Winn and Sims vs. me

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.
 

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.
 

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
 

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.
 

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.
 

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...
 

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???
 

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.
 

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.
 

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.
 

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?
 

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?
 

Does anyone have a number to Cavalry Investments?
 

602 667 0128
 

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
 

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.
 

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
 

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.
 

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...
 

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!!!!!
 

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
 

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!!
 

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.
 

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

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!
 

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.
 

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
 

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.
 

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.
 

RE: Does anyone have a number to Cavalry Investments?

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

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??
 

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.
 

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.
 

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...
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.
 

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!!!
 

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
 

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...
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
 

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.
 

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!!
 

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
 

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.
 

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
 

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
 

Flip the to the FTC...
 

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
 

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!
 

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...
 

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.
 

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
 

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.
 

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
 

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???
 

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
 

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.
 

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.
 

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.
 

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
 

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
 

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.
 

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!
 

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?
 

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.
 

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.
 

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
 

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.
 

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.
 

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.
 

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!
 

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
 

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!!
 

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!!!
 

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*
 

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. .
 

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.
 

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.
 

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.
 

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
 

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.
 

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
 

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! :)
 

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?
 

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?
 

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...
 

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.
 

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.
 

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.
 

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.
 

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: Davbelastname@Comcast.net
 

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

Please email names to: DaveLastName@Comcast.net
 

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

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