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Thursday, April 15, 2004

Cavalry Investments LLC

After seeing their name all over the court documents, I was wondering who they are exactly (they don't sound like a credit card company in my opinion).

I could be totally wrong, but as far as I can tell they look like they buy large quantities of bad debt from credit card companies as a whole.

The financial business world is fascinating, isn't it? hehe (just kidding)

BTW, I don't like the word Cavalry, I always want to spell it as Calvary for some reason...

181 comments:

Anonymous said...

They've been trying to collect money from me too. What's the deal with them? Are they a legitimate company or not? Since I've been burned once prior to this, I'm VERY leary about these things now.

Anonymous said...

I just got a letter from them. The debtor is Direct Marketing. I have no accounts with Direct Marketing and have no bad credit cards. Of course when I called the number, I got an anseering machine that answered with "Mohamed", no other message. I'm sure it's a scam but does anyone now anything about them.

Anonymous said...

Where do I start??? I recently checked my credit report,observing a almost $57,000. charge which I knew I had never accumilated,let alone knew the person of whom I supposedly had this joint credit card with.(or even been close to the state in which this account is addressed to). After trying to simply dispute through the credit bureau, I was told Cavalry(the collections agency whom filed) is insisting this is my responsibility and I needed to call them to dispute. After being on the phone with them for almost an hour, hearing them tell me all their documents point back to me and they will settle for $15,000., I explained obviously they werent listening and maybe I should go to the police, this person whom I supposedly have a joint account with must have stolen my identity, they than stated I could go to the police if I'd like but maybe I should give them a day to investigate! WHAT? I asked why on earth anyone would do that,identity theft is against the law. EVENTUALLY, they stated " maybe its it technical problem, a simple mistake, maybe by accident somebody in the company put this persons account on mine".
What kind of company is this???
Who is playing identity theft, this person whom I supposedly had a joint account with( who probably knows nothing about me), or this company whom has all my information, insisted I owed this money, and is now telling me to just wait, they'll investigate???
Got any advice, Carolynn

Shawn said...

I would file a police report first. Either way it can take a long time to clear up. But a police report is a good first start.

Anonymous said...

These inconsiderate, unprofessional, callous people are trying to collect from me a debt owed by my deceased mother. They threatend to garnish my wages if I didn't pay. Well, I'm looking forward to a garnish that will never happen, 'cause I'm not paying an invisible cent.

Anonymous said...

Cavalry Portfolio Services (Cavalry Investments) - This could be the most incompetent bunch of people I have ever encountered. Being in the "collection" business myself, I am familiar with the correct way to collect a bad debt. These people are not.
In the winter of 2003 I began my correspondence w/ these people, and since day one I knew they were going to be trouble. It seems as though they are not out to simply collect on bad debts, they are interested more in dragging your name through the mud in the process. I paid off one of the two accounts that they had of mine in May of 2004, no problem. I then began to pay on the second. Come January 15th ish of 2005 they start to call me inregards to the account that was already paid in full. I tried explaining this to them, and the person I was talking to had no idea what I was saying, not only that but he was trying to tell me that the second account that I was currently paying on had a balance of approximately $1500 MORE than it actually had. Well I just got off the phone with them, it is now April 11th, and my accounts have been updated to reflect theier true standing. The part that really pisses me off is the fact that they have been reporting to credit bureaus that I have refused to pay these debts, and that I am what's called a "skip". To date they have not reported any of my payments or payoffs. This is bullshit, I am currently trying to buy a house and my credit report looks terrible because of what these people are doing to me. Is there something I can do to these people legally regarding their false reports to credit bureaus?

Try to make good on some bad debts and this is how these people thank you...

Anonymous said...

So i just found out that they are tryin to collect 315.00 for a sprint pcs account that i did not open someone else used my SS#. They want me to jump tho hoops to get it taken off my crdit report. can you say CLASS ACTION LAWSUIT???

Anonymous said...

They have a lein on me for $800 from a Sprint account that has been dormant for over 3 years. It was a joint account with my ex wife and I. I paid sprint the $300 needed to settle the account 2.5 years ago, but according to them I have been accruing interest on the $300 owed for 3 years. I faxed them the cancelled check from 2.5 years ago and that was insufficent. I am very angry with those ignorant people and do not know where to go from here.

Anonymous said...

Ha! I just got a statement in the mail from these people about an At&t wireless account that has been closed for over 6 years...I called At&t (now cingular) and their records say they sold this account to someone else. 6 years ago this account was sold to a firm in Texas and I paid them, well about 2 years ago I threw all my cancelled checks and statements away. At&t doesn't even have the information from the first time they sold my account because their data base doesn't go back far enough...but yet they still show I owe them money and can only get any information from the new agency, what a bunch of horseshit.

Anonymous said...

I recently learned that this so called company has filed a suit against me in our local district court stating I owe over eight thousand dollars. I do not know for what it is owed and there has been no explanation. It apparently appeared on my credit report but I am definitely going to investigate this company and let our district court judge know about this business.

Anonymous said...

I have been fighting with these morons for two years over a Sprint PCS account that I have never had. They sent me a "fraud packet", demanding a police report, a copy of a utility bill from 1999, my drivers license and social security card. Uh, no...it is THEIR job to prove I owe it..it is NOT my job to prove I don't.

My attorney finally wrote them a strongly worded letter, telling them to "put up or shut up", and FINALLY I got it off my credit. Wonder which junk debt buyer they will sell it to next?

nevguy said...

Great site Shawn - the are trying to collect money from my 81 year old mother (widow) and tell me that they are exempt from the law that says they must provide an itemised statement of charges to prove they are the party to settle with. Otherwise, they could have just run across the item in a credit report and use it for a 'hunting license'. If they collect, you will still owe the actual party who now has the papers. Bummer. Since Mohamed is exempt why can't I also be exempt around April 15th?

Anonymous said...

Does anyone have a number to Cavalry Investments?

jb said...

602 667 0128

Anonymous said...

i have a debt, that two years ago was around three thousand dollars, today they say it is 18 000 and getting them, get this 18% interest DAILY. i'll go chapter 13 before i pay 18% per day

and yeah i got a number 1 888 738 6209

Anonymous said...

I received a letter from them saying that I owed 150 dollars for a dormant account in Sprint PCS 3 years ago. I settled the account with sprint PCS and now this!!! Does anybody know what to do in this cases . I don't have the receipt for the settlement because I dont keep track of receipt and it was paid for anyways.

Michael Brown said...

Same story - They are trying to collect a Sprint PCS account that I never had - 275.00, dormant for 3 years. My wife and I were getting ready to build a house and their collection report sent my FICO score from a 720 to a 630, so no house for a while!

I called them to pay it off, gave a check over phone and then began the countdown until I recv'd a all-clear letter for my bad debt. 3 weeks later I recieve a call stating my check was bad and they needed to make other arrangements.
THEY HAD TRANSPOSED THE CHECK NUMBERS. so that was fixed. then 2 weeks after I recieve another call. My check was denied, we can no longer take a check from you. can you please send a money order.

WHAT?!? I ask if we can check the numbers again - NO, we cant take your check, its been denied twice! (ARGH! ARG! BLAH! FARGIN BASTAGES!)
I Insist that we check the numbers again.

THEY TRANSPOSED THE NUMBERS AGAIN!!!!!!!!!!

I make the lady go over the check numbers 4 times.

That was 4 weeks ago, no letter and I just checked my credit report

there is a zero balance on the collection notice but it is MARKED UNPAID on all 3 agencies!

These guys are ruining my credit and my familys chances to build a house this year!!

I am seriously fustrated!

-Michael Brown

Anonymous said...

I have been recieving calls from Cavalry Investmets (Portfolio) and to try to find out what they were about I typed their name in the search engine. This is where it took me. I feel better knowing that I am not the only one wondering if they were actually a really company or a scam. To start with I requested that they send me a written statement in the mail for me to view. They never did. Everytime I talk to them they want me to pay them on the phone. There is no way I am giving anybody money over the phone if they can not send me a statement in the mail.

Anonymous said...

i just received a court summons on a dept that i owe for Wells Fargo. I called winn and simms to talk to Lorenda Peck who is a paralegal leaving a message that i would like to have the number to this collection agency Cavalry...No response yet...

Anonymous said...

These people are not only unscrupulous, but dumb as posts to boot... It took this woman 25 minutes to type in my name, address, phone number and my acct. and routing 3's. I had to repeat myself every other letter and number!! On a good note, if you ask to talk directly to a supervisor you can usually cut the bill in half or even less. One thing to watch... bad ticks on your credit report can only be held for 7 years (some states now say 10) before they MUST be removed, however, Cavalry will take your accnt., send you a letter (no matter if it's where you live currently because it's a "Do not fwd" letter)letting you know that they are releasing your account to another agency. THIS IS ACTUALLY LEGAL!!!! Once with the new agency, the clock starts all over again. Cavalry will also buy back your account for cheap once the clock restarts!! They are scammers and another reason not to use SPRINT!!!!!

Anonymous said...

LISTEN PEOPLE THEY HAVE TO PROVIDE PROOF,CONTACT THE 3 MAJOR CREDIT BUREAU AND LET THEM KNOW...

COMPLAIN,COMPLAIN,COMPLAIN TO THE 3 MAJOR CREDIT BUREAU

Anonymous said...

oh my god, i'm so glad i've read all your comments, to think i was actually going to go INTERVIEW with these people as in house counsel, BIG mistake!!

Chuck B said...

These people are trying to collect $1189.00 from me for a Sprint account that I never had. Apparently someone else used my name and ss# to set up a Sprint acount, but it was closed 3 years ago. This is the first I have heard about it. I have never had Sprint service and you can be sure I never will now.

Anonymous said...

i want to pay ny debt that is for 113.42 do i make the check out to Cavalry Portfolio Services, LLC?

Anonymous said...

I, too, have just received a notice that this company wants to collect a "debt" from AT&T Wireless/Cingular, for the sum of $234.22. Now, I have worked for a collection agency, GCFS, for three years and these num nuts have no clue as to how to research an account before they shoot out "notices". IN CALIFORNA when a person has filed BK on ALL CREDITERS, and they receive a "discharge" granted...ta da ALL debts are forgiven and case is closed. And, you are governed under the states law you reside in!

Anonymous said...

Wow, my current experience with Cavalry is nothing compared to all of the comments I have read. I received a letter stating the old credit card account number and a total amount of charges and I just received a statement of my payments and current balance. I try to stay on it. I call the guy who deals with my case on the regular. The only issue I have is, I was paying on this account with another company who sold it to Cavalry and they say they have no records of any payments that I made, so I must start all over. I was frustrated, but what can you actually do. I was paying using a checking account that I no longer have, nor any of the statements or receipts. Thank God I'm almost finished paying.

Jan said...

Looks like alot of us got nailed by these idiots, I just found out that I had a credit report with these guys on it, saying CALVARY tried to sue me in court in 2001 for $3,489.00. Yet I was never told. I can't seem to get them to call me or get the court to release any more info on how to deal with these people. Its killing my credit report and its now 2005 , you'd think I would have been told about this when they filed back in 2001.....Jan

Anonymous said...

I just started getting calls from Cavalry on an 6 year old debt that they bought from another collection agency. According to Cavalry I own nearly $2,000 more than the original debt. To top it all off Cavalry has been going through a directory and calling my roommates phone numbers to reach me. They are looking up ALL phone numbers associated with this address.
I happen to work in a law firm and know my legal rights. I plan to file a Consumer Complaint with the state Attorney General office. This is becoming harrassment.

Anonymous said...

What Cavalry Portfolio does is buy charged off bad debt from other collection companies. If you were to pay any money to Cavalry I can guarantee NONE of the money would ever reach the original company owed that is is thier records are even accurate to begin with.

Anonymous said...

RE: Does anyone have a number to Cavalry Investments?

BEST NUMBER 866-483-5139 AND 800-724-1757 FOR THE HQ

Anonymous said...

RE: Anonymous said...
I received a letter from them saying that I owed 150 dollars for a dormant account in Sprint PCS 3 years ago. I settled the account with sprint PCS and now this!!! Does anybody know what to do in this cases . I don't have the receipt for the settlement because I dont keep track of receipt and it was paid for anyways.

A LOT OF WHAT THESE CHARGES FROM SPRINT ARE SEEM TO BE EARLY TERMINATION FEES FROM THE 2 YEAR CONTRACTS YOU PEOPLE SIGNED UP ON.

YOU SIGNED THE CONTRACTS WITH SPRINT- BE MAD AT SPRINT OR YOURSELF FOR SIGNING THE CONTRACTS.

PEOPLE AT CAVALRY ARE GOOD PEOPLE WHO ARE BEING YELLED AT BY YOU CUSTOMERS FOR SOMETHING THAT YOU OR SPRINT HAS DONE.

FRAUD? IT HAPPENS AS WELL... THINK- HOW MUCH VERIFICATION DID SPRINT ASK YOU FOR WHILE YOU WERE OPENING YOUR ACCOUNT??

Anonymous said...

RE: Anonymous said...
I just started getting calls from Cavalry on an 6 year old debt that they bought from another collection agency. According to Cavalry I own nearly $2,000 more than the original debt. To top it all off Cavalry has been going through a directory and calling my roommates phone numbers to reach me. They are looking up ALL phone numbers associated with this address.
I happen to work in a law firm and know my legal rights. I plan to file a Consumer Complaint with the state Attorney General office. This is becoming harrassment.

SOUNDS LIKE YOUR NOT CALLING CAVALRY BACK- ARE YOU HIDING?

LEGALLY THE DEBT SOUNDS LIKE ITS STILL IN STATUTE OF LIMITATIONS. AFTER THE DEBT IS OUT OF STATUATE IT IS STILL COLLECTABLE, BUT IF THE STATUTE OF LIMITATIONS IS UP (AS YOU SHOULD KNOW BECAUSE OF YOUR P.O.E.) THEN WE CANT TAKE YOU TO THE JUDGE.

IF YOU OPEN THE DEBT YOU SHOULD PAY IT- ETHICALLY AND LEGALLY.

Anonymous said...

RE: Anonymous said...
i want to pay ny debt that is for 113.42 do i make the check out to Cavalry Portfolio Services, LLC?

YES- CAVALRY OWNS THESE DEBTS LEGALLY. MAKE SURE YOU FIND OUT YOUR REFERENCE NUMBER AND KEEP TRACK OF YOUR RECORDS ON THIS PAYMENT.

Anonymous said...

RE: Anonymous said...
I have been recieving calls from Cavalry Investmets (Portfolio) and to try to find out what they were about I typed their name in the search engine. This is where it took me. I feel better knowing that I am not the only one wondering if they were actually a really company or a scam. To start with I requested that they send me a written statement in the mail for me to view. They never did. Everytime I talk to them they want me to pay them on the phone. There is no way I am giving anybody money over the phone if they can not send me a statement in the mail.

YOU WANT YOUR STATEMENT BAD? LET CAVALRY FAX OR EMAIL IT TO YOU!

YOU WANT TO NOT PAY OVER THE PHONE? MONEYGRAM HAS A DISCOUNT DEAL WITH CAVALRY (COSTS LESS), WESTERN UNION OR CERTIFIED MAIL PAY.

I HAVE THE FEELING YOUR NOT TRYING HARD TO RESOLVE THIS BASED SOLELY ON THE 'TONE' OF YOUR COMMENT.

Anonymous said...

Anonymous said...
RE: These inconsiderate, unprofessional, callous people are trying to collect from me a debt owed by my deceased mother. They threatend to garnish my wages if I didn't pay. Well, I'm looking forward to a garnish that will never happen, 'cause I'm not paying an invisible cent.

DO A 'REALEASE OF OBLIGOR' ... YOU WILL ONLY HAVE TO PAY HALF OF THE AMOUNT DUE. YOU CAN DO THIS IF YOU DIVORCE SOMEONE, DEATH OR OTHER REASONS.

NOBODY AT CAVALRY WOULD HAVE 'THREATENED' TO GARNISH WAGES UNLESS YOU WALKED AWAY FROM THE NEGOTIATIONS TABLE AND YOUR ACCOUNT WAS 'APPROVED FOR LEGAL' AFTER YOUR ASSETS WERE INVESTIGATED.

YOU ACKNOWLEDGED THE DEBT JUST KNOW SO YOU ADMIT THERE IS A CERTAIN AMOUNT THAT IS DUE.

IF SO THEN MORALLY AND ETHICALLY PAY IT.

BAD DEBT RAISES EVERYONE ELSES INTEREST RATES. SO SHOULD I START CUSSING AT DEBTORS? NO, BECAUSE 'MORALLY AND ETHICALLY' THAT IS WRONG- BAD BUSINESS.

Anonymous said...

RE: nevguy said...
Great site Shawn - the are trying to collect money from my 81 year old mother (widow) and tell me that they are exempt from the law that says they must provide an itemised statement of charges to prove they are the party to settle with. Otherwise, they could have just run across the item in a credit report and use it for a 'hunting license'. If they collect, you will still owe the actual party who now has the papers. Bummer. Since Mohamed is exempt why can't I also be exempt around April 15th?

CAVALRY CAN PROVIDE A LETTER SHOWING THAT THEY LEGALLY OWN THE DEBT.

ITS IS YOUR JOB AND RESPONSIBILITY TO KEEP YOUR RECORDS AS AN ADULT.

GOT A SPRINT OR OTHER CELL PHONE? CAVALRY CANNOT PROVIDE THE ORIGINAL PHONE NUMBER BECAUSE THE NUMBERS GET RECYCLED AND BECOME 'PRIVATE' INFO FOR SOMEONE ELSE.

AGE HAS NOTHING TO DO WITH DEBT- IF THATS THE CASE THEN I SHOULD BE FORGIVEN FOR BAD CHOICES I MADE AT 18 YRS OLD BECAUSE OF HORMONES!!

C'MON!!!

Anonymous said...

RE: Anonymous said...
I just got a letter from them. The debtor is Direct Marketing. I have no accounts with Direct Marketing and have no bad credit cards. Of course when I called the number, I got an anseering machine that answered with "Mohamed", no other message. I'm sure it's a scam but does anyone now anything about them.

IF ITS FRAUD THEN FILE FRAUD BY ORDERING A FRAUD PACKET FROM CAVALRY AT 866-483-5139. IT WILL BE INVESTIGATED AFTER YOU PROVIDE A POLICE REPORT CASE NUMBER.

LAST TIME I CHECKED CAVALRY HAD 5BILLION IN ASSETS- DONT THINK ITS FRAUD

Anonymous said...

My wife has a possibe debt from Sprint PCS that is now three years old. She states that she fulfilled her financial obligations to Sprint. Amazing she is being contacted about this three years later.I asked the people at Cavalry to send me a letter with their information on it so that I could ask them to not contact me any further while I researched the matter. The person with Cavalry said he was going to list her as refusing to pay because I don't want them contacting us further. I told him this was not the case and he tried to use this statement to put me under duress to pay this bill. I told him I was not refusing to pay the bill and explained that I needed to gather more information. He was excessively rude and pushy and so was the supervisor that I asked to speak to. My wife incurred this possible debt that may or may not be due prior to me meeting her. If this is debt she owes it will be paid, but I encourage you all to keep great notes on all contractual issues and payments made to close or cancel contracts. Either way, don't be intimidated by these people. Be realistic and pay if you owe. Call the FTC or go to the FTC's website to find out your legal rights at www.ftc.gov. Also, I asked for the call to be recorded because of how rude they were. I doubt it was recorded, but I encourage you to always be firm and professional and ask to be recorded if you are comfortable with this. I feel they are going to have some huge legal liabilities on down the road.

Doug

Anonymous said...

Anonymous said...
RE: These inconsiderate, unprofessional, callous people are trying to collect from me a debt owed by my deceased mother. They threatend to garnish my wages if I didn't pay. Well, I'm looking forward to a garnish that will never happen, 'cause I'm not paying an invisible cent.

Response: DO A 'REALEASE OF OBLIGOR' ... YOU WILL ONLY HAVE TO PAY HALF OF THE AMOUNT DUE. YOU CAN DO THIS IF YOU DIVORCE SOMEONE, DEATH OR OTHER REASONS.

NOBODY AT CAVALRY WOULD HAVE 'THREATENED' TO GARNISH WAGES UNLESS YOU WALKED AWAY FROM THE NEGOTIATIONS TABLE AND YOUR ACCOUNT WAS 'APPROVED FOR LEGAL' AFTER YOUR ASSETS WERE INVESTIGATED.

YOU ACKNOWLEDGED THE DEBT JUST KNOW SO YOU ADMIT THERE IS A CERTAIN AMOUNT THAT IS DUE.

IF SO THEN MORALLY AND ETHICALLY PAY IT.

BAD DEBT RAISES EVERYONE ELSES INTEREST RATES. SO SHOULD I START CUSSING AT DEBTORS? NO, BECAUSE 'MORALLY AND ETHICALLY' THAT IS WRONG- BAD BUSINESS.
# posted by Anonymous : 6:23 AM

You are so wrong! I just got a call from Calvary 35-40 minutes ago saying I owe a debt from 1999. I asked for a letter showing the itemized charges and they said no! they he said "I will just write that you didn't want to pay" After that I called back and he told me he was not going to send me a fax and that I wanted a lot of things "He'd like to see horses fly to, but that isn't going to happen" then proceeded to threten to garnish my wages.... 35 minutes ago. So YES... they do threaten this on the 1st phone call made to collect a debt

A. Z. said...

LISTEN, FIRST THING IS THAT EVERYONE WHO POSTS A NEGATIVE COMMENT ON THIS WEB SITE IS NOTHING MORE THAN A WORTHLESS DEBTORS!!!!!!!! IF YOU WOULD HAVE JUST PAID YOUR BILLS LIKE A RESPONSABLE HUMAN BEING IN THE FIRST PLACE THEN YOU WOULD NEVER HAVE TO DEAL WITH MY COMPANY. MOST PEOPLE IN THE U.S. PAY THEIR BILLS UNLIKE YOU DIRTY SCUM OF THE EARTH, AND ANOTHER THING IF THERE WERN'T SOOOOOOO MANY OF YOU USLESS FREE-LOADERS OUT THERE THE COMPANY WOULDN'T BE IN BUSINESS ANYWAYS, SO I GUESS THANKS FOR BEING THE GREAT UPSTANDING CITIZENS THAT YOU ARE. SINCERLELLY, A.Z.

Anonymous said...

I was actually going to pay by sending a check to Cavalry today for a small amount owed $51.66 to Sprint I have the check ready in the envelope they provide but of course I was hesitant to mail same and when I read all the comments but especially the one from the owner of Cavalry and the way he expresses himself about debtors and how he is making money out of these people I decided not to send the check and i hope more people do the same thing and I do not think he will be making much money out of these accounts. My husband and I have excellent credit 730 and no debts but we had a dispute with Sprint over some charges that were not ours. I am sure that his comments are going to cost his company a lot of money!!! To do well in business you have to treat customers right!!

Anonymous said...

I WAS GOING TO PAYOFF AN ACCOUNT TO SPRINT BUT AFTER READING THE COMMENTS ESPECIALLY FROM THE OWNER OF CAVALRY NO WAY I WILL PAY TO THIS SCUM OF THE EARTH, HE MAY NOT BE A DEBTOR BUT HE IS STILL SCUM OF THE EARTH AS WELL!!!!! I GUESS EVERYBODY THAT RECEIVES LETTERS FROM CAVALRY WILL GO TO THE INTERNET TO FIND OUT WHO ARE THEY AND THEY WILL READ ALL THESE COMMENTS AND I AM SURE THAT THIS WILL AFFECT CAVALRY BUSINESS, I GUESS CAVALRY OWNER IS NOT TOOOOOOOOOOOOOOOOOOOOOOOOOO SMART EITHER!!!!!!!!!!!!!!!! JA JA

A.Z. said...

WOW THIS SHOWS HOW SMART ALL YOU PEOPLE REALLY ARE. WHAT MAKES YOU THINK THAT I AM THE OWNER OF THE COMPANY, JUST BECEAUSE I SAID "MY COMPANY" THERE ARE OVER 400 EMPLOYEES THAT WORK FOR CAVALRY AND THEY CONSIDER IT TO THEIR COMPANY, JUST LIKE IF ANY OF YOU HAD A GOOD ENOUGH JOB TO CONSIDER YOURSELVES TO BE PART OF THAT COMPANY. AND TO WHOEVER POSTED THE LAST TWO COMMENTS: DO YOU THINK THAT YOU MEASLY $50.00 OR WHATEVER REALLY MAKES A DIFFERENCE TO [MY] (OOPS DON'T WANT TO CONFUSE YOU) "THE" COMPANY. HA, I LAUGH AT YOU WORTHLESS LOOSERS. ONCE AGAIN SINC, A.Z.

Anonymous said...

be for real... the owner of the company would never have made these comments. I have personally met the man and stood no more than a few feet in front of him.

nice try though.

why dont you try honesty rather than con-games?

LISTEN, FIRST THING IS THAT EVERYONE WHO POSTS A NEGATIVE COMMENT ON THIS WEB SITE IS NOTHING MORE THAN A WORTHLESS DEBTORS!!!!!!!! IF YOU WOULD HAVE JUST PAID YOUR BILLS LIKE A RESPONSABLE HUMAN BEING IN THE FIRST PLACE THEN YOU WOULD NEVER HAVE TO DEAL WITH MY COMPANY. MOST PEOPLE IN THE U.S. PAY THEIR BILLS UNLIKE YOU DIRTY SCUM OF THE EARTH, AND ANOTHER THING IF THERE WERN'T SOOOOOOO MANY OF YOU USLESS FREE-LOADERS OUT THERE THE COMPANY WOULDN'T BE IN BUSINESS ANYWAYS, SO I GUESS THANKS FOR BEING THE GREAT UPSTANDING CITIZENS THAT YOU ARE. SINCERLELLY, A.Z.
# posted by A. Z. : 1:16 PM

Anonymous said...

YOU ARE SO WRONG ALSO. CAVALRY DOESNT HAVE TO PROVIDE ITEMIZED STATEMENTS AT ANY TIME.

NICE TRY.

WHY DIDNT YOU KEEP YOUR ITEMIZED STATEMENTS? ARENT YOU A BOOKKEPPER? DID YOU THROW YOUR STATEMENTS INTO THE TRASH? ARENT YOU AFRAID OF SOMEONE DIGGING THROUGH YOUR TRASH?

You are so wrong! I just got a call from Calvary 35-40 minutes ago saying I owe a debt from 1999. I asked for a letter showing the itemized charges and they said no! they he said "I will just write that you didn't want to pay" After that I called back and he told me he was not going to send me a fax and that I wanted a lot of things "He'd like to see horses fly to, but that isn't going to happen" then proceeded to threten to garnish my wages.... 35 minutes ago. So YES... they do threaten this on the 1st phone call made to collect a debt

Willie said...

Flip the to the FTC...

Anonymous said...

AZ,
You have a worthless company or is it Alfred? Alfred Brothers? Whoever you are, your company is the scum of the Earth. Dream wreckers is all you are. Deal with what you do to people because it will come back at you twice fold. Most of the people were discharged through bankruptcy and you still harass them. Perhaps that's why you have so many civil lawsuits againist you? Get a life.
I hope your whole company goes under. Sincerely,
True Seeker

Anonymous said...

Problem with Calvary
First Contact all three credit bureaus
Second Contact the BBB
Third Contact the Federal Trade Commission
Fourth Read up on the Fair Credit Act
Good Luck!

Anonymous said...

Calvary...
Oh bring out the calvary...
To ruin my life...
Take away my dreams...
Waste money in court...
Discharged through bankruptcy...
Still have to deal with you...
Go away...Far away...Please mess with someone else today...Worthless...Useless...Sick of you...Hope you go bankrupt to...

Anonymous said...

Want the most useless job on the planet be a debt collector, opps I'm sorry, I am a consumer loan receivable company or whatever the heck Calvary claims to be.

Anonymous said...

RELAX... ITS A.Z. IS NOT THE REAL CEO OF CAVALRY.
THE REAL CEO WOULD NEVER EVER COMMENT TO PEOPLE THAT WAY.

BE SMART.. SOMEONE IS ATTEMPTING TO GET A RISE OUT OF YOU AND IT APPEARS TO BE WORKING.

BTW, THERE ARE MORE PEOPLE AT CAVALRY THAT CARE ABOUT YOU THAN YOU THINK.

AZ,
You have a worthless company or is it Alfred? Alfred Brothers? Whoever you are, your company is the scum of the Earth. Dream wreckers is all you are. Deal with what you do to people because it will come back at you twice fold. Most of the people were discharged through bankruptcy and you still harass them. Perhaps that's why you have so many civil lawsuits againist you? Get a life.
I hope your whole company goes under. Sincerely,
True Seeker

Anonymous said...

SPITTING INTO THE WIND.

ALL COMPANIES USE DEBT COLLECTORS OR THEY PERSONALLY TAKE PEOPLE STRAIGHT TO COURT THEMSELVES.

THERE MUST BE A USE FOR IT SINCE THE AVERAGE COLLECTOR IS MAKING ANYWHERE FROM 25,000 TO 70,000 A YEAR. COMPARE THAT TO THE AVERAGE NATIONWIDE FOR A TEACHER WITH A 4 YEAR DEGREE AT 28,700.

I PERSONALLY THINK CREDIT CARDS ARE USELESS AND GET PEOPLE INTO TROUBLE, BUT PEOPLE KEEP GETTING THEM?!?

RE: Anonymous said...
Want the most useless job on the planet be a debt collector, opps I'm sorry, I am a consumer loan receivable company or whatever the heck Calvary claims to be.

Anonymous said...

I GUESS I HAVE A DIFFERENT POINT OF VIEW BECAUSE MONEY IS NEVER WASTED IN COURT- MONEY IS ONLY WASTED ON ATTORNEYS. HAHA!

IF A DEBT IS 'INCLUDED' IN A DISCHARGED ACCOUNT THEN NOBODY SHOULD CALL YOU.
YOUR ATTORNEY (LIKE SO MANY OTHERS) MAY NOT HAVE MAILED OFF YOUR BANKO PAPERS SO JUST SEND CAVALRY A COPY OF THE DISCHARGE PAPER.

SO MANY CLAIM TO BE DISCHARGED WHEN IN FACT THEIR BANKRUPTCY WAS DISMISSED. THIS MEANS THAT THE TRUSTEE/ JUDGE THREW IT OUT FOR ANY NUMBER OF REASONS AND THE BANKRUPTCY IS NOT VALID. YOU MAY HAVE TO REFILE.
PLEASE UNDERSTAND, A LOT OF CON'S CLAIM THAT THEY HAVE BEEN DISCHARGED WHEN IN FACT IT HAS BEEN DISMISSED. ITS NOTHING PERSONAL SO PLEASE DONT TAKE IT THAT WAY.

re: Anonymous said...
Calvary...
Oh bring out the calvary...
To ruin my life...
Take away my dreams...
Waste money in court...
Discharged through bankruptcy...
Still have to deal with you...
Go away...Far away...Please mess with someone else today...Worthless...Useless...Sick of you...Hope you go bankrupt to...

8:40 PM

Anonymous said...

HANDLE YOUR BUSINESS LIKE AN ADULT.

IF YOU FEEL LIKE CLASS ACTION IS YOUR BEST COURSE OF ACTION THEN SO BE IT. NOBODY IS GOING TO STOP YOU FROM WASTING TIME AND MONEY.

ANOTHER OPTION IS SPEND 30 MINUTES TIME OF PAPERWORK TRYING TO HELP INVESTIGATE WHO DID THIS TO YOU AND FILLING OUT PAPERWORK OR CONTACTING THE CBR'S AS IS YOUR RIGHT.

*DO YOU EVER WATCH THE 'NEW' PEOPLE'S COURT??

YOUR REACTION/ COMMENT MAKES IT SOUND LIKE YOUR JUST TRYING TO GET OUT OF A DEBT.

RE: Anonymous said...
So i just found out that they are tryin to collect 315.00 for a sprint pcs account that i did not open someone else used my SS#. They want me to jump tho hoops to get it taken off my crdit report. can you say CLASS ACTION LAWSUIT???

Anonymous said...

WELL THEN, DONT STOOP TO OUR LEVEL.

GET YOUR SETTLEMENT PAID IN FULL/ BALANCE PAID IN FULL LETTER AND CONTACT THE CREDIT REPORTING AGENCIES YOURSELF.

THE CREDIT REPORT AGENCIES WILL UPDATE YOUR PAID, PAYING OR REMOVE ITEMS A LOT FASTER THAN IF CAVALRY WAS TO SEND A REQUEST OVER IN A PILE ALONG WITH THOUSANDS OF OTHER PEOPLES REQUESTS.

EXCERCISE YOUR RIGHTS AND BE SMART!

HAPPY HOME HUNTING...

re:Anonymous said...
Cavalry Portfolio Services (Cavalry Investments) - This could be the most incompetent bunch of people I have ever encountered. Being in the "collection" business myself, I am familiar with the correct way to collect a bad debt. These people are not.
In the winter of 2003 I began my correspondence w/ these people, and since day one I knew they were going to be trouble. It seems as though they are not out to simply collect on bad debts, they are interested more in dragging your name through the mud in the process. I paid off one of the two accounts that they had of mine in May of 2004, no problem. I then began to pay on the second. Come January 15th ish of 2005 they start to call me inregards to the account that was already paid in full. I tried explaining this to them, and the person I was talking to had no idea what I was saying, not only that but he was trying to tell me that the second account that I was currently paying on had a balance of approximately $1500 MORE than it actually had. Well I just got off the phone with them, it is now April 11th, and my accounts have been updated to reflect theier true standing. The part that really pisses me off is the fact that they have been reporting to credit bureaus that I have refused to pay these debts, and that I am what's called a "skip". To date they have not reported any of my payments or payoffs. This is bullshit, I am currently trying to buy a house and my credit report looks terrible because of what these people are doing to me. Is there something I can do to these people legally regarding their false reports to credit bureaus?

Try to make good on some bad debts and this is how these people thank you...

11:19 AM

Anonymous said...

In the event a consumer claims fraud, Cavalry is required to immediately forward a fraud packet to investigate the fraud claim. The documents that Cavalry requests are completely legal, and are used to establish a residency pattern for the period of time the account was active. Very simply, if the residency and ID information do not match, the account is declared fraudulent, and removed from a consumer's credit bureau report. If Cavalry is contacting a consumer regarding a Sprint PCS debt they have purchased, the customer can still contact Sprint PCS customer service to request account information or begin a fraud investigation.

Anonymous said...

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.

AZ said...

ALL YOU PEOPLE ARE JUST CRYING ABOUT THE THINGS THAT I SAY AND DO TO YOU, GROW UP!!!!! AND BY THE WAY YOU WILL NEVER FIND OUT WHO I AM SO KEEP GUESSING ASS HOLES. BY THE WAY I LOVE READING ALL OF YOUR COMENTS ABOUT ME AND MY COMPANY, THAY MAKE ME LAUGH ON DAYS WHEN I MIGHT BE FEELING A LITTLE BLUE, SO PLEASE KEEP THEM COMING. WHENEVER I GET OFF THE PHONE W/ ONE OF YOU LOOSERS AND YOU PISS ME OFF BY EITHER LYING TO ME OR HANGING UP ON ME OR NOT PAYING YOUR BILLS I GET ON THIS SITE AND TELL YOU ALL HOW I FEEL, SO AS LONG AS YOU KEEP PISSING ME OFF I WILL BE DOING THE SAME TO YOU, SO ENJOY.
LOVE, A.Z.

Anonymous said...

AZ,
Seriously, you have to look at "indiviual" as a separate entity. Calvary seems to put everyone in the same "group." A "group" that consists of people who just went out and got into debt in stupid ways. Vacations, material possessions, etc. etc. Some people actually got into debt for their business purposes. The credit card companies like Visa, Mastercard, etc. have hidden agendas-to get people into debt for the rest of their lives. It's not right! Chapter 7, 11, 13 were made to help people, so how when people are sincerely discharged from bankruptcy does your company still harass them? Why get off by wrecking peoples' lives?
Sincerely,
True Seeker

Anonymous said...

What can I say-UNBELIEVABLE. I'm so sick of this company Cavalry not doing their job. Fax them, write them, e-mail, what is the deal. Oh, I forgot they deal with 7.2 billion dollars worth of debt. Well, get to my paperwork already. I'm sick of dealing with all of you.
Aggravated

Anonymous said...

Well - I have almost a $20K debt that with Cavalry that I will not be paying - so Cavalry can kiss off - (and I know I owe it - but since they decided to add an additional $10K in interest, etc., I decided it's not worth my time or effort, I would rather deal with bad credit for a couple of years than to pay outragious fees). I have a family member who works for the credit bureau and to all those people out there who want to get a letter saying the debt is satisfied - MAKE SURE THEY SIGN THE LETTER - collection agencies will try to get away with that bullshit of not signing the letter but sending it to you so that you will send it to the credit bureaus only to hear that the credit bureau will not accept it because it is not signed.

Anonymous said...

If AZ represents the level of intelligence and literacy of the Cavalry employees (with spellings like 'Loosers' for Losers 'Responsable' for responsible) - then all of you who deal with this company may be sure that the incompetent employees you are dealing with probably don't even have their high-school diplomas, are being paid a lot less than $25,000 a year, and are probably desperate for commission on the 'debts' they collect. Cavalry is very probably exploiting AZ and its other under-educated employees - these folks have no other employment options, most likely, other that Wal-Mart. What a disgusting company!

Anonymous said...

Was doing research, came across this website and went into immediate depression and experienced feelings of helplessness at this kind of power of intimdation and control. HOW about the BBB Better Business Bureau or States Attorney's office???? Any help there?

Anonymous said...

had a collections entry on my credit report from a sprint phone which I PAID, and had the credit bureau investigate it, they said it was still oweing. i called cavalry, and they (miraculously!) said it had been paid on june 1... hmmmm... not by me! am i crazy in suspecting that sprint was holding my payment until now? they can't tell me who paid, and i guarantee it wasn't me. seemed like a new spin on the posts on this page.

Anonymous said...

I am a former employee of cavalry, whatever you do do not pay them. Ask for all documentation before doing anything, trust me 99% of the time they won't have it. That company not only scams its debtors it also scams its employees, they use and abuse young people to do there dirty and usually illegal work.

Dave said...

These folks are trying to get money off of me as well, for a debt that is 8+ years old (the statute of limitations expires at 7 years.

I just got a thing from them recently, case dismissed

I'm standing my ground.

Yes, I agree that everyone pays for bad debt, and that a lot of bad debt can increase the interest everyone pays, but remember, first time borrowers may not necessarily see the risks, and also, remember, some lenders do prey on the unsuspecting (which happened to me)

I'm still not perfect, but I did learn a valuable lesson from past experience, and have been doing my best ever since

Anonymous said...

Since this page googles up far Cavarly Inventments I thought I'd post my 2 cents about them too.

They'd recently tried getting money out of me for at ATTWS/Cingular bill which not only had an invalid account number, but I've never had an account with ATTWS or Cingular.

The important thing to do is never share any information with these bastards. They refused to believe that I'd never had a phone from that company, even when I told them they had a false account number (confirmed by Cingular). In the end I found out they weren't certain even of my SS#, and I wouldn't give that to them either so they dropped the claim.

It's important to know that these people use very shady and often faulty or outright wrong information in starting their claims which often works against them.

Anonymous said...

I do beleive if you owe a debt it should be paid. I do not agree with the shady and threatening practices of Cavalry. If you have a problem with this company you should contact the Better Business Bureau and all 3 credit agencies to dispute the charges. If you pay them make sure that you keep record of any amount paid. Always negotiate to pay less than what you owe. There numbers are always inflated anyway. If you can afford to seek legal counsel. This site is a good way to inform people what type of company they are dealing with.

Anonymous said...

Be very careful of trusting these people. I received most recently a phone call from a "bill jones" with Receivables Specialist, Inc. on my home telephone number asking me to return the call. I returned the call as a courtesy suspecting that it was a bill collector and when I tried to exercise my rights under the Fair Debt Collections Act he became belligerent, obnoxious, rude, unintelligible, etc...needless to say because I was getting absolutely nowhere in the reasoning department, I ended the call. He immediately called me back on my work line (obviously he has equipment that records the previous number) and harrassed me at work. He insulted me, harrassed me, threatened me with legal action (ha! good luck with that one, it's like squeezing water from a rock, buddy) and mainly made a complete ass of himself. Let's think about this...does this actually make me want to resolve this debt with his company? Not likely...I could call his client which is, surprise!, Cavalry Portfolio Services, Inc. and make a settlement with them. Or, I could actually walk into a Bank of America branch and settle the debt with them! I would much rather go to Bank of America than deal with a bunch of "ignant", below the surface, crawled out from under a rock, sleazy, desperate a-holes anyday! Word to the wise, they do have access to our credit reports and other bits of personal information. Receivables Specialist, Inc. are borderline thugs and I would be afraid to run into any of them in a dark alley.

Anonymous said...

They cannot garnish your wages. They should not threaten that they can.

Why can't any Cavalry idiot post in anything other than ALL capital letters?

What a bunch of losers!

Anonymous said...

As a current employee with Cavalry Portfolio's, I am amazed of what I am reading. I have been in this industry for 15+ years with several different collection agencys. Cavalry trains all resolution specalists to not only respect the customer--yes we call you customers not debtors! Cavalry does not tolerate abusive or harrassing representatives. The majority of customers we contact refuse to even call back or discuss the several options we offer at cavalry, for the most part the customers are the ones causing this abuse. We are human beings, for the most part this industry does employ people that do not have diplomas and offer them a decent wage. Many employees are single parents and they understand what financial difficulties people run into in a life time. There many collection agencies that violate the fdcpa. Cavalry will not tolerate this and will terminate and representative that violates this, as well as all calls are either monitored or recorded by upper management. Most of the comments i have read are very negative and reflects on the person making these accusations. I suggest that you keep records for 5 years. It is your mistake if you throw your receipts or other recods away. Additionally, in this time and age of identity theft, it is wise that you check you credit bureau every 6 to 12 months, that will keep you from being "surprized" when a collection agency contacts you

Anonymous said...

They just sent my mother a bill for 420 dollars and they said it is from SPRINT account.
But my mother never had any business with SPRINT so I called them and ask them to show me all itemized detailed bill and they refused. They kept telling me that it is my mother's fault for not paying this bill for over fours years so they are not obligated to show any bill.

What a bunch of ballshit, right?

I checked my mother's credit report and there is nothing about this SPRINT account but this Calvalry kept telling me to pay up.

Honestly, my mother doesn't speak any English and she has never applied any phone services under her name because our father or we did for her all the time.

Anyway, to make a long story short, I thinkg this Calvalry is a complete fraud and I think all of us who has experienced horrible time talking with their rep. should file complain to the police immediately!!

I am filing the complain first thing tomoorow morning so I would suggest everyone to do the same!!

Anonymous said...

Hey AZ,

What is so damn right about sending bills to a wrong person and pressure them to pay up!!!???
Most people who complains about Calvalry does NOT owe any money to anyone and that is why they are complaining!!

Can't you see the fact that your company makes so many mistakes - sending bills to a wrong person, sending bills without even checking SS#?????

I just received a bill and I told them my social secutiry number and the rep. said, "Oh, SS# is differnt, so that's it!"
No sorry or any apology......
This rep. admitted that Calvalry has been sending bill to a wrong person but no word of apology..... really classy, right?

At last, AZ-
If you really own Calvalry, why don't you come out and present your name and phone number so everyone can call you to settle the ballshit with you!!!

Come out! State your name!!!
Don't hide if you are proud of what you are doing!!!

And if you can't present who you are, then YOU ARE THE BIGGEST LOSER ON THIS EARTH and I strongly suggest you to see a shrink!!

By the way, if you don't own Calvalry, then you really do have a problem and I feel so sorry for you!!! Because people like you will eventually end up in jail.

So come out and state your name!!!

Cindy said...

Hmm, yes. I keep receiving calls from 1-888-568-0073, which I believe, is one of Cavalry's number. Then thing is, they keep asking for a man named Jerry/Jeremy/Jeremiah. Okay, first of all, I'm not a man. Second of all, none of those three names are mine nor do I know of this person they speak of. Thirdly, I've told them several times that I am not that person and I wish to be removed from their list. I asked politely, figuring that would work, and it didn't. Now I guess I'll have to start being mean. *shrugs*

Anonymous said...

Cavalry Portfolio Services suck! If you have a problem with them, make ONE attempt to resolve it.. just to get it on record. If they will not help. . which I am absolutely sure they won't. . file a complaint with you local attorney general's office. It works. . I owed a debt to Sprint. . after they renewed my contract without my permission then charged me 2 early termination fees for ending my service for their unscrupulous services. I tried to contact Sprint within 30 days, but they had already turned my account over to their partners in crime Cavalry. Once I got disrespected and hung up on by some of Cavalry's "friendly" customer service rip off's, I turned the issue over to the Attorney General who threatened to take out legal action against them if this issue could not be resolved. It's resolved. When you have an issue like this. . TURN TO YOUR ELECTED OFFICIALS. .

Anonymous said...

Listen, be sure to check the Statue of Limitations in your state for these debts, and whatever you do DO NOT AGREE TO GIVE THEM A DIME!!! If you agree to give them money, you have acknowledged the debt, and it can reset the Statute of limitations. Do some research, and find out what is going on with the debt. These Cavalry asses tried to get me for $26,000 for a 10 year old debt (Statute ran out 3 years ago), and an letter stating that you know your rights, can, and will silence them.

Anonymous said...

It's amazing to me that so many "Employees" of Cavalry are posting here. Do you know that the pratices your company uses to collect debt are ILLEGAL in many instances? You personally may not be involved in those practices, but I assure you they are happening. Do they take out your fucking soul on your first day there? It's unbeliveable that so many people would come out, and advocate the tactics that companies like Cavalry use. Any debt "legitimate" or otherwise is bound by the laws of the land, and when you try to circumvent those laws you are just as bad as any of the "scumbag debters" you purport to be above. The fact is that companies like this are leaches, and bottomfeeders. You prey on the fears that most normal people have of their credit rating being trashed, and when those people don't cave to your demands, then you call them scum, and things like that. I'll tell you what would be more profitable for people like you, just get a gun, and go rob people door to door. At least then you would be a little bit more honest, and just be saying "hey, I steal". Don't shroud it behind some high, and mighty "legitimate" business.

Anonymous said...

Don't pay these bloodsuckers any money. Don't even talk to them. Once you do you are SOL. You do not have to deal with them over any debt you might owe. Send them a cease and desist letter immediately. That should shut them up. You can get a lot of good advice and a sample letter at this web site: www.bendover.com. I know, sounds funny, but this guy named Benjamin Dover knows what he is talking about.

Anonymous said...

my husband's job was sent a granishment court order frm calvary investments that was no debt of his. it listed an adress we had never lived at and a social security number that was not even close.someone in the payroll dept sent a copy of my husbands ss card to prove they had the wrong person and lo and behold 2 monthe later calvary transferred that judgement onto my hubbys credit bureau acct. we have been successful with all 3 credit bureaus but it has taken us almost a year

Anonymous said...

Well, well, well....these stupid idiots at Cavalry Portfolio!!!

They were trying to collect on a Sprint cell phone that my husband NEVER had! I got the BBB and the Attorney General's involved and...poof..gone off of his credit reports AFTER they had already verified when I disputed with the credit bureau.

Also, these stupid people has pulled MY credit report! I am about to sue their ass! I have not mentioned my husband's supposed account at all. This is NOT a community property state or anything. They had no right to pull my credit report. They are about to be sued!

Oh, and for all of you people that have been paying Cavalry..DO NOT!!! Also, I saw one poster that had given Cavalry your SS# because they had the wrong one. Don't be surprised if you start seeing them on your credit reports now since you gave them your SS#. Now they can pull your report, manufacture a debt for you, etc.

Brent Gaskins said...

I am currently an Account Executive with Ameriquest Mortgage Corporation. We do refinances for customers with credit scores as low as 500 and purchases at 100% at 600 middle Credit score. You would be surprised how many people scores have dropped since having an account with Calvary to the point where they can't refinance or do anything because of this one account. 800-924-6592 x 204 (for now) Brent Gaskins

Anonymous said...

I have enjoyed this site immensely. Now I don't feel quite so bad about my issues with Cavalry Investments. My husband and I had a car loan paid down to less than 800 remaining. Then when I ran my credit report it showed a balance of over 2,000. Needless to say that we filed bankruptcy due to some issues beyond our control. (I was suffering from a ruptured disk and unable to work.) I know I should have paid but sometimes things happen that force you into a lousy situation. SO.. we filed bankruptcy in March of 2003, the bankruptcy was discharged in August of 2003 and by June of 2004 the car still sits in my driveway. They won the car in the bankruptcy and refuse to come and pick it up. (Did I mention that it has a blown head gasket?) Anyway, fixing this car isn't an option. I called Cavalry up to see what I could do to get the title released to me so I could junk the car. They informed me that I could pay them 2,000 dollars (the amount that was claimed on it in the bankruptcy) and they would release the title so we could sell it for scrap. Ok, so now I have a car still sitting in my yard after a year of talking to these people. No one wants to come retrieve it but they don't want to release a title on it either. You'd think that maybe they'd like to actually get some of the money from scraping this car but instead they sit on this and let it collect dust. That is fine, do what you want Cavalry. I have just had the last straw and have spent some time at my local police department who has told me of how to deal with this issue. Oh and I have to add that anyone that works for this "legitimate" business will one day reap what they sow and find themselves in a situation beyond their control. Maybe by then one of my family members will be the creditor that YOU have to deal with! :)

Chantal said...

Cavalry has called my house looking for my husbands ex-wife. I have no idea how they got our number seeing as how she has never lived here. We told them that they have the wrong number and address for her and that we have no clue where she is. The person on the phone then got an attitude and told us that we needed to find her so she could pay her debt. I would gladly tell them where she is if we knew, but they told us that they would not stop calling our house until they got ahold of her and she told them her correct information. Now does that make any since? She gives them false information and we have to suffer for it. Is there anything that we can do about this?

Anonymous said...

Hey AZ,
I was just wondering if Cavalry is just doing there job, why are they trying to collect money from people who do not owe to them? Also, why are there so many civil suits against them? I am sure that people that work for Cavalry are just people doing what they are told to do to pay their own bills. And I hold not judgement against them or you, AZ.
You may think that people that have bad debt are "scum of the earth," but you are just judging. Now be honest, is there some problem you are having with yourself that acting like a dumb ass makes you feel better?

Anonymous said...

Seems to me that there are too many people not having the greatest service in either phoenix or tulsa offices..but I assure you that over in NY the employees there are doing their job. I called there about a week ago to figure out about a debt I owed back in 2001 that their company just purchased this year. The man I spoke to was pleasant and willing to work with me the best way he knew how. I did tell him about how my friend was referred to Tulsa and her experience was bad, but I guess it just depends on what office is handling the debt. I don't believe they are a scam, for they have the legal documentation to back up their practice, and they have a really extensive legal team there. I just think the customer service reps most of you dealt with were not people friendly, and should not be working for the company. But that's just my opinion...

Anonymous said...

Here's a great one guys, my credit show's a wage garnishment 9/04 from this company for MY EX HUSBANDS account that has been paid in full! I was never served papers to go to court nor has my wages been garnished. Here's the thing this account was purchased from American Investment Bank (they orignally) held the loan. They sold it showing a balance! Now it's with Corporate Attorney by the way here a telephone number for them 1-800-724-1757 they are on the east coast and only open from 7 to 5 east coast time.

little bear said...

for almost a year, cavalry was calling me from az. with a demand to pay $50k for an old vehicle i owned for maybe 2 months. the dealer engaged in odometer fraud, and i returned the vehicle. after calling the arizona police, and demanding to see the "contract" for said vehicle, cavalry stopped calling. they then proceeded to put an arrears amount of $50k on my credit files, and i was unable to refi on my mortgage. they will face civil action for that very soon. anyway, they "served" me (at a non-existant address) and sued me in n.y. court..and received a default judgement when i didn't show up ! my accounts were frozen. now i must go to court to reverse the judgement. all paperwork they presented was fraudulent, including the service of process papers. cavalry's attorney,David Margolin, submitted doctored service documents to the court. his number is (914) 347-5624 for anyone who cares to ask him why he would do such an illicit thing. cavalry's address is 7 skyline drive, hawthorne new york, 10532, 3rd floor. visit them. counter-sue them, as i am about to do. if you wish, i will assist you in defending yourself 'pro-se', or self-representing...by walking you thru the entire process. and always file complaints against people like cavalry with the ftc, bbb, their and your local district attorney/state attorney generals offices, and whichever "union" controls account receivable agents/companies (i'm looking into that one now). give them NOTHING over the phone, and request everything in writing. ask to record all conversations, and if necessary, purchase a p.o. box just for them to send you the documents in question. learn how to write a 'cease and desist' letter, or just ask me how. cavalry is a joke, and together we can bring it down.

Anonymous said...

also, Ameriquest Mortgage Company (AMC) is as bad as cavalry, as is Sprint PCS...think very carefully before conducting any business with them at all.

Anonymous said...

I am trying to buy a house. The mortgage company pulled my credit report and saw that I owe Cavalry over $8,000. After investigation, I found that someone had forged my name on a car loan. It was my ex-husband, and the car had been reposessed, without my knowledge. But since we were married at the time, Cavalry says it is still my debt-even though I didn't even sign the papers myself. They don't call or send anything to me, I had to find out by checking my credit credit report.

Anonymous said...

Same basic situation here. X-wife started an account before we were married and had it mail to PO boxes for 7 years . . $27K later and more lies I divorced her ass. Now Calvary is comming after me. Please I need a Consumer law Attorney in the greater SF bay area.
Please email me: [email protected]

Anonymous said...

Need Consumer Law Attorney in Northern Ca . . Sf area would be great.

Please email names to: [email protected]

Anonymous said...

how do i get them to send monthly statements ???

Anonymous said...

Whew, very nice to know I'm not alone. Yes, Cavalry is insanely incompetent - back in 2002 they got the supposedly delinquent account (an acct that I never opened) from Sprint, and never once have they contacted me.

However, having seen all the posts here, I knew better than to try to deal with them. I called Sprint directly and cajoled my way into talking with someone who is going to look into fraud on their end, hopefully pulling a run-around the nasty, stupid Cavalry people.

Anonymous said...

I JUST RECEIVED A SUMMONS FROM CAVALRY....THAT SAID THEY SERVED IT ON 8/31/05, TO A 40YR OLD FEMALE WHO WOULDN'T SHOW ID BUT THEY LEFT THE SUMMONS AND SAID SHE WAS SERVED. WELL,IT WAS ME! I WANT TO KNOW WHO THIS PERSON WAS...I HAVE NEVER RECEIVED ANYTHING FROM THEM, AND I DO NOT HAVE AN OUTSTANDING BILL. THESE PEOPLE ARE TERRIBLE. ....I THINK THAT I AM GOING TO ORDER A COPY OF MY CREDIT REPORT AND SEE WHAT IS GOING ON, BECAUSE ALL I GET FROM THEM IS AN ANSWERING MACHINE WHEN I CALL. THEY NEVER EVEN PHONED ME REGARDING THIS. WHAT'S UP WITH THAT? I THINK THAT I WILL HAVE MY LAWYER ALSO FOLLOW UP.

tc mn office said...

I am a current employee of Cavalry Portfolio Services in the Minnesota office. I am not affraid to tell you who i am or where i work.
I want to start out by saying this message is not to make people mad or upset.
We are no blood suckers or bad people. collection calls are not something that people who owe money look forward to.
This company purchases debt yes but does that mean we are bad no. i have been doing collections for just shy of 10 years and i have had 1 complaint just becasue we are collectors means we are all going to yell and scream and belittle you.. we all have bills .. we all have problems whether it be a late car payment or late house payment or that one month we cant make the credit card payment. but the difference is did you just let your obligation go or did you take care of it?? those that we call owe money if it is sprint and it is not yours but the ssn matches the solution is easy go get a police report stating it was fraud and that little sprint account goes away. as far as heather kelly she is an automated message ..
as far as us being horrible people./ you debtors ( in general) are mad at us because of a bill you havent paid since 2001 we dont collect on accounts that are out of stats and now we are your NEW creditor . pay us settle if need be do a payment plan we are not unresonable cold hearted mean and nasty .. i know im not i make money because i am nice . i have been a debtor before i have recieved collection calls so i know what it is like to be in both shoes.
just so you know staute of limitations is not from whn the account was opened.
Cavalry works with people who want to take care of their obligations. if you run and have assets and are in a state we will sue you will pay the balance in full and if we do sue and get judgment (which we get often) levey bank account, lein homes and garnish keep in mind that is not every account or every state we work with people on ssi who have morals and pay so if you dont think collecters should have a job pay your bills and our demand goes away

Chantal said...

tc mn office,
so what do people do if this company is harrassing the wrong person? like i said before they have been harrassing me and my husband for a debit his ex wife had and she gave them our address and phone number? it isn't for a debit they had when they were married either. i am honestly asking because we have already told them we don't know where she is and that she gave them the wrong info on purpose, and they still say that it is our problem and that they will continue.

Anonymous said...

Just to let everyone know, Calvary is under ACTIVE investigation by the California AG's office for their blatant violations of the FDCPA as well as the FCRA (refusing to validate and falsely changing dates of last activity). When I get more info, I will post it here.

Anonymous said...

This company keeps calling me about a debt for some other guy in the next town over. Different first and last names and everything. They've called three times in the last week. I keep telling them they have the wrong number and they keep calling. Argh!

Anonymous said...

I just received a letter stating i owe 2,382 from a court date i never knew existed. i called the original creditor and they said it has been written off to Cavalry. i did a search so i could call and try to rectify and they have no website? or anywhere to find a phone #? how can this be normal debt collection practise?

tc mn office said...

To chanell:
tc mn office,
so what do people do if this company is harrassing the wrong person? like i said before they have been harrassing me and my husband for a debit his ex wife had and she gave them our address and phone number? it isn't for a debit they had when they were married either. i am honestly asking because we have already told them we don't know where she is and that she gave them the wrong info on purpose, and they still say that it is our problem and that they will continue.
# posted by Chantal : 11:11



this is what you do... to the person calling you advise them that this is a wrong number and that person no longer lives there and to call again is a violation of the fdcpa

Anonymous said...

DEAR INOCENT AND BEWRONGED!

Listen up because i have all the answers for everyone. My name is RJ and i've been a bill collector for over 10yrs at two seperate Law firms and three other agency's. I've collected on 1st,3rd,charged off,30,60,90 day delinquency's, auto deficnt's,auto repossession's,auto rewrites,settlement charge off credit cards, At&t,sprint,mobil wireless, post and prejudgements for everytype of credit ever made or given out,(And i know the step by step processes that you must take in order to resolve these nightmares, ext,ext,ext,ext,ext. everything except past due newspaper delivery.
What most of you are experiencing is a past due debt from which you may have at one point in time owed from which the original creditor made a mistake and told you the wrong dollar amt to pay debt in full, and the creditor did not respond after payment and they just let the remaining portion sit and rot in their data base for more than one reason. and fees accumulated for months. Or, you had responded to a solicitation from a creditor for a possible sales campaign by calling in to see what they would give you,(not knowing that by giving out your information to them,you automatically waived your rights to have them open your credit ratings,scores,fico,beacon,ext. they did and automatically opened an account under your ss# for an open line of trade. The creditor then charges you a fee for the assestment services waiting for you to respond via mail to have them send you the new form of business via line of credit or plastic card. You then get this junk mail once a week not knowing that a fee has already accrued and you dont ever respond back to the creditor thinking that you can when you want or by not corresponding that they will think your not intereested. They dont have to inform you immediately on this per the fee is added to your first bill along with your first years annual fee, and other fictitous charges. And a credit grantor can get by with this because you simply contacted them in regards to a simple inquirery for some small interest in their company, with the assumption that you will be doing business with them in the future. "These steps are practiced in all forms of future granted credit".
NOW, HOW TO CORRECT THE PROBLEM?
Prior to making a payment over the phone or via mail. No matter how many times you've called them in the past, you have to take these steps in order and no other way or YOU WILL FAIL.
1)find your letter with info
2)get paper,pen,calculator for info
3)DO NOT TURN ON PC TO MAKE YOURSELF LOOK BETTER. Because most of these rep's are between 18-25 yrs old and have only worked there,with no prior experience and truely dont have a clue of the necessary steps and processes it takes for a bill to go from being current to delinquent. keep it simple for yourself so you can concentrate on just the facts from which you will asking from the rep about your account.
4)You will do this only in the morning hours during the weekdays.
reason being,(your fresh and non drowsy and have way more ability to take the comments without loosing your cool."remember your just calling to get the facts of your account,not to have a discussion"
this will allow you to respond back the same day in the early afternoon to have immediate answers from collections company,rather than them telling you that they will mail you your results in the mail 7-10 business days.
5)First call will be at 7am-8am. this is your first contact for a demand of proof for the debt.the call is only to inform the debt collections company that you are making them aware of your resolution and that your disputing or aquiring information of the debt. you will varify what they have with your information. "DO NOT PLAY HARDBALL WITH THEM BY HAVING A CONVERSATION ON WHO SOUNDS BETTER OVER THE PHONE,YOU ONLY LOOK BAD. varify full name,address only on the collection notice,your last four digits of your ss#,they only need those numbers,the account # provided on collections letter,and name of original creditor of appearing name per account may have been sold once or twice. By this time only a few minutes have gone by so ask them amount of debt owed currently today,original dollar amount owed at the time of charge off, and what they are offering you to satisfy the debt. If they are not able to answer all of these questions or they can't tell you name of original creditor.then inform them of an exact time 3-5 hrs later that you will be calling back for an exact answer. this is more than enough time for them to find the info. before you start ending the conversation, ask of there direct line with extension and full name so your not stuck waiting on the phone until your late for your own funeral.
6)Callback exactly the time you gave the rep, per they probably notated exactly what you said thinking that the next rep will read it and start up on you over the phone about "you said the last time you'ld callbck at this time and never did. just an excuse for them to make you look bad. by doing this you already have the upperhand in the conversation and will be spoken too on a drastically more professional matter.
5) if at this time they are not able to provide you with addequite information substaining the validity of their claim, then inform them you dont feel comfortable with them because they have not provided you with enough secured information about there company,and ask for them to contact only by mail, and that they will be recieving from you a c/d letter stating that they may only contact you through the mail. also inform them that by not doing so that it will be a violation of fdcpa. some will not take you seriously so dont forget to tell them that if they do call back after letter has been mailed that the phone records from your residence alone is all you need to provide to the Fair Trades Commission (FTC) in washington dc, for them to be in violation and the FTC will then take over the case. The no contact letter needs some type of notary from court house,attorney,or licensed documentary, the cost is very little and yellow pages will tell you where to go. "FTC info you can get from internet easily"
At this time,by following these easy steps you will be way farther ahead if not completed.
"Remember you may have had a past due bill from years ago that had been forgotten". Only pay principle,they always settle for 50% on these types of headaches.And by presenting yourself as a mature being while being on the phone, this will be easy for you and at the end, you probably hang the phone up telling yourself that was so easy you should have done it long time ago.
"Now that i've (hopefully) helped you,i ask only that you once a week make a gesture to help someone that may be elderly having a problem opening a door to the gas station, or the mentally disabled that people walk by, turn their heads, so they dont have other's looking at them because they are too embarrassed to have that type of attention brought to themselves for they may talk, or look differently than someone without those disibilities.
If thats not available, then sometimes a small compliment to a stranger, will take that person out of the stressfull state of mind for the day, and allow them to forget all of their problems for a moment. I know this, because with my line of work.
Every little bit helps. Good Luck!
R.J.

Anonymous said...

They have frozen my 83 year old mother's bank account for a debt in my deceased father's name. The only income she has is from social security. There are no assets - their home was foreclosed this year, on just about the time he died. My mom wasn't able to keep up the payments, along with everything else that was going on. The 'lawyer's' office that sent the notice have a different story or excuse every day. I don't know what to do!

Anonymous said...

I did a search for Cavalry Investments online and this website came up. I cannot believe how many people have had issues very similar to mine with this collection agency! It really is a comfort to see that I am not the only one who has had difficulty in dealing with these people. I did have a valid debt from 1997, but it was for about $2000. In 2002 I called Cavalry to see how I could pay this, and was told they had no record of me. It was showing up on my credit report, so I followed up with both Equifax and TransUnion to have them do an investigation. They found no record of this debt either, and subsequently removed the debt from both of my credit reports. Apparently in Nov. of '03 they got a Judgment against me and placed a Subpoena with Restraining Notice on my checking account here in NC (the debt originated in NY). This happened in Feb of '05 - I went to check my account online and saw a withdrawal for over $500, explaining simply that it was a Subpoena on my account. When I called to find out what was going on, I was told that they had frozen my account and wanted me to release everything in my checking account to Cavalry. I had no warning! I told them at that time that I could probably set up a payment plan with them, but that there was no way I could release all the funds in my account to them. They did not like my offer, and would not accept what I could pay them per month. They had no idea what my current situation was or what monthly bills I had. I was willing to pay them back, but instead they went through a Marshal in NY and had all the money in my account released to them. I don't know what they're going to come after next! I have asked them repeatedly for any information they have regarding the amount they say I owe - I know that I owe money to them, but I don't think I should have to pay them over $6,000 for a debt that was originally only $3,000. They will not tell me how they came to that figure. After reading all the entries on this website, I think there could possibly be a Class Action lawsuit against this collection agency. Does anyone know how to go about doing this? How many of you would participate in a lawsuit? I don't know if all entries are legitimate, but it seems to me that there are a lot of people out there that have been screwed over by Cavalry. As for the nasty, unprofessional guy who has written in this forum (the one who supposedly works for Cavalry), I guess he has never had things go wrong in his life. No medical/hopsital bills, no family illnesses, nothing that would bring him to owe money to anybody. Not everybody is a scumbag loser who doesn't plan on paying their bills. Most people, including myself, feel reponsible for the debts they have incurred and have learned something from their mistakes. I agree that people should pay off their debts, but sometimes you feel overwhelmed! If I could afford to, I would just pay off Cavalry and never own another credit card. Good luck to all of you. If anyone has any ideas about where I can go from here, please leave a comment for me.

Anonymous said...

Possibly the best class action attorneys in the nation and I would love to see this scum fall. you can email them and they will respond.
LOL

Lieff Cabraser Heimann & Bernstein, LLP
www.lieffcabraser.com
Embarcadero Center West | 275 Battery Street, Suite 3000 | San Francisco, CA 94111-3339
Tel. (415) 956-1000 | Fax. (415) 956-1008| Email: [email protected]

Anonymous said...

Hey I'm up to participating in a class action against this trash, possibly the best class action attorneys in the nation is listed below. Now how do we get together?
They respond to all emails.

Lieff Cabraser Heimann & Bernstein, LLP
www.lieffcabraser.com
Embarcadero Center West | 275 Battery Street, Suite 3000 | San Francisco, CA 94111-3339
Tel. (415) 956-1000 | Fax. (415) 956-1008| Email: [email protected]

Anonymous said...

when the statue of limitations has expired, can my account still be reported to a credit-reporting agency?

Anonymous said...

I have been rec'ing calls, which start out as a recorded message asking for a Donna Lamar. No one in my home is named this. The phone tree tells me to press 4 to tell them "no one lives here by that name". After MONTHS of this, I hold for a representative last night. I get some very RUDE girl and try to explain I have been rec'ing these calls and no one lives at this number by the name of Donna Lamar. She agrees to take my number off of the list. Again, I cannot express how RUDE this girl was. First thing this morning, on my office line (which is under my name of my home line) I get the same call, looking for Donna Lamar. I again hold for a rep (big mistake) I try to explain to this girl what is happening and how I'm very concern now that they are calling now on my office line. As far as I thought, I was being very calm and professional as I also work in customer service and know how to handle myself. Well she proceeds to tell me to calm down a million times and if I knew what an inside voice was. At any rate, I got very frustrated with her and I called the Better Business Bural and they suggested I contact the District Attorny's office. If I get one more call from these people, I will be calling my DA !!!! This is company truly unbelievable!!!! I love the comments from the owner - classic !

Anonymous said...

Thank you - I will try the below. Though, I hope I dont receive anymore calls that dont pertain to me. After reading all of the above - this is very scary and I dont need these kinds of headaches !

Chantal : 11:11
this is what you do... to the person calling you advise them that this is a wrong number and that person no longer lives there and to call again is a violation of the fdcpa

10/04/2005 12:26 PM

Anonymous said...

My husband previously posted a message about Cavalry freezing his bank account and trying to collect $50,000 for a vehicle on 8/30/2005 9:31 AM (posting date)so I would like to update you on the case. My husband filed a Traverse and went to court in September and the lawyer for Cavalry did not show up. He sent someone else and this man would not identify himself. My husband found out that his Traverse was partially granted. (the lawyer wanted him to settle before they met with the judge but my husband refused to do it)At the beginning of November he went to court and represented himself and WON. The case was dispose without prejudice so they cannot sue him again. He took the court papers to the bank and now his money is no longer frozen. Cavalry lost because the "so called" process server did not come to court and they presented false documents with dates changed. The first page of their documents had writing on it and no dates. The rest of the papers did not have my husband signature on it. It was blank. My husband is getting ready to sue Cavalry and the attorney. They should really be investigated for fraud. LETS SCORE ONE FOR THE PEOPLE. Cavalry can be beat in court. If the debt does not belong to you or the amount of money that they claim you owe is ridiculous and incorrect, don't be afraid to fight them. Do your research and be prepared for court. GOOD LUCK!!

BULLDOG said...

Beat the crap out of a debt collector two nights ago felt good should not have told me where he worked...........wonder if he got his teeth put back in?
I don't owe a cent to anyone ...just hate those people

A R said...

After reading the comments thru out this web site I am dumb founded. My 70 yr old father just recieved court for owing Calalry Investments LLC $7,383.89 - appearing in Civil Court in Jan 2006. No letters have been sent; no phone calls have been received; no copies of bills have been received - nothing. I live with him and am home all the time - so explain to me how can they do this and pull a $ figure out with no proof of what is owed??? My father has always paid his bills and has a perfect credit file - I guess we'll show the courts & their hired attorneys a thing or too. Without proper paperwork / statements / collection attempts, etc they will have a major lawsuit thrown right back. Will keep you posted.
A R Suffolk, VA

Anonymous said...

re: CAVALRY PORTFOLIO and the comments here.....especially the ones signed by AZ. Please be advised that AZ are the initials of the president/chief exec. at CAVALRY.....name Andrew Zaro living in Bedford,NY Cavalry SPV I,LLC is located Skyline Dr.suite#3, POBox 1030,Hawthorne,NY 10532 phone 866-4342996 or 914 3473440
it'd be interesting to find out if this poster AZ is,in fact, Andrew Zaro. He IS listed as Cavalry chief executive officer. anbyoner at cavalry has email addy of their first initial,last name then @cavps.com. hate the SOB bottom feeders.....they make lawyers look like saints

Anonymous said...

anbyoner at cavalry has email addy of their first initial,last name then @cavps.com.
stupid me! that should be ANYONE. ;-)

Anonymous said...

RE:cAVALRY pORTFOLIO sERVICES, hAWTHORNE,ny. VERY INTERESTING THINGS i FIND WHILE INVESTIGATING THIS CO. MANY EMPLOYEES IN THE HAWTHORNE NY OFFICE ARE UNDER AGE 21, MANY WILD PARTY GIRLS, SOME IN COLLEGE, MANY, many USE THE SITE MYSPACE.COM WHILE AT WORK, A FEW EVEN POST WHERE THEY WORK, ABOUT THEIR DRUGS, PARTYING, UNDERAGE, AND A LOT OF SEX. SOUNDS LIKE A DREAM JOB.....GET WASTED THE NIGHT BE4 WORK, CALL IN SICK, NO PROB! GET TICKETS FOR MULTIPLE THINGS AT THE EXACT TIME YOU'RE SUPPOSEDLY 'HOME SICK', ONE EVEN FOR POSSESION, AND THIS CO. LOOKS THE OTHER WAY! MAYBE THIS CAN EXPLAIN THE ATTITUDE OF THE EMPLOYEES, DARNED HARD TO BE PLEASANT WHEN YOU'RE NURSING A HANGOVER, ATTENDING COLLEGE WHILE WORKING, YEA, SOME EVEN USE THEIR WORK TIME FOR SCHOOL ASSIGNMENTS. THE LIST GETS LONGER, BUT HELL, I WILL SEND MORE INFO TO THIS SITE, SURE, i'M PAID TO CHECK OUT THIS AWFUL CO. BUT JUST LETTING OTHERS WHOM BEEN VICTIMIZED BY THEM KNOW THIS INFO IS FEELING GOOD.

Anonymous said...

I was looking into my checking account online and noticed a $100 missing from my account. According to the bank it is some sort of levy attorney fee from David V. Margolin office tel:914 347-5624. I called but obviously it is after work hours. Who are these people???!!! How can they do this with no warning whatsoever??? Is there someone to conact about this? I've been reading all the comments and I'm kind of scared.

Anonymous said...

I spoke to CALVALRY INVESTMENTS LLC and they said they ordered the bank to freeze my account until I either make payment arrangements or release money from my account. Are these people crazy??? Who are these people that can just call up a bank and say I want this account frozen. NO notice whatsover!!!

Anonymous said...

David Margolin is located at 7 skyline drive, hawthorne new york, 10532, 3rd floor. He is a debt collection attorney who works for Cavalry. His office is on the same floor with their offices. I must assume that he served you or pretended to serve you with court papers and you did not go to court. He probably got a default judgment against you which gave him everything that he needed to freeze your account. I would tell you to try to get your docket number for the case then go to the court and get the information. You can try to get the case open again by proving to the court that you did not get served with court papers. Doing that will stop a turnover order which will release the money to them. It is possible. Look at another post on the blogger which is similar to yours. Good luck!

little bear said...

well, it was my sincere pleasure to decimate attorney(?) david margolin of cavalry llc in court in queens county, new york. after if inished with him, he signed a stipulation order stating that he could never bring action against me at anytime in the future. he had "served" me, recieved a default judgement for $48,000 (that's right, 48 thousand dollars), and was happily freezing up my money. but he picked the wrong guy this time. if anyone is in a similar situation, and would like some assistance with removing these leeches from their backs, feel free to call me at 1(808) 372-5568 for more details.

Anonymous said...

hahaha I work for cavps and i have read every single comment on this site although it is unfortunate that people do get mistreated by a handfull of collectors within the company not all of us are that way. I have been with the co for over a year now and I can assure you that people who are caught using those types of collection methods are repremanded or terminated wihout question.
It is also very vague for someone to post comments using the initials of the CEO whom I have personally met i assure you that he has better things to do with his time rather than make scrupulous and idiotic comments. I have also reason to believe that the person making those comments is one of the bad apples that all of these customers are complaining about.
When I make an attempt to collect on a debt in my files I make the first attempt to try and resolve the matter in a professional way, unfortunately that is not always the way things work out most of the accounts that we try to collect on have been to so many different agencies and the customer has heard everything in the book and have already disputed the accounts and have just been sold to another co and they have to start the process all over again.(in some cases) not everything that we collect on is out of stats.
If you are having problems with a collector ask to speak to their, or another manager or even their site director you will most definitely be treated with respect when respect is given. Alot of the time when arguments occur it is frustrating to the customer and the collector in my own opinion. For one we are trying to do our job and two we are trying o satisfy these accounts as quickly and easily as possible. I would much rather be able to alk to the customer and resolve the situation rather than have to deal with any legal situation. I dont have a perfect credit score and I also have unpaid bills so I know exactly what it feels like to have collectors calling you if there is nothing you can do than there is nothing you can do I am not going to sit and argue with you and waste my time.

Anonymous said...

Hi,

Isn't there a law in your Country that states these people can only come after you for money owing for so many years. Here in Canada we have a law that states any Company can only come after you for THREE YEARS, if they try and take you to court and have your wages garnished it will get tossed out of court. By the way, here Collection agancies are not allowed to harass prople. I have actually heard stories, where people took the collection agencies to court and not only have there credit cleared they won a judgement against the company, in other words the collection company had to pay the person they where attempting to collect from.

You can also try a debt consolidation place. They will help you to pay off all you owe. They will be the ones to deal with the collection agancies. Here in Canada as long as you are paying something, even if it's five dollars a month, they can't touch you because you are making an effort. There was a collection agancy that took a woman to court and she made the effort to pay them everymonth, it was something like 25 dollars, the judge cleared her debts and was awarded a settlement.

I had Power of Attorney for my step-father, I MADE CIBC VISA Swallow 15,000.00 in debt because some stupid employee told me the payments I was making on his behalf are not good enough. Over here you are not allowed to say that. That means your debt is now paid in full no matter was is still owing on that debt. CIBC went through seven collection agancies that got nowhere with me. They harassed my step-father to the point of a massive heart attack, and it was at that time that they told me the payments are not good enough. I responded, thank you very much, my step-fathers debts are now paid in full. Any further contact from you towards any member of my family will be dealt with in court. I very nicely said goodbye. The next time a collect agancy called, I told them I am no longer willing to discuss this so called debt as it is paid in full. When I also paid a monthly payment I NEVER, NEVER paid the collection agancy, I always sent the payment to CIBC VISA, it meant that the collection agancy had to go looking for the payment on a huge data base. I enjoyed making them work and never paid the collection agancey a dime. Cibc finally investigated my fathers account and realised that I could very much sue them, not only for harassment but for causing my step-fathers heart attack, they lied to him and said some terrible things, that under our laws would never of happened, they actually stated they could take him to court and through him in jail. My step-father had Dementia and no longer understood his rights. You need legal advise. Find a lawer that is just starting out that wants to make a name for themselves and protect yourself. There has to be a cut off for money owing.

In Canada, the child of a parent is not responsible for there parents debt. You are to give a 30-60 day notice for anyone who can prove that a debt is owed to them, if after that point they do not come forward, then too bad.

My grandfather died about 7 years ago, the nursing home he lived in for the first 6 months had abused him, they hit him to the point that we see some nasty marks on him. I had him taken out of there within 24 hours and placed into another nursing home. This is after I flipped out and told every nurse in that place if they so much as looked at my grandfather the wrong way, I will become their worst nightmare, this was in front of the police who happen to casually look the other way. One year later my grandfather died at the age of 83, two months after this that nursing home contact us and demanded the last months bill for my grandfather, can you imagine they would have the balls to do this, I laughed at them and told them where he was buried and told them to go there and ask for there money. There was not one thing they could do about it. Another way to tell someone to piss off is to tell them to wissel for their money.

Anonymous said...

They have been calling me also wanting to collect on a student loan that has been dismissed sine 20 years ago. We need to file a class action suit against them for harasment....anyone interested????

Anonymous said...

Go to:
http://www.donotcall.gov/ and register their number.

Anonymous said...

The people at this company are rude and are hard to find to get in contact with. They dont contact you until they feel good and ready they want nothing more then to let the problem grow and collect a much interst as they can. Someday they might understand how to be human and talk to people like you and me. If they could understand life and people the could do a better job collecting.

Anonymous said...

Cavalry makes me want to their Tulsa office (about 3 hours away), and planting a homemade bomb somewhere inside the building.

Or, I'd like to line up each cavalry employee, tie some rope to their arms, and drag them down a road until all their skin is removed.

My favorite thing to dream about though is taking all the females that work there, and throwing them in an all male prison where the inmates have been lockup for years without pussy. Just the look on their faces would be well worth the $122 bill from god knows where they say I owe. I hope it makes them feel good that attempting to collect debt may be hazadous to their health.

Anonymous said...

918-665-5703. This telephone number is related to "Calvary Portfolio Services." Perhaps someone as agitated as I have been will benefit from knowing their telephone number. They are seeking someone completely unknown to me and refuse to believe the telephone number at my new home is completely unrelated to the persomn they seek. They refused to tell me the address of the "call center" from which they were calling. Reverse phone searches have yielded nothing so far...If ever I get accurate and definitive information associated with the rude, harassing, less than intelligent personnel at the "call center" I will definitely pursue them with th e law and the Better Business Bureau. 877-566-0010 and 918-665-5705.

Anonymous said...

This is crazy!! I received a warrant to appear in court over a debt above a thousand dollars from Calvary. I have never owed this amount or less to anyone...It is not even on my credit report..so I typed their name in a search engine and I find this site! Class action suit??? -DEFINITELY!!
Obviously these people are trying to collect money and hoping people aren't intelligent enough to be aware they are full of s**t...They pray for peoples' ignorance and/or their intimidation working...Won't work here!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Anonymous said...

Someone needs to send in the CAVALRY to stop these people. They bought an old car loan that the original bank wrote off. Balance was about $1200. Now I have been ordered to pay almost $5,000!!!!! It was done in such a confusing and unscrupuolous way. They were able to put a freeze (and SEIZE) my bank account and prohibit me from banking in my county. Left me and my child nearly homeless when the rent check was not honored due to their seizure. We had no food in the house, no gas in the car and close to $500 in the bank that was swiped out from under me. They presented the original loan paper only and not the wholesale amount the car had been sold for. The original debt no longer even appears on my credit report. By the way, I had paid on that car loan for all but one year and it would have been mine outright. I was in a horrible position when the car was taken and feel like I am being put right back there again. Sounds like some Armagedon scenario with with this organization representing the "beast." I hear "companies" such as these make a living off inflating old, written off loans they buy for pennies on the dollar. They ambush people and could care less that a child's welfare is at stake due to their antics and guerilla collection methods. I was all for paying what it was I TRULY owed, but in trying to get information that was FAIR, I was sued and not given a clear opportunity to defend my position. I'm sure my wages are soon to be garnished. I cannot even cash a check right now without it being seized and handed over to these clods.
I've envisioned some black-hearted collector in a tacky pin-striped suit giving his buddy a high-five over his $3,500 commission he made off some dumb broad who didn't know what hit her. Take a look at the complaint list the Better Business Bureau has on these folks. I may not be able to avoid having $5,000 taken from me, that I don't have (plus interest on top of the already inflated interest plus inflated legal costs of course) but at least I can voice my opinion in this forum. If you are under attack by this "company," I urge you to get legal assistance immediately so the same thing doesn't happen to you. There should be laws to protect consumers from this type of "collecting." I was naive enough to think I'd receive a summons and be told where to appear in court. It doesn't work that way. Protect yourselves and your assets before you end up eating crackers to survive.

Anonymous said...

I beleive everyone is responcible for there actions no matter what! I settled my debt whith the original complaintant over 5 years ago over a mistake I made when I was 18. Yes, I said MY bad. Cavalry told me 1 time on the phone they would take it off my record and didn't. I takes gods intervention to get help or a live person on the phone and now I have to pay more intrest for a new house because they won't comlete there legal end of the matter. I know they are just making a living but I preffer it's with people who will not pay there debts. Any ideas?

Anonymous said...

I can empathise with the last post. 30% interest on a small loan to keep utilities on plus way over the norm on interest for a car loan... and on and on. When you're down and out, it seems to me, that's where the "system" wants to keep you. As far as the whole collector nightmare goes with me, I give up. They win because I am too damned tired of trying to fight what feels like beasts of the underworld. When all is said and done, they will have bled me for multiple times the actual amount I had owed -- all pure profit for them -- all completely legal, adding extraoridinarily high fees along the way. Remember, we're among the "bulk bad debt," and considered with the ranks of those who were sent to debtors prison centuries ago. No one cares what this does to struggling families, whether or not they can even eat after these agencies are done with them. Forget what is fair. Try maintaining middle class status in America once you've hit a hard rock on your path. If there is any sublime justice, maybe the unscrupulous collectors need to experience a loss then have a bad debt collector go into attack mode on them to feel just how fair the collection system really is. Life will go on thanks to ramen noodles and cheap boxes of mac and cheese. At least this "cavalry" doesn't come after folks with nooses.

Anonymous said...

I've seen the name mentioned here David Margolin that he's an attorney for Cavalry. Who is Christian Parker? I thought he was an attorney there as well. Who is an attorney for Cavalry that is "in charge" of their legal team?

Anonymous said...

I got a letter also. They are trying to collect money from me from AT&T on a bill they said I owed. I called AT&T at least three years ago and disputed the charges and heard nothing since. Now, this company buys it from them and tries to collect!! It's crazy!! I believe that AT&T sold this bogus charge on me to get the money and this company prays on information from other companies to collect and scam people to mess up their credit and keep their "get rich quick" scam in operation. I've been burned in the past also, losing accounts that have all but ruined me. I'd like to know who they are - and get some answers QUICK!!!

Anonymous said...

I recieaved a letter saying that I owed $176.93. I have NEVER had any outstanding debt. I called Cavary Portfolio Services, and asked who they bought the debt from, they did't know...how is that possible?
I contacted the BBB and they advised me NOT TO PAY. They told me that it was a scam.

ElizabethStahl said...

I am in bankruptcy and was surprised to see a proof of claim submitted to the bankruptcy court of $18,877.11 by CALVARY SERVICES LLC. I had no idea what it was for and investigated this claim, after the trustee of my bankruptcy had sent me a notice that he planned on paying this "debt" in full on my behalf. After I dug through my records I found that I had retained an attorney in 2003 to have this BS debt from CALVARY SERVICES LLC removed from my credit report. My attorney also made them cease their non-stop telephone harassing on my cell phone while I was at work. Did anyone else get harassed by a rotten woman that gives the evil name of Terri Voellner? This B**** would call me at work non-stop after I would hang up on her. She was retarded and would spell her name to me over and over. By the fifth call she made to me, she then would proceed to tell me that I was a total piece of crap. Thank God my attorney stopped this and her. Being a single mom with two children, the last thing I wanted to do was spend money on an attorney and worry over losing my job.

Bottom line is...Due to the fact the debt is well beyond the statute of limitation for collections, (6 years in California) and I have yet to see any court papers or judgement to collect a deficiency, there is NOTHING that gives them the right to collect any money whatsoever from me and probably you as well. It is intimidation by CALVARY criminals. After they removed their derogatory mark from my credit report, I never thought of it again. Now, unbelievable as it may seem, here they to harass me, yet again, 3 full years later. Again I have to pay an attorney to file an objection to their BS claim. I am ready to join any class action suit against Calvary Investments LLC, and can be contacted at my email: [email protected]
I want to pass along something useful to those of you in the same situation. A site I found for you to check the statute of limitations on for collections for any state in the US http://www.carreonandassociates.com/articles/sol.htm
Do not allow these a**holes to intimidate you! They are cockroaches and are no stranger to consumers filing legal charges against them for their practices, checkout:
http://www.paed.uscourts.gov/documents/opinions/06D0572P.pdf

http://www.nfa.futures.org/basicnet/Case.aspx?entityid=0297789&case=02BCC00005&contrib=NFA


We can stop them if we speak out together!

Anonymous said...

Cavalry just cleaned out my checking and savings account with no threat of garnishment. they have a judgement in 2003 ,but i also have a letter of dismissal without prejudice. how is this possible. Any advice???

Anonymous said...

Cavalry didnt send me shit in the mail, I notice the collection on my credit report! But the messed up part is they claim I owe them 146 dollars for an AT&T wireless account that I never had! NO NO NO, it wasnt no one using my damn ss# either, because I called AT&T wireless my own damn self and gave them my ss# to see if I had any accounts with them. guess what?? NO freaking evidence that I had an account with them presently or in the past!!! The funny part about it, lets say I did or someone fraudlent opened an account in my name, WELL, how come it doesnt show up on my credit report as a charge off or etc??? I have had an account go into collections before and believe me the OC's bad mark stayed on my report for 7 years even after the fact it went into collections!! Need I say more?? OH, one more thing, CALVARY, I SENT YOU A VOD DISPUTE (CERTIFIED MAIL), HOW COME YOU HAVENT RESPONED YET?? Your fucking 30 days are up!!!

Anonymous said...

I recently had a bank levy from winn and sims who are the lawyers of calvary. They took all my money from my bank account and I had my rent and bills money. I being trying to contact them and they tell me that the person i need to speak to is not there now because they took all my money i have to leave my home or get the money to my landlord by this friday. I really don't know what to do to get this people to give me my money back does anyone know of a good lawyer that could help me?

Anonymous said...

Researched
Cavalry Portfolio Services
http://fairdebtcollection.typepad.com/fair_debt_collection/2005/12/index.html
Connecticut Department of Banking
Government Relations and Consumer Affairs
260 Constitution Plaza
Hartford, CT 06103-1800

Telephone:
(860) 240-8299 or
Toll-free: 1-800-831-7225
Fax: (860) 240-8178
http://www.ct.gov/dob/cwp/view.asp?a=2235&q=297974&dobNav=|

Consumer Collection Agencies
Licensed in Connecticut
CCAG 12205 , Cavalry Portfolio Services, LLC 408 St. Peter Street St. Paul MN 55102- , (800) 322-3323
CCAG 11675 , Cavalry Portfolio Services, LLC 4050 E. Cotton Center Blvd. Bldg. 2, Ste. 20 Phoenix AZ 85040- , (888) 473-3581
CCAG 11674 , Cavalry Portfolio Services, LLC 9522 E. 47th Place, Ste. H Tulsa OK 74145- , (981) 665-5600
CCAG 11673 , Cavalry Portfolio Services, LLC 7 Skyline Drive Hawthorne NY 10532- , (914) 347-3440

How May We Help You?
Complaints re: Banks | Collection Agencies | Rental Security Deposits

If you have a complaint against a company, individual or entity regulated by the Department of Banking, please complete our online form below.

Please note that the department's ability to take action with respect to a particular complaint is limited to situations where there is an apparent violation of those laws subject to its jurisdiction. In such cases, the department can pursue administrative remedies, injunctive relief through the office of the Attorney General or refer the matter for criminal prosecution.

You should recognize, however, that we are not a court of law. We cannot compel monies to be refunded, contracts to be canceled or damages to be awarded, nor can we act as your attorney and provide legal advice. Rescission, restitution and damages may be available through a private lawsuit. Therefore, you may wish to consult an attorney to explore what rights you may have under federal and state law and whether you have a basis for prevailing in private litigation.

All complaints will be handled in the order in which they are received. In most instances, responses will be issued to consumer complaints within 60 days. File a Complaint Online

As an alternative to using the above form, you may file a written complaint
if you have attachments to submit to the agency regarding your issue.
A customer assistance form is available for download to help you summarize your written complaint. The form is available in both Microsoft Word format (customer.doc, 1 page, file size 40KB) or as a fillable PDF file (customer.pdf, 1 page, file size 28KB). (See PDF handling notes).

#2 How Cavalry Portfolio Services, LLC present themselves.

At Cavalry Portfolio Services, LLC the banners hanging in our office exclaim, "At Cavalry, the CUSTOMER is King!"
Our focus is helping customers create affordable resolutions
We build relationships and create winning solutions
At Cavalry we work with you, not against you
Our motto is "Cavalry………to the rescue" and we believe in making a difference one person at a time.

Cavalry has acquired assets from major banks, consumer finance companies, public utilities, and others. Since 1999, Cavalry has purchased over 3.5 million accounts with current aggregate balances in excess of $9 billion. Cavarly has three call centers located in St. Paul, Tulsa and Phoenix, with the home office in Hawthorne, New York.

We provide extensive paid training, a competitive base wage and obtainable bonuses and commissions. Our associates also have the benefits of:

Affordable Medical, Dental, Vision, and 401k plans, along with 20 paid days off a year, Disability Plans, Employee Assistance Programs, and Career Development programs.

Come join the Cavalry. It's Cavalry to the rescue of bad debt.

Cavarly Portfolio Services, LLC is located at 4050 E Cotton Center Blvd, Bldg 2, Suite 20, Phoenix, AZ 85040. Resumes can be emailed to [email protected]

Found 10 Employment Opportunities
Click on each title to view details. Position Title City/Town/
County State/Province/Country Job Type Date
Accounting Clerk Phoenix AZ Full-Time 03/02/2006
Collections Manager Phoenix AZ Full-Time 02/24/2006
Data Analyst Phoenix AZ Full-Time 03/21/2006
Dialer Administrator Tulsa OK Full-Time 06/21/2006
Legal Administrator Phoenix AZ Full-Time 05/12/2006
Resolution Specialist - Entry Level Tulsa OK Full-Time 11/08/2005
Resolution Specialist - Entry Level St. Paul MN Full-Time 05/07/2006
Resolution Specialist - Experienced Tulsa OK Full-Time 11/08/2005
Resolution Specialist - Experienced Phoenix AZ Full-Time 03/22/2006
Resolution Specialist - Experienced St. Paul MN Full-Time 05/07/2006
http://www.cavalryportfolioservices.com/employment/positions.cfm

Contact Cavalry Portfolio Services, LLC
(602) 667-0128 x11058
1-(877) 883-8598 fax
3mmmmmmmmmmmmmmmmmmmmmmmmm3
Cavalry Portfolio Services LLC
Cavalry Recoveries LLC
Cavalry Portfolio Services Unveils New Online Payment Center
2 May 2006

Hawthorne, NY (PRWEB) May 1, 2006 -- Cavalry Portfolio Services LLC has launched an online payment center to help its customers take better control of their debt in more innovative and user-friendly ways.
Customers can now go online to the Cavalry Portfolio Services website where they can manage any of the following account services directly:

• View account information
• Update their profile
• Make an offer to resolve their account
• Set up a customized payment plan to resolve their account
• Make a payment online

Cavalry buys consumer debt portfolios from banks, credit card companies, consumer and auto finance companies, and other financial institutions.

At Cavalry, our focus is helping customers to create affordable resolutions,» said Andrew Zaro, Cavalry CEO. «We recognize that financial issues affect each person differently, so we built this website to provide our customers with more flexibility in managing their accounts.

Cavalry works with each customer individually to resolve debt issues, Zaro said.
Most people get into debt because of a major change in their lives, such as a job loss, divorce or illness,» he added. At Cavalry, we understand that. People's situations also change and improve over time. Our goal is to work with you, one-on-one, to find a financial solution.
Customers with questions about their accounts also can call Cavalry at 866-434-2996.

About Cavalry Portfolio Services LLC

Cavalry buys and collects distressed consumer debt portfolios from banks, credit card and consumer finance companies, as well as other industries including automotive, utilities and telecom. The firm has offices in Hawthorne, New York, Phoenix, Arizona, Tulsa, Okla., and St. Paul, Minn. Its affiliate companies include Cavalry Investments, Cavalry SPV I and Cavalry SPV II.

Source: prweb

Has any one thought of filing complaints at conn where their are registered. Hope this helps.

covemedia said...

1. It's easy to wait for 6-12 or (try 4 years) months...let them to sweat. Pay off from a settlement...discounted about 50-60%.
2. Don't go to some skinky "counselor"...you'll give some money for some less than professional person to take your money.
3. Look at the California State law for Civil Code 1748.9 - 1748.14 (the law is available on-line for every state) California must state on your statment that lists "How many years to pay by minimum" See it. You will never see any statement on any I've seen yet. FRAUD, it's against the law..learn to become a pro se (for yourself)learn to defend your property!!!
3. Next special! Federal Law: The Consumers Fair Practices Title 15 Chapter 41 SS1692c and thru those sections…It stops the creditor IMMEDIATELY! And stop many abuses. If you learn, you can sue them THE MEANS IT…starts at $500,000 punitive plus your little credit bill.


http://www4.law.cornell.edu/uscode/html/uscode15/usc_sec_15_00001692---c000-.html

It’s your personal handbook for every Consumer…from the Congress gave us this tip. USE IT. You’ll get some balls a bit, get tough on those creepy creditors, Learn, the laws, the Constitution.

Write and send a letter “Ceasing Communications” to your friendly creditor. Your phone will be quiet again. They can send real letters about the matter….but no abuses or nasty, multiple ringing, tricky ways, etc. see the list below of crazy tacticts..you…later keep phone calls, dates/numbers any weird letters, inform them who they are and that we will let them will cost them $1,000. Perhaps you’ll sleep a bit at night. Whatever strategy you do,,,the law and Congress, you the People, wanted folks to have peace, rather what brings law….sleep tonight…each other day to face with it’s real problems with the noise from a fear-monging creditor. Peace.

Anonymous said...

When they call....I like to call them cocksuckers and hang up. I know it ruins their day. Scumbags.

Anonymous said...

I dealt with Cavalry August 2004 and resolved a debt when my X-husband defualted on a car loan in both our names. Yes it is now 2006 and I received antother letter regarding the same debt but this time from an Attorney that they have hired to collect the debt that was paid in 2004. All the lady could say to me when I called is sorry good thing you kept all your documentation. I think we should all get togather and send our complaints to

Cavalry Investmments
7 skyline Dr.
Hawthorne NY 10532

If we all complaine maybe they will realize how crappy there company really is

Anonymous said...

if you try and work with them...they will "pretend" to leave you alone..then buy any "penny paper" they can find on you and wait a couple of weeks, months...then start to call. They will try and collect on the smallest debt (even if it is not yours) and then once you work with them..hit you with anything they can get their LOSER hands on. Don't trust them, they are bottom feeders, as are their so-called workers.

Ahremes Paizmor said...

There are 4 shareholders for Cavalry Investments/Portfolio Services.

Here are 3 of them.

Al Brothers current CEO
Andrew Zaro founder of Cavalry & Zirgo
Don Strauch

If you want to email to complain then send complaints about any employee to:
Todd Tipton
[email protected]

And tell 'em that Ahremes Paizmor sent you.

Anonymous said...

THESE PEOPLE ARE DEBT SCAVANGERS AND ARE USUALY BRAKING SEVERAL FEDERAL LAWS.I HAVE FOUND THAT I LIKE BEING THE PLAINTIFF MUCH BETTER THAN THE DEFENDANT. WANT TO STOP THESE LOW LIFE TYPES? LEARN THE LAW. BECAUSE EVEN THE COURTS BREAK THE LAW ALL THE TIME PROTECTING THESE LOW LIFES. THE BEST INFO. I HAVE FOUND IS ON www.richardcornforth.com/ GET HIS BOOK "HOW TO BEAT UP ON DEBT COLLECTORS" AND MAYBE CONSIDER SOME OF HIS OTHER TRAINING. SCRIPTURES SAY "MYPEOPLE ARE DESTROID FOR LACK OF KNOWLEGE" BUT AT THE SAME TIME IF YOU OWE A DEBT TAKE CARE OF IT. BUT I DO NOT LIKE BLOOD SUCKERS. SIGNED DENNIS

Anonymous said...

These individuals have no idea what they are doing! I am a first time homeowner who was trying ti extend my Line of Credit. That's when I discovered this collection account! I never received a notice of debt! No phone call...nothing. With al the resources of locating people, you mean to tell me this company could not find me to send me a notice! ZabaSearch, White Pages...hell, I am listed in the phone book! The worst part is...this isn't my account, but I have to spend 6 months clearing it off my cedit report in order to take care of my financial needs!

timbo said...

You will all be happy to know that a Larkay D. Wesley filed on herself and all others a class action lawsuit against Calvary Investments, LLC and Calvary Portfolio Svcs in the Easter District Court of Pennsylvania on May of 2006. The memorandum and and order states that Calvary Portfolio Services was in violation of rule 12 of the Fair Debt Collection Practices Act. A copy of the case is available in pdf form at The Eastern District of Pennsylvania website. Case number is 05-3523.

The lawsuit was filed because Calvary was collecting on debt that was reported as being disputed by the credit reporting bureau. She claims that Calvary was reporting false information about a car loan which did not belong to her.

Calvary denied they were in violation of the rule because Calvary is not engaged in the collection of debt. They believe that they are a data furnisher and are obligated to mark the debt as disputed when contacted by a consumer reporting agency. They denied all allegations and asked for the suit to be dismissed.

The judge denied Calvary's motion for dismissal.

In Calvary's own arrogance they feel that it isn't their job to report any disputes to credit reporting agencies after their own investigations and are not liable under the Fair Debt Collection Practices Act.

d said...

I just cannot believe this company the creditor did not even hire cavalry to persue this debt and this company is trying to garnish my bank account on some judgement they so called received in court against me supposedly. on something they said they tried to contact me when they did not and it was not even me who showed up in court. I think this company is some kind of scam. if there is anyone out there who knows how to handle this type of situation with this co. please post something up because I am trying to figure out how to handle this situation. thanks DgB.

d said...

I have read some of the other comments and to those people that think that some of us just don't want to pay our debt. is wrong for instance when I called they said I have to accounts with them and one of them I do know about because it is mine and in the convo with the rep. he informed me that the debt. i knew about I am a current costumer with this company and I asked for them to forward the old bill to my new address where my current account is in good standing with the company but he informed me that this company (att) when they close old accounts they don't forward the bill to your new bill it just sits there now who's fault is it. not mines If I moved and requested for the bill to be sent to me and they did not and ofcourse I forgot about it because it is something from 4 years ago. and in the meantime its been sent to my credit report now that's bs. don't you think

Anonymous said...

I actually worked for cavalry for 6 months located in hawthorne new york, they do not train us enough to be able to deal with such serious matters as example someone not being able to buy a home because of an unknown debt, i would try to help the customer the best i could but most of the time found myself giving wrong information, it paid $12 an hr so i stuck with it. my boss nigel who ran the telecommunication portion is a complete jackass, hes slimy and a piece of shit he trains us to con ppl, half of these debts are fraud, thats why sprint at&t and all the other companies sell them to us, cavalry is bullshit they fired me because i needed a week off after a family member died. FUCK CAVALRY!!!

bonebreaker said...

I dealt with a man on the pho0ne that, may I just say, incredibly rude, he was not at all professional, he acted like somewhat of a bully. Now me, I'm not a small guy and I've been fighting all my life, if this guy was at my front door and spoke to me the way he did on thae phone.........trust me, he'd be down for the count. Cavalry Investments, I'd say definite scam artists.

The Blue Chip Credit Coach said...

Calvary Portfolio Investments, LLC is known as a “Junk Debt Buyer”. Companies like Calvary Portfolio Investments, LLC purchase old debts and pray on a consumer’s ignorance to his/her right under the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. Calvary Portfolio Investments, LLC most deceptive practive is preying on the fact consumers do not know about the statute of limitations that applies to debts, and or the legal liability of a consumer on debts that have expired, which is none!!! The first thing you want to do is get a copy of your credit report. Once you have a copy of your credit report, you will want to write a letter requesting that the credit report bureau, investigate the accuracy of the Calvary Portfolio investment entry. Once you receive the results of the investigation, if the entry that you disputed is verified as accurate, send another letter to the bureau asking them for the verification method used and demand strict proof (i.e. copies of signed contracts etc...). The credit bureaus then have to provide this information to you in 15 days, if they do not they must delete the negative information from your file. You can also send a debt validation letter ( VOD) to Calvary investments requesting that they validate the debt. They have 30 days to do so. They may try to tell you that they have already sent you a letter; if they do this, they must provide you with certification/ proof that they tried to make contact, but most importantly, even if they provide you proof that they sent you a letter, it is of no consequence because even though you did not dispute the validity of the debt in 30 days, it is not an admission of debt. Also challenge Calvary on their authority to be able to collect on the debt. You do not owe a collection agency anything because you never signed a contract with the collection agency; therefore, you do not owe them any money. (Unless it is an in-house collection agency belonging to the original creditor.) In order for the collection agency to be able to collect, there must be an agreement between all parties involved. You never gave to consent to Calvary. Also look into filing a complaint with the FTC. Send me an email [email protected] and I can assist you as much as possible. I have helped many of my clients enforce their rights under the FCRA, FACTA and FDCPA and deal a devastating blow to this unscrupulous collection agency.

Anonymous said...

First and foremost I would like to say is FUCK Calvary Investments!!(Please excuse language). Secondly I would like to say that I, like all of you, were at some time indebted to this scum sucking company...These people call you up and threating to sue and you don't know what to do...What they are assuming is that you don't know you're rights and most cases they are right..EDUCATE YOURSELF PEOPLE!!.. Everybody messes up or get caught up in situations in life and can't pay their bills...It happened to me too...Find out about the statute of limitations on debt..In alot of cases the time has run out and you legally don't owe them a dime! Find out about federal and state wage garnishments....find out about how to eliminate items from your 3 credit reports from these bastards(You can do this for free..Don't pay anyone..).Knowledge is Power...Get Some!!

Anonymous said...

STOP CAVALRY NOW

Send them a certified letter return reciept requested. Tell them in the letter you are excercising your rights under the fair debt collcation practices act and demand they cease and decist any and all communications.

This will stop all mail and phone calls from these crooks.

Also for more info on this collection/scam agency and many others go to WWW.BUDHIBBS.COM

It a free web site that tells you how to deal with these scum sucker bottom feeders.

Anonymous said...

well, well, well. i'm in the same boat with a bunch of other folks. I've got creditors interchange calling me about a 10 year old debt owned by cavary. in texas, it's a 4-year statute of limitations, yet i still get harassed. after 10 years, they are not even supposed to call me about it! i have a lawyer working for me and the bud hibbs website has some good advice too. these collectors need to realize the law applies to them too.

Anonymous said...

1. Start with a call or letter to your state Attorney General office.
2. FInd out what is your state's SOL (statute of limitations). If the SOL has passed and no payment has been made then they should not be able to collect.
3. Send any correspondence via certified and return receipt mail. If necessary, copy the AG office.

Anonymous said...

I files for bankruptcy back in 1991 and from 2000-2004 Cavalry sent me letters collecting on a bill that was discharges in my bankruptcy back then. I gave them the docket number so many times I finally went to a lawyer. My lawyer very nice took very good notes of the contact, and then said if they do not stop then will will preceed with a lawsuit against the company in federial court. Now once you mention federial court it means no state lines are a boundry anymore. After my lawyer did that I have not received anything ever since. FOlks if you have a problem with this company go see a lawyer let them scare their pants on them. Also the bankruptcy judge was informed and a letter to the company that sold the account to Cavalry was threatend with a fine of violating Bankruptcy laws of trying to collect debt that was discharged by the judge. One if they failed to show up at the the bankruptcy hearing thats their fault, two if they failed to adhear by the letter sent to them by the bankruptcy court then thats their fault not my fault because I went through proper procedures.

Anonymous said...

I got a call from these people this morning, and didn't answer as I was unfamiliar with the number. They didn't leave a message.

After reading the comments, I'm glad that I didn't, and I doubt that I ever will answer their call. I checked my credit standing last week. I know where I am, and they sound horrible.

Anonymous said...

This is a great blog, besides the obvious debt assholes trying to pose as real honest people here. Just keep calling them and forwarding their illegal computer generated phone calls to other discontinued 800 numbers. Their the scum of the Earth.

White said...

The person they are looking for does not live here, cannot be reached through this phone number and I did not run up this debt. I have told them that. They still keep calling. I am filing harassment charges!!!

Anonymous said...

The Tele Zapper is a product I'm using now. It sends a disconnect signal to these automated phone services. That automatically deletes your phone number from their database.

Anonymous said...

I love this!!

Thanks!!!

I am going to get edcuated from all the bookmarks I have after reading all this.

I may start a company helping people in dealing with this company.

LOL

HMMM Call Center?

Auotmated servers dedicated to just dialing Calavary?

Anybody got any good recordings they can listen to?

I would love to spend money to do just this-- a non profit business.

Heck I would pay to have fun like that anyday.

Time to go shopping.

I am looking forward to setting this up.

They get new numbers I add new numbers.

I think I will play cheech and chong for them first.

Then freddie??? :)

Anonymous said...

ISP of this company:

http://www.gblx.net/

Whois output for this ISP, containing abuse e-mail addresses and contact e-mails for the tech people at this ISP. It may make no difference, but I think the ISP needs to know what this company odes, it could ruin the reputation of the ISP. I think they should be flooded with e-mails about this company.

ReferralServer: rwhois://rwhois.gblx.net:4321

NetRange: 208.48.224.0 - 208.50.127.255
CIDR: 208.48.224.0/19, 208.49.0.0/16, 208.50.0.0/17
NetName: GBLX-6C
NetHandle: NET-208-48-224-0-1
Parent: NET-208-0-0-0-0
NetType: Direct Allocation
NameServer: NAME.ROC.GBLX.NET
NameServer: NAME.PHX.GBLX.NET
NameServer: NAME.SNV.GBLX.NET
NameServer: NAME.JFK1.GBLX.NET
Comment: THESE ADDRESSES ARE NON-PORTABLE
RegDate:
Updated: 2002-10-14

RTechHandle: IA12-ORG-ARIN
RTechName: GBLX-IPADMIN
RTechPhone: +1-800-404-7714
RTechEmail: [email protected]

OrgAbuseHandle: GBLXA-ARIN
OrgAbuseName: GBLX-Abuse
OrgAbusePhone: +1-800-404-7714
OrgAbuseEmail: [email protected]

OrgNOCHandle: GBLXN-ARIN
OrgNOCName: GBLX-NOC
OrgNOCPhone: +1-800-404-7714
OrgNOCEmail: [email protected]

OrgTechHandle: IA12-ORG-ARIN
OrgTechName: GBLX-IPADMIN
OrgTechPhone: +1-800-404-7714
OrgTechEmail: [email protected]

Anonymous said...

Many of these idiots calling are trying to collect on debts that are past their statute of lmitations and probably are ready to come off your credit record. I found this out after I was sued in court for a credit card that was coming off my credit account. They said they bought the account from the original debtor (called "junk debt") and try to collect on them. They should NOT be able to collect on them. Cal them on the statute of limitations or get your attorney to back them off. I even called them and wrote them letters telling them I was disabled and had no job and even when they won a judgement they still wanted me to come in and prove I had nothing. I now have a judgement on my credita nd these jerks wel I don't know what to say. Do not deal with them.

Anonymous said...

Breaks down the Statute of Limitations for debts by state:

Remember if you pay anything, the SOL starts from the beginning again. So don't.

http://www.cardreport.com/laws/statute-of-limitations.html

Anonymous said...

SOL just means how long it can appear on your records. A company can still ATTEMPT to collect that debt after that time expires... simply advise them not to contact you anymore - preferably in writing... they can't sue past the SOL... and that makes them sol. ;)

Anonymous said...

I called 2 of the numbers today several times in a row, just kept saying I want my number of their list,that the person they were looking fo has never had this number,after the 4th call,they told me it had been taken off their list. Just keep calling,it is tiring,but they don't like it and go away.

Anonymous said...

THE PRICKS ARE CALLING ME ABOUT SOMEBODY I HAVE NEVER HEARD OF!!

CALL THE CEO HIS NAME IS Andrew Zaro at 914-347-3440

Anonymous said...

CALL THE CEO HIS NAME IS Andrew Zaro at 914-347-3440

Anonymous said...

CALL THE CEO HIS NAME IS Andrew Zaro at 914-347-3440

Anonymous said...

Wow, after reading ALL of the stories I don’t feel so bad. Cavalry has been after me for years, yes they don’t give-up trying. I will use the great information found in this blog to end the harassments. In short there was a balance on a visa about $2,300 back maybe nine to ten years ago. At that time I was struggling newly wed with four kids, but paid most of my bills. MSNB was my first and only credit card. I made payment arrangements with them and still could not make a dent as the interest was well over 19% at that time. My credit limit was only 2,500 or something like that. To date Cavalry is looking to get about 10,000 last I checked! They filed a judgment against me for some ridiculous amount and now are trying to put a Judgment lien on the home I live in. The morons are so horny for money that they don’t research property deeds. They are assuming I own the house when in actuality my father owns it free and clear. My dad’s name is similar to my, but obliviously we have different SS#. Not only has the Statue of Limitations passed but now they placed a lien on a property that I don’t own! My lawyer is going to having a field day with this. Cavalry has hired a local attorney to do their dirty work not know that they too will be dragged into the counter law suit. I willing to pay my lawyer what ever his fees are just to make my point, and I hope he makes a killing maybe I could retire on the money and start a new company helping others with similar problems.

Anonymous said...

The Un-Ethical Morons called me last week, asking for someone else, whom I had never heard of. After I told them they had the wrong number, the women then spit out my name with the last four of my SSN. Shocked I asked how they got that information. Refusing to answer, she stated I owed them money on some account I had never heard of. I told her to send me a letter and proof of the debt. They have yet to, but continue to harrass my house.
Now, I have not problem paying a debt that I owe, but these unethical morons are acting like the MOB. Illegally using scare tactics and a strong arm policy to recover debt that is not legitamate.

I am filing complaint with the Federal Trade Commission as well as contacting my State Attorney General.

Anonymous said...

This company has some how taken a bad debt against a Inc company I owned in 2000 for $5000. some how got a Judgment against me in 2006 and in 2 years somehow claim I owe them 0ver $28000 and are now trying to file a Foreclosure on my home. These people need to be but out of business. They wait till the debt is very old and hard to track and pay off county Judges to get what they need to come after you.

Anonymous said...

We all need to get together and file a class action suit! Anybody interested?

Anonymous said...

Yes....i'm interested. These people somehow magically got a wage garnishment for a credit card debt when I was 18 years old. I'm 48 yrs old now & the garnishments started in June 2008. The debt on the Visa when I was 18 was around $1600.....Anyone wanna take a guess at what the amount is now? Over $8000!!!! Here's my contact info if anyone is seriously looking into a class action suit: [email protected] My name is Joan btw.

Anonymous said...

While Cavalry isn't inherently an evil company man of their employees are less than professional.
Cavalry purchases bad debt, assumes it to be valid and pursues the alleged debtors. Some of these people actually owe money. Unfortunately a large number do not.

Know your rights, learn about the FDCPA. And handle these people accordingly.

As a former employ I can say this... The management staff do NOT care about your rights, the employees or little else. They are only concerned with making money and saving money, how they get there doesn't matter.

The company has an unsatisfactory rating with the BBB and rightfully so.

I'm glad to no longer be a part of such an awful company that takes a necessary industry and turns it into an unnecessary evil.

Anonymous said...

I think all carvery people should die. At least they will pay at the end of time,burn in HELL

Anonymous said...

I would like to build a army of people ,at least 1 million strong to put them out of business.Without breaking the law kill their business and put a few at the top in prison.Is anyone up for this?When we are done with them we can go after other scum of the earth.

Stop Collectors now said...

Stop this scum now. I am assembling a army to destroy them. interested visit my site.

Anonymous said...

Calvary left me with $0 by going into my bank account without me even knowing. I have no money to pay rent, buy food, and cost of living. I have repeatedly told them that I want to pay, give me just a little bit of time to get things squared away financially. I do not want to file bankruptcy, just want to pay the bills when I have the money. It only hurts me because of poor credit. I was trying to reestablish that. Now I have $0 ~

Anonymous said...

"Cavalry Investments, LLC" is had a summons and complaint served to me. They are threatening to sue me for an outstanding amount of $18,000. Are these people actually legit or they are just trying to scam people out of their money?

Anonymous said...

I work for Cavalry Portfolio Services, unfortunately, and I feel for your losses and frustrations. Although it's true they're a legitimate Agency, in terms of licensing and compliance, they undoubtedly stop at nothing to collect the debt they purchase. They will sue, they will garnish wages, they will issue property liens, they will avoid providing proper documentation when asked, and worst of all, they look for every reason, loophole, policy, procedure, and excuse to avoid paying commission to the company's own employees. It has a reputation of hiring "not very smart and competent" collectors, because simply, they won't know how badly they've been screwed by their employer until after they've inevitably been fired or quit. The company hides behind a veil, it's "Vision" Statement, which it uses as a shield, but it's bullshit, like their compensation structure. Interestingly enough, the owner of the company's father was affiliated with the mob on some level. The owner himself evidently used the many millions of dollars he accrued through his family cookie business in NY City to finance his initial debt purchase. His wife is a soap opera actress. His name is Andrew Zaro. He and his wife own a very large property in the Hamptons that's currently on the market for just over $40m. The property comes equipped with its own island, and the lot is located on a peninsula. He and his wife are the second highest consumers of water in the State of New York. They are avid socialites. They are also avid Corporatists who're either too blinded by gold glitter, too soulless, or too inept to comprehend that his executives are instilling business practices that are creating an incredibly hostile work environment for the common employees. Next time they call you, tell them to start paying their people a competitive wage, instead of peanuts and shotgun shells. Also, tell them to quit creating dispositions that are specifically designed to prevent their collectors from earning more than their base pay.

Anonymous said...

Collection agencies can be bullies! In many of your situations that I have read just briefly, accounts like you have been talking about can be corrected through credit repair. If you need assistance with your credit and/or need help disputing accounts like this, call me at 920-599-0000. I read and repair credit reports everyday fixing problems like these by the handfuls! I have helped many achieve their financial goals by helping improve their credit worthiness! By the way, thank you all for the useful information on this collector!