declined for delinquincies and late payments.
Everyone who has complaints againt Cavaly, go to www.ripoffreport.com. The more complaints against the same company ripoffreport will do an investigation on cavalry crooked ass!! Then coming soon on that web site it will email people(only if get enouh complaints) to start a civil lawsuit against they ass!! OH by the way cavalry it has been almost 2 months since I sent you a VOD certified mail, WHEN ARE YOU GOING TO RESPOND????? LOL
WELL WHERE DO I START.... I STARTED WITH CAVALRY IN 10/2004.. I LIKE COLLECTIONS BECAUSE I GET THE CHANCE TO HELP PEOPLE THAT HAVE ISSUES LIKE I HAD IN THE PAST IWTH OUT BEING MEAN DEMEANING OR RUDE.. I WENT OUT ON MATERNITY LEAVE FEBRUARY 2006 AND RETURNED TO WORK ON 5 1 2006 AND ON 5 22 06 ENDED UP BEING TAKEN OFF WORK DUE TO A BACK INJURY WHILE OUT ON MEDICAL LEAVE AND SHORT TERM DISABILITY THEY FIRED ME BY MAIL. THEY ARE A HEARTLESS COMPANY .. THEY HAVE FIRED OFER 60% OF THE STAFF THAT WAS LEFT AFTER THE NEW DIRECTOR CAME IN IN FEBRUARY 2006..
IF YOU PAY THEM AND SET UP POST DATED CHECKS FOR THE END OF THE MONTH AND YOU CALL TO CANCEL IT THE DAY BEFORE THE LAST DAY OF THE MONTH THEY WILL RUN YOUR CHECK ANYWAYS AND SAY THAT THEY CANT CANCEL THE CHECK. THEY LIE ABOUT REMEDIES THEY WILL TAKE IF YOU DONT PAY THE ONES THAT GET SUED ARE CALLED FROM THE LEGAL DEPARTMENT AND YOU HAVE TO HAVE ASSETS//// PROPERTY ETC NOT JUST GOOD CREDIT AND SMALL BALANCES THEY DONT TOUCH SPRINT AT&T ...// IF YOU WANT MORE INFFO LET ME KNOW
PISSED OFF FOR WRONG DOING
Yeah, Yeah, Calvary employees, I paid my account through another company after it became overdue (d/t medical reasons not deadbeatitis). I get a phone call r/t this bill and ask the dates of the service provide by the company retaining their service. The date given was over a year after the card was cancelled by the issuer and per the caller was on the card issued to my wife under my name. To make a long story short, she never had a card from that issuer and I never gave her this card in the first place. now, I ask you responsible adults out there, do you think a card issuer would let you charge a product on their card they had cancelled over a year previous? I think not. As far as keeping records, no one keeps records as good as I do, well maybe some do, this account was over 7 years ago now, but I don't keep everything forever. After 3-4 years, I toss things out, except tax records. You know there is only so much space in this world for each of us.
Trisha, I would like to ask you a question about Cavalry criminal ass. Where or how in the hell they come up with these fake debts? Honesty to God truth, I NEVER in my life had an account with AT&T wireless. How did they get my info? I called AT&T wireless on my own and personally gave them my ss# and this kind lady checked her computer and then told me she couldn't find any evidence of me ever having an account under that ss#.NOT presently nor in the past. Now how do you explain that? Oh yeah, CAVALRY I sent you a VOD dispute over 45 days ago, WHEN ARE YOU GOING TO RESPOND????
You know what Calvary? You guys are full of it. You are trying to tell me that I have a Sprint account and I've never had a Sprint account. Sprint is full of ----! You and your employees need to switch to Cingular! That's why y'all's calls aint' getting returned, Sprint has to many DROPPED calls. I wonder why! And it's fake companies like y'all that pick them up!!!!! Get some real business.......
I have been contacted by Calvery about three weeks ago by a gal named Lisa and then spoke with a guy named Nick. The conversation got heated needless to say. These people are claiming a debt of 6000.00 Dollar to a leased vehicle over 9 years ago, yeah right I keeped all that paperwork and gee you would have thought that the dealership at the time of returning the vehicle would have notified me of any other charges. Well after speaking with the dealership and attourny's I found there is a limited time in each state for unpaid debt collection. After speaking with the Ak state attourny generals office, this morning I did get a phone call from the Alaska State Troopers they advised me to not speak with these people and they are refering this matter to the FBI. This is a white coller crime. And they will contact them about the constant harrasment in the way of phone and mail. My advise to the rest of you is to contact you State Attourny Generals office and your local police departments. Stop these people from ruining your lives.
After all the aforementioned comments my story seems mute. I was going to advise you
that there was an agent envolved when I was supposedly working with
AT&T regarding a cell phone which I have never had nor ever would have. I have never had or ever been envolved with AT&T and I have been advised of a court
proceeding dealing with this issue.
I have been contacted by these people probably 6 times within the past 2 years. Not for a debt that I have but for a debt that my ex-husband has and they can't seem to get a hold of him, so they call me to try to find him. At first they wouldn't give me any information. "I'm sorry, we can't disclose that information." I should have said, "I'm sorry, I can't disclose any contact information you are requesting unless you tell me what this is about and STOP CALLING ME!!!!" Around the first time they called I was going through a child custody battle with my ex and the only thing I could think of was something was going on with my son. They were kind enough to tell me it had nothing to do with my son. In any case, 2 years later, I'm still getting calls.
This is directed to the lady who stated her husband works at this company and she works for another. Some of you may recall some of her comments like "lazy, stupid, its not my bill blah blah blah." my comment is that I don't have a problem with someone trying to collect a debt however i do have a problem with someone trying to collect a debt that is past the statue of limitations. Once the statue of limitations is complete (in my state it is 7 years) it is against the FAIR DEBT COLLECTIONS PRACTICES ACT to try to collect that debt. If anyone is interested in looking this up to find out the laws and what collection companies can do, just do a google search and it will tell all the collection laws. For those of you who have accounts that are over 7 years old just dispute with the credit bureaus and they will remove them. They are not allowed to keep negative accounts on your credit reports longer than 7 years old. The credit bureau gives the company 30 days to validate that it is within the 7 years and that it is a valid debt. If the company cannot do this the credit bureau has to remove it from your credit report. I am in the same boat as a lot of you. I have a credit monitering service and I get a credit report every month. This company just appeared on my credit report in June for the first time and say I owe 6400.00. I have no idea who this is and have never recieved a phone call, letter. or any correspondence with them in reference to any debt owed but they are tearing up my credit. I will say that due to them already messing with my credit that if they do contact me, They can EAT MY SHIT!!!!!
Revisando mi historial de credito veo que Cavalry esta en mi lista.No entiendo porque ya que no tengo nada con Sprint yo habia informado sobre el robo de mi IDENTIDAD. Y me estan facturando 243.00 dolares de una cuenta que no es mia, Porque no averiguan primero antes de joderme el credito..Malditos sean. Por cierto me llamo Luz, y ojala reciban mas insultos por cabrones.
Calvary has also harassed me. The thing that irks me about this crap is when you tell them you don't owe the debt they say prove it. This is the USA. You prove I owe the debt, and until you do remove it. The problem is they buy the debt from someone else and take their word for it with out proper paper work.I'm sure that they pay so much on the dollar so why wouldn't the selling company add additional fees to boost revenue they thought was lost? Even if you do get someone that acts like a human they ask for the same info and then never call you back or remove the crap from your report, the calls just stop. And to the Calvary employees that spoke of responsibility, that's being responsible? You can call and harass me about your mistake but not to say sorry and I cleared that up? If I owe it come Hell or high water you'll get your money other than that don't bother me. By the way Sprint is an a--hole company with poor customer service. If they would settle disputes with customers in house they wouldn't have to sell accounts to leeches and screw everyones credit up.
Well I agree with you all. Calalry and all of its employees are full of shit. I have tried many times to settle a debt that I had with them through MBNA. Well now that I can settle the debt they dont want to settle it with me. I called them about 4 times today and talked to 4 different people. The 5th girl told me to leave my name and number and they would call me back to keep me from calling them too many times because they have other customers. How Rude!! They call you 3 or 4 times a day but dont want you calling and harrassing them. I even had a manager--NICK--laugh in my face because I didnt have the money to settle my account and told me if I wanted to buy my house (which is why I was trying to settle) that I would take what they were offering or stay where I was at. Cavalry and all of its employees can burn!!
I need advice. I just received a letter in the mail today from Cavalry trying to collect some $500 of Sprint debt. I can HONESTLY say that I NEVER had a Sprint account. Is this company even legit? Has someone stole my identity? I am really frustrated. I am calling the compliance department tomorrow, but after reading this, I am afraid it will come to no end. I'm scared to see what this error has done to my credit score. I am sorry, but you 'employees' of Cavalry do not know what your employer is doing. You are oblivious. What a shame. Should I contact the BBB, my attorney, what? Thanks
Ditto, ditto. I too am being harassed by the vultures, oops I mean the Cavalry collectors. I receive about one call a day, either computer generated, or from "Adam" asking for myhusband or my husband's ex-wife. I have told them I am not that person, but they continue to call. They are trying to collect on an old Ford debt acquired by my husband's ex-wife. If anyone has an address on "Adam" phone # 866-840-6627, I would really appreciate it. I would like to get an address and pursue this with the Texas Attorney General's office. I will also report them to the BBB. To all of you out there frustrated, don't give up. Report them to the Attorney General's office and the Better Business Bureau, write your State Representative. Texas "State law prohibits the use of harassment and abusive collection tactics. It is illegal for any debt collector to:
• threaten violence or other criminal acts;
• use profane or obscene language;
• falsely accuse the consumer of fraud or other crimes;
• threaten arrest of the consumer, or repossession or other seizure of property without proper court proceedings;
• use the telephone to harass debtors by calling anonymously or making repeated or continuous calls;
• make collect telephone calls without disclosing the true name of the caller before the charges are accepted."
BUGLE CALL- Let's be like the Cavlary and CHARGE....
It's time we the, consumers take control of our lives.
GEE - DOES ANYONE ON THIS SITE PAY BILLS? IT SEEMS TO BE EVERYONE ELSES FAULT. TRUTH IS THAT WHEN THOSE OF YOU WHO TRULEY OWE MONEY JUST WHINE AND COMPLAIN AND DONT PAY FOR A SERVICE YOU AGREED TO - ITS THE REST OF THE POPULATION THAT HAS TO PAY FOR YOUR IGNORANCE. IF YOU HAVE A DEBT AND DONT PAY FOR IT IS THE PUBLIC JUST SUPPOSED TO "TRUST" THAT YOU WILL ONE DAY RESOLVE YOUR OWN IGNORANCE? GEE - IF A COLLECTION AGENCY IS CALLING YOU ITS BECAUSE YOUR DUMB ASS MADE NO RESPONSIBLE EFFORT TO CONTACT THEM FOR RESOLUTION - AND AS FOR THE FEES THAT ARE ADDED, WHO DO YOU THINK SHOULD PAY A COMPANY TO CALL LOOSERS THAT HIDE FROM DEBT? YEH - THE JERK THAT HID FROM THE CREDITOR "THE DEBTOR". YOU RAN AND HID AND THOUGHT THE STAUTE OF LIMITATIONS WOULD RUN OUT - HOW DISGUSTING! HOW DO YOU SLEEP AT NIGHT? AND AS FOR THE JERK THAT DOES NOT THINK COLLECTIONS IS A CAREER - WHICH BURGER KING ARE YOU WORKING AT? BECAUSE YOU DONT KNOW JACK!!
this website is very interesting and informative. Collecting money from people for people because people over indugle themselves is the way to go. This is AMERICA and since before the indians, our forefathers have been liars, thieves, and prostitues. we have raped, killed and lied to the minority to please ourselves. so why would now be any different. the laws just make it easier for those who have and understand the bi-laws and like always life is harder for those who have not. profit gain is everywhere in the world how desparate are you to get a piece of the pie. As the white collar crime doers that seem just now to be under the gun. We should understand the game (American Law) and use it to our benefit whatever side we are on. No collector will be welcome to get whatever they want when it is not them that i may owe. Never. Enron, Bush, East War, Big Business gain, overseas Jobs, Tax Breaks, Katrina, Fema, ect,,,,it will continue and only True God and Savior, Only He will straigthen it all out. He shall be the true judge to all that is wrong and unjust. Yeah,answer the phone but it is your home line. You control that conversation. It is your money that they want for someone that you may have owed. If the conversation goes different respectfully,,,hang up. if they call several times-harrassment. learn the laws and the bi-laws. Collectors are people too, they have families too..,,remember that we you feel scared. As one collector said they go home to their families. interesting. what goes around comes around,,,the american way. you may comment about the spelling, i am not the best. however, i know you get my point. American school
Now for mine. First of all, the person who is representing Cavalry on this blog, enough is enough. I'm sure there are some instances of exaggeration, however, where there's smoke there's fire. Admit it. There can't be this many people with this many SIMILAR complaints, without ANY sort of validity to it. I checked my credit report 6 mos ago, found Cavalry on there for something from '96 from Sprint. It was something that I knew nothing about, and I had left messages for Cavalry without any return phone calls. Finally, I decided to go to the source, and after calling Sprint and looking into it, it was decided that I actually did owe the money. I paid it right then and there in full directly to Sprint. I also updated my contact information, in case there was any other problem, they would be able to find me. No less than 2 weeks later, family members of mine start receiving phone calls looking for me. I'm talking about family members that I hadn't spoken to in 3+ years. This Nick guy even contacted my grandfather, and had the audacity to ask him to confirm that my grandmother, his wife, had passed away 12 yrs prior. After receiving a phone call from my mother, who was thinking is was possibly identity theft, I called the number back and was able to get in touch with the person who was calling my family. After explaining to him that this was paid in full directly to Sprint, I asked him to remove me from whatever list he has me on, and then started to say some choice words about referencing my deceased grandmother to my grandfather, when he abruptly hung up on me. Approximately one week later, I received another phone call from someone in their office, asking me to verify how much I had paid and when it was paid. When I told him the amount (which was $250.00 less than what they were trying to charge me), he said, yes, that was how much they bought the debt for, and that it would clear my account. He then explained that it might take 3 months between sprint reporting it to Cavalry, Cavlary reporting to credit agencies, etc..for it to come off my report. My wife and I had just started looking for a house, and I knew it would take 4 months or so, so I said I understood, and that was that.
Fast forward to today, where I checked my credit report again, and it has been updated, but now, it says I have a balance of $52.00. When I called them, I explained my situation, and once I finished, I was very rudely answered with, "Well, that's interest. You signed up for it on your contract" and then, when I asked to speak to someone else, he referred me to the "Compliance" department, which i'm sure is some small suite in some small town in New York, with about, 2 people working in it. My credit score is still being affected by this "delinquent" account, and I continue to get no help from any one in Cavalry. I'm sure that the "employee" will respond saying I should send all copies, blah, blah, blah...did that. Even faxed copies of cancelled checks to Cavalry, and still no help. So, I've followed all the advice on this blog. I filed complaints with www.bbb.org and www.ripoffreport.com. As far as a next step, I'm not sure. Speaking to a "higher up" in this company doesn't seem to work. Makes me think that maybe they're just one big pyramid scam. Everyone making money off someone else, with some poor hardworking schmuck at the bottom getting ripped off. That schumck would be us.
Hopefully, some of what I have done will help, although, I'm not keeping my fingers crossed. I will keep you guys updated, and let you know what happens, if anything, and what works, if anything.
Thanks to @$$HOLES like the one posting above me in ALL CAPS who think as long as he can get away without paying he should not have to, all those innocent people that are victims of ID theft get a hard time and have to bend over backwards to prove their innocence. I must also say this site is the most entertaining site in the world to all of the Cavalry employees. We love it when whiners, complainers and THIEVES mock us and call us names. Now for those true victims of fraud, just get a police report and send us a copy then call it a day. If you were simply a victim of your own trust in your child, spouse, cousin, friend, etc. and believed them when they told you they would pay off that credit card, pay everyone of those cell phone bills or never miss a payment on that car loan you cosigned, your a liar and a thief like the trash WITH THE ALL CAPS POST ABOVE!
Keep the posts coming! The original owner of this site has long stopped paying the bills here but the good people here at Cavalry all chipped in to keep it up for our own entertainment. Have a blessed day!
HAHAHAHAHHA!!! That's freaking hilarious. I love it!
I just got my first call and they start off asking my SS#, but won't tell me anything about them, other than the company name. I said "there is no way I am giving my personal information until I know why you are calling me", to which she says "Well then, I guess we'll just have to call you everyday until you give us your information." These bastards have some balls, don't they.
I believe every word from every disgruntled consumer posting on here, because reading the replies from the Cavalry employees is like listening to an Andrew Dice Clay performance. I can't believe the language. Did you all get your training from Eddie Murphy? Or from watching Scarface?
Good luck everyone. And don't pay a dime. They can't make you, and after 7 years the debt is gone. I swear cavalry seems to hire the most articulate employees. Ex-cabbies, maybe?
HAHAHAHA
We need to band together and file a class action to sue and have all Cavalry stuff on all credit reports removed and have them put out of business for being unethical and as they say "STUPID"!
These fuckwits are trying to collect a VERY old 'debt'. For a Mobile Oil card, during my time in college. Funny thing is, I never had a card by Mobile Oil, didn't own a car in college, and there were no mobile oil stations anywhere in the town I went to school in and lived. And they have done things like send me letters (Trash), filed a credit mark with two of the three (a stamp and a form letter and they are gone) and the one time I did answer their infrequent calls on a 10+ year old debt they were ignorant of the laws and tried to trick me into admitting I owed the money (they record calls, you verbally admit anything and you have to pay even if its past the statute of limitations). I told them to mail me copies of the signed agreements and any signed receipts showing my signature on it... they never bothered. I filed a BBB and Trade Commission complaint and they still try and harass me (they are quite pitiful mind you, very bad at what they do).
Cavalry is a scam business folks. They buy very old debts for pennies on the dollar and try to collect, preying on the ignorance of people. AFter 4 years the debt is written off by law in most states and after 7 they can no longer legally try and collect nor mark your credit over the debt. They violate many, not all, but many of the federal laws and mis-represent themselves on a regular basis.
As for my debt (fraud), I filed a police report, BBB complain, and FTC complaint and have been advised that I should sue them outright on top of the FTC fines that they are going to be forced to pay the fed.
I posted August 3, and promised an update if I had one, and I do. I filed a complaint with the FTC and the BBB at www.bbb.org. The FTC basically sent me a form letter back stating that they could not help me, due to the fact that the complaint was debt related. They did, however, send me a form outlining all the Fair Trade Act laws, and almost led me to believe that they felt Cavalry had violated some of these laws. However, the BBB has actually truly helped me. They were very fast in their responses and their contacts with Cavalry. Within one week, I had received a response from them, with a letter from a staff attorney at Cavalry stating that, even though they didn't do anything wrong (which is bs, especially if you read my last post and read what they actually did) for the sake of resolving the issue amicably and efficiently (HA) they would close the case and stop all collection proceedings. So, basically......I WON!!!! The only thing I am now worried about, is making sure they correctly and expediently report this to the credit bureaus, as my credit score is still suffering about 50 points due to them. I have re-emailed the BBB stating my concern, and am awaiting a reply sometime this week. People, I highly suggest you contact the BBB if you have a LEGITIMATE gripe, and, like me, feel like your back is up against the wall. Unlike us, they HAVE to answer to the BBB. Also, if you search for them on the site, you will see that there are numerous complaints against them. Good luck, everyone
To get them off your credit report is rather simple. Write them a letter and send it certified that if the information they have illegally placed upon your credit is not removed you will be filing a lawsuit against them under the FCRA (Fair Credit Reporting Act). Then contact, as much as necessary until removed, each credit reporting company with a letter as well. If they know what is good for them, they will remove it immedaitely knowing they will have to answer to a lawsuit. These dirtbags are simply looking for the niave to send money their way to feed their bank accounts. FIGHT BACK WITH A VENGENCE! YOU WILL WIN!
Rar, rar, rar. Threats of physical violence. Somehow I am not surprised. Oh, and by the way, my pocketbook is a beautiful thing, thanks to your kind. You may not pay your bills, but you do pay mine. Thanks!
wow bold caps person must not have a hobby...jeez!
Just want to pay my debt, I know that I owed money to cavalry.Please tell me how to contact you guys.I believe there should be good people,people who want to help. Thank you.
CAVALRY SCAMFOLIO POSTED>
Anonymous said...
Just want to pay my debt, I know that I owed money to cavalry.Please tell me how to contact you guys.I believe there should be good people,people who want to help. Thank you.
8/17/2006 8:57 PM
DESPERATION AT ITS BEST!
Hey CAPS. You are such a fuck up. You say that collections past the statute is a scam? How about the homos like you that have an account past statute. You are a thief. You traded your tainted signature for stolen property. Is that how your beat neck family bought the tools you use to build those shitty homes and apts? My home, I'm positive, was not built by a bunch of deadbeats. Just wanted you to know that I have banged my beautiful blonde girlfriend in all five bedrooms of the home I purchased with all the money you gave me. Keep up your debtor ways.
To all the people that happen to have an account in collections because of some unforseen circumstances, don't listen to this guy. He says pay the original creditor. Well, in some instances you can. However, it will usually just take much longer for the payment to actually post to your account. That just means your bill collector will be calling telling you that you did not make the payment. In Cavalry's case, they bought the debt... NOW THEY ARE YOUR CREDITOR! So make things easy on yourself. Be cooperative, tell the truth, and collectors will simply be able to do their jobs. I'm tempted to drive around to all construction sites and start giving the workers a hard time. I would need to start swearing and making threats on the odd chance that I might find CAPS.
CAPS, you are just pissed cuz us collectors make at least twice what you do. If you weren't working for mommy and daddy, I'd see you picking up my garbage. We need your kind to break your back working while the rest of us use our heads. You are obviously unstable and probably got your ass handed to you by a collector so you have some personal fucking vendeta. Get over yourself and stop giving these people advise that will only cause more problems for them.
This CAPS character is living in some twisted reality. The laws he thinks he knows have all been misquoted. I caution anyone who has listened to CAPS's rantings. (This guy's sentences are so choppy and awkward to read.) Anyways, the real story is quite simple. Someone opens an acct, say cell phone or credit card. That company you signed on with says directly in the contract that they retain the option to sell your acct. Once it charges off, they win. They have probably already imposed massive fees and overages, often doubling the balance. When they are sick of dealing with you, they sell the acct for pennies of an inflated balance, upping the selling price for them. Now they are able to write off the entire balance for their tax purposes. You got had. Now, if you are in fact dealing with Cavalry, they own the debt (like the person above says.) If this is the case, you finally have an opportunity to pay close to or sometimes less than what your original balance was before the original company raped you. When Cavalry contacts you, whether by phone or mail, request a settlement. This means they will ignore a percentage of the current balance. If you work with them and have intentions of following through with a settlement, you will be able to negate the interest and late charges that most likely are why you were unable to handle the debt in the first place. Everyone wins here. You pay what you really owe, Cavalry or agency closes your acct, and your credit report reflects a paid acct that was at one time past due. HERE'S A SECRET: Once you have paid your settlement amount, request a satisfaction letter. Once you receive this, submit a dispute with all three credit reporting agencies. If Cavalry does not respond within the small 30 day window, the negative item will be COMPLETELY REMOVED from your credit report. Now remembere back how the original creditor raked you over the coals. They might have had a profit and loss write off, but they actually only received a small percentage of what they had borrowed to you. They ripped you off, but in the end, you can get them back. Especially credit card companies, these are the enemy. Granted, Cavalry does make a profit, but that's why collections is a multi billion dollar industry. The cc companies count on a certain amount of people to mess up with their product. This is part of the reason they still exist. My reccommendation to all that have came to this site with questions or concerns is to see the overall picture. Now is your chance to make things right. I performed the described process for a settlement and had a negative item removed (some stupidity on my behalf from when I was 18.) This is much more effective than anything I have heard from CAPS. I should clarify for anyone who is wondering, it is not illegal to collect on anything out of statute of limitations. Debt follows you to the grave, and in many cases beyond. Once the statute is up, it only removes the creditor's right to seek legal ramifications. Hope this helps some of you. After stumbling on this site and see some of the incorrect info here, I will stop back periodically to answer legit questions.
OH AND USE EVERY BIT OF THE
FDCPA LAWS AGAINST THEM. TURN THE TABLE!
WRITE AND SEND A CERTIFIED CEASE AND DESIST LETTER, WRITE DOWN ANY AND ALL CONTACTS BY THEM, AND THE METHODS OF OPERATION THEY USE TO COLLECT FROM YOU. THEY SLIP? LITIGATION TIME!
MOST OF THESE COLLECTION COMPANIES END UP WITH STIFF FEDERAL FINES FOR THEIR ACTIONS ANYWAY. REASEACH THE CLASS ACTION LAWSUITS THAT WERE SUCCESSFUL. TELLS MUCH.
Don’t Make More Mistakes!
Don’t pay one dime to a collection agency, file for bankruptcy, or pay
a service for debt consolidation.
If you do, or have, you wasted your money. There is no better time than NOW to finally get it right. Join the thousands of other people who turned their bad debt into profits and “Beat The Collector”!
Hahahahaha! This CAPS guy is a crack up. I just recieved a letter from this Cavalry Portfolio Services yesterday and decided to look up who they were and where they were located as well as if and any complaints against them. Well, I came here and read alot of complaints. My situation is 9 years old and through Sprint as alot of people here have said. What is really funny looking this information over is there is no account number, but a balance of $378. Really? Well how about proving that this is mine by providing an account number from Sprint that I owe it. I will not pay it anyway as statute of limitations in my state is 5 years. I will take some advice from here and mail it back with a go #### yourself on it like this CAPS guy said and see what happens. I haven't been called so that is one good thing.
Regards
Attention people! Hello!
DO NOT pay any bill that has passed Statute of limitations! You are handing away your hard earned money! They no longer have legal recourse against you! There are a few on here that have it very correct. Wow!
To the Collectors:
I found 3 collection accounts in my credit report from Cavalry dated 2001. But guess what? I moved legally to the US and became Resident in 2004 ( never lived before in the country) and I received my SSN in July 2004. Can you explain me what is the "logic" or "evidence" you use to say I owe you?
Do you really investigate or you just say:
"This guy has the same name, let's f#$%^ him..."???
I'M ABSOLUTELY CERTAIN I DON'T OWE ANYTHING!!
Now what?
They don't investigate shit! They place it on your credit as a tactic to get you to contact them. It's called a game. A game you can win at. Go to an attorney or read the Fair Debt Collection Practice Act and the Fair Credit Reporting Act. If they have violated 1 item that pertains to your situation, use full force to bring lawsuit to the table. They will do the backpeddling instead of you. And they will either remove it or pay. They have the choice. Beat them at the game they play. Its sad these people are so desperate to dig deep into ones pockets KNOWING what they are doing is morally wrong and even more when statute of limitations on a debt has expired. You can win. Be patient but persistant.
Good Luck
i work for cavarly, i dont understand the problem you people are having. i just went on a two week vacation, took my kids to disneyland and wouldnt have been able to if i didnt work for cavarly, we are honest people trying to help you resolve your debts. too bad you put them off and now bill collectors are calling you. your such good people but YOU NEVER PAY YOUR BILLS, I KNOW THIS FORM YOUR CREDIT REPORT, YES WE READ THEM ALL, for those of you having these problems with cavalry,want to make them go away? THEN PAY YOUR DAMN BILLS DUMBASS
Anonymous said...
i work for cavarly,
*FIRST INDICATION OF A SCUMBAG
i dont understand the problem you people are having.i just went on a two week vacation, took my kids to disneyland and wouldnt have been able to if i didnt work for cavarly, we are honest people trying to help you resolve your debts.
*REALLY? BECAUSE OF"CAVALRY" HUH? DISNEYLAND? POOR KIDS HAD TO VISIT YOUR OFFICE. WHAT A VACATION. I BET THEY LOVED DUMBO. ISNT THAT YOUR OFFICE MANAGER? OH SORRY! THATS PONOCHIO.
too bad you put them off and now bill collectors
*YOU MEAN BEGGARS?
are calling you. your such good people but YOU NEVER PAY YOUR BILLS, I KNOW THIS FORM YOUR CREDIT REPORT, YES WE READ THEM ALL,
*I BET YOU DO. THATS WHY IDENTITY THEFT IS AT ITS ALL TIME HIGH.
for those of you having these problems with cavalry,want to make them go away? THEN PAY YOUR DAMN BILLS DUMBASS
*I BET YOUR A PROFESSIONAL FINANCIAL ADVISOR? THIS IS A PERFECT EXAMPLE OF WHY PEOPLE WANT TO POKE YOUR EYES OUT. YOU HAVE A PERFECT ECONOMIC LIFE I BET HUH? YOU SELF RIGHTEOUS LYING PILE OF SHIT. AFTERALL WHO ARE YOU JUDGING? YOU'VE BEEN GIVEN AN "ENTRY" LEVEL JOB BECAUSE OF THESE "DUMBASS". KEEP UP THE GOOD WORK! MCDONALDS IS HIGHERING ADVANCED EDUCATED PROFESSIONALS LIKE YOU TO FLIP HAMBURGERS. CONGRATULATIONS ON YOUR MARVELED PATH!
8/19/2006 8:14 AM
Laughing very hard. This site is funny. The person above is a very funny individual. But what is even more funny is I was just reading the several above posts and noticed the person states they work for >cavarly< twice. Notice the spelling. Notice it is not Capitalized. What pride. Is this the type of people that work for this company so many are complaining about? One must wonder.
CONSUMER ALERT AND FACT SHEET ON COLLECTION AGENCIES AND JUNK DEBT BUYERS
“Junk Debt Buyers” are collection agencies that purchase bad debt – they are working for themselves as they
now “own” the debt. “Contingency” collection agencies work as agents for another company. A junk debt buyer
may also be in the contingency collection business OR they may contract with a contingency agency. Junk Debt
Buyers are a multi-billion dollar industry and are responsible for a large number of debt collection and credit
reporting violations of law. Some Top Industry Players (Some of these companies may be owned in part by others):
Asset Acceptance (AAC)* Sherman Acquisitions/Sherman Financial Group/Alegis
NCO Group* Portfolio Recovery Assoc.*
Asta Funding* Encore Capital Group (parent of Midland Credit Mgmt)*
Allied National/Interstate Risk Management Alternatives (RMA)
JBC & Associates Arrow Fin. Svcs. (majority interest acquired by Sallie Mae 9/04)
RJM Acquisitions CAMCO (Capital Acquisitions & Mgmt Co)*
Excalibur Cavalry Portfolio Services
Unifund Group Phoenix Asset Acceptance
First Select Corporation (part of Providian) Collins Financial Services
Oliphant Financial Corp. OSI Portfolio Services
*These have been the subject of recent FTC legal actions and penalties for illegal/abusive collection practices.
Types of Fair Credit Reporting Act & Fair Debt Collections Practices Act Violations
Re-aging accounts to attempt to force settlement on “time barred” (out of statute) accounts. The actual
date that the debt becomes delinquent is supposed to be reported under FCRA. Re-aging is the practice of
reporting a bad debt account as more recent than it really is. Re-aging causes the FICO score to drop
dramatically since the scoring model interprets the re-age as a more recent default. JDB’s press for
payment of some amount to bring the debt back under the statue of limitations after which they can sue
you and have a chance of winning. Note – state statute of limitations (SOL) for collections are different
from FCRA statues of limitations for reporting.
Misreporting the legal status (e.g., an open chargeoff that was actually discharged in bankruptcy)
Misreporting the “open date” and “date of last activity” on an account
Various California Penal Code violations (e.g. consumers not being notified if their calls are being
monitored or recorded)
Multiple listings of the same debt: Junk debt buyers are often responsible for multiple reporting of the
same debt as these change hands among buyers and sellers. Usually, these same debts are reported by the
original creditor as well.
Collectors pretending to be lawyers.
It does not improve your credit score to settle an old debt unless the item is completely deleted (not just
reported as “paid in full”) – it makes it worse since the delinquency/chargeoff will now be reported as more
recent!
Internet Forums and Resources:
www.artofcredit.com; Creditnet (http://consumers.creditnet.com/straighttalk/board/);
www.collectionindustry.com (here’s where to learn how debt collectors think); Creditwrench (URL is www.creditwrench.com);
Yahoo, AOL and other internet portals have various credit and debt message boards and forums.
What to Do:
- Don’t assume you are wrong - assume instead that your rights are being violated
- Keep all letters, account statements, and court records (even from years ago)
- Do not provide the collection agency/JDB with updated personal information. Never acknowledge a debt with a
collector or agree to any payment until the agency "validates" the debt (past billing stmts are not proof).
- Don’t accept credit card “offers” that come with an offer for settlement or request a payment in any other way
- Monitor your own credit report – call 877-322-8228 to get your free annual credit report (not available yet in
some states). Go to www.annualcreditreport.com but BEWARE of imposter websites that are “phishing” to steal
your identity. Opt out of unsolicited credit offers: www.optoutprescreen.com (JDB’s use these to find debtors).
- Contact an attorney that specializes in lawsuits for FCRA and FDCPA violations
HEY "HELPER" OR "CON MAN" AS YOU ARE LEARN THE FACTS OF YOUR TYPE AND HOW IT ALL WORKS!
Agency Details
Cavalry Portfolio Services, LLC **
4050 Cotton Ctr Blvd
Phoenix, Arizona 85040
Phone: (602) 667-0128
Fax: (602) 667-0686
Web Address: www.cavalryinvestments.com
Phoenix Office
4050 E Cotton Ctr Blvd, bld 2
Phoenix, Arizona 85040
Phone: (602) 667-0128
Toll Free: (877) 222-8257
Fax: (602) 667-0686
New York Office
7 Skyline Drive
Hawthorne, New York 10532
Phone: (914) 347-3440
Toll Free: (800) 724-1757
Fax: (914) 347-1973
Tulsa Office
9522 E 47th Place
Ste H
Tulsa, OK 74145
Phone: (918) 665-5600
Toll Free: (800) 429-0535
Fax: (918) 665-5656
Saint Paul Office
408 Saint Peter St., Ste 210
Saint Paul, MN 55102-1187
Phone: (651) 287-2980
Toll Free: (800) 322-3323
Fax: (651) 287-2877
Bud Says...
CONSUMER WARNING: EXTORTION IS A FELONY IN ALL STATES.
IF A DEBT COLLECTOR ATTEMPTS IT, CONTACT YOUR LOCAL POLICE OR THE FBI. GIVE THEM THE NAME, PHONE NUMBER AND EXTENSION OF THE DEBT COLLECTOR COMMITTING THE CRIME.
extortion
n. obtaining money or property by threat to a victim's property or loved ones, intimidation, or false claim of a right (such as pretending to be an IRS agent). It is a felony in all states, except that a direct threat to harm the victim is usually treated as the crime of robbery. Blackmail is a form of extortion in which the threat is to expose embarrassing, damaging information to family, friends or the public.
See also: blackmail robbery theft
Trash, garbage, scum, liars, con-men, law breakers. There are not enough names to call this organization. Keep both hands on your wallet and watch your credit reports. These AZ & NY con-men will pick you clean and come back for more. Major FDCPA violators. If you are having a problem with them or their debt collectors, let the owners know about it. Contact:
Alfred Brothers, Exec VP
888-473-3581 ext. #1018
budhibbs.com
HEAD DEBT COLLECTORS:
Brian N. Winn, Lawyer, CA Bar #86779
Ralph L. Sims, Lawyer, CA Bar #83880
Bud Says...
Normally, a debt collection firm like this would only be a blip on the radar. They are your plain vanilla, ordinary every day debt collectors out to make some money. Until now, I have never even had a reason to collect data on them.
What brings them into my sights is the fact they have reduced themselves and their reputations by taking on accounts from one of the worst bottom-feeder illegal organizations in the country; Account Management Services (AMS).
AMS is the parent company for Lenahan law Offices, now Giove Law Offices/Collins Law Office/The Law Center/Empire Recovery/Harry Cohn Law Office/Jack Wolf Law Office, all under the direction of the notorious crime bosses Douglas J. & Jim Mackinnon, Mark Bohn and Robert Van De Mark of Buffalo, NY. AMS uses manufactured documents created in Rochester, NY by subsidiary; First American Investment Co., LLC, signed by Harvey Denis. Some even carry signatures by Niagara Falls (rent-a-law license) Attorney Rodney Anthony Giove. All are bogus, contain numerous lies, falsehoods and designed to give unsophisticated consumers the impression they are legal, when they are not.
In a desperate attempt to counter the more than million dollars in lawsuits they lost to consumer attorneys and others at Lenahan, all of the conspirators listed above, are again at work trying to scam consumers out of money in this latest con game. To aide them in their crime wave, they are enlisting the services of debt collection law firms around the country like Winn and Simms who were likely conned into believing this could be a lucrative collection deal…. it is not! Anything associated with AMS is infested with lies, extortion, fraud and total misrepresentation. They are the cancer of the collection industry, to be avoided by everyone, litigated by anyone and subjected to vast media attention.
The letters being mailed by out Winn and Simms state they are collecting for Account Management Services, a Buffalo, NY collection agency, owned by Mark F. Bohn. AMS has a VERY tainted reputation for lies, deceit, extortion and other illegal activity, not to mention all their legal problems, ad long list of unpaid bills and a long list of victims. They are the worst debt collectors ever to come out of Buffalo, NY, and owner Bohn is growing more desperate every day to collect monies from dwindling sources that get smaller daily.
Consumers are warned that Winn and Simms may be attempting to collect on debts that are likely bogus, time barred by statutes and may not even legally belong to AMS. You should NOT send Winn and Simms any money until/unless they are made to comply with federal law, the Fair Debt Collection Practices Act (FDCPA).You have the right to demand complete debt validation that should include the name of the original creditor, a copy of a cardholder’s agreement bearing your signature, an accounting of how they arrived at the figure claimed owed, legal documents that show AMS is the rightful owner, a detailed listing of items charged, and an accounting of how they arrived at the figure claimed owed.
As with previous dealings with AMS entities, expect to get a lot of threats, lies and double talk because they have been unable to produce these documents in the past. What they do produce is in-house manufactured documents that appear to make a lot of claims, yet are nothing more than lies perpetrated by a group of desperate con men selling snake oil. Harvey Denis, is the name seen most on their bogus affidavits, he is a liar, never to be believed, but soon to be deposed. It is sad that an organization like Winn and Sims has sunken so low that they need to deal with these sleazy creeps with the absolute WORST reputation in the America debt collection industry. I guess Brain and Ralph never heard that saying; “You are known by the company you keep.”
If you are contacted by Winn and Sims, I have good news for you; there are REAL lawyers out there who can assist you in dealing with them. Anyone receiving notices from these latest additions of bottom-feeder lawyers are urged to contact me for assistance and referral. Every account should be disputed, all calls should be recorded (where legal) and nothing these collectors say should ever be believed.
“Brain Winn and Ralph Sims, you can still claim back some of your (now) tainted reputation by washing your hands of this filth before it’s too late. Your continued association with AMS and the criminals associated with it will only harm you in the long run. Look what they did to the Lenahans; a million dollars in judgments, their reputations forever ruined, just like the lawyers before them. Is this what you went to law school for? To be associated with this trash, the worst of the worst in the entire nation, we thought you were smarter than that.”
Let’s hope Brian and Ralph are not blinded by the false promise of easy money and see that they may have made a mistake, which can be corrected. We will happily remove you from our site when that happens.
In the meantime, if they persist in pursuing consumers for money based on the lies and deceit of AMS and the whores who work there, let’s make them earn it by wasting as much of their time and money that is possible. If you are contacted by anyone mentioned here, I am here to assist you.
budhibbs.com
Quote from an attorney>
"However, working as a debt collector has never required much intelligence or social skills, so don't be surprised with the level of low life's the industry produces."
LMAO!
Success! Court Grants Motion to Vacate Default Judgment
Judge James A. Richman of the Alameda County Superior Court has granted my client's motion to vacate and set aside the default judgment obtained against my client by Cavalry Portfolio Services, LLC.
Cavalry filed a lawsuit through their attorneys, Winn & Sims, APC, and attempted to serve my client by dropping a copy of the summons and complaint with a clerk at a UPS Store where my client was renting a mailbox at the time, and then mailing a copy of the mailbox. My client never received either copy of the summons and complaint, and did not even know about the lawsuit until notified by his employer that a notice of garnishment had been received (debt collectors generally cannot garnish wages prior to obtaining a court judgment).
The court ruled as follows:
The Court finds that service of the summons and complaint on Defendant was invalid, because of failure to comply with the requirement of Code of Civil Procedure section 415.20(b) that substitute service is authorized only "[i]f a copy of the summons and complaint cannot with reasonable diligence be personally delivered to the person to be served...." Plaintiff does not provide any evidence that it attempted to locate an address where Defendant could be personally served. Further, the Court notes that Plaintiff did not provide any evidence that the address at which it purported to effect substitute service on Plaintiff was a valid or current address for Defendant.
I approached Winn & Sims about stipulating to vacate the default, but they refused and fought the motion, and lost. My good friend and amazing consumer advocate Bud Hibbs (not surprisingly) has some information on Cavalry Portfolio Services and some information on Winn & Sims. On to the next battle.
To the Cavalry workers...
Can you respond my question??
how can you say I have debt with you if these accounts were opened 3 years before I moved to the US?
I never lived in this country before, or had SSN... So?? I want to understand.
You are saying that "We don't pay our bills..." Hell NO!!!! I won't pay for something is not mine.
They won't respond. All you have to do is read the above posts and you will realize who you are dealing with. Simply dispute your credit report info that was illegally placed upon your credit. Remember "nobody can place inacurate information upon your credit". Doing so can result in you litigation against them. TAKE ACTION NOW!
MUST READ ARTICLE!!!!!!!!!!!!!!
Sleazy new debt-collector tactics
http://articles.moneycentral.msn.com/SavingandDebt/ManageDebt/SleazyNewDebtCollectorTactics.aspx
http://articles.moneycentral.msn.com
/SavingandDebt/ManageDebt/SleazyNew
DebtCollectorTactics.aspx
you may have to type into your address bar. need help just ask
"Cavalry Portfolio Services", "Calvary Portfolio Services", "Cavalry Investments, LLC" or what ever else they may be going by today has posted several inquiries on my husbands credit and say it is within their rights to inquire as often as they like. What about our rights? They have also put this debt on his credit report as a new account(6/17/2006) when in fact this happened about 6 yrs ago and we were never notified by ANYONE that we owed anything. They won't or can't send documentation of this debt or the correct amount (if there even is one) and they keep changing the amount on the report. I am in TN. if anyone can help plese do.
"Cavalry Portfolio Services", "Calvary Portfolio Services", "Cavalry Investments, LLC" or what ever else they may be going by today has posted several inquiries on my husbands credit and say it is within their rights to inquire as often as they like. What about our rights? They have also put this debt on his credit report as a new account(6/17/2006) when in fact this happened about 6 yrs ago and we were never notified by ANYONE that we owed anything. They won't or can't send documentation of this debt or the correct amount (if there even is one) and they keep changing the amount on the report. I am in TN. if anyone can help please do.
DO NOT PAY THEM! DO NOT! YOU WILL RENEW THE 7 YR DELETION FROM YOUR CREDIT.
ALSO> STATUTE OF LIMITATIONS IN (IN YEARS)FOR TN
Open Account: 3
Written Contract: 6
Domestic Judgment: 10
Foreign Judgment: 10
DO NOT PAY THEM! CHECK THE AGE OF THE DEBT. AND PLAY DODGEBALL WITH THEM IF ITS CLOSE! DO NOT ACKNOWLEDGE ANY SS#, ADDRESSES, PHONE NUMBERS ECT. NEVER! NEVER ACKNOWLEDGE THE DEBT! WORST CASE SENARIO YOU WILL HAVE TO WAIT OUT THE 7YR. TIME FRAME FOR REMOVAL FROM YOUR CREDIT. BIG DEAL! I ALSO WORK AS A LOAN OFFICER AND MOST CREDITORS ONLY LOOK AT THE LAST 2YEARS WITH EXCEPTION TO BK's AND REPO's. AND EVEN THOSE SOMETIMES ARE NOT THAT BAD AFTER 2 YEARS. YOU ARE FINE! DON'T PANICK! IT IS EASY!
READ THE ABOVE POST ON THERE TACTICS TO RENEW DEBTS.
RIGHT THEM A LETTER AND FORCE THEM TO REMOVE IT OR THREATEN LAWSUIT. THEY ARE REQUIRED TO "REPORT THE DEBT FROM THE TIME THE DEBT BECAME DELINQUENT BY LAW". GO TO THE FCRA (FAIR CREDIT REPORTING ACT) AND READ THROUGH THE LAWS. I BELIEVE IT IS ALREADY POSTED ABOVE. EASY LAWSUIT AND/OR REMOVAL. NEED MORE HELP JUST ASK!
WRITE* SORRY
The actual
date that the debt becomes delinquent is supposed to be reported under FCRA. Re-aging is the practice of
reporting a bad debt account as more recent than it really is. Re-aging causes the FICO score to drop
dramatically since the scoring model interprets the re-age as a more recent default. JDB’s press for
payment of some amount to bring the debt back under the statue of limitations after which they can sue
you and have a chance of winning.
DO NOT RENEW IT! SUE THEM AND WIN!WRITE THEM A CERTIFIED LETTER THREATING THEM WITH LAWSUIT IF THEY DO NOT REMOVE THE ILLEGAL REPORTING UNDER THE FCRA. IF THEY DON'T SUE THEM AND WIN!
I was very surprised to receive letters and phone calls from Calvary about a Sprint account that I never had. From all the posts made, I can see that they like to target people who at one time or another, had Sprint. Or in some cases, even those who didn't. To the bill collector, if the bills are real, then under the law you are entitled to collection action, but even then there is no reason to be so terrible. Please don't insult the Christian faith or God by calling yourself a Christian. Christians certainly do not present themselves in that fashion or act so coldly to another person. There are no pictures or scriptures in the Bible with Jesus cussing or insulting people. You certainly seem to be of the mind that all people are guilty until proven innocent. I am not perfect either but in case you don't remember the credo, you're supposed to help people, not kick them.
I feel sorry for you, you seem bitter. I hope your life improves so that you can portray yourself properly.
Well, Religion and Debt are not on the same page but I do understand your frustration. I do not understand why you would bring the two together. There is another blog for religious fanatics somewhere I am sure. There are a lot of different personalities in the world. Thats what makes us unique as individuals. I myself hate bill collectors and their ways of doing business. I also dispise people who hide behind there religion. You don't do you? Because it sounds like it. Just my opinion. You sound like a Democrat to were you want things done nicely, as in negotiation. Good way to get destroyed! Understand?
Deal with the enemy more harsh than the enemy deals with you. Follow that and eventually you will prevail. Collectors are enemies. Why? Do your research or lose. Nice guys finish last in this small world! Good Luck. Just keep religion to religion and business to business. No? Get ready to lose everything you worked hard for. Bye now.
Bill collectors are not "entitled" to collect anything. They can take their entitlement and pound sand! You are only entitled to breath the same air. Its to bad we have to share it with you though. Scum and honest people don't mix. Grease monkeys!
seriously. a lot of collectors don't like their jobs. they don't get annual raises. they don't appreciate calling up people who want nothing to do with them. this isn't debt collector (individual) v. debtor. they are of the same. some people make sacrifices to pay thier bills. debtors sacrifice 8 hours out of thier day to get sworn at, thier life threatened (over a cellphone bill), hung up on, &c...
so while a debtor can threaten, swear, hung up, threatened legal action (company states clearly that they will not defend thier own employees) to the collector -the collector would lose thier job and possibly get a personal lawsuit. all this, just to make that $12 or so an hour.
a lot of collectors did not choose this by choice, more for neccessity to pay thier own bills (which they, themselves got 'beat up' for).
Believe me. The issue here is not the collector or even the collection agency. The responsiblity is shared with the one who is contractually liable & the issuer of the credit or services.
Buying debts (in ancient times, Bill of Sales) is nothing new. It has been going on for centuries.
It is just unfortunate that this society is full of hyper consumption & entitlement. Coupled with a lack of integrity from the leaders of our country. Makes this a spend now and if times get bad, walk away system.
Trust is everything. If you know you owe the bill. Pay it for yourself so that you can release yourself from the prison of guilt. If you think you got billed unfairly, then be reasonable with the collector. Remember that you are asking them for a favor. Don't hang up. Don't say "F*** You! Your an A**hole! If you call again, I'll Kill you and your family!" Rather say, "I feel that I owe $50 instead of $78.63 on this Sprint bill. This is what I am willing and able to pay.
Now, if you are in the unfortunate circumstance that you feel that your identification is taken. Well, file a police report or notify the credit bureau reporting companies (equifax, transunion, & experian).
It's just money people. Just money. That is all. It's not worth HATING PEOPLE OVER. It's not.
We all are from the same country that decidedly choose to not teach us basic financial principals at an early age. If we did start saving earlier and made the wise financial decisions (and our parents before us), we wouldn't be either a debtor or a debt collector. Both very undesireable roles.
Just stop the Scarcity Mentality. Money comes and goes. Just pay if you owe. You can only do what you can with what you got. Everybody knows that.
The more you push, the more they push back. Before you know it, you can't trust anyone. And trust is the basis of all relationships.
Go ahead, keep your money. I don't care. Nobody cares. You are putting money before your own integrity. Integrity, in case you forgot, is the value that you put on yourself. Believe it or not, by sleazing your way out of a bill (let's say $5,000...), you are saying in essence that $5,000 cash is worth more than what you feel that YOU are worth.
In ancient times, a venture capitalist would seize this opportunity and pay your debtors all that you owe for your lifetime of slavery. Even if you owed $160,000 and were 35 years old. 30 years of slavery would equate to $5333 a year (w/o adjusting for inflation, getting smaller each year). And slaves work 12 or more hours a day, 7 days a week. Thus equating to less than $1.22 an hour (and getting smaller each year). Is this what you are worth? $1.22 an hour at 2% inflation (over 30 years) your last year of work would be making 66 cents an hour.
My point is, don't be rediculous. We are given 2 things in life. Resources and Intuition. If you have an able body, intuition/common sense states that you should probably find some job and start working. Don't let your pride get in the way of you finding a job that isn't in your 'set' career path. Or refuse to work because you want to spite the bill collector or the faceless collection agency.
We all have seen people on the street begging for money. Even disabled people. I know they get thier mouths fed. Otherwise they wouldn't be hanging around. Don't tell me that you aren't able to beg for money either from strangers, friends, family, or the church. Because everytime you get your foodstamps or welfare or disability checks you are essentially begging the government for money. And those tax payers are strangers. You can beg for money on the streets. You can if you needed to . And I can bet you'd get more than 66 cents an hour.
In the Saint Paul office don't talk to Doug Gillman.
He is not a statesman nor a gentleman.
I bite my thumb at him.
Don't fall for this scumbag in the last couple of posts! NEVER PAY ANY BILL THAT THEY CAN'T PROVIDE AN ACCOUNT # AND PROOF THAT IT IS YOURS! NEVER! NEVER GIVE YOUR PERSONAL INFORMATION TO ANY BILL COLLECTOR! NEVER! NEVER PAY PAST THE STATUTE OF LIMITATIONS FOR THE STATE YOU LIVE IN! NEVER! REGARDLESS IF YOU OWE THE DEBT OR NOT! YOU ARE ONLY HURTING YOUR CREDIT MORE! IF YOU ARE NEAR STATUTE OF LIMITATIONS, RIDE IT OUT OR YOU WILL POTENTIALLY RENEW THE STATUTE OF LIMITATIONS BACK TO DAY 1. THEY HAVE "NO" LEGAL RECOURSE ONCE THE STATUTE OF LIMITATIONS RUNS OUT! NONE! LET THESE SCUMBAGS BEG. BUT WRITE THEM A LETTER DEMANDING "CEASE AND DESIST" OR LAWSUIT WILL BE FILLED. THE LAWS PROTECT THE CONSUMER , NOT COLLECTORS! COLLECTORS ARE FOUND AT THE LOCAL PARK PUSHING A SHOPPING CART WITH THEIR LIFE IN IT. DESPERATE PEOPLE TAKE DESPERATE MEASURES! THESE UNEDUCATED SCUMBAGS WILL DIP TO ULTIMATE LOWS TO STEAL A DOLLAR FROM YOU. DO NOT PAY THEM 1 RED CENT! NEVER EVER FEAR THEM! NEVER! YOU HAVE THE FEDERAL LAWS TO USE AGAINST THEM. EDUCATE YOURSELF AND LAUGH AT THEM!
http://articles.moneycentral.msn.com
/SavingandDebt/ManageDebt/SleazyNew
DebtCollectorTactics.aspx
Don’t Make More Mistakes!
Don’t pay one dime to a collection agency, file for bankruptcy, or pay
a service for debt consolidation.
If you do, or have, you wasted your money. There is no better time than NOW to finally get it right. Join the thousands of other people who turned their bad debt into profits and “Beat The Collector”!
Agency Details
Cavalry Portfolio Services, LLC **
4050 Cotton Ctr Blvd
Phoenix, Arizona 85040
Phone: (602) 667-0128
Fax: (602) 667-0686
Web Address: www.cavalryinvestments.com
Phoenix Office
4050 E Cotton Ctr Blvd, bld 2
Phoenix, Arizona 85040
Phone: (602) 667-0128
Toll Free: (877) 222-8257
Fax: (602) 667-0686
New York Office
7 Skyline Drive
Hawthorne, New York 10532
Phone: (914) 347-3440
Toll Free: (800) 724-1757
Fax: (914) 347-1973
Tulsa Office
9522 E 47th Place
Ste H
Tulsa, OK 74145
Phone: (918) 665-5600
Toll Free: (800) 429-0535
Fax: (918) 665-5656
Saint Paul Office
408 Saint Peter St., Ste 210
Saint Paul, MN 55102-1187
Phone: (651) 287-2980
Toll Free: (800) 322-3323
Fax: (651) 287-2877
Bud Says...
CONSUMER WARNING: EXTORTION IS A FELONY IN ALL STATES.
IF A DEBT COLLECTOR ATTEMPTS IT, CONTACT YOUR LOCAL POLICE OR THE FBI. GIVE THEM THE NAME, PHONE NUMBER AND EXTENSION OF THE DEBT COLLECTOR COMMITTING THE CRIME.
extortion
n. obtaining money or property by threat to a victim's property or loved ones, intimidation, or false claim of a right (such as pretending to be an IRS agent). It is a felony in all states, except that a direct threat to harm the victim is usually treated as the crime of robbery. Blackmail is a form of extortion in which the threat is to expose embarrassing, damaging information to family, friends or the public.
See also: blackmail robbery theft
Trash, garbage, scum, liars, con-men, law breakers. There are not enough names to call this organization. Keep both hands on your wallet and watch your credit reports. These AZ & NY con-men will pick you clean and come back for more. Major FDCPA violators. If you are having a problem with them or their debt collectors, let the owners know about it. Contact:
Alfred Brothers, Exec VP
888-473-3581 ext. #1018
budhibbs.com
I received a letter of collection from Cavalry stating that I owe $1094.08 to them that was originally owed to Sprint. I have never had an account with Sprint. My credit report does not show any unpaid debt. I called and the woman I spoke with said the account was opened in San Antonio and only active for 5 monthes. I have only ever lived in Houston.
It is obviously fraud. I get the feeling, however, that this is less the case of one person stealing my identity, than it is of some company who has some very unethical schemes in place stealing my identity to make money off of someone elses unpaid debt. From the comments posted on this site, it seems apparent that Cavalry is involved in some extremely questionable practices regarding the buying of debt. It is too much of a coincidence that several other posts on this site complain of debt originally owed to Sprint appearing out of nowhere. Why Sprint?
I suppose it's possible that those who are in the business of stealing other's identities happen to be able to open Sprint accounts under false names very easily. And I suppose it's also possible that the company Sprint does not investigate the true address of the person whose name the account is in, so any attempts to collect debt on their part are only made to the address under which the account was opened. In this case, the debt would go unheard of by the person whose identity was stolen until it was turned over to a collection agency which has more rigorous methods of collection. This all seems unlikely though. In any case, I am extremely wary of sending copies of my drivers license and social security card to this company as they have requested.
DO NOT GIVE THEM ANY OF YOUR INFORMATION! NEVER! CALL AN ATTORNEY! YOU NEVER EVER PROVIDE A COLLECTION AGENCY WITH YOUR INFORMATION! "THEY" "MUST" PROVIDE YOU WITH THE FACTS! DO NOT FALL FOR THEIR TACTICS OR YOU WILL END UP WORSE OFF!
For the supposed employee who stated that the Better Business Bureau had nothing to do with collection agencies take a look at this:
http://www.mnd.bbb.org/commonreport.html?bid=96005340&language=1
This shows that Calvary settled with MOST of the people who reported them to the BBB. Log onto you state's BBB website and you can look up Calvary Portfolio Services and they always come out with a black eye.
I just built this house a year ago and got a new phone number since I changed cities. I have been getting calls for some woman who had this number before me. My FICO score is in the low 800's - I usually pay bills EARLY. Why can't these people understand that they do make mistakes and come after the wrong person?
I think harrassing people all day everyday and getting negative feedback most of the time has made these people into hard hearted 'us against them' individuals. They have stopped wanting to work with people and just want to crush them - no matter if it's the RIGHT person or not.
It's very interesting that the majority (not all, but the majority) of people claiming to be employees of Cavalry are ignoring the fact that many of these posts say they are NOT the person that Cavalry claims owes the debt. You apologists continue to disregard those of us who clearly state they have the wrong person, state and ss# and yet continue to get calls. You just keep posting 'pay your bills.' LISTEN UP - MANY OF US ARE NOT THE PERSON YOU ARE SEEKING AND OWE NOTHING.
With your totally disprespectful and inane postings I can see why your company has such a bad reputation. If you doubt that you do, read over the 2 years of posting here AND check out the Better Business Bureau's webisite and research your own company.
You are pathetic for being so disrespectful.
Cavalry is just part of the herd of deep debt collection scammers. They take old debt they bought cheap that is always outside of any legal limitations for collection and harass and intimidate people into paying it.
In many cases the debt has all ready been settled they do not care.
In many cases they have the wrong phone number and continue to harrass you even after you inform them they do. (This is a crime btw, contact your attorney generals office).
"my husband works for cavalry portfolio" == "my husband is a criminal, but I still love him"
"However, working as a debt collector has never required much intelligence or social skills, so don't be surprised with the level of low life's the industry produces."
One perfect quote!
I recently learned that my credit score had declined from 741 in April to 680 now. I sent off for my free credit report and -- lo and behold -- a $185 debt to Cavalry Portfolio Services was reported to Experian in May. The original creditor is given as ATT Wireless. I have never had an account with them, and I have never received a bill or been contacted by anyone about this supposed debt. I had a similar experience involving Sprint -- they actually debited my bank account although I have never had an account with them either.
A few months ago I was thinking of selling my condo and buying a house. My mortgage guy ran my credit and I had a collections from Cavalry Portfolio for AT&T Wireless. I have never had an AT&T Wireless phone. I called on it and it actually was an old SBC bill that was mine. I had thought I had paid the final bill when I moved but I guess I hadn't. Since I owed the bill I wanted to take care of it immediately. It was only $200 so I authorized a check over the phone. BIG MISTAKE!!!! The amount was not deducted from my account as stated. I called them and they stated they had sent the check through. Two weeks later it went through. Then two weeks later it went through AGAIN!!!! I have called and called and they keep telling me the first payment came back NSF. I have sent copies of both cancelled checks and my bank statement clearly showing that it was not returned NSF. It has been two months and still no refund. Any suggestions???
YEP. I would first attempt to threaten legal action for illegally debting your account for more than they were authorized. Send a certified letter threating legal action if they fail to return unauthorized funds back to your account. (secret? File the lawsuit in the state you are in and force them to show up. They more than likely will not show. Ask for damages well beyond what you owed!)I would also contact your bank and dispute "ALL" the transactions they have made. If that doesn't work contact an attorney but I highly doubt you will have to. These pigs will squeal and you will get your money back. My opinion should work well. Try it! These pieces of shit will return the money if you use force and are not cowering down to them! GO GETTUM!
Cavalry called my home asking for a payment on a sprint bill I did not have, I have never had sprint, I asked to speak to a manager and was hung up on, when I called back I was told a manager was not available and one would call me back, that never happened, the next call came and I tried to explain that I did not owe this bill and the AO became rude and belligerent, I again asked to speak to a manager and was put on hold only to be "accidentally" disconnected, the third call I was ready, I tape recorded the conversation where, I believe, several fair credit reporting act laws were violated, when I informed the AO he was being recorded we were mysteriously disconnected AGAIN, go figure, the tape is currently in the possession of my attorney and we are waiting for a response from Cavalry, no answer yet, you would think they would be "Adult" about it and give some sort of response, or maybe they are just dodging my attorney? I say that if no one does business with these bottom feeders then they will have no money to keep operating, I will tell you if I did owe the bill I wouldn't pay Cavalry, I would pay sprint, or better yet make them sue you, then file bankruptcy it will cost them more.
THESE PEOPLE ARE DEBT SCAVANGERS AND ARE USUALY BRAKING SEVERAL FEDERAL LAWS.I HAVE FOUND THAT I LIKE BEING THE PLAINTIFF MUCH BETTER THAN THE DEFENDANT. WANT TO STOP THESE LOW LIFE TYPES? LEARN THE LAW. BECAUSE EVEN THE COURTS BREAK THE LAW ALL THE TIME PROTECTING THESE LOW LIFES. THE BEST INFO. I HAVE FOUND IS ON www.richardcornforth.com/ GET HIS BOOK "HOW TO BEAT UP ON DEBT COLLECTORS" AND MAYBE CONSIDER SOME OF HIS OTHER TRAINING. SCRIPTURES SAY "MYPEOPLE ARE DESTROID FOR LACK OF KNOWLEGE" BUT AT THE SAME TIME IF YOU OWE A DEBT TAKE CARE OF IT. BUT I DO NOT LIKE BLOOD SUCKERS. SIGNED DENNIS
Expired Statute of Limitations Notification Letter
Today's Date
Your Name
Your Address
Collector's Name
Collector's Address
RE: [insert account number or name of account or name of debt]:
Dear [insert collector's name or company name],
This letter is in response to your [letter dated xx-xx-2005] (copy enclosed) or [phone call on xx-xx-2005], concerning the collection of the above referenced [account or date].
I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practices Act (FDCPA) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statute of Limitations for enforcing this type of debt through the courts in (insert your state or the state in which the contract was signed) has expired. Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the "statute of limitations" has expired.
This letter is your formal notification that I consider this matter closed and demand that you, or anyone affiliated with your company, stop contacting me regarding this or any other matter except to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws.
Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation of the law and will immediately report any violations to my State Attorney General, to the Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself. Be advised that I tape record all phone calls and violations of the FDCPA can result in you or your company being personally fined up to $1,000 per incident.
(Sign above name)
Printed Name
It is ok, until the last paragraph. It is illegal to record telephone conversations in California unless you have the consent of the other party. You also cannot threaten to report someone to a prosecutor or regulator unless they comply with your demands. I would reword it to read as follows:
Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation of the law and I will take all appropriate legal action that is necessary to protect myself. Violations of the FDCPA can result in you or your company being personally fined up to $1,000 per incident.
I was refinancing my home and asked that the new mortgage company pay off all my debt as consolidation. When I received the check in the amount of 270.00 to Calvary Portfolio Services, I was very confused as to who they were and what I owed them 270.00 for. So after some research, I found out that Calvary was claiming that I had a collection account from AT&T Wireless. Crazy thing is, is that they were claiming a wireless phone collection under my actual house number (land line). Not to mention, I never owned an AT&T cell phone. So this was all bogus. After a few months of persistant phone calls the account was closed. I asked one of their employees to send me a letter stating that the account had been closed because I had been denied credit from several companies because of their inaccurate claim. Needless to say, I haven't received that letter yet and I am still being denied credit because they are still reporting this as a negative account on my credit report. All of you low-life idiots at Calvary, get a real job and quit trying to ruin other hard working individuals credit and screw them out of money that doesn't belong to you. May I remind you...WHAT YOU'RE DOING TO THESE INNOCENT PEOPLE IS AGAINST THE LAW!!!!!!!!!!!! I will be reporting you to the BETTER BUSINESS BUREAU ASAP!!!!!!!!!!!!!!GO TO HELL.
Don't F--- around with them. I fired off a letter to the FTC. They claim I owe a bill for services I never had.
wow is this 4 reals I have a so called account in collection aswell for at&t that i swear I never even had at&t service what can i do to fix this?
Oh my God! I can't beleive all of the people in my boat. Between Sprint and Calvary I have spent hours and hours on the phone trying to find a fax number to send proof that the debt had been paid in 2004. They do not want it to be paid I guess. I get people hanging up on me every time I call. Sprint was paid in full in 2004 and they have sent me to 3 different collection agenies. Anyone out there have a suggestion?
I work for Cavalry's NY office. I just started there, and while I don't make outbound calls, I still hate the job. It's very emotionally draining, especailly in cases of ID theft (I am a victim myself). However it pays the bills for now, and until something better comes along, I have to do what I have to do.
If it is fraud, order a fraud packet.
As for the original creditors... we don't have that info. IF you say you paid Sprint, give us documentation. We will work with you if you work with us
7:41 AM. That's when these jerks got my attention. I noticed that everyday my wife and I get a call from this 888 #. We are just about debt free and have been paying our debts very aggressively. So why would a collector be calling us? WRONG FRIGGIN' PERSON! Holy cow I wanted to snatch that guy by the neck.
However, tell them you are recording the conversation and start repeating their name and people ID #. It scares the hell out of them.
I am just curious about something. If this is such a "reputable" company that follows all the federal rules, blah blah, etc.......why are they not members of the BBB? Could it be that the hundreds of complaints against them made them ineligable for membership or was it that they know that their practices would not fall into the BBB's rules for membership? Things that make you go...."huh?"
wow, i just found this web site and it is very exciting, what's it like to not pay your bills, i guess all your comments explain that. how hard is it. most all companies take check by phone or cc,debit card, i hope all you people teach your kids better than your parents thaught you. lesson: pay your bills (like the other 75% of america that does and doesnt have these problems). by the law the law works in favor of good citizens, or dont pay your bills and all collection agencies will own the world and your pay check. GOOD LUCK DEADBEATS!
This post is targeted to the people that think we don't pay our bills:
I haven't posted in a while (my first post was august 3), but trust me when i tell you, the people on this site have a legitimate gripe. This is not a site where people who don't pay their bills go, this is a site where frustrated people go. Just to rehash my situation, I was being harassed for a bill that had already been paid in full, and it was negatively affecting my credit score (all done by Cavalry). as a matter of fact, now that I have had them removed from my report, my score has gone up 100 points, just because of Cavalry. This is not a joke or exxageration. Long story short, I had to get the bbb involved, and it did a world of wonder. They were able to help me resolve the situation, and correct my credit score. As i have stated before, I highly suggest that if you have a LEGITIMATE gripe, contact the BBB. They are there to help you, and believe me, they will. As for the person who refers to us as "DEADBEATS", you don't know me/us, so therefore, fuck you...
Agency Details
Cavalry Portfolio Services, LLC **
4050 Cotton Ctr Blvd
Phoenix, Arizona 85040
Phone: (602) 667-0128
Fax: (602) 667-0686
Web Address: www.cavalryinvestments.com
Phoenix Office
4050 E Cotton Ctr Blvd, bld 2
Phoenix, Arizona 85040
Phone: (602) 667-0128
Toll Free: (877) 222-8257
Fax: (602) 667-0686
New York Office
7 Skyline Drive
Hawthorne, New York 10532
Phone: (914) 347-3440
Toll Free: (800) 724-1757
Fax: (914) 347-1973
Tulsa Office
9522 E 47th Place
Ste H
Tulsa, OK 74145
Phone: (918) 665-5600
Toll Free: (800) 429-0535
Fax: (918) 665-5656
Saint Paul Office
408 Saint Peter St., Ste 210
Saint Paul, MN 55102-1187
Phone: (651) 287-2980
Toll Free: (800) 322-3323
Fax: (651) 287-2877
Bud Says...
CONSUMER WARNING: EXTORTION IS A FELONY IN ALL STATES.
IF A DEBT COLLECTOR ATTEMPTS IT, CONTACT YOUR LOCAL POLICE OR THE FBI. GIVE THEM THE NAME, PHONE NUMBER AND EXTENSION OF THE DEBT COLLECTOR COMMITTING THE CRIME.
extortion
n. obtaining money or property by threat to a victim's property or loved ones, intimidation, or false claim of a right (such as pretending to be an IRS agent). It is a felony in all states, except that a direct threat to harm the victim is usually treated as the crime of robbery. Blackmail is a form of extortion in which the threat is to expose embarrassing, damaging information to family, friends or the public.
See also: blackmail robbery theft
Trash, garbage, scum, liars, con-men, law breakers. There are not enough names to call this organization. Keep both hands on your wallet and watch your credit reports. These AZ & NY con-men will pick you clean and come back for more. Major FDCPA violators. If you are having a problem with them or their debt collectors, let the owners know about it. Contact:
Alfred Brothers, Exec VP
888-473-3581 ext. #1018
budhibbs.com
Cavalry is definitely one of the biggest - they are considered a whale in my book.
In a 2005 lawsuit against them, the complaint alleged that they have bought 13 Billion in bad debts.
Here is the article -
http://chargeoff.net/blog/2006/11/02/collecting-billions-cavalry-portfolio-services/
crazy
i'm currently in the military, and i had just recieved a letter from calvary for a debt that was mine from sprint from 2 years ago... i had paid it off last year through another collection agency. and i even called sprint and they had my blance at ZERO and only one collection agency listed and that agency WAS NOT calvary.
i STRONGLY agree that calvary is a FRAUD. i had called them and each time i spoke to different people and the information about when they 'purchased' my debt from sprint had varied between 2 different dates... the one date being 2 years ago and the other date being june 2006. now my question is how can that be and if they did 'purchase' said debt, then why weren't they also listed in sprints system? hmmm... yeah... so i called calvary again and told them that sprint said to call them... and they tried to tell me that they don't do that and that i had to provide proof that it was paid off... and i just kept repeating what sprint said that calvary can call them. i don't need the harrassment from them saying that i still owe when i know it was taken care of.
I myself work for a branch of Calvary in 3rd party collections. After sitting here for the past hour, reading these rants and rebuttals from both sides of the board, I have let it all sink in and would like to post a couple of comments of my own.
I'm sure everyone knows, and can attest to the phrase "money makes the world go 'round". Let's face it, regardless of whether you're drowning in pools of debt or are one of the lucky few with an unlimited budget, money is still the driving force behind who you are, what you do and what you have for yourself in life. This is why credit is so important.
The point is, if you don't pay your bills, you will notice the effect it has on your ability to access such luxuries as cars/loans/jobs/ homes..etcetc..
I've observed most of the comments as being complaints for harassing calls or being assumed as the debtor when in fact, you have a 'spotless credit'. If that is the case, I commend you; in a high power economically driven society, there are more then a few of us who aren't able to see a light at the end of our tunnel and fel helpless as we fall deeper into debt. I am a debtor, and working at a collection agency has given me a lot of insight into the fundamentals pertaining to credit. I am fresh out of university (((I'll give you all a moment to smirk at the fact I'm working for peanuts in an "entry level position". However, I have learned to roll with the punches. Like many, at a young age I signed up for a credit card, it was my plastic freedom (with its whole $600 limit..LOL)... 5 years of putting it off and avoiding the continuous collection calls, I was slapped with small claims court papers. At only 22 years old,having such a hit on my credit was definitely not a priority of mine. Thankfully my parents were able to help me out with the situation and I am now paying them back instead of the collections company.
I, like many, did not take responsibility for the contract I signed at 16 years old. I avoided the calls purposely because I too, being a full time student at that time, did not have the funds available to make payments. Instead of being mature and taking the proper steps to clear my debt, I cowered away, hoping it would just 'disappear'.
I think this is the mindset that many debtors have; that if you ignore a problem long enough, it will go away. When it comes to collections,it is highly unlikely that you will be able to discontinue activity unless a- the balance is cleared b-bankruptcy is filed or c-there is a legitimate dispute with the original creditor and your account is frozen for review. Regardless of how old the account is, or ho many collection agencies the account has been through, the money is still owed.
Here are my thoughts on the matter, and ofcourse, they are obviously my opinions only, as with every other post on this site. I fully realize there are people who will disagree, but let's keep the peace. It's my vent time..lol Ü
1. If you ARE the debtor
Please realize that the reason your account is in 3rd party, is because it HAS been through collections with other companies. This happened AFTER the original creditor tried but failed at receiving payments and making contact with you for their services offered to you as outlined in the contract that you signed. Fine print or not, it's still there. Telling a collector that you aren't paying a bill because of problems with the service or product at the time of having active service doesn't sit right either. Clearly it was up to you to call and dispute it with the company at the time. If they didn't settle with you, there was most likely a reason, probably to be found in the contract that you may just not have agreed with. So, out of ignorance and spite, started tossing the unopened but obviously financial related letters in the trash and ignored the over obvious collection number calls everyday.
Some have stated that they never received anything in writing or that when contacted, it's an old address on the account. Keep in mind, collection companies are not the CIA/FBI, nor can we see what you do on a daily basis. In turn, it was and is your responsibility to keep your creditors notified of an updates in your residence/location and phone number. There is no right to blame a company for inaccuracy in details that are up to you to maintain. Having an old address on an account or not receiving mail correspondance does not dispute the fact that the money is still owed; and had the payments to the original creditor been kept in good faith, this problem would not have occurred.
Ofcourse, there are always exceptions. If infact your current address is different from the one in the account, simply inform us and we will request a copy to be mailed/faxed to you.
As for those who are the real debtors complaining about harassing phone calls. It definitely is your right and your responsibility to investigate and become familiar with the laws appending to collections in your state. However, please keep in mind,collectiors are able to call every days once contact has been made. If you choose to ignore the calls or hang up without saying a word, you will hear the annoying ring of the phone and see the ever familliar/dreaded phone number on your phone everyday. This is legal; it is up to you whether you pck up or not. Whether it is an answering machine or a person at your household who answers, you won't receive another call for at least 3 days.
By The Way - We know how many times a specific # has been dialed, so screaming about how we've called a hundred times is not justifiable. The accounts are noted when contact is made, and obviously if you don't answer, the calls will come everyday. Infact, they can continue for years. Keep in mind at the same time, chances are, if you've let one bill progress into 3rd party collections, you may have other debts owing to other companies whom are also trying at their wits end to contact you.
Regarding the treatment you may receive from a collector. I will agree that yes, there are some bad apples out there and yes, I do come in contact with some once in a while. The company is able to weed these ones out before the routine 3 month probation is even over. Phone conversations are always recorded, if you are engaged in a conversation with an agent and you are clearly in the right..ask to speak to a manager, they can pull the tape and take steps necessary to discipline the agent. If you don't choose to act like an adult and do things in a respectable manner, it is true, you may not enjoy the collectors attitude. 3rd party collections isn't all light and fluffy. 3rd party collections is not customer service either. Customer service was your original creditor, customer service was the internal collections of your original creditor. If you expect to be treated like gold, you should have dealt with your problem before it escalated to the point of ruining your credit in an external collection agency.
Collectors are strictly trained and are well aware of boundaries and lines that are not to be crossed when it comes to dealing with debtors, whether they are irate or not. But I'm not on here to rant about the treatment I receive from debtors I'm speaking with. Names I've never even heard of before..lol and believe me, I have been told by those I contact and am actually able to speak to wthout being hung up on or cursed at to no end that I am a nice person to speak to. This is just the point, while there are some horribly rude/sarcastic collectors, there are still some that are human, and if you choose to engage in a polite, adult conversation, you WILL be treated well with an extra big helping hand.
My best advice for someone in debt dealing with continuous collection calls.
- just take a few minutes and talk to the person, chances are, they can and will work out a good settlement for you, or arrange a payment arrangement plan with you so that you don't have to pay the whole balance in a lump sum.
- if you sincerely don't have the money, how are you paying to survive. If you've exhausted all your means to obtain money to pay off your debts, perhaps you should consider claiming bankruptcy. It really isn't something to be ashamed of, it may be your best option. That, or seek help from credit counselling or whatever your typical bank would offer in that respect. Consolidating your bills is a good option. Have garage sales, take advantage of pawn shops, see if friends or family can help you..paying them back is better then having this ruin your credit.
- By doing the above 2, you are making contact with the company and delaying another call for 3 days. Whether you intend to pay the balance or not, keeping contact with the company when they call is beneficial.
Unless you send a specific letter to stop calls, they won't. The National Do Not Call list does not apply to collection companies either as they are not sales/telemarketing or solicitation.
While it is irritating to receive a phone call all you know is that it is regarding an 'urgent personal business matter', or whether the message is intended for your spouse and the agent will not tell you what it is about, this is not a bad thing. 3rd party disclosure is not legal. Divulging personal business matter, especially regarding financial topics, is against the law for collection companies to do. Instead of saying 'well if you don't tell me what it's about, I won't give him/her the message', just give it to them. They are perfectly able to call and give us authorization to speak to you, in which case, we are more then willing. Considering the rate of identity theft/fraud is increasing, you should feel glad that we are keeping your information secure from people other then you.
If your debt is on your credit, then the collection agency most likely has the ssn from the original contract. Don't be fooled, you aren't hard to find, nor is it hard to verify whether a 'wrong number' is actually a wrong number.
If you are the right person but you claim that the debt has already been cleared or you won a dispute with the original creditor, all we ask of you is proof. Responsibly, you would have kept the documentation to show this. All it takes is a simple fax and the calls will disappear. If you settled it up with your original creditor before you even started receiving calls, do not blame the collector. Your account is not chosen at random. The original creditor obviously didn't follow up with the account before turning it over to collections, it is not a collection companies fault.
It's simple though if you're so sure that the debt is not yours,or already settled.. all it takes is a simple fax of documented proof.
2. If you are NOT the debtor
Ignoring the phone calls or hanging up on them will get you no where. It may take a few times but telling us its the wrong number, does help. Keep in mind, your number is most likely a recycled number if this is the case and other companies may be calling looking for the same person. If there are messages left on your machine, call the number back and let them know it is a wrong number. Otherwise, unfortunately, calls will continue.
If you have the same name of the debtor and address etc, the account is obviously pointing towards you. All it takes is a little proof to get this cleared up, it may seem like an inconvenience for you, but a few minutes of your time will 1 -save you from continuous calling and 2-help in the search for the right person. Does this not sound beneficial to both parties, especially if you are innocent.
To the debt free ones who are feeling invaded or are victims of 'harassment' from collection comapanies or financial institutions of any sort. Please realize that you are a small majority of people that are not trying to avoid the calls, so when you do avoid them and/or be rude about it all, it creates suspicion. Don't hang up, don't scream, just be an adult and speak with some respect, we WILL clear it up. It really is unfortunate that those out there lying about wrong numbers, are also impacting the honest ones.
Just remember - all it takes a little proof, which shouldn't be hard to provide if it is the truth.
What disappoints me the most is seeing others degrade someone elses employment regardless of what field it is in. True, requirements fr call cntres are not sky high in attaining. But, a job s a job, and sadly that is one of the most common excuses from those avoiding their debts. There are people who tell us to get a better job or make remarks about what low lives we are as collectors. Those who live in glass houses, should not throw stones. We are trained to do what we have to do at work, I do not bring work home with me and work is not my life, so judgements of my life based on work are irrelevant. Be it an overwhelming salary or a minimum wage job, it's something. Either way we/you are all human beings trying to earn an honest living.
I understand there are debtors with legitimate reasons for not paying their bills, they are on assistance, they are sick, they broke an arm, they just had surgery. However, these were most likely not problems that would have affected your ability to pay for the service while you had it, otherwise, you wouldn't have signed the contract knowing you couldn't afford to keep up with payments. We all fall into hardtimes, at least speak to us so we can work something out with you.
...and the moral of my story is - Don't avoid the calls, whether it is your debt or not ...--
T
H
E N D
~boy was that ever a novel lol
To a Calvary employee:
I have a general question. Your company has not contacted me in any way shape or form, however, they have been pulling my credit report.
Any ideas?
To a Calvary employee:
I have a general question. Your company has not contacted me in any way shape or form, however, they have been pulling my credit report.
Any ideas?
-- By 'pulling my credit report', do you mean Cavalry is on your report?? If this is the case, perhaps you should get in contact with them and see what is going on. You wouldn't believe the amount of identity fraud that goes on. Cavalry would not have your SSN unless you signed a contract which required your SSN. There are methods to determine who's social it is, and many times, there are completely different names on the account. Are there other companies you are not aware of on your credit report as well? If so, you may want to look into filing a police report if infact your SSN has been used fradulently! Hope this helps...!
T
H
E N D =)
To a Calvary employee:
I have a general question. Your company has not contacted me in any way shape or form, however, they have been pulling my credit report.
Any ideas?
-- By 'pulling my credit report', do you mean you have noticed the company name on your report? If that is the case and you haven't had any correspondance with the company whatsoever, I recommend you find their number and give them a call to see what is going on. Identity theft and fraud are so common, it is a common trend with collection companys. Cavalry would not have your SSN unless it was on the account that was turned over to collect on, an account in which you would have had to provide an SSN for. These accounts are not chosen randomly. There are secrets to finding out whom an SSN number belongs to, so if you call to see why it is on your account, chances are, you may be a victim of identity fraud. I would look into filing a formal police report as well. Are there any other companies on your report you aren't familliar with? This may be a key indicator of fraud/theft as well! Check it out!! Hope this helps!
T
H
E N D =)
A few days ago we got a call from 888-845-0146. I was not surprised to hear from my wife that it was a collection agency, because we had received calls from two other agencies looking for Teck S. Lim. For the third time, we had to tell them that they had the wrong number. One of the other companies that called was First Performance Recovery. I can't remember the name of the other company. So if there are any prospective collection agencies out there looking for Teck S. Lim in the San Jose, CA area, YOU HAVE THE WRONG NUMBER!
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There's an easier way to get rid of them... It requires cooperation from a lot of people, though.
Next time you feel bored, call them up. Try to get to voice mail. Then put the phone down, and leave it there until the voice mail hangs up on you.
Getting calls from a toll-free number costs them money. Every time you call them, you cost them money for the call, and money for the person that listens to the voice mail.
If you REALLY want to hurt them, this is how to do it. Right in their profits.
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this Cavalry/Calvary company calls me every day, and completely fills my message machine to capacity when I'm away so i don't get my personal messages! Here's the best part, they continue to ask for someone I don't know, and who has never lived here, but just happens to have the same last name. For the first 10 or so calls, I told them that they have the wrong number, but it hasn't stopped the calls or messages. I put my number on the "do not call" list and they still call, and told me that list does not apply to them. This has now been going on for several months now. How can they be such idiots?
My Lord, I didn't know that so many people have had issues with these messages on answering machines, too! I have been gettting phone messages for someone who isn't at my number -- probably had it before me. I have called this number (888-845-0146) back at least three times to tell them that the person they are calling (I will not leave name for confidentiality) is not at this number. The person on the other line says they will "make a note".... then about 6 months later I ger another call!!!!!!! I decided I would help out these people -- who are now HARASSING me -- and look up this person's new phone number on the itnernet. But just for fun I decided to look up this 888 #. Well, the first hit is this website. These people need to leave me alone!!!!!!!!
888-845-0146 repeatedly call our cell phone for person who used to have our phone number six years ago ! they leave an automated message to call back yet do not answer their phone. they apparently dig up old debt/debtor information and harass whoever has the debtors old phone number.
we dont know how to get rid of these parasites short of changing our number.
Just for fun I've been calling their number, and then setting the phone down and walking away. When it starts making the 'fast busy' sound, I pick it up, hang up, and then redial.
I'd like to think that each time I do it, it costs them another $2 in phone fees and person answering time. So, if I do it 10 times a day, it costs them $20 that day just to deal with a phone with nobody on it. I could be wrong... it could be much more than that.
Regardless, when I get a phone call from them, I press '2' and put it on hold, then set it down. Then I call it back a few times, and set it down each time. I don't bother trying to talk to them. They don't listen to me, after all.
I suppose that if I do this enough times, then someone will finally realize that calling my number is costing them lots of money, and they'll stop.
I inherited a "bad" number from the phone company and the former owner "Linda" owes EVERYONE money (her high school daughter also skips school often, I have told them 100 times she doesn't live here). I have spent weeks telling every collection agency in the country that she doesn't live here. Surprise surprise, only 2 keep calling and one is Calvary. The rep asked me to "verify" my SSN, as one of the employees posted they did. EXCUSE ME? I am not Linda. I don't know Linda. I am damn sure not going to spew my SSN out to some stranger, especially after reading this. So I guess you can assume Linda doesnt answer her phone because she doesn't pay her bills. I am not answering anymore, and have changed our phone to only allow calls with an ID.
And in case the employees are interested: Not only do I pay my bills, but we don't even use credit cards. If we cannot pay cash, we don't buy it. I get my reports every year, and the only thing on there are my paid student loans. You can scream and yell about how people should pay their bills, but it seems to me that a good portion of these bills ARE NOT theirs!!! Maybe your company should spend some of your billions on a lawyer to sue Sprint for selling you fraudulent accounts!
FYI- I have been following these posts for quite some time ( i myself have posted several times, the first one being 8/3/06, starting with "now it's my turn") and, even though my situation with Cavalry has been resolved, still feel compelled to read the posts and offer advice when I can. I was able to locate the email address of one of the owners, Alfred Brothers. His info has been consistently posted by budhibbs.com (THX!!), and if you google his name, you should be able to find his email address. Anyway, I have been copying and pasting "employees" posts, specifically the ones where people are cursing, calling us deadbeats, losers, and things of that nature (all things they can't say on the phone to us), and letting him know that this blog exists, and this is the conduct his employees practice when not in the office. (smart move, jackasses, posting which office you work in) it might not even be read by him, maybe by some secretary, but, it's worth a shot. Not a single one of my emails has been returned, which means the box is valid, and I haven't received a response yet, which means they must not be pissed yet. Give it a shot, it might be worth it. BTW, I love the phone trick that some of you have been doing. I wish I would have thought of that when they were calling me!!!! Good Luck to all, and remember, if you have a LEGITIMATE gripe, your best friend is www.bbb.org. They will help you more so than the FTC and local Attorney General. At the very least, they will launch an investigation, they will contact Cavalry, and they will get back to you. Trust me, been there done that
TELL THESE MOTHERFUCKERS TO GO FUCK THEMSELVES! THEY ARE WORTHLESS AND NO THREAT! RESEARCH YOUR RIGHTS! THEY HAVE NONE! YOU DO!
Agency Details
Cavalry Portfolio Services, LLC **
4050 Cotton Ctr Blvd
Phoenix, Arizona 85040
Phone: (602) 667-0128
Fax: (602) 667-0686
Web Address: www.cavalryinvestments.com
Phoenix Office
4050 E Cotton Ctr Blvd, bld 2
Phoenix, Arizona 85040
Phone: (602) 667-0128
Toll Free: (877) 222-8257
Fax: (602) 667-0686
New York Office
7 Skyline Drive
Hawthorne, New York 10532
Phone: (914) 347-3440
Toll Free: (800) 724-1757
Fax: (914) 347-1973
Tulsa Office
9522 E 47th Place
Ste H
Tulsa, OK 74145
Phone: (918) 665-5600
Toll Free: (800) 429-0535
Fax: (918) 665-5656
Saint Paul Office
408 Saint Peter St., Ste 210
Saint Paul, MN 55102-1187
Phone: (651) 287-2980
Toll Free: (800) 322-3323
Fax: (651) 287-2877
Bud Says...
CONSUMER WARNING: EXTORTION IS A FELONY IN ALL STATES.
IF A DEBT COLLECTOR ATTEMPTS IT, CONTACT YOUR LOCAL POLICE OR THE FBI. GIVE THEM THE NAME, PHONE NUMBER AND EXTENSION OF THE DEBT COLLECTOR COMMITTING THE CRIME.
extortion
n. obtaining money or property by threat to a victim's property or loved ones, intimidation, or false claim of a right (such as pretending to be an IRS agent). It is a felony in all states, except that a direct threat to harm the victim is usually treated as the crime of robbery. Blackmail is a form of extortion in which the threat is to expose embarrassing, damaging information to family, friends or the public.
See also: blackmail robbery theft
Trash, garbage, scum, liars, con-men, law breakers. There are not enough names to call this organization. Keep both hands on your wallet and watch your credit reports. These AZ & NY con-men will pick you clean and come back for more. Major FDCPA violators. If you are having a problem with them or their debt collectors, let the owners know about it. Contact:
Alfred Brothers, Exec VP
888-473-3581 ext. #1018
budhibbs.com
Don’t Make More Mistakes!
Don’t pay one dime to a collection agency, file for bankruptcy, or pay
a service for debt consolidation.
If you do, or have, you wasted your money. There is no better time than NOW to finally get it right. Join the thousands of other people who turned their bad debt into profits and “Beat The Collector”!
i have never heard of calvary portfolio until now....when i had a credit check done 4 months ago they were nowhere on my credit report and now i have another copy of my credit report from my lawyers in control of my identity theft and they are suddenly showing up saying i owe them #309.00 but does not tell what i owe them for
oh yea i forgot to mention too that my social security card has been gone since feb of 2006 and the open date on this $309.00 debt is for march 2006. i have an idea who has my ss card though.
Well to answer that lady who said her husband works for calvary portfolio. Let me just say that I don't owe a bill and I investigated it and it took me nine months to investigate and nothing has been done. They are reporting to my credit report that I owe money and I can not right checks because of this and I have never had a bad check. I pay all my checks. Calvary is a fraud and they are a bunch of bull. They need to investigate before they accuse people. I have researched every information I have and it keeps leading straight to calvary and I have a copy of my credit report and they are on there twice and I don't have them bills at all. So I agree calvary is a bunch of bull and they are the worst company ever.
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