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:
1 – 200 of 545 Newer› Newest»As i type this i am going thru the same thing with Winn & Sims and bunch of blood suckers. I went to court, the judge said i wasn't given proper notice and took the matter of calendar. I guess i was supposed to file an opposition, what is an opposition? Anyway, a few weeks later i get more papers, minus the opposition, with a new court date. That's pretty sad, if that's all you can do after going to school for 4 years.
Bunch of ass holes.
I have an old Mobil debt--allegedly paid by an ex in--are you ready--1993--and this bunch of bloodsuckers are after me--FOR A 12 YEAR OLD mobil oil bill that I DON'T OWE--they are a product of BUSH'S family values culture--
I had a car with a finance company and the car was totaled in 1995. The insurance to my knowlage had paid the car off. As it turns out there was a balance of 33.00 owed. This Cavalry company now wants me to pay 188.00 which includes intrest. It is now 10 years later. This is the First I hae heard of this or I would have paid it 10 years ago.
Right now I am getting recorded messages from calvary and had to do some investigating just to find out that it was them. I'm afraid to call them back. I haven't heard on good thing about them so far.
Cavalry is a VERY BAD company..They called me about a debt that I owed to SPrint and I made a 100.00 payment over the phone..In return the interset on the account was to be frozen because I set it up were once a month they would take out 75.00 but they first had to send thepaperwork to me to get the okay...I have not gotten the paperwork yet and it has been about 3 months later...I have called and called and the person that handles the account NEVER returns my calls...I am on the phone right now with the company and I have been holding for 40 mins and counting...I hate this company..They are a poor excuse for a business...
My name is randy from Houston Texas. Sprint also turned two sprint accounts over to Cavalry for collections in my name as well. I have no knowledge of the sprint bills. I have disputed with everyone; however, the bad news is still on my report as my wife and I try to purchase a home, What do I do?
I received a new phone line and then the recorded calls started to come in from a Heather Kelly, after calling them back several times I guess they went home and I was given the opportunity to leave a message for Calvary Portfolio Services? This company needs to be reported.
I was a Marine serving overseas in a combat zone for 9 months in 2003. I left the payment of my Providian Visa card to my wife to take care of while I was away. Long story short, wife cheated on me the whole time I was away, spent all the money I was sending home on drugs and clothes, and I came home to nothing. Now Cavalry is harassing my parents for money because I don't have a phone line where I live. A $250.00 debt has grown to $746.00 debt. Thank you Cavalry for all you do for our men in uniform and compassion!
cavalry i the worst company they have no reguards for the fdcpa they should be shut down by the fcc their collectors are allowed to break the law and people are threatend for law suites that never happen .
I have had a recent problem with them. I paid an AT&T bill to AT&T. A month later i got a collection bill from cavalry. The only way to solve it is go to www.bbb.org it's for the better business bureau. They can work numbers. Now i have them kissing my ass!
I need you all to know something....cavalry is a bottom of the barrel collection company but they are feeding off of peoples ignorance about the law. Each state has a statue of limitations on debt collection. For example, an open end account, which is like a credit card in PA the company has to charge off your account after so many months of inactivity. Once that happens the clock starts. In PA there is a 4 year statue of limitations. You do not have to pay that debt after 4 years. These companies buy these from the person you owe the debt to for a very small amount then try to get the full amount from you!!!! Please know your rights. Each state has a different statue of limitations and you can find them on the web by doing a search. They are trying to collect a debt from me from 12 years ago and I told them the law and requested that they don't call me back and they started yelling at me. If they call again I will turn them into consumer relations for harrassment.
I started receiving phone calls from "Heather Kelly" at Calvary Portfolio shortly after getting a new phone number. I'm asuming the last person who had this telephone number owes someone some money, because I sure as hell don't. I have spotless credit.
Anyway, I decided to have fun with Cavalry owing to their incompetence, and I would encourage you to do this too: Call 1-888-568-0073, and you'll often get their voicemail box. Leave a funny and insulting message, and then you'll have the option to leave it a BUNCH of people's voicemail boxes. Just press "#" on your phone and you'll get their telephone directory. You can search for group voicemail boxes.
This company HAS to be incompetent if their voicemail system is so easily hacked.
Here is the number to Calvery Portfollio as follows:
1 800 724-1757 or
1 877 222-8257
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-
they got me with sprint. originally the bill was 59.00 through many contacts with sprint and the bill changing hands 3 times i was not able to catch up with them, now in the hands of Cavalry (Ruthless services) im fighting a 4 year old battle concerning early termantion fees..and a bad credit mark God help anyone facing Cavalry
TO THE PERSON WHO SAID WHAT FOLLOWS BENEATH THIS IN SMALL CAPS-- YOU REALLY SHOULD NOT BRAG DUE TO THE FACT THAT THE COMPANY LIES AND THEY ARE A JOKE, AND "AGENCIE" IS SPELLED "AGENCY" SO I GUESS YOU ARE IN THE RIGHT FIELD, STUPID IS WHERE STUPID WORKS.
MAY GOD HAVE MERCY ON YOUR SOUL.
AS FAR AS DEBT COLLECTIONS AS A JOB NOT A CAREER IT IS A BENEATH ENTRY LEVEL POSITION SO YOU ARE NOT SAYING MUCH ABOUT YOURSELF OR YOUR HUSBAND AND EITHER JOBS EXCEPT THAT CHANGE WHEN YOU CAN GET IT AT ANY COST IS FINE BY YOU. SO YOU TWO MUST LIVE IN A TRAILER!!!!!
ME AND MINE WILL PASS ALONG A PRAYER FOR YOU BOTHERSOME BILL CALLERS.
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-
4:28 PM
Mrs. and Mr. Debt Collector,
First of all I am not stupid nor lazy. I have spotless credit also but when I was in college a credit card company decided to give an 18 year old college student with no job a credit card. Needless to say I had to chose between eating or paying the credit card. You are an uncaring cold harded b*tch. Most debt collectors are. I am sure that everyone on here is a hard working adult that at one time made a mistake or two so who are you to judge? I'm sure you have made a mistake in your life so don't pretend to be better than everyone else. People like you make me sick. I too at one time was a debt collector but I was patient and caring. I collected over 1 million dollars in 6 months from past due accounts. Now I help people for a living and it is so rewarding instead of praying on people that are down in their luck.
like i said before you little people can say whatever you want, and tell me that may god haver mercy on my soul and such. Thats fine because your words mean absolutely nothing to me and thank you for your prayers i think thats just so nice of you to do that. And if you have spotless credit then good for you! Its just that there ARE some people who take their credit situations & bills as a joke & the to the person who said that they would be prayin for us. You can degrade me all that you want with your comments about how i live in a trailer which i do not, and that im stupid, which i am not, my job is a career and i make a lot of money doing it. You are jealous thats all there is to it and you are mad because you read my comments and didnt like them thats why you are trashing me with your nonsense, keep on trashing me thats fine, because only i know the truth about my life and my situations not you, you never will. So you can keep saying and typing your nasty comments about me and such. Thats fine too, because i dont care. I dont care at all. God will have mercy on my soul because i am a christian who is going to heaven this i know for sure. You shouldnt talk about what you know nothing about. And if my incorrect spelling offends you too bad. Nobody is perfect not even you. Thats for sure. So type what ever you like, say whatever you want. I DO NOT CARE. GOD WILL BLESS ME AND MINE FOR ALL ETERNITY.Good day and God bless!!!!!
"I dont care at all."
Hmmm, I think you might be lying (or fooling yourself), otherwise you wouldn't keep coming back. :)
whoever's husband works for portfolio services and calls yourself a christian is lying to themselves no person concerned with humanity and the decent people left on this earth would post such a cold hearted reply to people's frustration and obviously true experiences with this company. one day the shoe may be on the other foot and that is the best lesson you could recieve. do so soul searching lady because your are wrong and cold and we all not that a cold unforgiving heart is not one of a christian. good day!!!!!!!!
I received a collection bill on an AT&T wireless phone which I paid in 2001 in full. I even have a letter from the company that states it was paid in 2001 in full. I faxed it to this inept company twice and they are still trying to collect. They are impossible to deal with and will not coperate. I asked them to fax me a letter stating they received my documentation and they refused. They are screwing my credit on an account that was paid over 4 years ago and have the documentation that states that and they are still persuing it. I spoke with my lawyer and am thinking about sueing them for their dishonesty and corruption. Things like this ruin your credit and cause monetry and mental damage. If I can't get a car loan, house loan, any loan or even a job because everybody checks credit they are responsible for this personal damage. So please if any one thinks they have a good case answer to my post and I may form a civil lawsuit. Thanks!
Someone said that their husband works for Cavalry and that we are a bunch of whiners ... Well they just called me to pay a bill of $1154.56 to Sprint. I have NEVER had Sprint services. I pay 100% of my bills on time. We have never lived at the previous address that they had for us. This is absoutely not a bill that we owe! We did not incur this debt. All I can say is that this is FRAUD.
Today, June 8, 2005, my father who is 84 years old, received a call from David at Calvary Portfolio. He proceeded to tell my father that he did know a Keith A.... He called back twice more, even though there is no such person at this address. He called my father a lier and insisted that both of us knew this Keith person. I think that Calvary just goes through the phonebook and calls anyone with the same last name. It sounds like most of you got called because of a Sprint phone. I have never used Sprint and certainly won't now!
To the wife of the Calvary collector...There are too many complaints for this to be just a coincidence. I go with the majority...Calvary is an unscruplulus (sp) company. I have reported them to th Better Busniness Bureau!
As for me I have NEVER had a Sprint Account. I pay all my bills on time.
I dont know why my I am getting these calls and what for?
Who is this Cavalry Portfolio Services?
They cannot call and harrass me for a debt that is not mine.
I keep getting these pre-recorded messages left on my home phone from a lady called HEATHER KELLY. This is harrassment.
I just did a Google search on that phone # that is left on my voice mail 1-888-568-0073 and stumbled upon this page here.
I also checked them out on the Better Business Bureau web-page and I have learnt that they have had several complaints filed against them.
Now, I know I am not the only victim
I am reporting the matter to Better Business Bureau as well.
Oh my God I hate these people! I have left message after message asking them to stop calling and Heather just keeps on leaving those damn messages! I am following your lead and contacting Better Business. They have pushed too far!
All of you sound like you could use some help (especially Mr. and Mrs. Debt Collector---jeez!).
Read the Fair Debt Collection Practices Act:
http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm
Also find your state's debt collection rules and read those.
Make sure to always, always, always get everything in writing and keep a record of everything (the messages they leave for you, their number on caller ID, etc.) If they are verbally abusing you, you should look into recording the conversation (check the law on this, though).
Also, another tip is to complain to the credit bureau. They have to respond to your complaint within 30 days, and they might be able to help you get this sorted out.
Good luck!
To the woman who claims that her and her husband ar edept collectors. STUFF IT! I settled with Sprint over 4 years ago and have been contacted about this alleged "debt" I owe. They say I have to settle it with Sprint.
I say BULL. It's not my responsability to contact anyone. My dept is settled and that is THAT.
So lady...take a hike and your hubby too...
Today June 13, I received a very scary phone call, they were asking for my husband and would not give me any information of where abouts they were calling from. This man only wanted me to write down a number and to relate the message to my husband to call back before 10 pm tonight because if he did'nt, they would take legal action against him. Of course this really made me nervous. I am very sensitive to stress and being diabetic it affects me. My husband and I have triyed calling them A.S.A.P. but no luck. After finally understanding the pronounciation of the voice mail, I decided to do some research over the internet, and what a surprise! I read all your guys comments...what a bunch of @#$%$#^, I will immidiately go to the our local credit bureau and do some digging my self. And if these buch of assholes are trying to darken our lives with their bunch of BS, I will take my self LEGAL MATTERS! God Bless you all and thank you for putting up your comments (leaving out the stupid family that works for these fools), this will surely help us tell them off when they call again!
To the person that posted the comment about Calvary threatening Legal action. It is illegal for any collection agency to threaten anyone with imprisonment or anything of that nature. You may want to contact the trades commission and another website that you may want to check out is Bud Hibbs. I went through a similar situation with a different Collection agency. They went as far as impersonating a law office and said they were affiliated with the FBI and that If I did not pay a certain amount of money by a certain timeline that they would arrest my husband. Well after I got done with the BBB and the Federal Trades Commission as well as contacting the Florida Bar association to verify whether or not the man that called me was a lawyer practicing in the state of Florida that company has never bothered me since.There are a lot of collection companies that have lawsuits against them for practicing illegal means to gain payment.It is also illegal for them to call after a certain hour and they cannot call your place of employment if they know that your employer does not approve.They cannot discuss your account with anyone else either other than the one that supposedly incurred the debt. And they cannot force payment out of anyone other than the debtor.
They are calling different members of my family threatening them that they need to get in touch with me. When we call them, they never return our calls - who the hell do they think they are???
I checked my credit report and found a cavalry portfolio service on in delinquent, and I didnt know wh they were, My credit score went from a 760 to a 693 because of this for , get this $ 19.00, I called them and they said it was a Union 76 card, I have never been late or missed any payments , ever, they looked into it, and said it was when Conoco bought Union 76, and in between the merge they took all balance due and gave them over to them for collection, even though they were never late or in bad standings. So I called then and got a Jonathan on the phone at 800-724-1757, he looked into it and said he would call all three credit companies and take it off, the thing is I never got a call or a letter from this Cavalry, so I never knew and in the mean time it affecteed my credit, that I worked hard to maintain, it has been three days and Johnathon still hasnt done what he said he would do, my next strp is contacting my attorney and suing both Cavalry and union 76, over a 19.00 mishap that never occured, come on 19.00, if I owed it I would pay it, but It is not even owed my balanc ewith Union 76 has always been in good standings for over 5 years, says so even on my credit report. So fight this company if it is a mistake, but if you owe it pay it.
to the person that their family members are being harassed by cavalry the one thing that I would recommend doing is sending them a Cease communications letter make a copy of it before you send it and send it certified where they have to sign for it verifying that they have recieved the letter and then if they still continue harassing you take it up with the Federal Trades Commission and even though someone may or not be a debtor if the collection company is in direct violation of the fair debt and collections act they can be fined for each occurence and could owe you money.
I work at Calvary Portfolio in Saint Paul, Minnesota.
I am reading your posts, and I have to say... you have the wrong impression of Calvary.
This place stresses legal integrity. There are many, many other collection agencies that would treat you a lot worse.
You realize that everyone has a legal right to dispute every debt that they have. If you don't owe the money, then you don't have to pay and the bad credit mark is erased from your score (see "Brady Bill"). If you do owe the money, then you should be paying what you owe. If there has been any kind of accumulated interest or fees, then as with any bank, you can negotiate and get some of those charges dropped.
Don't be mad at the company for doing thier job. They are trying to be a profitable business.
-however, if they harass you, or treat you with any kind of disrespect; then you need to ask to speak to a manager.
Where I work (Minnesota), it seems that everyone there is good stuff. You must be dealing with another branch (New York, Tulsa, or Tempe).
- And come on, let's be realistic. If you are going to complain about how collections are being done you should be reading up on the laws (FDCPA) which are made to protect the debtor (customer). If you don't like how it's done, then you should be writing to your representative to get the laws changed. Cavalry has a strict policy on following the laws.
-Seriously, if you find out that someone from the Minnesota office is harassing you; tell me. AIM: t3kn0ph1l3
I work for cavalry portfolio services in tulsa, oklahoma.
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.
Cavalry employees will never impersonate FBI or law enforcement as this is a violation of FDCPA.
Cavalry employees are taught to treat you with the utmost respect- but we realize that there are con- artists and ghetto people that are basically thieves. We struggle everyday trying not to insult and harass the eldery, SSI recepients and the disabled.
If you recieve a call then talk to the account officer- most will either work out a deal with you or disposition the account to make it go bye- bye so that our legal/ compliance office in hawthorne, ny can decide if it goes back on the floor or if they will pursue them after our ASSET INVESTIGATION the AO is doing while reviewing the available info.
We are not TELEMARKETING so do not call lists do not apply to us.
We are not harrasing anyone- if a debt is owed it is our right to collect it since we bought the right to do so. People who dont think so are acting like the neighbor who thinks you are harrasing him because you are wanting your lawnmover or tools back that he borrowed.
The assumption is-
1. If you dont answer the phone or return the calls after a couple of attempts then you probably know its a debt collector and are probably guilty
2. If multiple messages are left with a live person and you dont return the calls then you are not being an adult and being responsible.
3. We feel if we mail the paperwork for ACH or other agreement then it should come back within 72 hours by mail or fax- we can resend on request.
4. No mail PAYMENTS. "the check in the mail" excuse is always discussed in our training.
5. Work the negotiation- give the customer a great deal every time.
6. If a customer is 'jerking you around' you get it approved for legal. Maybe the customer will come back to the negotiating table if they get served? Doesnt hurt to try this...
Anyway, poss paid prior account? You need to be a responsible adult and keep all your paperwork and bill statements. If you sent us a statement, police report or any any docs we treat them like gold. Always fax these papers!!!
REMEMBER: You may be an ASSHOLE too if you talked to 2 good reasonable people all day and everyone else was an asnwering machine, screener or some 'jack'.
I have been receiving these phone messages for the last month and decided to investigate the number 888-569-0073 and "Heather Kelly". This is the only site I could find.
1. My husband and I have faithfully paid all our bills over the years (30) and have outstanding credit.
2. I will not return the calls ever. The previous message from an employee that people not responding because they owe is incorrect. I simply never respond to this crap.
3. We have NO outstanding debt to anyone. This company is in error. I have not ever received any notice through anyone about any debt.
I'm commenting here to simply add to leaving a trail of poor business practice by this company.
Does anyone know if contacting my phone company with harassment complaint by this company would be of benefit?
Im a Cavalry employee...
If you dont respond to our calls to at least explain yourself or resolve a dispute then you are not being a responsible adult.
I answer all my phone calls- I'm not afraid to answer my calls or return calls because I have grown up.
Police dept cannot help you stop any calls. Calling the phone company cannot help you. We are not telemarketers so "do not call list" does not apply. If you refer to attorney we will ask the attorney if "he is paying the bill for you".
You want calls to stop? Talk to the a.o. when he calls and explain the situation.
Fraud? Then you need to go to police station and file a police report. Ask a.o. for compliance dept number and order a fraud packet. Fill out fraud packet and place the case number in the paperwork. We will work with detectives to investigate fraud 'for you'.
Have you paid your debt off in the past? Get your paperwork and fax it to us or send it through mail where we have to sign for it.
Send written or faxed letters with all other requests or statements if you prefer not to talk directly with your account officer. Most letters will be read and filed directly by the a.o. in charge of the account.
This is 'not' a precise business- but if you dont owe it then as an adult you should 'prove it' and go through the correct procedures.
Running and hiding is not responsible. If you can post on here and 'tell it like it is' then give us a call back.
RE: Anonymous said...
I was a Marine serving overseas in a combat zone for 9 months in 2003. I left the payment of my Providian Visa card to my wife to take care of while I was away. Long story short, wife cheated on me the whole time I was away, spent all the money I was sending home on drugs and clothes, and I came home to nothing. Now Cavalry is harassing my parents for money because I don't have a phone line where I live. A $250.00 debt has grown to $746.00 debt. Thank you Cavalry for all you do for our men in uniform and compassion!
FILE FRAUD AT POLICE DEPT ON YOUR EX. CONTACT CAVALRY FOR FRAUD PACKET.
CONTACT CAVALRY BY MAIL OR BY PHONE OR HAVE YOUR PARENTS CALL AND STATE THAT YOU ARE NOT AT THAT ADDRESS.
CAVALRY DOES NOT DETERMINE INTEREST- THE SMALL PRINT ON THE FORMS THAT YOU PEOPLE SIGN UP FOR ON CARS, HOMES, C.C. AND CELL PHONES DETERMINE WHAT THE DEFAULT INTEREST FEES AND CHARGES ARE. SO, IN THIS CASE THE INTEREST DETERMINED FOR YOUR DEFAULTING ON THE LOAN WOULD HAVE BEEN PUT IN TO ACTION ORIGINALLY BY PROVIDIAN.
CONTACT CAVALRY AND NEGOTIATE A SETTLEMENT BASED ON THE ORIGENAL CHARGED- OFF AMOUNT (ASK TO SPEAK TO MANAGER).
??? YOU DONT HAVE A PHONE BUT YOU HAVE ACCESS TO THE INTERNET ???
P.S. THANK YOU FOR DEFENDING OUR COUNTRY- THERE IS A FEDERAL ACT FOR MILITARY THAT CAN HELP YOU DISPUTE THE INTEREST.
re: Anonymous said...
Cavalry is a VERY BAD company..They called me about a debt that I owed to SPrint and I made a 100.00 payment over the phone..In return the interset on the account was to be frozen because I set it up were once a month they would take out 75.00 but they first had to send thepaperwork to me to get the okay...I have not gotten the paperwork yet and it has been about 3 months later...I have called and called and the person that handles the account NEVER returns my calls...I am on the phone right now with the company and I have been holding for 40 mins and counting...I hate this company..They are a poor excuse for a business...
THE PAPERWORK IS CALLED ACH.
THE PERSON WHO SET IT UP WITH YOU MAY NOT BE WITH THE COMPANY ANY LONGER BECAUSE THEY MAY HAVE MOVED ON OR NOT MADE IT OUT OF TRAINING.
CONTACT A MANAGER AT CAVALRY BECAUSE IF THE THE ACCOUNT OFFICER HAS LEFT THE BUSINESS THEN THE ACCOUNT MANAGER HAS INHERITED YOUR ACCOUNT.
CAVALRY WILL ALWAYS FAX THE ACH PAPERWORK TO YOUR NUMBER OF CHOICE- WE PREFER FAX TO MAIL SO AS NOT TO HAVE PROBLEMS LIKE THE ONE YOU HAVE MENTIONED (WHICH SOUNDS LIKE A BAD ADDRESS OR MAIL PROBLEM IN YOUR AREA)
RE: Anonymous said...
I had a car with a finance company and the car was totaled in 1995. The insurance to my knowlage had paid the car off. As it turns out there was a balance of 33.00 owed. This Cavalry company now wants me to pay 188.00 which includes intrest. It is now 10 years later. This is the First I hae heard of this or I would have paid it 10 years ago
IT IS YOUR RIGHT AND YOUR RESPONSIBILTY TO CHECK WHAT IS REPORTED TO YOUR CREDIT REPORT- IT IS NOW FREE AT ANNUALCREDITREPORT.COM ... CAVALRY SKIP TRACERS CAN ONLY DO SO MUCH BASED ON WHAT YOUR OTHER LENDERS REPORT SO THAT WE CAN LOCATE YOU.
IF YOU MOVE AROUND THEN THE MAIL MAY NOT GET TO YOU- BUT WE WILL ALWAYS ATTEMPT TO CONTACT YOU OR PUT IT ON YOUR CREDIT REPORT SO THAT YOU KNOW HOW TO CONTACT US.
RE: Anonymous said...
cavalry i the worst company they have no reguards for the fdcpa they should be shut down by the fcc their collectors are allowed to break the law and people are threatend for law suites that never happen .
CAVALRY EMPLOYEES ONLY MENTION POSSIBLE LAW SUIT IF AN ACCOUNT HAS BEEN 'APPROVED FOR LEGAL'. USUALLY THE CALL WILL BE MADE BY A MANAGER. BASED ON THE LAWS IN YOUR STATE, ASSETS AND THE STATUATE OF LIMITATIONS YOU MAY OR MAY NOT BE SERVED.
THIS IS ONE OF THE LARGEST DEBT AQUISITION COMPANIES IN THE WORLD. CAVALRY IS NOT ALLOWED TO BREAK THE FDCPA.
RE: Anonymous said...
I have had a recent problem with them. I paid an AT&T bill to AT&T. A month later i got a collection bill from cavalry. The only way to solve it is go to www.bbb.org it's for the better business bureau. They can work numbers. Now i have them kissing my ass!
UTTER NONSENCE- THE BBB HAS NOTHING TO DO WITH OUR BUSINESS BECAUSE PEOPLE WHO ARE NOT TRYING TO PAY THEIR BILLS REPORT TO THE BBB ALL THE TIME.
OKAY, LETS IMAGINE CAVALRY HAS 5BILLION AND YOU HAVE 60,000 IN ASSETS. I DONT THINK CAVALRY IS 'KISSING YOUR ASS'. NICE TRY!
RE: Anonymous said...
to the person that their family members are being harassed by cavalry the one thing that I would recommend doing is sending them a Cease communications letter make a copy of it before you send it and send it certified where they have to sign for it verifying that they have recieved the letter and then if they still continue harassing you take it up with the Federal Trades Commission and even though someone may or not be a debtor if the collection company is in direct violation of the fair debt and collections act they can be fined for each occurence and could owe you money.
TRUE. YOU CAN FAX OR CERTIFY MAIL A CEASE AND DESIST AT ANY TIME.
IF A CEASE AND DESIST ARRIVES CAVALRY WILL NOT CALL YOU OR YOUR RELATIVES.
CAVALRY WILL HOWEVER EXAMINE STATUATE OF LIMITATIONS AND DOCS- WE CANT CALL OR CONTACT YOU SO IT WILL RUSH THE FILE OVER TO THE LEGAL DEPT FOR REVIEW.
ITS YOUR RIGHT TO PROVE YOUR CASE IN FRONT OF A JUDGE OR ARBITRATOR. IF YOU ARE CORRECT THEN WE OWE YOU A APOLOGY. IF WE ARE CORRECT THEN THE JUDGE WILL SAY SO.
THESE ARE YOUR RIGHTS UNDER THE AMERICAN SYSTEM- FEEL FREE TO EXCERCISE YOUR RIGHTS!
Our answering machine has been getting calls from "Heather Kelly" every day for months on end. My wife and I screen our calls and we typically ignore calls like those from "Heather" since the person refuses to at least identify what company or organization they represent of even mention who they are trying to contact. I finally tried to call "Heather" back on Saturday to see what "non-business" information was so important and got her message that the number was for Calvary Portfolio Services. Gee the name sounds like an investment company to me so I was eager to call "Heather" back to inform her that we are on the do not call list and ask her to stop calling us.
I decided to do a Yahoo search before actually trying to contact "Heather" and I'm glad I found this site before actually calling Calvary back. My wife and I check our credit report on a regular basis and we are not aware of any outstanding debts we owe especially any more than a year or two old. If someone thinks we owe them money, they are more like to get a response by sending us a letter not some anonymous phone call.
I would speculate that these calls are for our cousin who lived with us for several months and used our phone number as a contact.
I just tried to go to www.calvaryportfolioservices.com to see if this so called company has a web site and access was blocked by my employers web filters. The kind of site they won't let us access are:
Anarchy
Criminal Skills
Cults
Drugs
Gambling
Hate Groups
Non-Company Provided Web-Based E-Mail
Obscene and Tasteless
Personals
Pornography
Proxy (eg, Anonymizers)
Gee, I wonder which category Calvary falls under......
COMPANY WEBSITE IS WWW.CAVALRYINVESTMENTS.COM ... YOU CANNOT ACCESS OUR COMPANY AT www.cavalryportfolioservices.com ..
ANSWER THE PHONE- EXPLAIN THE SITUATION (ALL YOU PEOPLE) AND IT BET THE CALLS WILL STOP IF YOU STOP SCREENING. NO CONTACT AT A CERTAIN POSSIBLE ADDRESS MAY PROMPT AN ACCOUNT OFFICER TO KEEP TRYING THE NUMBER FOR UP TO 6 MONTHS!
FINALLY, FDCPA DOES NOT ALLOW LEAVING ANYTHING OTHER THAN NAME, PHONE NUMBER AND GENERAL INFO SUCH AS "THIS IS NOT A SOLICITOR". BY FEDERAL LAW NO COLLECTOR CAN LEAVE ADDITIONAL INFO WITHOUT YOUR PERMISSION TO A 3RD PARTY OR VOICEMAIL DEVICE.
after asking repeated ly to be left alone and they called back telling me that my letters were never recieved .if the debt is in despute that should be all there is to it , but they want to play games on the phone and wonder why people yell and hang up on them and now harrass to point of calling back to get angrier even, sprint seems to be the main account for these people if i owed it i would pay but service was not provided. agreement was not kept by company there.calvary do your home work on your so called debts before you harrass people.
collect actual debts,not false contracts by sprint
I am 75, haven't driven a car in 20 years and Cavalry wants me to pay a MOBIL charge. I am reporting it to the Attorney General of my State, Attention Consumer Fraud Office. Every State has one. Let Cavalry explain this to them. This is a service few people take advantage of even though we pay for it in our taxes. I suggest you all do the same.
I don't know why I feel the need to add yet another case for the record here, but add me to the list of victims. I, myself, have a Sprint account in good standing. My husband has a phone on my account, which (need I repeat?) is in MY name. We have had this account for quite a few years. His name, however, was chosen in the infamous Calvary Lottery and we began receiving "offers" to pay a supposed less than owed amount (because they are such angels of mercy?). I saw that the account they associated with this debt was Sprint (I hadn't paid any attention to whose name the debt was assigned just yet). I thought that it was odd to get a collection from Sprint when I hadn't noticed any discrepancy in the bill that I had paid recently. Long story short, they claimed that my husband had a phone with Sprint for 5 months. He has never had an account in his name. So now, they want us to prove that he didn't incur the debt. Just how exactly is that going to work? You can't prove a negative. Duh! The burdon of proof should be on them, since they want this money. Prove that my husband set up, received and used an account with Sprint. While you are at it, explain why, if he had this service for 5 months, did he never receive a bill? Never a late notice? Nothing from Sprint at all? Only, all of the sudden there is this collection action being taken? Prove it.
IM TIRED OF OLD PEOPLE SAYING THAT THEIR 60 OR 70 OR 80 AND THEY CANT PAY A BILL. HOW GOOD IS YOUR NAME AND YOUR WORD?
YOU WASNT 10 YRS OLD WHEN YOU SIGNED YOUR GOOD NAME AND GAVE YOUR WORD ON THE CONTRACT TO PAY AND RESOLVE IT.
WHAT HAS HAPPENED TO THE MORAL FIBER OF OUR COUNTRY?!?!
BY THE WAY- A LARGE MAJORITY OF THE OLD PEOPLE I KNOW GO TO BINGO, DRIVE BIG CARS, TAKE VACATIONS ACROSS THE COUNTRY AND HAVE BETTER CREDIT THAN ME, SO YOU CAN SHOVE THE 'AGE' THING.
B.T.W., I THINK THE ATTORNEY GENERAL HAS BETTER THINGS TO WORK ON LIKE THE DRUG PROBLEM AND COMPANIES LIKE ENRON AND NOT WORRYING ABOUT WHY YOU ARE NOT PAYING YOUR BILLS!
THANKS FOR 'WASTING' MY TAX DOLLARS ON YOUR CRAP!
RE: Anonymous said...
I am 75, haven't driven a car in 20 years and Cavalry wants me to pay a MOBIL charge. I am reporting it to the Attorney General of my State, Attention Consumer Fraud Office. Every State has one. Let Cavalry explain this to them. This is a service few people take advantage of even though we pay for it in our taxes. I suggest you all do the same.
A SOCIAL SECURITY AND AND ADDRESS.
THOSE ARE THE PRIME WAYS IN WHICH ALL THESE ACCOUNTS ARE MADE. HOW DOES ANYONE KNOW IF YOUR TELLING THE TRUTH OR NOT?
RULE OF THUMB FOR MOST COLLECTORS IS SOMETHING THAT IS OPEN FOR 3-4 MO'S OR LESS MAY BE FRAUD, BUT YOU SAID '5' MO'S...
IF YOU DISPUTE THEN WE HAVE TO INVESTIGATE- IF THE INFORMATION (USING DOCS, ADDRESSES ON HIS CREDIT REPORTS, SOCIAL SECURITY) ARE PROVEN TO BE CORRECT THEN HE OWES CAVALRY BALANCE IN FULL PLUS ANY INTEREST AND OTHER FEES. IF IT CANNOT BE PROVEN THEN IT WILL BE RESOLVED.
STOP GETTING MAD- IF THE INFO IS FRAUDULENT THEN GO THROUGH THE PROPER PAPERWORK AND PROCEDURES LIKE EVERYONE ELSE.
re: Anonymous said...
I don't know why I feel the need to add yet another case for the record here, but add me to the list of victims. I, myself, have a Sprint account in good standing. My husband has a phone on my account, which (need I repeat?) is in MY name. We have had this account for quite a few years. His name, however, was chosen in the infamous Calvary Lottery and we began receiving "offers" to pay a supposed less than owed amount (because they are such angels of mercy?). I saw that the account they associated with this debt was Sprint (I hadn't paid any attention to whose name the debt was assigned just yet). I thought that it was odd to get a collection from Sprint when I hadn't noticed any discrepancy in the bill that I had paid recently. Long story short, they claimed that my husband had a phone with Sprint for 5 months. He has never had an account in his name. So now, they want us to prove that he didn't incur the debt. Just how exactly is that going to work? You can't prove a negative. Duh! The burdon of proof should be on them, since they want this money. Prove that my husband set up, received and used an account with Sprint. While you are at it, explain why, if he had this service for 5 months, did he never receive a bill? Never a late notice? Nothing from Sprint at all? Only, all of the sudden there is this collection action being taken? Prove it.
8:32 PM
THIS IS COMPLETE CRAP!
IT TAKES YOUR NAME, ADDRESS AND SOCIAL SECURITY TO EVEN PUT SOMETHING ON YOUR CREDIT REPORT, SO SOMETHING MUST HAVE BEEN ACCURATE.
IF YOU WANT US TO INVESTIGATE THEN FILE FRAUD OR DISPUTE THE ITEM. IF THE ITEM CAN BE PROVEN THEN YOU ARE LIABLE FOR BALANCE IN FULL PLUS FEES/ INTEREST. IF YOU ARE CORRECT THEN PUT A SMILE ON YOUR FACE AS YOUR CREDIT REPORT SCORE GOES UP.
VERY SIMPLE- THERE IS A PROCEDURE IN PLACE FOR FRAUD AND DISPUTES SO WHY DONT YOU PEOPLE DO IT?
RE: hypednnc said...
Calvary Portfolio is a stupid company who doesn't investigate before collecting. Sprint turned a collection over to them that wasn't even in my name and put it on my credit report. I wish there was someone I could personally call and curse them out for doing this because I have to go through all of the hassle of getting this removed from my credit report when I never even owned a Sprint phone. Sprint and Calvary can go straight to hell and both will be hearing from me in the future.
8:37 AM
YOU DONT HAVE TO CALL BACK... GO TO WWW.CAVALRYINVESTMENTS.COM AND DO EMAILS... NOBODY IS GOING TO JUMP OUT AT THE COMPUTER AT YOU.
RE: Anonymous said...
Right now I am getting recorded messages from calvary and had to do some investigating just to find out that it was them. I'm afraid to call them back. I haven't heard on good thing about them so far.
8:04 PM
PEOPLE GET ANGRY TO THE POINT WHERE THEY
A) FILE BANKRUPTCY
B) PAY THE BILL
C) FILE FRAUD OR 'DISPUTE' (so the account can be investigated for validity, item provided or service provided)
A COLLECTOR WILL KEEP CALLING TILL YOU GET OFF YOUR BUT AND DO SOMETHING, ANYTHING.
YOU CALL IT HARRASSMENT BUT ITS SIMPLY GETTING SOMEONE WHO IS TRYING TO 'BLOW YOU OFF' TO GET OFF THEIR REARS AND RESOLVE WHAT IS A MORAL, FINANCIAL MATTER THAT COULD TURN INTO A LEGAL MATTER.
YOU DIDNT HANDLE THE ACCOUNT WITH THE ORIGINAL COMPANY.. YOU DIDNT HANDLE THE ACCOUNT WITH THE FIRST PARTY COLLECTORS.. ITS NOW WITH THE 3RD PARTY COLLECTORS- WAKE UP!
RE: Anonymous said...
after asking repeated ly to be left alone and they called back telling me that my letters were never recieved .if the debt is in despute that should be all there is to it , but they want to play games on the phone and wonder why people yell and hang up on them and now harrass to point of calling back to get angrier even, sprint seems to be the main account for these people if i owed it i would pay but service was not provided. agreement was not kept by company there.calvary do your home work on your so called debts before you harrass people.
1:54 PM
5BILLION AND A LOCATION NEAR EVERY COAST OF THIS COUNTRY.. HOW MUCH DO YOU HAVE IN YOU BANK ACCOUNT?
PROBABLY NOT MUCH SINCE YOU HAVE AN ACCOUNT IN COLLECTIONS..
IF THIS IS FRAUD OR DISPUTE THEN FILE THE PROPER PAPERWORK.. IF YOU WANT IT TO GO FASTER, THEN FAX IT TO THE OFFICE SO WE DONT HAVE TO WAIT ON THE SNAIL-MAIL.
SOMEHOW, I DOUBT IT WILL NEVER GET DONE... NICE TRY!
re: Anonymous said...
I need you all to know something....cavalry is a bottom of the barrel collection company
DO YOU KNOW HOW MANY PREACHERS I CALL THAT HAVE "GOD BLESS YOU" OR SOME SERMON ON THEIR ANSWERING MACHINES THAT NEVER PICKUP THEIR PHONES OR PAY THEIR BILLS?
A PREACHER CURSED OUT ONE OF OUR REPRESENTITIVES LAST YEAR AND SHE IS PROBABLY ONE OF THE MOST CHRISTIAN PEOPLE IN THE WORLD. SHE KEPT PLEADING WITH THE MAN TO LOWER HIS VOICE AND TO NOT CURSE AT HER, BUT HE KEPT GOING. SHE THEN PROCEDED TO WARN HIM THAT IF HE DID NOT STOP SHE WOULD BE ENDING THE CALL. SHE FINALLY HU ON HIM.
THE MAN HAS A CAR THROUGH MERCEDES CREDIT, A 130,000 HOUSE AND APPARENTLY A DECENT SIZE CHURCH- BUT HE DOESNT PAY ANY OTHER BILLS ACCORDING TO HIS CREDIT REPORT.
IS IT THE COLLECTORS FAULT OR HIS?
SHE IS ATTEMPTING TO CONTACT HIM TO PAY WHAT IS 'MORALLY' OWED BUT HE IS PROBABLY ON THE I-N-T-E-R-N-E-T CALLING IT HARRASSMENT OR TELLING HIS FRIENDS AND FAMILY (INCORRECTLY) THAT WE ARE TELEMARKETERS.
re: Anonymous said...
whoever's husband works for portfolio services and calls yourself a christian is lying to themselves no person concerned with humanity and the decent people left on this earth would post such a cold hearted reply to people's frustration and obviously true experiences with this company. one day the shoe may be on the other foot and that is the best lesson you could recieve. do so soul searching lady because your are wrong and cold and we all not that a cold unforgiving heart is not one of a christian. good day!!!!!!!!
10:44 AM
REPORTED? REPORTED FOR WHAT? FOR NOT BEING THERE AT YOUR 'BECK AND CALL' AFTER HOURS. AFTER 8 OR 9PM WE ALL GO HOME TO OUR FAMILIES!
IS THAT OKAY?
RE: Anonymous said...
I received a new phone line and then the recorded calls started to come in from a Heather Kelly, after calling them back several times I guess they went home and I was given the opportunity to leave a message for Calvary Portfolio Services? This company needs to be reported.
8:38 PM
SIMPLE..
PULL OUT YOUR PAPERWORK OR DOCS SHOWING THE ORIGINAL BILL AND NEGOTIATE. IM SURE WE CAN WORK OUT SOMETHING ON THE EARLY TERMINATION FEES OF THE 2 YEAR CONTRACT YOU PROBABLY NEVER READ AND YOU SIGNED YOUR NAME TO WHEN YOU WENT TO SPRINT AND PICKED OUT THE BADBOY PHONE THAT YOU THOUGHT WAS 'SO COOL.'
HOW WAS THAT FOR A RUN-ON SENTENCE?
re: Michael T said...
they got me with sprint. originally the bill was 59.00 through many contacts with sprint and the bill changing hands 3 times i was not able to catch up with them, now in the hands of Cavalry (Ruthless services) im fighting a 4 year old battle concerning early termantion fees..and a bad credit mark God help anyone facing Cavalry
9:59 PM
OKAY, WELL YOU ARE DOING THE CHRISTIAN THING BY HELPING PEOPLE BUT YOU ARE IN DENIAL..
YOU COULDNT POSSIBLE HAVE SPOTLESS CREDIT IF YOU ARE COMPLAINING ABOUT THE CREDIT CARD DEBT.
NOBODY FORCED YOU TO GET THE CREDIT CARD.
IF YOU WERE WORRIED ABOUT EATING OR GETTING A CREDIT CARD THEN YOU SHOULD HAVE SIGNED UP FOR SOME PUBLIC ASSISTANCE OR VISITED A CHURCH OR THE SALVATION ARMY. I HEAR THE SALVATION ARMY HELPS PEOPLE- OH GUESS WHAT, THATS WHERE I VOLUNTEER ALONG WITH MY MOTHER WHO IS A MINISTER (she got me to go there with her twice a mo.)
1ST PARTY COLLECTORS TEND TO BE RUDE AND HEARTLESS BECAUSE THEY ARE AGENCIES HIRED BY THE ORIGINAL CREDITOR.
CAVALRY IS 3RD PARTY COLLECTIONS. I KNOW OF FEW PEOPLE IN THE BUILDING THAT ARE COLD, HEARTLESS B**CHES. I WOULD SAY YOUR PROBABLY GOING TO RUN INTO SMART*SS*S MORE, BUT EVEN THEY ARE VERY KIND OVERALL.
RE: Anonymous said...
Mrs. and Mr. Debt Collector,
First of all I am not stupid nor lazy. I have spotless credit also but when I was in college a credit card company decided to give an 18 year old college student with no job a credit card. Needless to say I had to chose between eating or paying the credit card. You are an uncaring cold harded b*tch. Most debt collectors are. I am sure that everyone on here is a hard working adult that at one time made a mistake or two so who are you to judge? I'm sure you have made a mistake in your life so don't pretend to be better than everyone else. People like you make me sick. I too at one time was a debt collector but I was patient and caring. I collected over 1 million dollars in 6 months from past due accounts. Now I help people for a living and it is so rewarding instead of praying on people that are down in their luck.
9:03 PM
ask for the fax number and fax a cease and desist letter. however, since they cant contact you by phone they may start the legal procedings. at least the calls will stop legally according to the fdcpa laws.
RE: Anonymous said...
after asking repeated ly to be left alone and they called back telling me that my letters were never recieved .if the debt is in despute that should be all there is to it , but they want to play games on the phone and wonder why people yell and hang up on them and now harrass to point of calling back to get angrier even, sprint seems to be the main account for these people if i owed it i would pay but service was not provided. agreement was not kept by company there.calvary do your home work on your so called debts before you harrass people.
1:54 PM
forgiveness doesnt mean being deaf, dumb and blind.
there is no forgiveness in money.
when you are borrowing money or trying to get services that you do not pay for then that is a sin.
"for the love of money is the root of all evil.."
I'm a preachers kid.
I treat people with utmost respect- and they still hang up, screen calls and curse me out.
I am a christian collector. I have 'no' debt because I dont fall into the 'trap' of 'wanting'. i pay cash for everything except the house and the utilities. i drive paid off vehicles. i did not get student loans in college, but preffered to work my rear off after transferring from junior college.
your in denial.. stop spending on those credit cards and getting pay-day loans and financing those big cars.
THAT is the best lesson you can recieve and IS A ANSWER THAT IS BACKED BY THE BIBLE not BY PERSONAL OPINION.
re: Anonymous said...
whoever's husband works for portfolio services and calls yourself a christian is lying to themselves no person concerned with humanity and the decent people left on this earth would post such a cold hearted reply to people's frustration and obviously true experiences with this company. one day the shoe may be on the other foot and that is the best lesson you could recieve. do so soul searching lady because your are wrong and cold and we all not that a cold unforgiving heart is not one of a christian. good day!!!!!!!!
10:44 AM
after you contact an attorney he may
1) charge you several hundred just to write a 'strong letter' to cavalry which will do no good in the long run
2) start a case that may cost you several hundred more than the actual debt was in the first case.
if the attorney is not going to pay your debt personally for you then you are wasting your time and money.
if you owe the money then pay it. if you dont then dispute or file fraud that we can investigate along with your local authorities.
RE: Anonymous said...
Today June 13, I received a very scary phone call, they were asking for my husband and would not give me any information of where abouts they were calling from. This man only wanted me to write down a number and to relate the message to my husband to call back before 10 pm tonight because if he did'nt, they would take legal action against him. Of course this really made me nervous. I am very sensitive to stress and being diabetic it affects me. My husband and I have triyed calling them A.S.A.P. but no luck. After finally understanding the pronounciation of the voice mail, I decided to do some research over the internet, and what a surprise! I read all your guys comments...what a bunch of @#$%$#^, I will immidiately go to the our local credit bureau and do some digging my self. And if these buch of assholes are trying to darken our lives with their bunch of BS, I will take my self LEGAL MATTERS! God Bless you all and thank you for putting up your comments (leaving out the stupid family that works for these fools), this will surely help us tell them off when they call again!
8:13 PM
heather kelly's message is a recording... call a live office and talk to a live person. stop leaving messages so you can get some action (which is what you want).
you may also email, write or fax.
re: Anonymous said...
Oh my God I hate these people! I have left message after message asking them to stop calling and Heather just keeps on leaving those damn messages! I am following your lead and contacting Better Business. They have pushed too far!
cavalry website is www.cavalryinvestments.com
you must be looking up porn or something wherever you were looking
re: I just tried to go to www.calvaryportfolioservices.com to see if this so called company has a web site and access was blocked by my employers web filters. The kind of site they won't let us access are:
Anarchy
Criminal Skills
Cults
Drugs
Gambling
Hate Groups
Non-Company Provided Web-Based E-Mail
Obscene and Tasteless
Personals
Pornography
Proxy (eg, Anonymizers)
Gee, I wonder which category Calvary falls under......
I AM NOT THE DEBT COLLECTOR OR THE HUSBAND.
YOUR OPINION IS 'ALSO' NON SOLICITED AND NOT FACT BASED AT ALL- NOT TO MENTION PARANOID.
ITS CALLED THE I-N-T-E-R-N-E-T SIR/MA'AM.
THIS IS A BLOG AND AS MUCH AS YOU PEOPLE TALK ABOUT FREEDOM OF SPEECH YOU SURE GET DEFENSIVE WHEN SOMEONE HAS SOMETHING TO SAY THAT IS IN OPPOSITION TO YOUR PERSONAL VIEWS.
ARE YOU A NAZI OR WHITE SUPREMIST?
YOU WILL NOT SEE CAVALRY OR THE "LOOK" ON CAVALRY'S "FACE" BECAUSE CAVALRY HIRES 'HIGH PRICED LAW FIRMS' IN EACH STATE TO HANDLE THESE SITUATIONS. IF CAVALRY LOSES, SO WHAT... DO YOU KNOW HOW MANY CASES GO ON EVERY DAY AROUND THE COUNTRY? DIDNT THINK SO.
A PARANOID PERSON MAY BELIEVE THAT THEY ARE NOT WORTH EVEN AN APPEARANCE BY THE DEBT COLLECTOR IN COURT BECAUSE OF THIS.
THAT IS NOT THE CASE.... CAVALRY SIMPLY HAS TOO MANY CASES TO HANDLE AT ONE TIME- SORRY, TOO MANY ASSETS TO WORRY ABOUT YOUR NICKEL.
AS FOR ME, I STRIVE HARD FOR PERFECTION EVERYDAY. ACCORDING TO THE WORD OF GOD WE WERE ALL BORN INTO SIN SO WE MUST PRAY EVERYDAY, GET DELIVERED AND SHOW CHARITY TO THE ORPHANS AND THE WIDOWS. NO WHERE DOES IT SAY TO 'NOT' HAVE WISDOM AND LET PROCRASTINATORS, THIEVES AND CON-ARTISTS GET AWAY WITH CRIMES.
I HAVE MENTIONED PREVIOUSLY THAT I ATTEMPT TO WEED OUT THE CONS FROM THE MISFORTUNED. THERE ARE BOUND TO BE ERRORS IN THE FORMULA BECAUSE WE ARE DEALING WITH THE UNSABLE EQUATION CALLED PEOPLE; JUST ASK THE POLICE THAT HAVE JAILED INNOCENT PEOPLE BY MISTAKE.
I CANT ANSWER FOR THE OTHER COLLECTORS BUT MY FACTS ARE
ITS NOT THAT HARD TO PROFILE SOMEONE THAT MAKES A STATEMENT LIKE "BRING IT ON".
RE: Joseph Hildebrand said...
Wow! The things I see. I feel for all of you people here! I definitely feel for the debt collector and her husband. As if it isn't enough to harass these people for a job-you can't get enough of it at work so you come home and go after them even more! Not to mention unsolicited and nothing fact based, just opinion. A poor opinion and grammar at that.
I too have recently been contacted by Cavalry. They have not contacted me once in writing regarding my so called debt!!!! Instead they decided just to serve me! My guess is they some how got my bank information showing a decent balance in my account. Oh well....
For once the collector is going to lose and lose big! I have already settled this account with a previous purchaser of the debt. So I will be showing up in court in less than a month with my HIGH POWERED AND PRICED real estate attorney/ bankruptcy attorney. I will also have my proof of payment with the previous firm stating the account number and the fact that it was paid in full! I can't wait to see the look on their face when the judge awards me my fees, lawyer fees, loss of wages and the like. If they don't pay then they will be subject to the worst!
I will keep you up to date!
By the way...for little mrs. do gooder and her husband I would be careful as the Fair Debt Collection Practices Act, Fair Credit Reporting, FACTA, ECOA and others explicitly stae that the use of profanity when dealing with debtors is expressly prohibited and can result in a $ 1,000 fine per occurence. In fact, you are not even allowed to bad mouth people! Which you did! Read the law IDIOT! The law does not limit the restraint from cursing and bad mouthing to mailed correspondance. It states in "any" communication which this blog is and most are Cavalry Customers!!! You may have just racked yourself for $1,000's.
Anyway, I know you and your family are perfect and never have had debt, hard times, a mistake on your end or anothers! Way to go be a good Christian. I thought part of Christianity is forgiveness, compassion, and empathy. If the crucifixion happend today you would be the one putting the spear in the side of Christ. You would throw gas on a fire to extinguish it. If you have a problem with that which was said here: BRING IT ON!
Got a call from Cavalry today. This guy asked for my wife by first name, as if they were friends and then would not respond to my inquires as to who he was and/or the nature of his call and/or his relationship with my wife. Instead, he chose to disrespect me by asking me the same questions back. I hung up on him, went to the caller ID and then to the internet. Had this guy been a "responsible adult" and responded to reasonable questions asked by a man who is speaking to another man asking for the first man's wife, then maybe the process could have started to resolve this perceived debt.
Now, after reading all this stuff about this "fine" company and knowing what I encountered this morning, they can just kiss my ass and bark at the hole!
DID YOU ATTEMPT TO CALL BACK AND SPEAK WITH MANAGEMENT? THEY WILL RESOLVE THE ISSUE FOR YOU.
LIKE OTHER COMPANIES WITH MULTIPLE EMPLOYEES ITS HARD TO ACCOUNT FOR EVERYONE'S ACTIONS- MOST CALLS ARE BEING MONITORED NOW BY A TEAM AND NOT BY THE MANAGEMENT STAFF FOR QUALITY.
IF YOU TRULY WANT TO RESOLVE THE DEBT THEN DONT LET ONE PERSON STOP YOU FROM DOING IT.
IF YOU WANT TO TREAT IT LIKE WENDY'S AND LET ONE LITTLE FINGER STOP YOU FROM EATING THE CHILI THEN NOBODY IS STOPPING YOU.
I JUST WONDER WHY YOU TOOK THE ENERGY TO EVEN POST ANYTHING?!?
re: Anonymous said...
Got a call from Cavalry today. This guy asked for my wife by first name, as if they were friends and then would not respond to my inquires as to who he was and/or the nature of his call and/or his relationship with my wife. Instead, he chose to disrespect me by asking me the same questions back. I hung up on him, went to the caller ID and then to the internet. Had this guy been a "responsible adult" and responded to reasonable questions asked by a man who is speaking to another man asking for the first man's wife, then maybe the process could have started to resolve this perceived debt.
Now, after reading all this stuff about this "fine" company and knowing what I encountered this morning, they can just kiss my ass and bark at the hole!
June 28, 2005
I was a victim of identity theft sometime in late 96' or 97'. Luckily, one of the major credit companies noticed suspicious activity recent credit activity and contacted my legitimate address. (There was a new fake address being used on these credit reports.)
I immediately informed them that this was a fraudulant application. They advised me of other recent inquires by other creditors. I subsequently contact all other creditors the received fraudulant application or opened fraudulant accounts.
I diligently reported this activity to the credit report agencies and police department. A fraudulant warning was added to my credit reports. However, in 96' police reports were not made on identity theft.
In December of 2004, I received a message from a Salvatori Spinelli's Law Office regarding a Calvary Portfolio account. I immediately returned the call and was informed of a Unocal 76 account that I never had. I immediately told them about my identity theft incident and that the account was never reported on my credit reports. They told me to send a dispute letter, which I did that very day.
After a month of not hearing anything from Calvary, I contacted their office again. I informed a new person regarding the situation, they had no reference to my previous call, and claimed they never received my letter. They however promised to send a fraud package for me to fill out. I also sent another letter regarding my dispute.
Guess what!!!! I never received the fraud package. I therefore sent two other letters dispute the debt. Never received any response or fraud package. I am now applying for a refinance and there collection action appears on two of three credit reports. My broker tells me that my credit score without the collection action is 760 and the others with the 670. He was amazed how one collection account on the credit report dramatically effected the score.
I therefore called Calvary Portfolio again...They then referred me to a different attorney. I called that attorney...He referred me back to Calvary....I called Calvary, and they promised to send another fraud package.
I know they have violated the Fair Debt Collection Practices Act and the California's Fair Credit Reporting Act by failing to valideate the debt. A violation carries a statutory damage of $1,000 per occurrence.
I wasn't going to pursue the damages....However, I am now apply for a refinance. If they do not correct this matter soon, I will have no choice but to sue for the statutory damages and the value of the lost refinance.
If the person that is making comments regarding peoples stories could help, I would appreciate it. (P.S. I did not check this for grammar or spelling!)
THE ATTORNEY OFFICE AT CAVALRY CANNOT HELP YOU OUT.
TO MAKE SURE NOTES OF YOUR PHONE CALL ARE MADE CONTACT THE CAVALRY EMPLOYEES AND NO OTHER SOURCE AND MAKE SURE THEY MAKE NOTES WHILE YOU ARE ON THE PHONE TO THE ACCOUNT. CAVALRY CANNOT, HOWEVER MAKE NOTES TOWARDS THE ACCOUNT IN ANY WAY THAT WOULD HELP YOU IF THE ACCOUNT HAS BEEN SOLD OR TRANSFERED TO ANOTHER PARTY SUCH AS AN ATTORNEY OFFICE, COLLECTION AGENCY OR SOLD TO ANOTHER PARTY.
I WOULD SUGGEST THE BEST COURSE OF ACTION TO BE CONTACT TRANSUNION, EXPERIAN AND EQUIFAX YOURSELF TO DISPUTE THE ITEM. THEY IN TURN WILL WORK WITH YOU TO REMOVE IT WITH CAVALRY OR THE ENTITY THAT IS ACTING ON BEHALF OF CAVALRY.
REMEMBER THAT WHEN CONTACTING A CREDIT AGENCY TO SEND ALL PAPERWORK REGARDING YOUR DISPUTE OR YOUR INVESTIGATION INTO THE FRAUD. KEEP A COPY OF DATES AND PAPERWORK SENT FOR YOURSELF.
I PERSONALLY HAVE FINANCED MANY PEOPLE AS WELL AS COLLECTIONS AND I AM CURIOUS AS TO HOW YOUR LOAN OFFICER IS ABLE TO DETERMINE HOW MUCH A SCORE CAN BE AFFECTED BY CERTAIN ITEMS. THE REST OF US CANNOT FIGURE IT OUT SINCE IT IS BASED ON SO MANY VARIABLES- I WANT HIS CRYSTAL BALL!
Anonymous said...
June 28, 2005
I was a victim of identity theft sometime in late 96' or 97'. Luckily, one of the major credit companies noticed suspicious activity recent credit activity and contacted my legitimate address. (There was a new fake address being used on these credit reports.)
I immediately informed them that this was a fraudulant application. They advised me of other recent inquires by other creditors. I subsequently contact all other creditors the received fraudulant application or opened fraudulant accounts.
I diligently reported this activity to the credit report agencies and police department. A fraudulant warning was added to my credit reports. However, in 96' police reports were not made on identity theft.
In December of 2004, I received a message from a Salvatori Spinelli's Law Office regarding a Calvary Portfolio account. I immediately returned the call and was informed of a Unocal 76 account that I never had. I immediately told them about my identity theft incident and that the account was never reported on my credit reports. They told me to send a dispute letter, which I did that very day.
After a month of not hearing anything from Calvary, I contacted their office again. I informed a new person regarding the situation, they had no reference to my previous call, and claimed they never received my letter. They however promised to send a fraud package for me to fill out. I also sent another letter regarding my dispute.
Guess what!!!! I never received the fraud package. I therefore sent two other letters dispute the debt. Never received any response or fraud package. I am now applying for a refinance and there collection action appears on two of three credit reports. My broker tells me that my credit score without the collection action is 760 and the others with the 670. He was amazed how one collection account on the credit report dramatically effected the score.
I therefore called Calvary Portfolio again...They then referred me to a different attorney. I called that attorney...He referred me back to Calvary....I called Calvary, and they promised to send another fraud package.
I know they have violated the Fair Debt Collection Practices Act and the California's Fair Credit Reporting Act by failing to valideate the debt. A violation carries a statutory damage of $1,000 per occurrence.
I wasn't going to pursue the damages....However, I am now apply for a refinance. If they do not correct this matter soon, I will have no choice but to sue for the statutory damages and the value of the lost refinance.
If the person that is making comments regarding peoples stories could help, I would appreciate it. (P.S. I did not check this for grammar or spelling!)
My father has recently been going through the Heather Kelly phone calls - leaving messages and trying to call Heather back at the designated times - with no luck and no response. I did an internet search for the phone number and came across this blog and told him about it. Since they had personal info stolen from an attorney's office a few years back we've checked their credit reports annually. And, when they became free in our state this year I pulled them up - nothing was listed on them. My parents have no debt and have never had any late payments or bad credit. My dad called Sprint when I told him what I had found and since Sprint had no record of past debt they gave him the following general number for Calvary to call to find out what was up. The number is ... (800) 429-0535 Turns out the phone number my dad has was listed under someone else's name - they have supposedly updated their records and we hope this is over. A couple of suggestions for Calvary: (1) Have a live person make the calls and if no one picks up then click over to a recorded message - in my dad's case this would have ended the problem a month ago; (2) Whichever employee of Calvary is responding to the bloggers on this site ... should remember they are supposed to be representing a legitimate company and therefore should be showing a little more restraint and professionalism in those responses.
Annonymous Said
"I PERSONALLY HAVE FINANCED MANY PEOPLE AS WELL AS COLLECTIONS AND I AM CURIOUS AS TO HOW YOUR LOAN OFFICER IS ABLE TO DETERMINE HOW MUCH A SCORE CAN BE AFFECTED BY CERTAIN ITEMS. THE REST OF US CANNOT FIGURE IT OUT SINCE IT IS BASED ON SO MANY VARIABLES- I WANT HIS CRYSTAL BALL!"
I think what the broker is saying...The credit reports have the same information except two of the three have the Calvary Collection action reported. Those two have an approximate score of 680, while the one without the credit score is that has the same credit information 760..... Based on reasonable deduction, he came to the conclusion that the collection action is making the biggest mark.
Additionally, I had previously gone through a refinance on a seperate property the two years before, with no calvary reported on the reports, and the average score was 750. I guess his crystal ball is deduction....
I AGREE WITH EVERYTHING YOU SAID.
ONCE AGAIN THE PROBLEM WAS SOLVED WITH A SIMPLE 'PHONE CALL'. I AM NOT TRYING TO SOUND SARCASTIC BUT TRYING TO GIVE LIGHT TO THE FACT THAT BEING AN ADULT AND HANDLING YOUR PROBLEMS HEAD ON CAN SOLVE ANY SITUATION.
BTW, WHEN I RESPOND TO THE COMMENTS THE WAY I DO ITS BECAUSE:
1. I TRY TO TALK TO EVERYONE (INCLUDING THE BOSS) ON THEIR LEVEL. NOBODY ON THIS EARTH IS BETTER THAN ME- WE ALL DIE IN THE END WITH NOTHING. I WAS RAISED AROUND MONEY- THEN I BECAME A DEBTOR MYSELF. NOW I AM TRYING TO PURGE MYSELF FROM ALL CREDIT CARDS AND FINANCING AS I AM TEACHING OTHERS THE TRUTH.
BTW, I AM COMPLETLY DEBT FREE THIS YEAR!
2. AFTER A HARD DAY OF LISTENING TO PEOPLES STORIES ON AND OFF THE PHONE I LOVE TO BLOW OFF A LITTLE STEAM LIKE EVERYONE ELSE. I CANT HELP BEING A GOOD GUY AND PROVIDING A LITTLE GOOD ADVICE IN THE PROCESS. SORRY...
**FREE CREDIT REPORT AT www.annualcreditreport.com**
re: Anonymous said...
My father has recently been going through the Heather Kelly phone calls - leaving messages and trying to call Heather back at the designated times - with no luck and no response. I did an internet search for the phone number and came across this blog and told him about it. Since they had personal info stolen from an attorney's office a few years back we've checked their credit reports annually. And, when they became free in our state this year I pulled them up - nothing was listed on them. My parents have no debt and have never had any late payments or bad credit. My dad called Sprint when I told him what I had found and since Sprint had no record of past debt they gave him the following general number for Calvary to call to find out what was up. The number is ... (800) 429-0535 Turns out the phone number my dad has was listed under someone else's name - they have supposedly updated their records and we hope this is over. A couple of suggestions for Calvary: (1) Have a live person make the calls and if no one picks up then click over to a recorded message - in my dad's case this would have ended the problem a month ago; (2) Whichever employee of Calvary is responding to the bloggers on this site ... should remember they are supposed to be representing a legitimate company and therefore should be showing a little more restraint and professionalism in those responses.
10:12 AM
In these days of 'buyer beware' we all as consumers have to understand that the claims of 'I've never had a .... account' or 'that's not me' are some of the most common excuses that debtors use with collection agencies. Therefore, we also have to understand that in many ways it is our responsibility as a consumer to prove it is NOT our debt, rather than the agency's issue to prove that it is. The sad fact of the matter is, the agency has the upper hand, and can with very little documentation, get a judgement against a consumer simply because of unwillingness of the consumer to cooperate with any investigation. Cooler heads prevail - calmly explain that you believe the debt is not yours, and ask for the steps necessary to clear this situation up. Again, the irate claims and ranting only lead the collectors to believe that you are simply angry that a debt collector has finally caught up to you, and the vicious cycle begins. Collections is not a pretty business, but most agencies are very careful to stay within the law to protect themselves. Be adult, and be prepared to resolve the issue calmly and carefully.
# posted by Anonymous : 2:23 PM
So. Who is this I-LOVE-CAVALRY-AND-I-HAVE-TO-TYPE-IN-ALL-CAPS-GUY? This blog is about a case of identity theft, so don't give me that "We're just trying to collect debt from dead-beats" crap. Why did Cavalry have to pay $3000 of Shawns legal fees then? I guess he isn't really a deadbeat, is he? Also, I quote you in saying,
"...NOBODY ON THIS EARTH IS BETTER THAN ME...".
Well, sorry, but I can say that your statement is wrong (and sadly pathetic). You've also said,
"...I WAS RAISED AROUND MONEY- THEN I BECAME A DEBTOR MYSELF. NOW I AM TRYING TO PURGE MYSELF FROM ALL CREDIT CARDS AND FINANCING AS I AM TEACHING OTHERS THE TRUTH.
BTW, I AM COMPLETLY DEBT FREE THIS YEAR!..."
So, since I wasn't raise around money and purged myself of debt many years ago, does that mean I'm better then you? The way you worded that, you bet I am!
Here is another awesome Cavalry Guy quote,
"...AFTER A HARD DAY OF LISTENING TO PEOPLES STORIES ON AND OFF THE PHONE I LOVE TO BLOW OFF A LITTLE STEAM LIKE EVERYONE ELSE..."
So, you hate your job. Why can't you find another? I hated working at Geico Insurance (because they were almost as shady as Cavalry, apparently), so I started my own business. And, guess what?! I have to do debt collection too! BUT, I have NEVER tried to collect debt on a person that didn't owe me money. Big difference.
Back in 2002 I purchased a cell phone from Sprint. The phone worked for a month, before it would not even turn on. I kept paying the bill for 5 months even though the phone was useless because Sprint kept saying they would turn it back on after the next payment. I stopped paying for the phone, and they turned me over to Calvary for collections. I refuse to pay for a phone that didnt work. As I see it, Sprint owes me money. Calvary doesnt even have documentation of my contract. What a bunch of ASSHOLES!!!!
my wife recently received a letter from cavalry for collecting $1100 bill (in 2001) purchased from sprint. however, she never use sprint service and has never received any bill from sprint. she filed police report in our locate station. a dispute packet just arrived. however, the company requires her to submit copies of her social security card, driver's licence, and evidence of residence together with the dispute form. it also states that they have the right to sale personal information to third party. i have difficulty to understand why they need all these documents which can be used for other fraud. as a private bussiness, do they have the right to ask for these documents? or is this the common practice for a debt company.
I have just been reading all these comments. It is crazy and I do see both sides.
When someone works for a collection agency they do have to be aggressive but still be professional. Alot of people don't have that talent.
They do get the blunt of the attitude from the debtor, but yet they still should be professional.
Yes, everyone is responsible for paying there bills on time. Yet things do happen. With the world changing all the time, no one knows what tomorrow brings. We still must do the right thing.
Collection companies are not always right, because they are going off what the lendor sent them. It may not be the right info. I beleive the Collection Company should verify prior to contacting the debtors. That's not always the case. Alot of Colletion Agency have alot of young people working for them that are not mature enough to handle this. I know this because we have one here in our town that my sister worked for. They do have a high turn over rate because they can't get qualified people to work there. Probally because the starting pay is only $7.00 an hour. My sister quit because she got a better offer making twice the ammt.
I do beleive people try to avoid the Collection Agency because they don't have the money or they prefer to have other things. It's not right. You do have those that have been reported by Lendors to the Collection Agency incorrectly. What I mean, one # off on a SSN #, looking at several accts and sending the info for the acct in good standing to the Collection Agency. THey don't realize what they have done, until it's at a level with the Collection Agency.
This is why I feel for those who are complaining. When someone states you have rights, you can appeal, and etc.... THat is bull.
If someone is trying to get a house and finds a colletion on their report that wasn't on it a month ago, than that's a problem.
Than this person can't get a house until it's fixed. It can take a month to years to get it fixed. Than it gets fixed and the find out the Collection Agency or the Lendor screwed up. But the person trying to get the house has to suffer for someone elses misstake. That isn't right. These should get fixed asap. Who's to pay this person for his/her time proving he/she didn't owe this debt. An apology isn't good enough. I know this happens because of my sister working at a Collection Agency and some friends I also know.
I also wanted to comment on those who work for this company that made comments.
Some have been very professional and loyal to this company.
Some have replied to several comments by using CAPS, which in the professional world means yelling, not be professional.
Some claim to be Christians but say alot of ugly and hateful things to those who have made comments. That isn't Christian like behavior and you should read your bible front to back. Check out judging, and how Christ acted.
Know that ugly remarks are negative and you can not gain anything positive back from what you say. When you offend someone the bible says you should apologize. I see many that this person has offended. I apologize if you think this is to harse. I beleive you have only made the company look even worse by your replies. It's not professional at all. You should have said something like what the other company employees said. If you are a Christian, than you should at as Christ did. The bible says we all come short of the glory of God. So just because you say your're a Christian doesn't mean you'll get to heaven. YOu have to live it daily not part time. Be Christ like. I wish everyone the best and hope all can we worked out professionally.
Remember:
Company employees should always be respectful for the indivual and professioal at all times.
Debtors should work out something to get your bill paid and keep all statements,letters, and etc... as proof it was paid. Check you credit report mthly so you can be on top.
For those that know or beleive they have notified in error. Know your rights and don't be fooled. Get it taken care of asap. Time waits for no one. I hope that everything get worked out. Records from lendors have show proof of your signature that you signed. If they have none than the Collection agency has no grounds other than word of mouth. They usually have something and must provide you with that info that led to them contacting you.
May God bless you all!!!!!!!!!
WHO IN THE HELL IS CAVALRY PORTFOLIO SERVICES????? GOT A LETTER TODAY DEMANDING $102.72 FOR WHO KNOWS WHAT. JUST GOT OFF THE PHONE WITH THEM AND THEY SAID THAT THEY WOULD HAVE TO LOOK IT UP AND CALL ME BACK....THEY DON'T EVEN KNOW WHAT IT IS FOR....ISN'T THERE A LAW AGAINST SUCH AS THIS?
I AM JUST DAZED AND CONFUSED....
Good news!!!!! Yesterday, I got off the phone with the fraud manager at Calvary Portfolio and the agreed to close the collection account and remove the marks from my credit reports.
FYI, I was the person who was a victim of identity theft around 1997 and had attempted to get this matter resolved for months. Finally, I will have a perfect credit again...Yippie!!!!!!!!!
Just thought I'd let you know the outcome of my ordeal.
Yikes...my credit report has now been affected because of this company. I contacted Sprint directly to dispute the bill. I finally received a letter from Sprint verifying that they made an error. However, I have to contact the bureaus myself to take their mistake off my report.
Equifax
800.685.1111
800.525.6285
P.O. Box 740256
Atlanta, GA 30374
TransUnion
800.916.8800
800.680.7289
P.O. Box 6790
Fullerton, CA 92834
Experian
888.397.3742
800.301.7195
P.O. Box 1017
Allen, TX 95002
Good luck everyone!
Folks...was researching info about Calvary Portfolio and feedback. Boy, did I find it on this web-site! Many of the comments concerning Calvary and others is justified. But again, I'd like to point to the law and your rights as a consumer. You and I have rights and I encourage you to use them. Many of those collection agencies today are in fact chasing folks down on debts that MAY NOT be collectible. (They are banking on your ignorance of the law)
On this site I read comments about a person, presumably a wife who indicated that her spouse worked for Calvary Portfolio. She indicated that the company as well as her husband , in summary are good folk - but she couldn't spell or even create her sentences correctly. (Point: can she really make an assessment)
In summary...
Collection agencies and firms bank on one's lack of knowledge. Research the laws both for your state and check the consumer web-sites for factual information. Don't stress the small stuff and since most of that stuff comes off your credit reports by year seven,don't worry. (Learn from your mistakes!)
calvary is a poosr exuse for a company. they are impossible to get a hold of and they want me to mail in my payments and offer no web payment or over the phone payment services. this is bad business. If you want to collect a debt, you should really allow people the convience of some sort of modern payment plan. I cannot stand this company, they should be reported to the better business bureau
Ok well I was pissed at this Cavalry company also. They charged my husband almost $300 for Sprint for a phone he has NEVER had. The only cell phone company he's ever used was Nextel. But he filed with the credit bureau and the company saying it was fraud. I just called them to pay it off cuz we're both annoyed at not being able to get credit and they said it had been closed and we didn't have to pay b/c it was fraud. Now all I can hope is that guy wasn't full of crap and this will all get resolved. We'll see...
Just remember people, CHECK you local states' Statute of Limitations. In most cases, it's between 5 or 6 years. If the debt is older than that, tell them to F*** off.
I just recenlty pulled my credit report and saw I appartenly owe sprint bill as well. I did have a sprint phone more than 5 years ago. A few months ago I get this letter saying I still owe this money. I swear on everthing I had paid this bill. So I called them they were not that helpful they ket thelling me that I never paid instead of investigating. I know for a fact I sent the bill to sprint. Then 7 years later I hear from this company. According to the credit report I still owe I couldn't believe it. I had called sprint and they said the account was paid in full and never sent to collections. I guess I will be calling them agian tomarrow becouse someone is lying to me and I want to know who. Also why is that most of the complaints here have to do with sprint pcs? How are they even still in business
I turned my home phone off becouse I was getting harassed 5 to 10 times a day. I had gone thru the police filed for phone harassmant(which didn't help much)and went thru the phone company to file harassment. Appartenly miss Wilson owed cavalry money. Guess what I'm not miss Wilson. I decided to do a search on this company that kept calling my house and this is the only site I could find. I even checked out the web address listed on this page and still nothing. Too all you empolyees of cavalry stop trying to make yourself sound better than us. we all make mistakes. It sounds like most of you hate your job. well find a new one. Instaed of trying to put down people you don't even know. I went thru a nightmare of a time trying to explain that I wasn't miss wilson. I had to shut my phone off just to stop the calls. My phone would ring all day. I even included my first and last name on the answering machine. Do you know what it is like to be harassed so bady and not even being the person there looking for. Put yourself in our shoes and think real hard about how this situation would affect you before you start getting are backs calling names. U assume you know us beouse you collect debt. well news flash you don't know us. All ASSUMING does is makes an ass out of you and me. You should never assume. OH yeah what goes around comes around.
No one ever said life isnt full of choices,Do your best to make the best choices that you can. Choose your credit lines very carefully. I think one of the hardest lessons learned with credit is that is truly defines a person in this day and age. Credit cards are the enemy, dont be in such a hurry to buy now what you can save for and if it can't wait, than borrow from someone you are likely to payback a brother sister mom friend family member etc..When you are matur enough to make credit decissions you won't have multiple cards that are tens of thousands of dollars past due, furthermore regarding some of the issues like cell phone bills read your contract and stay with one provider your whole like everyone who ever had a disconnect with a cell phone had a final bill and most likely wasnt a fair bill. It's a tough world out here protect your credit and if your worried or not wanting to pay your drbt than don't borrow any money!!
wow what an incredible waste of time, if we don't pay our bills we deserve to be sued and put in jail don't borrow what you havent either the means or the intent to pay back. Our economy is suffering enough we don't need modern day duel incomed family cons patrolling the mail for the next free line of credit we don't to payback. Have your wages garnished? when you are an honest working middle class American and the sole provider for a family and your wages get garnished tell me if your character is a little stronger see if you don't think over every application that comes into your home before signing up for the credit. Dumbass!
I think Cavalry is the best collection company. They showed me how I could pay my bill and save money in the proces. Thanks Cavalry.
being a loser myself i find it extreamly irrating when someone calls me to pay a bill that i have long ago decided to not pay. I just cannot belive that someone would call me, me-a completly irresponsable person who can barly dress myself much less have any finanical or social responsablity, to pay on a "bill". I've tried everything, lying to them telling them that i was dead, not home,changing my number, and having my kids answer the phone and carefully training my 6 year old to screen my calls because i lack the spine to get on the phone and actually communicate with the scary person on the other end - hopefully i can teach my 4 year old to lie and decieve people as well so he can grow up to be a functional part of society just like me.
You don't need a lawyer to sue Calvary services. Keep good records of all your information, document, document, document and look up your state's law on credit collections. Yes, they have big time lawyers, but the lawyer's scare tactic works on 85% of all the people, so they will do this to you. Remain calm, search your state laws, keep detialed records of your interaction with calvary, once you find out where you stand with your state law, you can file suit, or you can wait to have them sue you and file a counter claim and present your arguement on their court bill. If you are in the right, you will make some money and they will pay all the fees. I'm no lawyer, so do your homework, but my quick search shows that my state has penalties for collection companies that don't verify the person's contact information or for wrongfully trying to collect a debt from the incorrect person. Let them keep calling, I'm making an hourly wage from them now... until they sue some guy that is not me... and they finally listen that I am not him and that they are sorry for causing me so much pain and problems. Thank you Judge, will be my final word.
Cavalry send me a collection letter Re: Sprint account for $562.00. Account was set up in 2002 with my name and SS#..I have never had an account with Sprint (or never will in the future). I requested verification of the account from Cavalry (sec. 809 Fair Debt Collection Practice Act, FTC and haven't had a reply. In the meantime, Cavalry reported this false debt to the credit agencies...I have filed a identity theft with the FTC and the 3 major credit agencies...I have to go through all of this because Sprint didn't do their homework when someone used my name and ss# BUT HAD A WRONG ADDRESS AND CITY! Cavalry should also check the validity of the debt and NOT REPORT IT TO THE CREDIT AGENCIES WITHOUT NOTIFICATION TO THE VICTIM( me in this case)> Hope others of you with similiar cases will check your rights and ask for verification before giving Cavalry any information....good luck!
cavalry is a sweat shop in the internet aqe. the managers have pools and boats while the "resolution specialists" fear for their jobs everday. send a cease and desist letter and pay them nothing. the fat pigs just get richer and fatter if you pay them. they buy the accounts for about 2 cents on the dollar
Todd Tipton is the director of operations for the four cavalry locations. Mike Madewell is his underling and follows him from company to company.
Todd is as fat as they come. Every dime you pay this fdcpa violating company adds to his lard and riches. Madewell is a white collar crook with a heart of steel.
Pay them nothing. Dispute everything. See wwww.ftc/gov. credit on how to dispute.
Legally they have to send a letter of validation before they can start collecting or place it on a credit report.It appears like a piece of junk mail and can be easily overlooked.
Over the last couple of months we have been getting automated calls from Calvary looking for a Mark Pennington. I DO NOT KNOW A MARK PENNINGTON! My wife selected the option for no Mark Pennington at this address several times. On July 26, 2005 I was rudely awakened by one of these calls. My caller ID showed 877-896-0010. I called and spoke with a real jerk that finally said he would remove my number. Today August 5, 2005 I received another automated call! I again called 877-896-0010, got the name of the company, talked to a Wayne Mercer, and was again told that my number would be removed. I have now noticed that a message was left on my Call Notes on August 3, 2005. This company obviously does not listen to people that do not owe money, so I can see where they would not work with those that do! I am now documenting my communications with Calvary and strongly suggest that they do not call me back.
I just started getting calls from these people so i checked the internet to see who they were i got this site and decided to read through and am amazed at what is going on here and also amazed at the fact that someone is posting defending these people but wont say who they are. Now ill say this my $25 bill owed to sprint was lagit but was also paid to sprint and the paper work was faxed just as anonymous asked but was denied and they wanna charge me $185 for a 8 year old bill. well guess what im not paying $185 and the statute of limitations is up so this greedy company that is trying to collect out of date debts can shove it. Ya shoulda taken my money while ya had the chance!!!!
Some time ago, I had 3 cell phone lines with Ameritech Mobile Communications. About 6 months before the end of my contract, they turned ALL of my numbers off claiming that my phones had been "cloned" and were being fraudelantly used in other parts of the country, thus.....I'd have to get new numbers. I was extremely upset since I had had these numbers for a number of years, but I needed my cell phones bad, so I went in to an Ameritech Agent to get my phones re-programmed, and they put 3 new 2 yr. contracts in front of me to sign for the new numbers. I explained I'm not signing any new contracts since I was very dissatisfied with their service and would most likely be leaving them in 6 months anyway.
Again, they refused to reprogram my phones unless I signed the contracts.
I told them I wasn't signing anything..........and we left it at that. Within weeks.....I started getting bills for "cancellation fee's"! I called them and explained to them, that THEY were the ones who turned off my phones, I didn't cancel them and they were very insistant collecting this fee, as if I just cancelled my service out of the blue!
After going back and forth with their corporate heads at Ameritech, I thought the problem had been resolved.....however YEARS after the fact now, I have some moronic collection agency (Calvary) hounding me for these bills (supposedly from AT&T now).
They've also now put a "public notice" on my credit bureau this morning! I'm fed up with these company's and their "extortion tactics".
They called me a couple of times and I asked them to PLEASE take me to court. I guess they figured I'd cave in if they dinged my bureau!
If I owed the money......I'd pay it.
Owning a collection ageny is a crap-shoot. I guarantee the person who owns Calvary gambles heavily.
They buy a company's supposed "bad-debt" for pennies on the dollar and hope their extortionists can turn it into $$$!
I have had the unfortunate pleasure of being harressed by this company. They keep calling me and it is not I that they want. The person they are calling does not live in my home. I have asked this company to remove my phone # , they keep telling me they have and then a few hours later their auto dialer calls me again. They were upset up with ME because I RAISED my voice at them
So far I have talked with Michele, one whose name I can't find and Nicholas ( who is a supervisor) and most recently with Fred. They all LIE. I was told if you listen to message on the autodialer you can remove your # when you hit the # that is to tell them the person does not live in you home...not so another 6 calls after doing so..in fact today after yelling at Nicholas (who was very upset with my attitude) told me he removed my #, I received yet another call from them not even 2 hours later. This time Fred was upset with my attitude. Please Nicholas and Fred please explain to me why I should be pleasant to you after weeks of asking you to remove my # and telling you the person does not live here.
My mother started getting phone calls from "Heather Kelly" about six months ago for a SPRINT account my deceased father never had. After making numerous calls to the company, I finally got Cavalry to provide me with the last four digits of the social security number on the account. Those numbers did not match my father's! Cavalry assured me we would be removed from their list. Two months later, I got a bill in the mail from them. Again, after several calls, I filed a complaint with the Attorney General's office in my state. Just got a letter back from Cavalry's legal folks, via the AG's office, saying we have been "officially" removed. Let's see what happens. I at least have documentation if something happens down the line -- bad credit, continued calls or mail, etc. By the way, I documented every phone call to Cavalry (dates, times, individuals talked with, etc.). This helped me provide detail to the AG and share the "different" stories I got each time I called. I would suggest you fight them every step of the way if you didn't have or don't remember having such an account or past debt! I can say they were very rude and unprofessional with me every time I called.
Here's a good site with information about how you can send a letter and get places like Cavalry to obey the law.
http://www.budhibbs.com/cease_comm.htm
My wife and I have been recieving pre-recorded calls from this stupid company called "Cavalry Portfolio Services." I finally got some asshole on the phone who asked me if my social security # ended with a certain set of numbers which was totally incorrect. I informed this jerk that he had my name correct, but not my social. And yet the calls keep coming. I have had the opportunity to tell a menustrating bitch the same information. This time I actually found out the name of this piece of shit company. Can anyone tell me how I can get these cocksuckers to stop calling especially since I am not the person they are looking for?
It's sad to see so many Cavalry employees tried to justify their "Employment", you may want to consider getting a skill that benefits society.
Also it is up to collection agency to prove the debt, not for others to prove it isn't.
Follow the rules, I have sent a letter disputing a debt, stop the automated calls and "prove" that I owe anything.
I too am a victim of cavalry! They claim they purchased a charged off account from conseco mastercard. They can not prove this is my account and get this they are charging interest on the charged off account that is supposedly mine. AND all of you be aware that they informed me that they have now sold all debts to CAPITAL MANAGEMENT!!! so you can expect calls from them as well
my husband had an old sprint account. for 4 years we were not contacted on how much he owed the company and when we called sprint themselves no one wanted to help. so then out of the blue we start recieving phone calls from cavalry portfolio services. now my husband is in iraq so i pay the bills and take care of these type of phone calls. Most of the time i get someone on the line that i can not understand because the accent is so bad. and one time i recieved a phone call from a man stating he was from this company, he had kids yelling in the background and then asked if he could call me back when it was better for him. they call me probably 3-4 times a week even though a payment arrangement has already been made. and to top it all off they call me on a sunday. how rude is that. according to my knowlage they aren't supposed to call you on sundays. so i do belive that this company does work in shady ways. and it should be investigated and be closed. most bill collection places make sure that the information is correct before they start calling. but i quess not these people. i suppose they have nothing better to do. so to all the rest of you i sympithize i know what you are going thru and the sad thing is the debt was only $172. all of this BS for that. Unreal. and as far as the lady and her husband that works for this company i feel sorry for you and your family. you are not christians. and i can surely bet that the bill collectors call your house too. cause no one is perfect. even though some think they are. and for the person that says you need to be a grown up and answer you phone, when you have someone that calls and harrasses you all the time i wouldn't want to answer the phone either not to mention maybe this company should get some people that speak with out so much of an accent and learn to listen to the people that they are calling.and it would help if they weren't so rude on the phone when they are talking with you. i will be make a complaint to the better business beurou because of this whole situation. sorry that my spelling wasn't all correct. thanks for listening to my complaint.
I am commenting to this person's post... I too am in that boat. Only mine is one that thier claim is to a Conseco Classic Credit Card of which I have never owned. I have sent my own C/D letter and have had three others sent by attorney's. The calls and letters
no longer come but the postings on my CRA's continue and have been there for the full 4.5 yrs. There is interest or something (I have yet to fully figure how they have come to that fact) added each and every month.
I have never had validation from the company nor any proof that this so call debt is mine.
In the beginning when they got the 1st set of C/D letters from me/attoneys, they tried to turn the accounts over to CAPITAL MANAGEMENT . . WHO is another off branch of the same company only in Chicago I beleive. I sent them back with the comment that I would not deal with a 3rd party collector. And If Calvary is just that themn when the C/D letters were sent then they should have sent those so call debts back to the original companies. That is the law. But as we have all found out that Calvary does not like to play by the rules and as the Do by OLD Old out of date Debt they will try all they can to get you to pay and friends once you start that clock ticking again then it is you pay and pay.
Do go and read BUD HIBBS at BUDHIBBs.COM. This Site has been good but he has some good suggestion that will help.
Thanks for letting me share and I will keep a watch here for anything that I can help and share what knowledge I can.
Just remember they mainly buy up old outdated debt, large past due portfolios and not all the info they get is good. . in fact most of it is not. If they can scare you into paying then they will. . and make more monies off your old $19.00 from whatever that companies name was had long written off, Whatever most likely wont see any of that monies anyway.
Document everything, keep good records and watch your back. Listen hard keep you kool and let them trip themselves up. . you can record them to but be sure what you state allows 1st.
I have been fighting them 4.5 years and we do not have to prove to them that the debt is not ours.. . unless you have paid it off and can do so but to some of us who question they have to show is validation of the said debt not just thier word. Something on paper is the best way. And thus far as far as my sitution is concerned there has been no paper work sent this way except something demanding M O N E Y !
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I too am a victim of cavalry! They claim they purchased a charged off account from conseco mastercard. They can not prove this is my account and get this they are charging interest on the charged off account that is supposedly mine. AND all of you be aware that they informed me that they have now sold all debts to CAPITAL MANAGEMENT!!! so you can expect calls from them as well
# posted by Anonymous : 5:48 PM
Mrs Big Person at Cavalry--I can understand how you would defend your husbands so called job but quit calling everyone little people. Who do you think you are?? That's why you guys get your reputations. You treat debtors like they are less than. The truth is there are sooooo many collections people that do not follow the rules and are terrible people. I have to say that would be one of the last jobs I would ever take. I'd like to glance at a few credit histories of you "big peoples" I bet the jerks that are so demeaning have the worst credit reports than most.
learn how to spell its cavalry portfolio services l.l.c -- and let me add to that how much compassion does your landlord have when you dont pay the rent you promised, does the phone company have when you dont pay your bill or the auto loan company you use have when you dont pay those bills -- collections is a business--your a debter -- pay your bills and stop complaining -- by the way they do have a web site which i found by searching the correct spelling of the name off the letter they sent me and yes they did contact the wrong person but i had the same name and yes when i called them back they identified the error by checking my ssn against the debtor and the calls stopped perhaps you should get on the phone and make a call-- fool
To the person who wrote this:
I received a collection bill on an AT&T wireless phone which I paid in 2001 in full. I even have a letter from the company that states it was paid in 2001 in full. I faxed it to this inept company twice and they are still trying to collect. They are impossible to deal with and will not coperate. I asked them to fax me a letter stating they received my documentation and they refused. They are screwing my credit on an account that was paid over 4 years ago and have the documentation that states that and they are still persuing it. I spoke with my lawyer and am thinking about sueing them for their dishonesty and corruption. Things like this ruin your credit and cause monetry and mental damage. If I can't get a car loan, house loan, any loan or even a job because everybody checks credit they are responsible for this personal damage. So please if any one thinks they have a good case answer to my post and I may form a civil lawsuit. Thanks!
# posted by Anonymous : 11:51 AM
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You can write Calvary a letter, attach the proof of payment and place a cc at the bottom of the letter to the 3 Major Credit Bureaus and the Better Business Bureau. Then send a copy of the letter and the attachments to the 3 major Bureaus. The credit bureau will investigate and if they do not receive a respons in 60 days, they will remove it from your credit report and send you an updated copy.
I hope this helps
I'm so dang angry w/ Cavalry and it seems as though a bunch of people are. I'm not trying to "blow off" my debt; I'm trying to take care of business. I have called and called Cavalry several times and have left several messages for them to call me back. Not ONE person has called me back. In fact each and every time I call the number that I'm directed to call they say that their office is closed and the normal business hours are from 7am to 8pm. Well, I EVERY SINGLE FREAKING time I have called I have called well within those hours. I know for a fact that if I decided not to pay this bill they would be hunting me down like a dog. I just want someone to call me back and let me know the status of my account!!!! Is that so hard??!! I don't know about anybody else, but at my job if I do not call someone back I don't only have the customer to answer to but I also have my bosses to answer to. I do not like answering to people so I just try to do my job. And I wish I could talk directly to Mr. & Mrs. debt collector because maybe her husband could turn on his little computer and turn off their voicemail and answer a simple ass question. Instead I get to sit here and try to figure out who on this planet to I make a complaint to that will actually get me result? If anybody knows the governing company of these blood sucking, incompetent, stupid, LAZY, assholes I'd really appreciate it!!!!!!!
I just went to the BBB site for AZ and Cavalry has a very very bad reputation. I'm going to try to get in touch with them 1 more time. After that I'm going to the BBB and find out how to make a formal complain with their governing entity. I suggest everybody do the same.
I finally got intouch with Cavalry and they said they are charging me a 21% interest. I told them that was totally unacceptable and I called Sprint PCS and they are showing that I owe about $60.00 less than the original bill. I told Cavalry that I am going to take care of my debt through Sprint direct and stop dealing with them and their unethical practices. Cavalry informed me that even if I paid Sprint PCS direct that I would still have to pay the insterest at 21%. I called Sprint and they said I did not have to pay the 21$ interest rate, they said that if I fax them proof of all of my payments to Cavalry they would apply the dollar amount to my actual total due. I'm now looking into filing a complaint with the FTC. I'm under the impression that they are not to charge more than the actual amount due or more than the terms and condions of the origional loan. I believe Cavalry lies and from what I'm finding out from the FTC that is really bad and my result in a fine. The lesson I have learned is not to deal with a collection agency over an outstanding debt, but to contact the actual company and deal directly with them. I will be filing a formal complaint with the FTC....which by the way, the guy at Cavalry said that they do not have a governing agency...I told him he was full of it when every business has a governing agency through the federal government....what a dumba$$!!!!!
Out of nowhere,I received a bill from Calvalry saying I owed a bill to sprint for 1,067 dollars. We have never had Sprint. I called them and told them so. They said they would send us fraud papers. On the Fraud papers they sent us they asked us for our social security numbers, copy of license, etc. I do not know who Calvalry is, never had a sprint account, so I did not know who I was sending all my personal information to. I called Calvalry and asked them how did I know who they were and how I did not know if they were going to steal my identity etc. since I knew we did not owe this debt. This overpaid,ignorant $%#@ said I could call the attorney general and hung up. I filed the paper and forgot about it. Now we are trying to refinance our mortgage and guess what is on our credit report? We are now trying to dispute it and the only thing to do is to go through the three credit bureaus. Now I read this web page and am horrified to see how many people are victims of this bully organization. We will fight them tooth and nail. We do not owe this money.
And to MR. and MRs. Douche bag debt collectors: YOu are too good to be trailer trash. And Most people who claim to be so "Christian" are the most UN Christian people I know.
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
AND BY THE WAY. NOT ALL COLLECTORS ARE MEAN. I TREAT EVERYONE I TALK TO THE WAY THEY TREAT ME. IF YOU ANSWER THE PHONE WITH AN ATTITUDE YOU SHOULD EXPECT IT BACK. ANSWER WITH A PLEASANT TONE AND YOU MIGHT JUST FIND THAT ONE RARE COLLECTOR LIKE ME THAT ACTUALLY CARES AND WANTS TO HELP THE CONSUMERS OUT. IM IN THE SAME BOAT IN 10K IN DEBT I HAVE THEM CALLING ME AS A MATTER OF A FACT IM SUEING NAT'L ENTERPRISE SYSTEMS IN OHIO FOR BREAKING FDCPA OVER 4 TIMES. SO JUST LISTEN, YOU MIGHT FIND SOMEONE TO HELP IF YOUR LOOKING.
can you explain why when I am trying to take care of my debt they are charging me a 21% interest rate? That was not part of my deal. When I called Sprint direct they said if I pay the debt directly to them then they will not charge me a 21% interest rate. Tell me how that is legal when on all of the documentation that Cavalry has sent me states nothing about charging me interst. Tell me why the rep misinformed me of what would happen if I delt directly with the company I was in default with. I'm trying to take care of my debts, but do not want to get screwed in the meantime. And to be honest with you, some people have situations which cause their credit to fail...it's not always within their control due to personal circumstances!
You know what all u cavalry employees who are on hear trying to defend that shit company can eat shit i worked for cavalry and what u ahve said hear is bull shit the abuse that i recevied from cavalry management and a hr that did not give ashit and i broke laws in front of my manger and tested him if he would say anything and he got on the phn and broke the law too i made alot of money at cavalry but it was done the honest way not the way you are let to do i worked their for a long time and i made alot of money and not one day i got a thank you or a good job so fuck cavalry and its employees and mangers and every one with cavalry including steve anderson never have i been so harassed or mis treated as when i worked their i have worked for other agencys before so for u cavalry employees who think they are making real money their start looking for a new job becuse as soon as u start making money thats when shit hits the fan good luck dum asses
hears another tip for all the debtors that cavalry has contacted when u get a letter or a call ask them for the docs on your acct chances are they do not have them also for any one looking to sue cavalry by working their the intrest charged on accounts are false they have a sys that charges intrest at their own will
This is to the guy that USED to work for Cavalry, because I believe I can get a much better answer from him than anybody else. So what you are saying is the 21% interest rate they are just pocketing hopeing that I'm stupid enough to keep paying that without doing anything. I just looked up Texas Law and it expressly states that they are not to charge me interest. 1 other thing...other than the FTC where else do I go to complain about this. I already have a solution to my immediate credit issue by dealing directly with Sprint...but in the meantime, I really didn't like being raked over the coals like that. I'm a single Mom of 2 kids with no child support...I need all the pennies I can collect and if I can do something that can help someone else later then I want to go through with that. I would appreciate your feedback.
Thanks
Amen brother (sister?) Dunn. Those jerks at Cavalry should be reported to the ftc. Let the government deal with this and put them in their place. Let that bold-type rude Cavalry employee talk about the full force and effect of the U.S. Government as something that billion dollar company can handle. Good luck and good riddance Cavalry. You should be ashamed of how you try to portray yourself as a corporate citizen.
To "The Ghost of Curtis":
Your an ANGEL!!! Thank you so much....and FYI - I have reported them to the FTC and they aren't going to do anything in my case except make a note of my complaint, but they also said that if they get enough complaints they will launch an official investigation....so please...LAUNCH THOSE COMPLAINTS YA'LL!!
I like Calvalry.. I forced those bastards to write me a 3000 check for violations of FDCPA and FCRA. It was like taking candy from a baby. They even have the balls to try and sue me. Instead the judge forced them to pay me instead of the other way around. Keep it comin dirtbags I need another plasma TV
yep thats right they have an in house system that saposeidly calculates intrest but all the intrest goes to them i have seen accounts with 29% intrest and the debtor is in the military serving our country and the law prohibits that also their is no docs on the acct so they do not know the real intrest on the acct they just go by what they want i hope that helps you like i said before that is a bad company good honest people are treated like shit in and out of that company
RE: I need you all to know something....cavalry is a bottom of the barrel collection company but they are feeding off of peoples ignorance about the law. Each state has a statue of limitations on debt collection. For example, an open end account, which is like a credit card in PA the company has to charge off your account after so many months of inactivity. Once that happens the clock starts. In PA there is a 4 year statue of limitations. You do not have to pay that debt after 4 years. These companies buy these from the person you owe the debt to for a very small amount then try to get the full amount from you!!!! Please know your rights. Each state has a different statue of limitations and you can find them on the web by doing a search. They are trying to collect a debt from me from 12 years ago and I told them the law and requested that they don't call me back and they started yelling at me. If they call again I will turn them into consumer relations for harrassment.
THE PERSON RESPONDING TO ALL OF OUR COMPLAINTS DID NOT RESPOND TO MINE...WHY? BECAUSE I AM RIGHT. MSN DID AN ARTICLE TODAY CALLED "ZOMBIE DEBT COLLECTORS" YOU SHOULD READ IT AND KNOW YOUR RIGHTS.
Almost everyone on this site is bashing Cavalry Portfolio Services, well I have something positive to say about them. I am not an employee (they are the only ones that have something positive to say). I have two AT&T bills one with Cavalry and the other bill with someone else. Before my bill was sent to Cavalry AT&T was offering me settlement offers as low as 35% but I could not pay them because I didn't have the money. I spoke with Jaime (ext.24525) and she was very helpful and understanding. She helped me get the $495 settlement offer again (instead of paying the full amount of $950) and even broke it down to payments. So for those who are having problems with all the other reps contact Jaime. Maybe she will be more professional than all of the rest. By the way, THANKS!!! to the person who posted the phone number.
By the way, for those who work at Cavalry Portfolio Services who are posting these messages, you guys know how to contact each other managers or something. If you read all of these messages the majority seem to be about Ms. Heather Kelley! This chick really needs to be fired!!! So maybe you guys need to do something positive for your complaining customers and report this chick to your supervisor. I mean, these people have some dirt on this lady and she's making your company look really bad. Take the advice! This company probably have so many complaints, they'll be shut down in a couple of years and you collectors will be out of that "good paying job"(quoted by the no heart woman) and looking for another gig.
This message is for the person who said that they have been trying to contact Cavalry but keep getting the answering machine. I got the phone number from one of the recent post. I was able to talk to the representatives after hours (around 8pm eastern). So once again the numbers are 1 800 724-1757(during normal business hours) or
1 877 222-8257(after business hours). Hope this was helpful.
HA HA HA!!!!!Hey Mr.Zaro you better get ahold of your company befor its to late HA HA
This company has called me three times in 2 days and my ex who is on the old bill 8 times in 2 days. They have called me threatening my family and trying to make my husband believe that I am a naforious character and he shouldn't trust me. I never had a chance to call them and talk to them when they called Immigration and told them I was fleeing the country becuase of my debts. Thankfully it did no good becuase I have been working on my immigration documents so that I can be with me husband and kids long enough for them to know me and know I am safe. In the mean time, these people can go to hell. It's not even my debt. I admit I cosigned 5 YEARS AGO! Why havent I heard anything since! I wasn't the one who let the house go!
During a terrible divorce 6 years ago, I became unable to pay my bills. I accepted responsibility even for the bills my ex owed. However during the divorce, thanks to some shenaningans on my ex husband's part. I had to leave a $60,000 job and was unemployed for 36 months. Needles to say..my credit rating went down the toilet. Since his shenanigans have hurt my ability to get a better paying job. I have been making $20,000 per year since. 3 years ago Cavalry called...and since I do pay my debts I agreed. They have been deducting $50 every month. I don't get statements from them at all. Well today on Labor Day, I find out they doubled the agreed upon amount to $100. Shock to me...I don't know why or what is going on!
You need to file a complaint to the Federal Trade Commission and then contact your states Attorney General's office. I personally have contacted www.deanmalone.com and told those attorney's of what Cavalry is doing...maybe you can coontact them with your story. Maybe every body that is having a coomplaint with Cavalry can contact Dean Malone and maybe they can launch a class action law suit or something. But in Section 808 of the Fair Credit reporting act it does state that they cannot collect more than what the original loan was. (They are charging me 21% interest). Also contact all 3 credit reporting agencies and let them know what Cavalry is doing.
Please file all your complaints with the ftc and the atty generals office its time that we the people dont get screwed anymore by companys with no standers or reguards to people as for the lady who was amking payment's of $50.00 a month thats common practices for cavalry and i bet they told you that they would stop the intrest on the acct but that never happens the best thing u can do is change your acct num and mail in your payment's and report their actions to the ftc and atty general office
I am a collector for Cavalry. I would like to address a few of the previous postings on this site. I am not here to insult you. I am actually happy to see there are people out there who wish to educate themselves about the company and how to handle their debts. First, FDCPA DOES allow interest charges. It does state that you can not be charged more than what is owed, but what is owed includes interest. What they can not do is tell you your bill is $550 when it is actually $500 WITH the interest. Second, THERE IS NO TIME LIMIT ON HOW LONG A DEBT IS COLLECTABLE. What a statue of limitations dictates is the length of time you can be persued LEGALLY for repayment (I.E. Garneshments, accounts being frozen, leins, etc.). A debt is owed and can be collected on until the end of time. I have personally collected on debts that are older than I am. Third, as far as collection companys go, Cavalry is one of the best. There are many individuals that break the law and they are delt with. By in large, however, Cavalry takes great measures to try and make sure that does not happen. We are under constant observation and many people have lost their jobs due to breaking the law. What most of us do may not be fair or moral, but it is NOT illegal. Fourth, collections is not a "Below entry level job". Collectors make more money than most other professions. I personally have a degree in business and I chose to work in collections because it does pay so well. Many of my co-workers are the same way. A decent collector will average $35,000 - $40,000 a year (In Tulsa that is a very good living, if you want to compare that would be like making $60,000 - $80,000 in California or New York). A good collector can make $60,000 to $100,000. Fifth, you do NOT have to be contacted about a debt before it can be reported on your credit. Companies are required to contact you in writing either before or within 30 days of calling you. Before I get slammed for what I am saying, please keep this in mind. I am not trying to prove you wrong, just trying to educate you on why we do what we do. Make no mistake about it, we are here to make money and we make a lot of it. Every business is in business to make money. That is just a fact of life. Hating the company calling you about a debt YOU created does not solve the problem. In most cases you have the right to be angry and upset. We purposely irritate and try to get an emotional repsonse. That is the only way some people will pay back money they borrowed. Please keep in mind, however, the irriatating measures we take would not be nessesary if the debts had been handled the right way from the begining. We would not be able to buy distressed debt if people paid it the right way. The Sprint accounts are very flawed, we know that. Sprint is a horrible company and I do not recommend that anyone do business with them. Some information is wrong but they can be resolved if you talk to us and work with us rather than trashing us anonomously on a blog site. The worst thing you can do is ignore your debts. You credit is one of the most important things to maintain for a healthy and happy future. One bad account will no ruin your credit, but one bad account can lower your credit score enough to cause a higher interest rate on home and car loans. For example, a credit card with an unpaid balance of $1000 can lower a score 20-30 points. You home loan interest rate would then increase .25%. Over a 30 year loan that small change on a $100,000 loan will cost you $5000-$7000. You are paying for it one way or another. If you had talked to the collector about the $1000 they probably would have settled the account for $750. Which would you rather pay? I do agree that their are some collection companies out there that are ruthless and heartless in what they do, but not all of them. The vast majority of collectors and companys are very honorable and strait forward as long as you are honorable and strait forward with them. You start playing games and hiding from them, they are going to come down on you hard. They all have teams of lawyers.They know what they can do legally and what they can do without breaking FDCPA.
to the employee who just posted that comment,cavalry does break the law and hear is how i know a prevoius employee who got the compansued twice still was employed their and never was fired atleast not untill he or she quite i could name alot of employees that break the law i could name alot of mangersthat break the law lets just say i know alot about cavalry and the people on this sight have every right to say what they want to say about that garbage company just to let u know alot of complaints have been sent to the ftc so good luck when your put out of a job
I just recently started at cavalry ps in tulsa, and we are trained to go strictly by the law, and be very curteous with the customer. Dont get mad at us, pay your bills if obligated. but if its not your bill then you will have legit proof that its not yours.
I had good credit, I found an unpaid bill on my credit report from them. I never heard from them, & never got a bill. All my bills are paid.
Calvary generally does not do any reaearch on the debts they claim to buy. They are tring to collect from me for a name that is similar but not exaclty correct, at an address where I never lived and know nothing about, and for a product that makes no sense for me to have. When I tell them this and ask for a copy of account statements and a contract they tell me to have a good day and hang up. Calls start back up a day or so latter. Is this fair?
If you have a similar situation just tell them you will go get your records, put down the phone, and see how long they will hang on. It will waste their time and money since no calls are free. Don't bother to argue p- it i pointless. Don'task for a manager. They are worse then the lowlife collection agents. There is not much else you can do with people like this. If they have not sent you anything in the US mail it is because they have nothing but some computer listing from a company that is even more sorry than Calvery. It is not likely they could win anything in a legitimate US courtroom without a copy of a vaild contact with your signature. I am an attorney and am quite certain of that. I would really likely to go to court with them, but I don't think I will ever get that opportunity.
i got a job at cavalry phx office and i quit in training becuse of how things were their i heard people screaming on the phn at people and management lisening on the other end not saying anything i saw people pretening that they were atty and they are not some were saying that they were going to send the police to their home it was a horable place and i did not want anything to do with them
9/13/2005 Sue
I got to this blog after trying to figure out who keeps calling and leaving phone messages.
They are doing the same thing to me as others. I have never received a statement or bill about a debt. I have never even talked to a person because it is always a recorded message telling me to call them. I tried twice but went on hold, waited, andwas then told to cal back later. I work in sales and marketing and we would never treat a customer or client like that. If they think I will call back they are crazy. I also like the idea of calling them up and leaving messages with # to a whole group of people or putting the phone down if you get a person.
Good luck to all who are being harassed. I know what to do now and hope you do too.
CAVALRY EMPLOYEES LIE.
DO NOT BELIEVE ANYTHING THEY SAY. DO NOT SEND THEM YOUR SOCIAL SECURITY NUMBER OR YOUR PHOTO ID. ANY NEVER GIVE THEM A CREDIT CARD NUMBER. NOT EVER. CALL OR WRITE YOUR LOCAL CONGRESSMEN.
I just wanted to comment about the guy with the "business degree" who works for Cavalry. I hate to tell you that statute of limitations means after the statute of limitations rounds out then you are shit out of luck. meaning, if you had an auto accident you have 2 years to file that claim and collect damages if you wait longer than 2 years the insurance company and the courts are just going to tell you see ya. Rape has a statute of limitations of 4 years although I do believe that they changed it to a 2 year statute of limitation once they are able to identifiy the perp. But the point is...debt collection is no different than any other incident. And you made me laugh out loud when you said that you are happy that we are "trying" to educate ourselves. Because if you have read the samethings that I have read then you would see that Cavalry is boldly disrgarding the law! Not only that....My debt with Sprint is $322 and I do have a bill from your glorious company in the amount of $386. And when I have called the wonderful people at Cavarly, managers included they were as rude as you could get. They couldn't explain why they are charging 21% interest (I have gotten 3 different answers on that question) and they were supposed to send me my payment history (I have yet to receive that). And you know you can get more with honey than vinegar meaning ya'all don't have to be assholes...you state that if the consumers would just talk to you and try not to avoid you then you would treat them with respect. Well, look at it this way...You are calling their homes try treating them with respect. Some people just don't have the money to pay back...is that bad yes...but does it happen of course. But I do not think that harrassing people or try to get an emotional response out of someone like you stated is going to help matters. I do not think that a company charging someone a 21% interest rate and not be able to explain why is exactly ethical and you even stated youself in the example you posted about the misbilling being illegal and I'm a victim of your very unethical company. So infact instead of trying to put people down and trying to "education them" with your very limited knoweldge. Try reading the law instead of just listening to the peole in your office that makes shit up as they go along. Ya'all are worse than pondscum I swear.
To the attorney who posted a few posts up....Go ahead and try to get a class action law suit together...I'd be the first in line! Set a precedent.
And another thing...everybody needs to go read your rights...without knowing what your rights then you are powerless and are unable to help yourself!
DONT COMPLAIN, DONT EXPLAIN, DONT WASTE TIME. GIVE THEM BACK THEIR SLIME.
CAVALRY
888-568-0073
888-845-0146
800-724-1757
800-429-0535
877-222-8257
CALL THE NUMBERS ABOVE FROM PAY PHONES. KEEP THEM ON THE LINE. IF YOU GET VOICEMAIL LEAVE LONG MESSAGES TO FILL UP THEIR TAPES AND CONFUSE THEM. TRY PRESSING # TO GET THEIR DIRECTORY AND LEAVE MESSAGES TO GROUPS OF PEOPLE. YOU CAN ALSO ISOLATE ON YOUR FAVORITE AO (or is it AxxHxxx?) IF YOU HAVE ONE LET US KNOW THEIR NAME, CITY, AND EXTENSION. FIND THEIR HOME PHONE# AND PUBLISH IT HERE. THEY HAVE TO USE THEIR CORRECT NAMES WHEN CALLING. DO THE SAME WITH CAVALRY OFFICERS AND BOARD MEMBERS.
PUT THESE NUMBERS OUT ON THE WEB. USE BLOGS OR ANYTHING YOU CAN. GET PEOPLE TO CALL THEM. CAVALRY PAYS FOR INCOMING 8xx CALLS. IT WILL TIE THEM UP. IF WE GET A FEW GOOD POSTS THEY CAN GET THOUSANDS OF CALLS PER DAY. YOU MAY WANT TO USE LIBRARY COMPUTERS SO THEY CANNOY TRACK YOU BECUASE THEY WILL BE MAD. THEY KNOW WE CAN PUT THEM OUT OF BUSINESS IF WE ACT TOGETHER
To the recent post after Sandy. Good points but it doesn't matter. I like the comments by "Put Cavalry Away" I think it is worth a try. I am a Real Estate Attorney and a Class Action Suite is too difficult in this case. I am on this board because my wallet was stolen over 8 years ago and the thief has been able to order phones giving my ssn. The phone companies don't check, but are quick to give the account away once the debt gets over $500 and a year or two. I have been harassed for over 6 years and can do little except hope they take me to court. In my county they will be dismissed within 5 minutes after the opening statements. I will counter sue for time, costs, and aggravation and get maybe $5000 and they will pay all court costs but its not worth it to me. I think we should turn the tables and see how we can annoy and disrupt them. You will fill much better when you see how a blog put a collection agency into the deep blue sea.
hey lady why isnt your husband on hear defending his job becuse he knows that place sucks so does zaro ha ha ha !!!!!!
i work at cavalry and this place is a sweat shop my manger yells at people and threatend to sue a debtor if he did not pay his bill then i told him he just broke the law and he smiled at me said dont worry about it then he kept calling the debtor back and he was telling him that the attorny is sending a officer of the court to his work i put in my 2 weeks today
all u people are sad that post comments... just pay your damn bill or dispute it the proper way and this will not happen.. do u guys really have nothing better to do then start an anti cavalry website?
I sent registered letters for almost 2 years to Cavalry Portfolio disputing a $100 dollar Sprint debt. They never validated the debt and the CRA's they reported to "verifies" the debt through an automated system. I sent them proof repeatedly along with telephone numbers of people they could talk to at Sprint about this bogus debt. August of this year they finally sent the "debt" back to Sprint ang guess what? Sprint found their mistake from 3 years ago, and gave me free services this month for their mistake.Guess what? Cavalry sold the debt back to Sprint in February 2005, yet was still reporting it. I called and left messages repeatedly @ Cavalry to no avail. After finally threatening to sue them under the laws of the FCRA (I have retained all of my registered mail receipts)I finally got a return call. Funny...when they ARE WRONG you can't get them on the phone... Kim @CPS said "it will be off of your credit in 72 hours." I was sent a free credit report showing that it had been removed. So... Cavalry EMPLOYEES...there are people out there who have debts on their credit that don't belong to them. Your company is not perfect and spends too little time investigating possible mistakes. It should NOT take 2 years to fix a mistake.
Oh... I just left the message about getting Cavalry to remove the mistake from my credit report...I found that creditinfocenter.com is the best site for FREE info on how to fight companies like Cavalry. For anyone who is being sent a notice that shows you owe more than the original amount LISTEN UP! You do not have to pay! You can "settle out the debt" for the original amount you owe- but you must make an agreement so that after you pay it will be promptly removed from your report (It's a contract, basically) Use this Link:http://www.creditinfocenter.com/forms/sampleletter6.shtml
Also... for those of you who are being stalked for a debt that was not incurred by you: Make Cavalry VALIDATE the debt. They have 30 days to do so, and if they cannot it has to be removed from your credit. GOOD LUCK- [email protected]
I am glad to see Cavalry employees like to post to this blog too. Every time one of them writes something it is easy to see how they lie all of the time. One of their tactics is to make it difficult to dispute a debt. They do not send anything in writing to identify themselves or the details of the debt. If you are new to this board and the victim of a bogus debt DONT EVEN TALK TO THEM. Read all of the comments here from others who are also being harrassed. They LIE LIE LIE LIE LIE. If you get angry and try to explain why it is not your debt they will be certain to continue the harrassment. They know that some innocent people pay just to get rid of their harrassment and protect their credit.
Yes, I do have a business degree. Part of having a business degree is 6 hours of business law. There is a difference between criminal law (I.E. Rape, murder, assault) and tort law (I.E. auto accidents, DEBTS). The statute of limitations in every case is designed for LEGAL REMEDIES. If you rape someone and charges are not filed for some years, the legal statute may run out for criminal charges, but you can still hold them liable in civil court. Before you tell me I don't know the law, you should learn it yourself. You are VERY wrong about what you think is the law. I do this for a living. I know FDCPA backwards and forwards. A DEBT IS COLLECTABLE UNTIL THE DAY YOU DIE AND SOMETIMES EVEN AFTER THAT. WHAT WE ARE DOING IS NOT ILLEGAL. This blog site is a perfect example of why we talk to people the way we do. I tried to post information you can use and again you want to try and make excuses for not wanting to pay your debts. Also, your interest rate is what it is because of the contract you argeed to with whatever company your debt was with. For most Sprint accounts, the default interest rate PER YOUR SERVICE AGREEMENT is 21%. If you are not familiar with a default interest rate, that is the interest rate that you are charged when you default on the account (when you don't pay). It is usually higher than your account interest rate. This is perfectly legal. Every credit company has this included in the agreements you sign with them. Just take a look a credit card application. I never said we were illegally billing you. I said SPRINT made some mistakes. I do not work for Sprint. I have no affilation with Sprint. They had some problems due to large amount of non paying customers they have. When we purchase the accounts, we have to go through them and figure out what was right and what was wrong. For whoever keeps posting messages saying that they work for Cavalry and we are breaking the law all the time, you obviously are a liar. If you did work for us, you would know that calls are recorded and are being monitored by managers, site leaders, and auditors daily. There is no way you can openly break the law and get away with it anymore. At my site alone, eight people have been fired for FDCPA violations in the last two months. Bottom line is, the law is not being broken 99% of the time. You just don't like someone trying to get you to pay your bills.
The Calvary employees who keep justifying their actions pretend that all debts they have are legitimate debts. They know better. Why would I have a Sprint cel phone debt outstanding from 4 years ago if I have worked for Beel Atlantic/Verizon for 20+ years. We get our cell phones for free. The bill they are trying to collect is from an address where I have never lived and they can easily figure that out too. They have called me and left me over 100 messages over the past year. I would be very happy to go to court with them. They are liars and they harrass people hoping they will pay if they do not own anything. They are bluffing about taking people to court. How could they without a contract or service statements showing your name and at a valid address? Do not cooperate with them. Do not talk to them. Do not give them any pesonnel information. Play games with them like they do with you. Hang up. Or better yet tell them you will be back in a minute and put the phone down. They deserve it.
I got a call from cavalry pre legal dept they said i owed a credit card bill from 2 yrs ago i refinanced my home last year and nothing was on their showing derogitory they they told me that they were going to seize my home i asked for proof that i owed the debt then she told me that if she sends me anything she would not settel my acct then she got very rude and hung up on me i called back and asked to talk to a manger and they transfered me back to her i told her i want the proof that i owe this debt and she can have the attorney call me if i am being sued any one who gets a call from cavalry ask for the proof first
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
Working at cavalry was the worst experiance i ever had i worked their about two years ago and i was being sexualy harassed by another employee and my manger and they never got fired and i even showed them the sick letters that they were leaving on my desk and their hr dept never fired him for it i think they might still work their i quit right after that. that place your right is a sweatshop
If you never have had a SPRINT ACCOUNT then GET A POLICE REPORT AND SEND IT TO US.. IT WILL GO AWAY we dont make up bills we buy them that is sprints fault not ours.. so if it is not yours police report stating fraud and mail to az office
its that simple
My husband is in the military and had a sprit account 6 years ago, which he paid off when his contract was up. However, we just we to purchase a new car yesterday and applied for a loan through his bank. When he called to check on the loan to see if he was approved they told him that he had a debt for sprint for $30. The collection agency that has this debt is Calvary Portfolio. He doesn't owe anything on his sprint bill. Needless to say that because of this stupid crap we did not get the car loan from his bank. I know it is only $30 but this crap ruins peoples credit and makes them look like shit. We are going to take this to the fullest extent to get this off his credit or we are going to go about it the hard way. Life is too short to let people get over on you and screw your life up. CALVARY PORTFOLIO YOU WILL BE HEARING FROM US!!!!!
If Cavalry is unjustly after you for a debt consider legal action. It could be very easy to win damages with a good legal firm that specializes in collection agencies. Buying debts from someone else is not a defense for improper behavior (as our MN Cavalry watchdog has implied a few posts earlier).
If you have a health problem such as hypertenion, arrhythmia, etc., you (or your heirs)could have a goldmine. Calvary has significiant assets. In some states (e.g. Massachussets (General Law c.269 s.14A) as little as 3 calls can be grounds for a harrassment suit. 50 or more will be a cakewalk. You can also include your State Attorney General for a "DO NOT CALL LAWSUIT" as well as the National Program. Cavalry is not exempt if the debt is not yours and they have used no due dillegence [which is usually the case with them}.
Document all activity with Caller ID service and a display unit. If it is LED and the data is subject to a loss of power or storage size use a camera to take a picture. Most cheap digital cameras will work fine. Many phone companies (especially cell phone)can give you caller id details on your monthly statement. Inquire about Call Trace Service (usually *57 )and other caller id services (*69 return call etc). Some are small extra fees but worth it when you win a law suit against Cavalry.
Cavalry uses multiple phone numbers and caller id blocking at different times. They are aware of the potential trouble they could have. Their automated messages will give their numbers depending on your responses to their questions. Be sure to get an audio tape unit for recording all of their calls. This may be an option on some answering machines. Automatic dialing systems with recorded messages are also illegal in many states and can results in additional fines above those of human telemarketers.
Do your homework. The lawsuits can be very satisfying. I am not an attorney, just another innocent victim.
9/18/2005
The problem with what was stated above is that cavalry is well aware of the call limitations in Mass. Our phone system actually prevents us from calling Mass. The law actually states that we can not call and talk to you or leave a message more than 2 times in a 7 day period. We can call you up to 7 times a day if you never answer the phone. There is no such thing as a do not call list for debt collection. That is for telemarketers. You can send in WRITING a C&D. Going up the line, one $30 debt will NEVER prevent you from getting a car loan. You have to have other things for you to be denied a car loan. And if that $30 is all that was getting in the way, why didn't you just pay it? Who ever posted that I can't take the heat, I am not the one losing my temper. I have not wrtten one curse word or personnally insulted anyone. Yes, I have talked down to people. If you want to act like children, then you will treated as such. You want to play games on the phone and yell and curse, then you will be treated like a child. The person who claims to be an attorney, I hope you don't handle yourself in court the way you do here. Why are you so angry? And I don't know what "shit" your talking about. We made close to $100,000,000 last year in collections. We are on of the largest and we are not in any trouble. All I keep seeing on here is ways of not paying your debts. Why don't you guys take a real novel approach and actually PAY YOUR BILLS? Did your parents not raise you right? If you say you didn't have an account, get mad at the original creditor for reporting a false debt or yourself for not doing something about it. Accounts don't get created on their own. Either you created the account or someone else did in your name. They don't just appear out of no where. There are no innocent victims. If you are being called, its because you haven't paid a bill. Using the law to try and get out of paying will not work. What you are going to cause is a change in the laws to where you will have less and less rights. The recent changes in the bankruptcy laws are a perfect example.
Our Cavalry Stooge is back online with more lies. My account did come out of nowhere. I don't know anything about it and that is all there is.
My attorney has advised me not to fill out a dispute form until I get their "proof of debt" in writing. Why should I let them correct bogus information? I want to go to court with the information they have.
I am collecting data on every call they make. I have contacted my state representative who co-sponsored the DO NOT CALL legislation. He is working to amend the law to treat Collection Agency as violaters if the debt is proven to be non-existant in a court of law. They will also amend the number of times per period and total times to make the same call from the same company. Computer controlled recordings will get additional penalties.
I do not live in Mass. I live in a much bigger state and it will be much harder for them to do business here when I am done.
Ihope the many others on this board who are being harrassed for debts they do not owe will take similar action. Together we can put them out of business. It is only right. They deserve it.
Hi Folks,
The Cavalry employee is lieing when saying "If you are being called, its because you haven't paid a bill". You see I have never received a bill from anybody including the phone company and Cavalry. The person who stole my identity and got a cell phone did not want me to get an invoice because I would have called the phone company. Others on this board reported the same problem. Cavalry does not send copies of past bills out because they don't have your correct address on the bill They know this would not hold up in court. They want to scare and harrass innocent people into paying these bogus bills. They know there are many innocent victims. They just don't care.
If you think Calvery can post a debt to any of you over 7 or 10 years you are wrong. They tried to bill me for a sprint bill that was 10 years old that i had already paid and my credit bureau said the bill was never posted. Those ass-holes... Don't pay um... smile
ps yes i work for cavalry phx office
I think we are beginning to see what the Cavalry employees are really like. One of them had one time made a few decent points, but the current rantings and foul language are a much clearer indication of whom we are dealing with.
A few tips from a previous collector:
It's so important to get any settlement or payment arrangements in writing before you make any payments; this goes for any company you might be dealing with. When you have finished paying as agreed, make sure to get another letter indicating that you have satisfied your obligation in full.
Check your credit reports regularly. If you antipicate going for any kind of loan or a mortgage, pull your credit reports as soon as you know. Do NOT wait until you get to the bank or car dealership. They don't always show you the reports they pull, and if they do, you can't always be assured that they haven't made "adjustments"(To "help" you qualify for their loan. While it might help you get a loan you might otherwise have not, it doesn't show things on your credit reports that the next creditor might not be so forgiving of). And if there is anything negative on your reports, it's usually too late to take care of them in time to get the loan when you were planning to.
Always check your credit report after you've satisfied an account. It usually takes 30-90 days for the credit bureaus to receive and process updates from the companies you've paid. If your reports haven't been updated properly, contact the company you've paid, as well as all three credit bureaus and dispute. Show them the letter of satisfaction.
If you receive a collection notice or see a collection account on your credit reports for something you didn't purchase and suspect foul play, contact the credit bureaus immediately and have a fraud alert placed on your credit reports. If the credit bureaus receive a copy of a valid police report, they have to block that account from being reported. You should then follow up with the company to see how they plan to help you resolve your dispute. Usually a fraud packet is involved.
KEEP ALL DOCUMENTATION. Keep as much as you can, for as long as you can. It might seem unfair to have to keep credit card bills and bank statements from 10 years ago, but it goes a long way in resolving disputes quickly and in your favor.
If you get a harassing call from a collector, contact the Better Business Bureau. Most collection companies respond pretty quickly to the BBB complaints.
If your dispute is not being resolved in a timely fashion, contact the BBB. They seem to get far fewer complaints than they should.
If you get a bill for something you believe you don't owe, call and ask for written documentation proving that you owe the bill. Sending a written request is always a good idea too. Ask for any and all documentation you believe to be relevant to your dispute, and don't settle until you have received what you asked for. Many times though, the company is unable to furnish the requested documents, and will "put you off" as long as they can. I've seen that happen over and over. But the smaller the balance, the greater the chance they will just close the account.
If you send a written cease and desist order (this can be worded in any way you see fit, as long as it's clear that you don't want that company to contact you anymore, but profanity usually leaves people scratching their heads, so try to at least be direct), the company can no longer contact you by phone or mail. The account will remain on your credit reports until paid, or disputed, resolved in your favor, and removed.
Am I going to be screamed at like all the other collectors that have posted here? I don't think I've said anything terribly controversial or upsetting, and I know how difficult it usually is to deal with these kinds of companies. It's horrible to be on the other end of the phone, with someone screaming at you, upset that they can't feed their children or pay their mortgages. I had someone threaten to kill me once. You're monitored very closely, and if you don't say the things they want you to say, or try to actually help people, you're usually canned. Needless to say, I'm no longer there.
i have been reading these comments and i have to agree that calvary is a horrible company. they have been calling me about a car that was repossessed. well i have never had a car repossessed. to you calvary employees, i answer my phone i return calls and i should not have to prove a debt is not mine when your company is obviously pulling names out of the phone book, phishing, trying to find an individual who has the same name. the first eight times i told them it was not me. they even gave me the last four of the other guy's social and i told them it was not me or my social. they said they would take me off their list, eight times, and i'm still getting calls every two to three days, and this is five months later. this is harassment through and through. if your company is so ethical, why don't you do some real research to find the people you're looking for rather than hound innocent people? i wish enough people out there could get together to file a class action suit against your company. you should 'prove' that you have the right person before you start harassing them. NOW STOP CALLING ME!!!!!!!!
I always love being called a stooge. If you don't live in Mass then why did you quote Mass law? My quess is that you were trying to sound like you caught us doing something that we did not do, IE break the law. What you are saying now is that you are trying to get the laws changed so what we are doing is illegal. That would mean that what we are doing is NOT illegal. All your doing is making credit harder to obtain in your state. When bills are harder to collect on, credit company's are less inclined to issue credit. In other words, if they don't have recourse, they will be less likely to take a chance on someone with a lower credit score. The "DO NOT CALL" legislation that your speaking of will be very difficult to change. The only way it got passed the last time was because they included a clause that exempted company's that you have previously done business with, like creditors. And no your debt did not come out of no where. Someone created it. If it was you or not is your responsibility to prove. If you were a victim of ID theft, do something about it. To the moron who supposedly works in our phoenix office, if you can't contribute something useful, shut up. I doubt you work for us anyway. If you do, your more than likely about to get fired, or a your just pure idiot.
you know its not the employees that make the company bad its our management and upper management assholes who make us what we are beleave me us collectors have no controle over anything all their stupid moves affects us and they are told and they know about all dispuites all they due is send the account to another collector and erase all the notes on the accounts and the new collector that got the account does not have a clue what happend on the account before thaty got it so to all the management or upper management fuck you ! PHX EMPLOYEE
My husband and I just received a voicemail this morning from Cavalry. It took me several times listening to the message to even understand the name of the company. I called them back, and apparently we owe money for an old cell phone bill? This is news to me. I'm afraid to make a payment on it now, after reading all these messages. I don't know what to do, because I'm afraid I'll just be throwing my money away.
ask for proof first that you do infact owe this bill do not give them any money untill they send you validation of debt and make shur that they have not tacked in intrest on the account good luck
Anyone being harrassed by this company
should contact the Fair Trade Commission,they oversee companies like
this,also contact the Attorney General's Office and file a harrassment charge against them. Be sure to send copy's of everything recieved by this company to them.
They have rules and regulations they
have to follow as found in the Fair
Debt Collection Practices Act.
They can only call you once in a 7
day period(any more than that it is considered harrassment).
They can only call a third party once and only once for information on you.
They cannot threaten you in any way.
You can write a cease and desist letter to the HQ. They are not supposed to contact you further after recieving the letter.
Be sure you send it return reciept
requested..they will have to sign for it..therefore they can't say they didn't get it.
I too had a Sprint account and since making many calls international I had to pay a large deposit. Then I closed my Sprint account only years later get a phone call from you guess Calvary. I tried contacting Sprint they said since it was so long to contact Calvary. Which of course I did and needed to send them a fax requesting the archives to show that I had paid this large deposit...guess again I still have yet to receive anything from Calvary. I don't have a phone since our home was destroyed in the hurricane and I work nights so I can't call them on the phone to discuss this further. All the people whom have responded on this website defending them because they work there what is a consumer to do if you follow the appropriate channels that were dictate by Calvary but get nowhere!
They want my banking information, I am reluctant to give it out, especially over the phone. We are also living in Canada now, does that affect the situation in any way? I don't even know where to turn to find out what my rights are.
Do not give out any of your information over the phone. There is a
statue of limitations on collecting a
debt by a Collections Agency, call a
lawyer to find out what your situation
might be (they don't charge for a phone call). If you have a legal aid
department in your Court House go to
them.
I believe I read that the limitation
was 7 to 10 years depending on the bill.
I can only repeat what I said before
Write or call the Attorney General's
Office and file a complaint. They have
a form you can print out on their
web site.
You can file with the Attorney General's Office in your state.
Believe me they will investigate I've done it before. You can also
write the Fair Trade Commission and
file a complaint.
If enough people file against this
company maybe it can be shut down.
Sooo...FILE,FILE,FILE
To:
My husband and I just received a voicemail this morning from Cavalry. It took me several times listening to the message to even understand the name of the company. I called them back, and apparently we owe money for an old cell phone bill? This is news to me. I'm afraid to make a payment on it now, after reading all these messages. I don't know what to do, because I'm afraid I'll just be throwing my money away.
# posted by Anonymous : 12:59 PM
and
I too had a Sprint account and since making many calls international I had to pay a large deposit. Then I closed my Sprint account only years later get a phone call from you guess Calvary. I tried contacting Sprint they said since it was so long to contact Calvary. Which of course I did and needed to send them a fax requesting the archives to show that I had paid this large deposit...guess again I still have yet to receive anything from Calvary. I don't have a phone since our home was destroyed in the hurricane and I work nights so I can't call them on the phone to discuss this further. All the people whom have responded on this website defending them because they work there what is a consumer to do if you follow the appropriate channels that were dictate by Calvary but get nowhere!
# posted by Anonymous : 2:11 AM
My suggestion would be to fax them another request for ALL documentation, not just a charge-off statement, showing that you owe the bill. Also, if you haven't already, ask for the open date on the account. It's possible that this is a new account that someone opened without your permission.
Try to resolve your dispute with the original creditor. Sometimes it's easier to do this, and if you have a letter of account closure, forgiveness, or satisfaction from the original creditor, the new company must close the account immediately. The company that owns your account now will tell you that you have to resolve the dispute with them, but it's a much more difficult route. That said, some of those cell phone companies can be really difficult to deal with.
If you make any payments on the account, it's considered accepting responsibility for the debt. Please don't expect to make a payment to just "make it go away." Once you've done so (therefore accepting responsibility for the account), it will be reported on your credit reports as a paid collection. There is usually very little one can do to have this removed.
If you have more specific questions and you think I've been helpful, please don't hesistate to ask. I'm here to help.
It is actually the FEDERAL Trade Commission and you can file a complaint at:
https://rn.ftc.gov/pls/dod/wsolcq$.startup?Z_ORG_CODE=PU01
If you select IDENTITY THEFT
You can decribe Cavalrys methods in item 2; You can indicate you are being harrassed by a Debt Collector in Item 3; and name them in item 6. You can go back to www.ftc.gov and review legislation and get contact information.
The FTC exists to protect the public. We can and will get the laws clarified/changed on Federal as well as State levels. Anything more than 3 calls to an innocent victim of identity theft is harrassment and Massachussets has wisely clarified this. The use of audio recordings on the phone is also not acceptable as in Washngton state.
Lets contact our representatives in the other States as well as on a Federal level. Most of our representastivs will be very glad to be advocates for innocent consumers. It is a no brainer. IT IS ALSO THE RIGHT THING TO DO. 9/28/2005
For those people who say that if it's
on your credit report it must be your
debt,WRONG!..Because they use your SS
number to verify the debt WRONG!!
Case in point, It took me over two
months to clear my Husband's credit
report for bills that were my Son's.
My son's name is the same as his fathers,after his divorce he lived
with us for a year,hense our address
was associated with his bills.
Are you following this?
Two of the company's he owed put a
statement on my husband's report.
They didn't check age or SS numbers
to see if they had the right person,
they just saw the name and address
and assumed it was my husband.
I wrote both of the company's and told them I would sue them if they
did not retrack the statements from
my hudband's report,I also wrote all
of the credit report company's and
told them of the error.
Quess what? Now I'm getting calls from (you quessed it)Cavalry!!!
I sent them a letter with the last
known address and phone number of my
son,and was told three days ago that
the information was recieved and I
would not be getting any more calls.
I've had four more calls in the last
three days. SO MUCH FOR THEIR WORD.
I'm dealing with the AZ. offices.
I'm sending a cease and desist letter to each of them(certified with return reciept)informing them
that I will be sending a letter to the Attorney General's Office if I recieve any more calls from them.
For the person who said the Attorney
General's Office had better things to do than to listen to our grips.
IT'S THEIR JOB TO INVESTAGATE FRAUD!!
If your not doing anything wrong you
have nothing to worry about.
Sprint tried to charge me for using the internet for a WHOLE month. I never knew my phone was always online. I only used it once to talk to some friends on AIM and the I logged off. Later I was beginning to get IMs to my phone. I didn't know why, but I ignored them. I was over at a friends house where he said that my AIM was online. We sent my sn a message to see who the other person was. It was my cell. I signed on (my phone said I was signed off!), logged off AGAIN, and I was still online! I turned off my phone and turned it back on. We noticed that it logged me off. A few minutes later I was back on. I didn't have any automatic logon enabled. The bill came in a day or 2 later. I called sprint about the issue. I got my phone disconnected until they would "fix" my issue. What did Sprint do to "fix" my issue? They sent to me Cavalry. I talked to a bunch of people from Cavalry and told them my issue. "Ok, I can lower it from $500(?!?!?!) to $250"... what that representative meant was a FIRST PAYMENT of $250. I ignored his phone calls thereafter. Then another rep called to say that I can do payments... ok... but the low payments added back to the original $500... Never returned their calls... Someone else was doing the same thing, but now it was going to total $250 in 3 payments. Ok, no problem. I tried to call them back they were working my sleep hours. I got a final rep to take care of this and he told me that there were no notes of any lowered price. The only notes were that on my case was that I would make payments for $500... I would make payments for $250 now and then be charged another $250 down the line. This rep finally fixed everything so that all I owe is $250 PERIOD. I am going to pay it and then take Sprint to court for messing up my credit. Sprint never informed me that I was going to collections. I would call once a week to see what the status was. I always got "In process"... and then they didn't know what was happening... I went to collections. Thanks alot Sprint-turds!
I am not sure who all the people are on this BBS, but first let's understand a few things:
1) If you are delinquent on a debt, then someone will probably try to collect on it.
2) There might be some very legitimate reasons you are delinquent -- medical emergency, business loss, loss of employment, etc. Talk to a credit counseling company, but check their reputation first. If you are being harassed by creditors or collection agencies, you probably will want to get an attorney involved.
3) Know your rights under the Fair Debt and Collection Practices Act. If you have an outstanding debt that has passed that statute of limitations in your state, then you cannot be sued for that debt, no matter what anyone says. Furthermore, it is to your best interest 'not' to discuss this debt with anyone other than legal counsel, should you want to, because in some scenarios, it can reopen the statute date (though probably not -- best to be on the safe side).
4) If you choose, send a certified cease and desist letter to any collection agency to quit calling or communicating with your friends, family, employer, or yourself. They must respect this letter. Failure to do so can result in fines and even allowing your to sue them for harassment.
5) Once a debt is classified as delinquent and reported on your credit report, it stays on your credit report for 7 1/2 years, whether or not you pay it off, or settle. If you pay it off early, that will help your FICO score. If you settle, it will be reported on your credit report that you settled for less than the amount stated, but that the debt is resolved. Finally, if you have a very old debt, but where it is not at the 7 1/2 year mark, then paying it off might not be in your best interest. The reason is that once the debt comes off your credit report due to age, then your FICO score has increased. If you pay it is off or settle after it is off your report, it could re-appear, only to hurt your FICO score. So, you have to really be careful in this scenario -- see next item number.
6) Credit collectors come in all flavors. They are in business to try to collect on a debt. Some are reasonable, some are mediocre, and some are below rude. If you find that you are talking with a rude or mediocre or unreasonable collector, or anyone for that matter, just hang up the phone and send a cease and desist letter, certified mail with return receipt. Give it about 7 to 15 days to be processed. No one needs to be ridiculed or berated. Don't give in to the temptation of saying anything back.
7) Credit and collectors will mention that the call is being monitored and recorded. Request that it not be recorded. Remember: anything you say can be used against you.
8) Being delinquent on debt is maddening to most people. The vast majority of people are basically good, and want to pay their debts. However, circumstances do arise at times that can be financially debilitating. Remember: you must do what you must that is in your best interests. If the choice is between affording your medicine or succumbing to the threats of a bill collector, get the medicine. If it is a choice between paying the rent, or buying food, or affording your kid's daycare, do the obvious -- pay the necessities of life.
9) If you can pay something, then here is my suggestion. Get a third party involved. Bill collectors buy their debt often at 10% of face value, or less. If they get 50% of the face value, they are heroes to their company. A neutral third party that represents your interests can negotiate without emotion or the stress caused by the financial distress you are incurring. For example, if you can afford an attorney, they can help negotiate on your behalf. Whatever you tell your attorney is privileged. That means it is confidential, and your attorney cannot tell anyone what you tell him or her. They can help negotiate, or if you want, tell the bill collector to stop contacting you. Or, you can request that the bill collector only contact you through your attorney.
10) Credit counseling companies are in full force. They will be even more prevalent once the new bankruptcy law comes into play on October 17th. Check out the reputation of such firms with the BBB. Most will charge a fee. It should be in the neighborhood of $25 per month during the course of your debt consolidation and rehabilitation.
Lastly. Don't panic. Don't fret. Bill collectors will do what they do, just like you do what you do. Part of what they do is psychological gamesmanship. If you are not in a financial position to work anything out with them, then don't talk with them. However, at least send a cease and desist letter certified mail with a return receipt. And, again, I highly suggest, that if you can obtain legal counsel, do so. Perhaps you do not want to file for bankruptcy, and that is good. But you might still be financially insolvent. If you are, do not give up on your well-being for the sake of bad debt. At the same time, understand that whomever you owed the money to wants either to get repaid (preferrably) or to punish you by hurting your credit rating. Just do what you can, and the rest will fall into place. Just don't get emotional, or you 'will' make mistakes that could be costly.
All I can say is be very aware of what is going on with Calvary and your account. I had a credit card that I fell behind on. The debt got sold to Calvary and I made a deal with them to pay off the debt. I sent them 3,000 (500 less than the original amount) in the form of a money order. I assumed everything was fine because 2 years went by and I had heard nothing. Then, two months ago, I get this judgement taped to my front door telling me that I am being sued by Calvary. Sadly, all the paperwork I had from making the payment had been losed in a flood just after I had paid the darn thing off. Long story short, I have been making monthly payments of 75.00 per month to the law firm that represents Calvary. However, that was not good enough and now they have garnished every dime I have to my name (4800 dollars) Talk about freaking nightmare!
Not sure about your situation, but here are some facts about judgements and law suits. Generally speaking, you cannot have a judgement placed against you without being served a notice by a court of law to appear before a judge for a civil trial. If a judgement was placed against you without your knowledge that you were to appear in court, then you should immediately seek an attorney's advice and have that judgement set aside. Typically, there is anywhere from a six month to one year time frame from the date a judgement has been issued for that to be contested under such circumstances.
It is possible that you were never served notice that you were being sued, but that the documentation was forged. That is easy enough to prove.
If you paid the settled amount, you can obtain copies of such proof via your bank that the sums were paid. If you paid by certified check or money order, that information is also available from the bank or firm you purchased the money instrument from.
It sounds as though there is more this story than you related here, but if that is all there is, then fight it tooth and nail. Filing a fraudent judgement is a criminal act. Furthermore, the sum you mentioned would be high enough to be considered as grand theft under most state's criminal codes. You should seek legal counsel immediately.
I do have a credit card debt, but is this a ligitimate company? They said they would send me information for electronic checking withdrawal. I haven't heard a thing? How do I find out more about the company.
THIS IS A MESSAGE TO ALL THOSE CONSUMERS THAT LET LATE BILLS GO TO COLLECTIONS HERE IS SOMETHING YOU SHOULD KNOW: 1) YOU SIGNED THE AGREEMENT, YOU NEW EXACTLY WHAT WOULD HAPPEN IF YOU DID NOT PAY ON TIME, YOU ALSO HAD THE OPTION TO DECLINE THE OFFER. 2) YOU DO HAVE RIGHTS HOWEVER A VERY LIMITED AMOUNT OF CONSUMERS EXERCISE THEM OR EVEN EDUCATE THEMSELVES ON THEIR RIGHTS (MOST JUST MAKE OUTRAGEOUS CLAIMS THAT THEY KNOW THE LAW WHEN IN FACT THEY ARE COMPLETELY UNEDUCATED IN THE LAWS). 3) BY LAW YOU DO NOT HAVE TO BE CONTACTED BY DEBT COLLECTOR ABOUT YOUR BILL (LAW STATES A DEBT COLLECT MUST SEND 1 NOTICE W/ A 30 DAY VALIDATION PERIOD TO YOUR LAST KNOWN ADDRESS, NOTHING STATED THAT YOU HAVE TO RECEIVE IT, ADDITIONALLY DEBT COLLECTORS AND THEIR SUPERIORS *DO NOT HAVE TO TALK TO CONSUMERS*). 4) DISPUTES ARE ONLY VALID IN WRITTING AND NEED PROOF (CLAIMING DEBT IS INVALID IS NOT A VALID DISPUTE). 5) HARASSMENT IS DEFINED BY THE INTENT OF THE ACTION, *NOT DEFINED BY THE CONSUMER*. 6) COLLECTORS HAVE RIGHTS, A CONSUMER CAN BE SUED FOR HARASSMENT!!! IN OTHER WORDS BEFORE YOU MAKE ACCUSATIONS EDUCATE YOURSELF, TOO MANY PEOPLE GET UPSET OVER THEIR DEBT AND TAKE IT OUT ON THE WRONG PARTY. I HAD A DEBT WITH SPRINT AND THIS COMPANY HANDLED IT PROFESSIONALLY, AS MUCH DID NOT WANT TO PAY FOR IT AND WANTED TO GET OUT OF PAYING IT I STILL KNEW IT WAS OWED.
It seems Sprint PCS is at fault with this also. After reading everyone's comments, there is an awful lot of Sprint cell phone bills that people don't have any knowledge off, hmmmm? I am one of them, I have NEVER owned anything from Sprint and yes I DO PAY MY BILLS, but this sprint bill that was sent to Calvary is straight out fradulant and something is going on here!!! Give it time, somebody from calvary or Sprint or mutltiple employee's will go down over this, mark my words!!
This opinion will be unpublished and
may not be cited except as provided by
Minn. Stat. § 480A.08, subd. 3 (2004).
STATE OF MINNESOTA
IN COURT OF APPEALS
A04-2501
Sharon Y. Young,
Relator,
vs.
Cavalry Portfolio Services LLC,
Respondent,
Department of Employment and Economic Development,
Respondent.
Filed October 4, 2005
Affirmed
Gordon W. Shumaker, Judge
Department of Employment and Economic Development
File No. 16947 04
Sharon Y. Young, 255 West Maryland Avenue, St. Paul, MN 55117 (pro se relator)
Patrick J. Casey, 408 St. Peter Street, Suite 210, St. Paul, MN 55102 (for respondent-employer)
Linda A. Holmes, Minnesota Department of Employment and Economic Development, First National Bank Building, 332 Minnesota Street, Suite E200, St. Paul, MN 55101-1351 (for respondent-department)
Considered and decided by Kalitowski, Presiding Judge; Shumaker, Judge; and Forsberg, Judge.*
U N P U B L I S H E D O P I N I O N
GORDON W. SHUMAKER, Judge
By writ of certiorari, relator challenges the order of the Department of Employment and Economic Development's senior unemployment review judge disqualifying her from receiving unemployment benefits. Because the record reasonably supports the decision of the senior unemployment review judge that relator committed misconduct, we affirm.
FACTS
Relator Sharon Young worked for Cavalry Portfolio Services, a collection agency, from June 12 to August 30, 2004. Cavalry’s employee handbook states, “A no call no show absence of two days from the workplace constitutes job abandonment and is considered a voluntary resignation. The employee’s separation date will be considered the last day worked.” In a signed statement dated July 21, 2004, Young acknowledged that she had read the handbook and knew that she was responsible for complying with it.
In the seven weeks Young worked for Cavalry, she missed work seven full days and left early on three other days, according to Cavalry’s records. On August 27 and 28, 2004, Young did not report to work and did not call in. The next time she returned to work, on August 30, 2004, Cavalry discharged her for job abandonment. Young worked less than a month at another collection agency before applying for unemployment compensation from Cavalry’s account on October 17, 2004.
An adjudicator from the Department of Employment and Economic Development determined that Young was disqualified from receiving unemployment compensation because Cavalry discharged her for employment misconduct. Young appealed the determination, and a hearing was set before an unemployment law judge (ULJ). The ULJ affirmed the adjudicator’s ruling, and Young appealed the ULJ's decision to the senior unemployment review judge (SURJ). The SURJ affirmed the ULJ's decision that Young was discharged for employment misconduct and concluded that Young was disqualified from receiving benefits. This certiorari appeal follows.
D E C I S I O N
On appeal, we review the decision of the SURJ, not that of the ULJ, and give special deference to the SURJ’s decision. Tuff v. Knitcraft Corp., 526 N.W.2d, 50, 51 (Minn. 1995). The determination of whether an employee committed a specific act of misconduct is a question of fact. Scheunemann v. Radisson South Hotel, 562 N.W.2d 32, 34 (Minn. App. 1997). We review findings of fact made by the SURJ in the light most favorable to the decision and will not reverse such findings if they are reasonably supported by the record. Lolling v. Midwest Patrol, 545 N.W.2d 372, 377 (Minn. 1996). But whether a specific act or acts constitute misconduct is a question of law, which we review de novo. Id.
An employee discharged for employment misconduct is disqualified from receiving unemployment benefits. Minn. Stat. § 268.095, subd. 4 (2004). Employment misconduct is “any intentional, negligent, or indifferent conduct, on the job or off the job (1) that displays clearly a serious violation of the standards of behavior the employer has the right to reasonably expect of the employee, or (2) that displays clearly a substantial lack of concern for the employment.” Id., subd. 6(a).
An employer has a right toTop of Form
Bottom of Form
expect that employees will work when scheduled. Little v. Larson Bus Serv., 352 N.W.2d 813, 815 (Minn. App. 1984). An employer also has a right to establish and enforce reasonable rules governing absenteeism. Jones v. Rosemount, Inc., 361 N.W.2d 118, 120 (Minn. App. 1985). Employment misconduct may include the following specific actions related to absenteeism: (1) chronic and excessive absenteeism, even if not willful or deliberate, id; (2) failure to notify one’s employer in advance about absences, Flahave v. Lang Meat Packing, 343 N.W.2d 683, 686 (Minn. App. 1984); and (3) leaving work early without permission, Psihos v. R & M Mfg., 352 N.W.2d 849, 850 (Minn. App. 1984).
Among other findings of fact, the SURJ found that Young often failed to work when scheduled; that she was absent more than seven days during the seven weeks she worked for Cavalry; that she left work early without permission on July 30; and that she failed to notify Cavalry in advance about her absences on July 31, August 27, and August 28, despite her knowledge of company policy. The record supports these findings.
Young claimed that her attendance records at Cavalry were inaccurate or falsified; that she asked for August 27 and 28 off two weeks in advance; that her manager agreed to give her those days off; and that she saw no reason to call in, because she had permission to be absent. But Cavalry claimed that its records were accurate; that Young never filled out a required Time Off Request form; that Young did not have permission to take the two days off; and that Cavalry seldom approves requests for time off at the end of the month because the end of the month is a busy time for collection agencies.
When there is inconsistent testimony in the record, we defer to the credibility determinations of the SURJ. Heitman v. Cronstroms Mfg., 401 N.W.2d 425, 427 (Minn. App. 1987). Here, the SURJ reviewed the conflicting testimony and stated:
Young’s testimony and evidence she had obtained permission to take the two days off is not believable. A preponderance of the evidence leads us to conclude Young’s conduct clearly displayed a serious violation of the attendance standards Calvary [sic] has the right to reasonably expect of her and a substantial lack of concern for her employment.
Young’s absenteeism was chronic and excessive. She was absent more than twenty percent of the time when she was scheduled to work, she left work early without permission, and she failed to notify her employer in advance about absences. The SURJ reasonably concluded that Young’s actions constituted employment misconduct and that she was disqualified from receiving unemployment benefits.
Affirmed.
READ THIS THIS IS HOW EMPLOYEES ARE TREATED AT CAVALRY AND I HAVE SEEN THIS HAPPEN FUCK THAT COMPANY
--------------------------------------------------------------------------------
* Retired judge of the Minnesota Court of Appeals, serving by appointment pursuant to Minn. Const. art. VI, § 10.
Let me share my thoughts of Cavalry Portfolio Services...
1) Jackasses
2) I'm hosting a "www.cavalrysux.org" website that will be up soon.
3) Everyone that reads this should do this. Dispute the Cavalry account with your credit bureau as many times as possible. It might be removed, it might not. However, every time you dispute Cavalry, they have to use on of their minimum wage employees to respond to the dispute, which costs them money. If everyone stand behind this, we can cost Cavalry thousands, possibly millions in wasted time and paperwork. Hopefully, we can put this white trash business out of business. I took Cavalry to court over a $33 fraud bill, and they sent me a check for $300 and cleared my file if I dropped the case. I did drop the case and take their money, but I'm still going to cost them as much as possible. Anything I can do to increase their overhead cost helps. In fact, I even have my computer set to dial their 800 number over 6000 times a day. Every time it dials, it costs THEM money.
So, lets all do what we can to put this mismanaged, overrated, white trash company in debt itself. With your help, we can end Cavalry's future, and the future of all the uneducated employees that work there.
If your a cavalry employee, go breathe chloroform while driving on the highway.
I worked for Cavalry for 5 years, and in some cases many of you are correct regarding inaccurate information. On occasion an account is mishandled at the credit card companies, it reaches chargeoff status and the problems begin.
On the other hand, some you don't have a clue regarding statute of limitations and chargeoffs. The statue of limitations concerns only the ability for the companies to sue for monies owed, it has nothing to do with the fact that you still owe the money. Chargeoff is not an alternative to bankruptcy which is what some of you are looking for, a way out of paying for a mistake you made not managing your, or facing hardship.
Let's don't lose sight that you created a debt, whether it seemed unintelligent to offer credit to a college student with no job, it's easy to say they made the mistake. Please take ownership of your own miscalculations and pay the damn bills. It costs the rest of us more for products and bank services because several million people look for the easy way out.
Collecting debt is no worse than any other job, it's only bad to those who don't want to pay their debts, and a pain in the ass for those that honestly don't owe and haven't had someone follow through on the customer service part. Unfortunatley the collector is only going off of the information provided by the bank, whether correct or not, and the presumption is that the debt is incurred and owed by the person to whom they are speaking.
Be patient and get a job if you owe, they aren't taking your house.
If the debt was the banks fault, be patient and try to provide the information needed to fix the problem. The intention at Cavalry is to resolve the situation, whether it be through payment or documention of fraud.
I am no longer in the collection industry but I know the company is a good one.
Short and sweet Calvary sucks! Their customer service is lacking- sorry, it just doesn't exsists. People who are in debt are still people bottom-line. Furthermore, I can't believe the way their vampires speak to military personnel.
A DEBT THAT IS OVER 6 YEARS OLD CANT BE COLLECTED,SO I TOLD THEM TO KISS MY A
To anonymous said:
What happen to the cavalry employee on
hear--It is spelled here not hear(you
do that with your ears).
And if you work with these people why
don't you just walk up to them and say
all those nasty remarks to them--is it
that you don't have the ball to do so?
No wonder the company is crap with people like you working for them.
Unfortunately there is a lot of misunderstood information when it comes to debt collections. I have been managing a collection agency for over 10 years, and can pretty much guarantee that if the company cannot provide you the proper documentation requested (i.e. a contract with a signature, ss#, DL # etc)and you have requested it, most likely they will have too take it off your credit. I am making this statement, because this is what I usually do if I cannot provide accurate proof to the requestor. I have attended many conventions and seminars, where I have met many collection agency owners, managers, supervisors etc. where most seem to agree that if accurate proof cannot be provided within the alotted time (usually 30 days) for the sake of not being sued, we just proceed to remove the debt, but it may not mean they do not owe the debt, just that we don't have adequate proof. So I suggest to those who incur a debt who don't feel they owe it, dispute it and ask for the appropriate paperwork, if you don't receive it, and they refuse to take it off your credit, it may be grounds for filing a lawsuit. Most companies will not want to waste time going to court over a small debt, and would rather just take care of it, than getting into legal battles.
Here's the best part. I live in Louisiana and here we can record any conversation as long as one of the parties knows about the recording. That being said I had a debt that belongs to my ex-wife and I even had the original creditor (Sprint) call them and tell them it wasn't mine and to please remove the negative credit entry. After waiting 2 weeks for a letter of absolvment, that was promised and never came, I called them back to discover that they recieved "an email" from Sprint confirming that I owed the debt. I requested a copy of the email and was told it was private copany business. I contacted the State Attorney General's Office and with my audio tape I am happy to report that I personally will fuck over Calvary as bad as they have done others. Oh, by the way Im not stupid, lazy, or a deadbeat; Im an attorney with a 730 FICO store. Whatsmore? I attend to contact the U.S. Dept of Justice, and make sure that Calvary is investigated for unfair trade practice as well as fraud by decieving as described in the RICO act. Tell that to your husband.
I keep getting calls from a toll-free number (888-845-0146). I know this because I have caller ID. I also have an answering machine to respond to any calls I do not wish to answer. Finally found out that this number belongs to Calvary Portfolio Services. They just call--won't leave any messages. Just finished filing a complaint with the Do-Not-Call-Registry. Will wait and see what happens next.
In the year 2000 I worked for Sprint PCS and took advantage of their employee discount cellular program. I worked in the billing department and know for a fact that many many accounts were put into collections erroniously because I had to take the damn calls about Sprints errors. In preparation to move out of state I contacted the employee acounts department to terminate my services and was told employees re-locating did not incur early termination fees. They were my employer and I beleived them. Fast forward almost five years and I'm getting calls from Heather Kelly and Antoine and Juan at all hours of the day and I DO NOT owe this debt, especially not to the tune of 549 dollars! Two valid early termination fees would have been 200 and as per my otherwise good credit would have been paid promptly. This is not merely an indication that Calvary sucks, but Sprint sucks their fair share too. I cannot get the documentation from the employee department of Sprint that Calvary is requesting because I am no longer an employee. Has anyone had a similar situation that they are in the process of resolving? HELP!
To Cavalry Portfolio Services, their subsidiaries and employees.
You are all crooked employees of a low level business. To the husband and wife collection (agencie) agency team, more so to the wife: If you are such a skill laborer of society and make such a wealth of money, why do write in lowercase and not use correct grammar and punctuation? Collection is not a career; you need no skills other than knowing how to use a phone in order to do this work. Trained squirrels have more coordination than you and I see you at the same level as a telemarketer. But hey, the world needs ditch diggers too.
So why do I have such discuss for this company? I have recently bought my third home in Hawaii, yes third, and in the qualification process which includes a credit check, the worlds leading company in derogatory reporting bullshit, Cavalry Portfolio Service, was noted in the report.
Now let’s do some interesting math; since completing school in 1998, for which I owe no student loans, my base pay started at $148,600.00 and has increased 3-5% in every year since. I live a modest lifestyle and have never had a bill for $2,700.00 (which what was reported I owe), short of a car, truck, plane, house, boat or real estate. Even my vacations are paid in full via debt card, which we all know comes straight out of our checking account. However, I find it interesting that this stellar debt collection agency, which has never tried to contact me via phone, mail or otherwise, found its way onto my credit report.
There is no ethical leadership within this company and its entire staff lacks the integrity needed in order to function within America’s corporate business world.
To the husband/wife team: fill out some Federal Aid forms, head back to school and find a career. Stop wasting my taxes.
Supposedly their website is www.cavalryinvestments.com. I went there, and all I get is in option to log in and an e-mail form. The only identifying information is the name AI Roberts at the bottom of the e-mail form. Not only is this not a "website", there are an awful lot of smoke screens.
Instead of getting frustrated, look up and decipher the Fair Credit Reporting and Collections Act. Even a cancerous entity like Cavalry has to abide by federal guidelines. If they don't, not only will they be held accountable as a firm but the individual collector can be brought to task to answer for their behavior.
Send a certified letter to Cavalry stating that you will not deal with a third party collection agency and will make appropriate arrangements with your original creditor.
Look on the internet for ways to foil unscrupulous, unpricipled and heartless "collectors".
In closing, if you are one of the very few who abuse the companies that extend credit to you and enter into an arrangement with the intent of ripping them off, then shame on you.
This "Calvalry Portfolio Services" even keep calling after bankruptcy is filed (A CLEAR VIOLATION OF FEDERAL LAW)and completely ignored letters not to contact by phone. "Calvalry Portfolio Services" is certainly the bottom feeder of the collection business.
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
for best results call the ny or mn office
The law does not apply to thieves pay your bills you created them not my company get over your self any pay what you took phx
For all of your complaints:
Cavalry Portfolio Services
Compliance Department
Attn: Kristen Papp
7 Skyline Drive
Hawthorne, New York 10532
Phone: (914) 347-3440
Toll Free: (800) 724-1757 ext 13422
Fax: (914) 347-1973
If you have been a victim of fraud, they are there to help. You will not need to yell or use vulgarity. They are nothing like the vile filth found at their Arizona office. I am sure some of those in Arizona are decent people but looking at the posts here and dealing with them on the phone, most of the collectors at their Arizona office are sub-human, social rejects. I think it's rather sad when you can not even show some level of respect for your own employer.
Also, the best advice I can give to all of you is to pay no attention to the two-minute attorneys posting here, as it is quite evident that none of them are real attorneys, based on some of the erroneous information that they are posting. If you need legal advice, this is not the place to find it.
I am SOOOOOOOOOOO happy I ran across this posting, as I get to add my two cents on this band of misfits. I too, was recently harrassed over a debt that is NOT MINE. --> To the A@^%$OLE who mentioned not answering the phone if you have nothing to his - I ANSWERED MINE BUDDY. Unfortunately, I must have been talking to a deaf person, as the account is STILL on my credit report. Therefore, I have resorted to putting everything in writing. I am posting a copy of a letter that I just directed to these idiots today. Hopefully some of their employees will see it, as they seem to like reading this discussion board...
by the way, I am not posting this anonymously --> My name is Mo Sartor
==================================
To whom it may concern,
ONCE AGAIN, please be advised that since I have disputed this debt MANY times in the past, to no avail, I am forwarding copies of this communication to the New York State Bar Association and The Federal Trade Commission to protect my interests.
As I stated in the past, I have NEVER been the owner of an AT&T/Cingular wireless account. Your October 14, 2005 letter (copy enclosed) is proof positive that someone has managed to use my name to create this account. xxxxx 76th Street has not been my address for over 10 years. Apparently, someone at your office was able to figure out that I now live in xxxxxxxxxxx. You need to IMMEDIATELY direct this matter to the PROPER authorities, as this debt, ONCE AGAIN, is NOT MINE. However, I continue to see this ERROR on my credit report, despite my numerous requests that it be removed. This negative mark on my credit report CAN be interpreted as slander against my name, as it is UNTRUE!
ONCE AGAIN, just in case you missed it in my PREVIOUS communications, I AM NOT ONLY DISPUTING THE VALIDITY OF THIS DEBT, I AM DEMANDING WRITTEN CONFIRMATION OF THIS ERROR’S CORRECTION WITHIN 10-DAYS FROM THE DATE OF THIS LETTER. Also, ONCE AGAIN, AS STATED IN MY PRIOR LETTERS, effective IMMEDIATELY, as per the Fair Credit Reporting Act, I am exercising my rights as a consumer and NO LONGER WISH TO DO BUSINESS WITH A COLLECTION AGENCY. Moving forward, I will only communicate with AT&T/Cingular, or the appropriate law enforcement authorities.
Maurice Sartor
cc: New York State Bar Association Northeast Region
1 Elk Street Federal Trade Commission
Albany, NY 12207 1 Bowling Green
New York, NY 10004
THIS IS AN ATTEMPT TO MAKE A DEBT COLLECTOR OBEY THE LAW.
ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
Cavalry is not a Third Party Collection Company. They purchase debt. Refusing to talk/negotiate with them directly only post pones the resolution of an account and/or that of the dispute claim.
There are a lot of collection companies out there simply because there is a lot of debt. Not all of them are fully law abiding and when you find yourself faced with someone who has broken the rules of the FDCPA you should act accordingly.
If a company purchases a debt that is actually fraudulent, it does not make that company a fraudulent company. The debt simply is. Dispute it accordingly, follow through to make sure that the collection company receives and processes the documents you provide. There is a lot of fraud out there, and sadly most people are not aware of it until it hits collections. Companies like Cavalry cannot simply take your word for it.
While it is true that some customer service representatives at Cavalry and other companies like them might not be as understanding or as helpful as you would like. Treating someone rudely will only worsen your situation.
My advice to anyone who has a legitimate debt is to seek to resolve it in the best way you can, at once or over time.
If it's fraud then follow the dispute procedures. Either way, once an account is closed get a copy of a satisfaction or closed letter from the company to confirm everything. Keep that in a file.
Good luck.
Cavlary Employee
The FDCPA: www.ftc.gov/os/statutes/fdcpa/fdcpact.htm
Know your rights.
Take responsibility for your actions.
Most people don't set out to create debt. It happens. Still, you can't expect Collections agents to just believe you that you paid it, or never heard of it. They have the documents and signatures, and yet people still deny it.
Work with collection companies, or take care of debt before it becomes a collections matter. and like someone else said, If it's fraud then go through the steps to prove it...when everything is done - get the letter from the company confirming it.
To the Calvery employees that read this post: I get a call every day asking for someone that I don’t know and never have; it’s obviously have a wrong number. The message gives you several options with the last being press “4” if this person is not at this number. I’ve have done this every night for a week now and each time a recording comes on and apologizes for the inconvenience and says I will not be bothered again. It’s now the eighth day of going through this routine. So if it’s not a problem of ethnics is it just a poor phone system and how do I stop these annoying and inconsiderate calls? Prove to me you’re not the slim balls that you’ve been accused of in most of these post.
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