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Wednesday, August 11, 2004

Cavalry Portfolio Services

I was bored, so I decided to see who Cavalry actually was, and it looks like I hit the nail on the head from this entry.

From their website:
...one of the largest buyers of distressed debt in the United States...

It's still one of those things that my brain wants to spell as Calvary for whatever reason (see previous post).

619 comments:

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Anonymous said...

All I can say is be very aware of what is going on with Calvary and your account. I had a credit card that I fell behind on. The debt got sold to Calvary and I made a deal with them to pay off the debt. I sent them 3,000 (500 less than the original amount) in the form of a money order. I assumed everything was fine because 2 years went by and I had heard nothing. Then, two months ago, I get this judgement taped to my front door telling me that I am being sued by Calvary. Sadly, all the paperwork I had from making the payment had been losed in a flood just after I had paid the darn thing off. Long story short, I have been making monthly payments of 75.00 per month to the law firm that represents Calvary. However, that was not good enough and now they have garnished every dime I have to my name (4800 dollars) Talk about freaking nightmare!

Anonymous said...

Not sure about your situation, but here are some facts about judgements and law suits. Generally speaking, you cannot have a judgement placed against you without being served a notice by a court of law to appear before a judge for a civil trial. If a judgement was placed against you without your knowledge that you were to appear in court, then you should immediately seek an attorney's advice and have that judgement set aside. Typically, there is anywhere from a six month to one year time frame from the date a judgement has been issued for that to be contested under such circumstances.

It is possible that you were never served notice that you were being sued, but that the documentation was forged. That is easy enough to prove.

If you paid the settled amount, you can obtain copies of such proof via your bank that the sums were paid. If you paid by certified check or money order, that information is also available from the bank or firm you purchased the money instrument from.

It sounds as though there is more this story than you related here, but if that is all there is, then fight it tooth and nail. Filing a fraudent judgement is a criminal act. Furthermore, the sum you mentioned would be high enough to be considered as grand theft under most state's criminal codes. You should seek legal counsel immediately.

Anonymous said...

I do have a credit card debt, but is this a ligitimate company? They said they would send me information for electronic checking withdrawal. I haven't heard a thing? How do I find out more about the company.

bob said...

Dealing with this company is impossible. I also have a "Sprint" account that I never heard of but I have disputed the thing for years to no avail. Each and every person who gets on this website needs to contact the Federal Trade Commission and register a complaint about these ignorant morons.

Anonymous said...

THIS IS A MESSAGE TO ALL THOSE CONSUMERS THAT LET LATE BILLS GO TO COLLECTIONS HERE IS SOMETHING YOU SHOULD KNOW: 1) YOU SIGNED THE AGREEMENT, YOU NEW EXACTLY WHAT WOULD HAPPEN IF YOU DID NOT PAY ON TIME, YOU ALSO HAD THE OPTION TO DECLINE THE OFFER. 2) YOU DO HAVE RIGHTS HOWEVER A VERY LIMITED AMOUNT OF CONSUMERS EXERCISE THEM OR EVEN EDUCATE THEMSELVES ON THEIR RIGHTS (MOST JUST MAKE OUTRAGEOUS CLAIMS THAT THEY KNOW THE LAW WHEN IN FACT THEY ARE COMPLETELY UNEDUCATED IN THE LAWS). 3) BY LAW YOU DO NOT HAVE TO BE CONTACTED BY DEBT COLLECTOR ABOUT YOUR BILL (LAW STATES A DEBT COLLECT MUST SEND 1 NOTICE W/ A 30 DAY VALIDATION PERIOD TO YOUR LAST KNOWN ADDRESS, NOTHING STATED THAT YOU HAVE TO RECEIVE IT, ADDITIONALLY DEBT COLLECTORS AND THEIR SUPERIORS *DO NOT HAVE TO TALK TO CONSUMERS*). 4) DISPUTES ARE ONLY VALID IN WRITTING AND NEED PROOF (CLAIMING DEBT IS INVALID IS NOT A VALID DISPUTE). 5) HARASSMENT IS DEFINED BY THE INTENT OF THE ACTION, *NOT DEFINED BY THE CONSUMER*. 6) COLLECTORS HAVE RIGHTS, A CONSUMER CAN BE SUED FOR HARASSMENT!!! IN OTHER WORDS BEFORE YOU MAKE ACCUSATIONS EDUCATE YOURSELF, TOO MANY PEOPLE GET UPSET OVER THEIR DEBT AND TAKE IT OUT ON THE WRONG PARTY. I HAD A DEBT WITH SPRINT AND THIS COMPANY HANDLED IT PROFESSIONALLY, AS MUCH DID NOT WANT TO PAY FOR IT AND WANTED TO GET OUT OF PAYING IT I STILL KNEW IT WAS OWED.

Anonymous said...

It seems Sprint PCS is at fault with this also. After reading everyone's comments, there is an awful lot of Sprint cell phone bills that people don't have any knowledge off, hmmmm? I am one of them, I have NEVER owned anything from Sprint and yes I DO PAY MY BILLS, but this sprint bill that was sent to Calvary is straight out fradulant and something is going on here!!! Give it time, somebody from calvary or Sprint or mutltiple employee's will go down over this, mark my words!!

Anonymous said...

This opinion will be unpublished and

may not be cited except as provided by

Minn. Stat. § 480A.08, subd. 3 (2004).



STATE OF MINNESOTA

IN COURT OF APPEALS

A04-2501



Sharon Y. Young,

Relator,



vs.



Cavalry Portfolio Services LLC,

Respondent,



Department of Employment and Economic Development,

Respondent.



Filed October 4, 2005

Affirmed

Gordon W. Shumaker, Judge



Department of Employment and Economic Development

File No. 16947 04





Sharon Y. Young, 255 West Maryland Avenue, St. Paul, MN 55117 (pro se relator)



Patrick J. Casey, 408 St. Peter Street, Suite 210, St. Paul, MN 55102 (for respondent-employer)



Linda A. Holmes, Minnesota Department of Employment and Economic Development, First National Bank Building, 332 Minnesota Street, Suite E200, St. Paul, MN 55101-1351 (for respondent-department)



Considered and decided by Kalitowski, Presiding Judge; Shumaker, Judge; and Forsberg, Judge.*



U N P U B L I S H E D O P I N I O N

GORDON W. SHUMAKER, Judge

By writ of certiorari, relator challenges the order of the Department of Employment and Economic Development's senior unemployment review judge disqualifying her from receiving unemployment benefits. Because the record reasonably supports the decision of the senior unemployment review judge that relator committed misconduct, we affirm.

FACTS

Relator Sharon Young worked for Cavalry Portfolio Services, a collection agency, from June 12 to August 30, 2004. Cavalry’s employee handbook states, “A no call no show absence of two days from the workplace constitutes job abandonment and is considered a voluntary resignation. The employee’s separation date will be considered the last day worked.” In a signed statement dated July 21, 2004, Young acknowledged that she had read the handbook and knew that she was responsible for complying with it.

In the seven weeks Young worked for Cavalry, she missed work seven full days and left early on three other days, according to Cavalry’s records. On August 27 and 28, 2004, Young did not report to work and did not call in. The next time she returned to work, on August 30, 2004, Cavalry discharged her for job abandonment. Young worked less than a month at another collection agency before applying for unemployment compensation from Cavalry’s account on October 17, 2004.

An adjudicator from the Department of Employment and Economic Development determined that Young was disqualified from receiving unemployment compensation because Cavalry discharged her for employment misconduct. Young appealed the determination, and a hearing was set before an unemployment law judge (ULJ). The ULJ affirmed the adjudicator’s ruling, and Young appealed the ULJ's decision to the senior unemployment review judge (SURJ). The SURJ affirmed the ULJ's decision that Young was discharged for employment misconduct and concluded that Young was disqualified from receiving benefits. This certiorari appeal follows.

D E C I S I O N

On appeal, we review the decision of the SURJ, not that of the ULJ, and give special deference to the SURJ’s decision. Tuff v. Knitcraft Corp., 526 N.W.2d, 50, 51 (Minn. 1995). The determination of whether an employee committed a specific act of misconduct is a question of fact. Scheunemann v. Radisson South Hotel, 562 N.W.2d 32, 34 (Minn. App. 1997). We review findings of fact made by the SURJ in the light most favorable to the decision and will not reverse such findings if they are reasonably supported by the record. Lolling v. Midwest Patrol, 545 N.W.2d 372, 377 (Minn. 1996). But whether a specific act or acts constitute misconduct is a question of law, which we review de novo. Id.

An employee discharged for employment misconduct is disqualified from receiving unemployment benefits. Minn. Stat. § 268.095, subd. 4 (2004). Employment misconduct is “any intentional, negligent, or indifferent conduct, on the job or off the job (1) that displays clearly a serious violation of the standards of behavior the employer has the right to reasonably expect of the employee, or (2) that displays clearly a substantial lack of concern for the employment.” Id., subd. 6(a).

An employer has a right toTop of Form

Bottom of Form

expect that employees will work when scheduled. Little v. Larson Bus Serv., 352 N.W.2d 813, 815 (Minn. App. 1984). An employer also has a right to establish and enforce reasonable rules governing absenteeism. Jones v. Rosemount, Inc., 361 N.W.2d 118, 120 (Minn. App. 1985). Employment misconduct may include the following specific actions related to absenteeism: (1) chronic and excessive absenteeism, even if not willful or deliberate, id; (2) failure to notify one’s employer in advance about absences, Flahave v. Lang Meat Packing, 343 N.W.2d 683, 686 (Minn. App. 1984); and (3) leaving work early without permission, Psihos v. R & M Mfg., 352 N.W.2d 849, 850 (Minn. App. 1984).

Among other findings of fact, the SURJ found that Young often failed to work when scheduled; that she was absent more than seven days during the seven weeks she worked for Cavalry; that she left work early without permission on July 30; and that she failed to notify Cavalry in advance about her absences on July 31, August 27, and August 28, despite her knowledge of company policy. The record supports these findings.

Young claimed that her attendance records at Cavalry were inaccurate or falsified; that she asked for August 27 and 28 off two weeks in advance; that her manager agreed to give her those days off; and that she saw no reason to call in, because she had permission to be absent. But Cavalry claimed that its records were accurate; that Young never filled out a required Time Off Request form; that Young did not have permission to take the two days off; and that Cavalry seldom approves requests for time off at the end of the month because the end of the month is a busy time for collection agencies.

When there is inconsistent testimony in the record, we defer to the credibility determinations of the SURJ. Heitman v. Cronstroms Mfg., 401 N.W.2d 425, 427 (Minn. App. 1987). Here, the SURJ reviewed the conflicting testimony and stated:

Young’s testimony and evidence she had obtained permission to take the two days off is not believable. A preponderance of the evidence leads us to conclude Young’s conduct clearly displayed a serious violation of the attendance standards Calvary [sic] has the right to reasonably expect of her and a substantial lack of concern for her employment.



Young’s absenteeism was chronic and excessive. She was absent more than twenty percent of the time when she was scheduled to work, she left work early without permission, and she failed to notify her employer in advance about absences. The SURJ reasonably concluded that Young’s actions constituted employment misconduct and that she was disqualified from receiving unemployment benefits.

Affirmed.


READ THIS THIS IS HOW EMPLOYEES ARE TREATED AT CAVALRY AND I HAVE SEEN THIS HAPPEN FUCK THAT COMPANY
--------------------------------------------------------------------------------

* Retired judge of the Minnesota Court of Appeals, serving by appointment pursuant to Minn. Const. art. VI, § 10.

Anonymous said...

Let me share my thoughts of Cavalry Portfolio Services...

1) Jackasses
2) I'm hosting a "www.cavalrysux.org" website that will be up soon.
3) Everyone that reads this should do this. Dispute the Cavalry account with your credit bureau as many times as possible. It might be removed, it might not. However, every time you dispute Cavalry, they have to use on of their minimum wage employees to respond to the dispute, which costs them money. If everyone stand behind this, we can cost Cavalry thousands, possibly millions in wasted time and paperwork. Hopefully, we can put this white trash business out of business. I took Cavalry to court over a $33 fraud bill, and they sent me a check for $300 and cleared my file if I dropped the case. I did drop the case and take their money, but I'm still going to cost them as much as possible. Anything I can do to increase their overhead cost helps. In fact, I even have my computer set to dial their 800 number over 6000 times a day. Every time it dials, it costs THEM money.

So, lets all do what we can to put this mismanaged, overrated, white trash company in debt itself. With your help, we can end Cavalry's future, and the future of all the uneducated employees that work there.

If your a cavalry employee, go breathe chloroform while driving on the highway.

Anonymous said...

I worked for Cavalry for 5 years, and in some cases many of you are correct regarding inaccurate information. On occasion an account is mishandled at the credit card companies, it reaches chargeoff status and the problems begin.
On the other hand, some you don't have a clue regarding statute of limitations and chargeoffs. The statue of limitations concerns only the ability for the companies to sue for monies owed, it has nothing to do with the fact that you still owe the money. Chargeoff is not an alternative to bankruptcy which is what some of you are looking for, a way out of paying for a mistake you made not managing your, or facing hardship.
Let's don't lose sight that you created a debt, whether it seemed unintelligent to offer credit to a college student with no job, it's easy to say they made the mistake. Please take ownership of your own miscalculations and pay the damn bills. It costs the rest of us more for products and bank services because several million people look for the easy way out.
Collecting debt is no worse than any other job, it's only bad to those who don't want to pay their debts, and a pain in the ass for those that honestly don't owe and haven't had someone follow through on the customer service part. Unfortunatley the collector is only going off of the information provided by the bank, whether correct or not, and the presumption is that the debt is incurred and owed by the person to whom they are speaking.
Be patient and get a job if you owe, they aren't taking your house.
If the debt was the banks fault, be patient and try to provide the information needed to fix the problem. The intention at Cavalry is to resolve the situation, whether it be through payment or documention of fraud.
I am no longer in the collection industry but I know the company is a good one.

Anonymous said...

Short and sweet Calvary sucks! Their customer service is lacking- sorry, it just doesn't exsists. People who are in debt are still people bottom-line. Furthermore, I can't believe the way their vampires speak to military personnel.

Anonymous said...

A DEBT THAT IS OVER 6 YEARS OLD CANT BE COLLECTED,SO I TOLD THEM TO KISS MY A

Anonymous said...

what happen to the cavalry employee on hear nothing to say dick head ha ha i thought i was going to get fired what happend fuck cavalry hey rance fuck you pretty soon you will b e strolling around the office in a wheelchair not a stroller hey steve still sucking cock the shitty thing is i have to look at you cock sucker every day fuck it i get paid ha ha

Anonymous said...

To anonymous said:
What happen to the cavalry employee on
hear--It is spelled here not hear(you
do that with your ears).

And if you work with these people why
don't you just walk up to them and say
all those nasty remarks to them--is it
that you don't have the ball to do so?

No wonder the company is crap with people like you working for them.

Anonymous said...

Unfortunately there is a lot of misunderstood information when it comes to debt collections. I have been managing a collection agency for over 10 years, and can pretty much guarantee that if the company cannot provide you the proper documentation requested (i.e. a contract with a signature, ss#, DL # etc)and you have requested it, most likely they will have too take it off your credit. I am making this statement, because this is what I usually do if I cannot provide accurate proof to the requestor. I have attended many conventions and seminars, where I have met many collection agency owners, managers, supervisors etc. where most seem to agree that if accurate proof cannot be provided within the alotted time (usually 30 days) for the sake of not being sued, we just proceed to remove the debt, but it may not mean they do not owe the debt, just that we don't have adequate proof. So I suggest to those who incur a debt who don't feel they owe it, dispute it and ask for the appropriate paperwork, if you don't receive it, and they refuse to take it off your credit, it may be grounds for filing a lawsuit. Most companies will not want to waste time going to court over a small debt, and would rather just take care of it, than getting into legal battles.

Anonymous said...

Here's the best part. I live in Louisiana and here we can record any conversation as long as one of the parties knows about the recording. That being said I had a debt that belongs to my ex-wife and I even had the original creditor (Sprint) call them and tell them it wasn't mine and to please remove the negative credit entry. After waiting 2 weeks for a letter of absolvment, that was promised and never came, I called them back to discover that they recieved "an email" from Sprint confirming that I owed the debt. I requested a copy of the email and was told it was private copany business. I contacted the State Attorney General's Office and with my audio tape I am happy to report that I personally will fuck over Calvary as bad as they have done others. Oh, by the way Im not stupid, lazy, or a deadbeat; Im an attorney with a 730 FICO store. Whatsmore? I attend to contact the U.S. Dept of Justice, and make sure that Calvary is investigated for unfair trade practice as well as fraud by decieving as described in the RICO act. Tell that to your husband.

Anonymous said...

I keep getting calls from a toll-free number (888-845-0146). I know this because I have caller ID. I also have an answering machine to respond to any calls I do not wish to answer. Finally found out that this number belongs to Calvary Portfolio Services. They just call--won't leave any messages. Just finished filing a complaint with the Do-Not-Call-Registry. Will wait and see what happens next.

Anonymous said...

In the year 2000 I worked for Sprint PCS and took advantage of their employee discount cellular program. I worked in the billing department and know for a fact that many many accounts were put into collections erroniously because I had to take the damn calls about Sprints errors. In preparation to move out of state I contacted the employee acounts department to terminate my services and was told employees re-locating did not incur early termination fees. They were my employer and I beleived them. Fast forward almost five years and I'm getting calls from Heather Kelly and Antoine and Juan at all hours of the day and I DO NOT owe this debt, especially not to the tune of 549 dollars! Two valid early termination fees would have been 200 and as per my otherwise good credit would have been paid promptly. This is not merely an indication that Calvary sucks, but Sprint sucks their fair share too. I cannot get the documentation from the employee department of Sprint that Calvary is requesting because I am no longer an employee. Has anyone had a similar situation that they are in the process of resolving? HELP!

Anonymous said...

i got balls i like being on the payrole and not do shit all day free money why refuse i just sit here and see morons run a company into the ground and again its not the collectors dick head its the fucken management get your facts right fuck head

Anonymous said...

To Cavalry Portfolio Services, their subsidiaries and employees.

You are all crooked employees of a low level business. To the husband and wife collection (agencie) agency team, more so to the wife: If you are such a skill laborer of society and make such a wealth of money, why do write in lowercase and not use correct grammar and punctuation? Collection is not a career; you need no skills other than knowing how to use a phone in order to do this work. Trained squirrels have more coordination than you and I see you at the same level as a telemarketer. But hey, the world needs ditch diggers too.
So why do I have such discuss for this company? I have recently bought my third home in Hawaii, yes third, and in the qualification process which includes a credit check, the worlds leading company in derogatory reporting bullshit, Cavalry Portfolio Service, was noted in the report.
Now let’s do some interesting math; since completing school in 1998, for which I owe no student loans, my base pay started at $148,600.00 and has increased 3-5% in every year since. I live a modest lifestyle and have never had a bill for $2,700.00 (which what was reported I owe), short of a car, truck, plane, house, boat or real estate. Even my vacations are paid in full via debt card, which we all know comes straight out of our checking account. However, I find it interesting that this stellar debt collection agency, which has never tried to contact me via phone, mail or otherwise, found its way onto my credit report.
There is no ethical leadership within this company and its entire staff lacks the integrity needed in order to function within America’s corporate business world.
To the husband/wife team: fill out some Federal Aid forms, head back to school and find a career. Stop wasting my taxes.

Anonymous said...

Supposedly their website is www.cavalryinvestments.com. I went there, and all I get is in option to log in and an e-mail form. The only identifying information is the name AI Roberts at the bottom of the e-mail form. Not only is this not a "website", there are an awful lot of smoke screens.

Anonymous said...

Instead of getting frustrated, look up and decipher the Fair Credit Reporting and Collections Act. Even a cancerous entity like Cavalry has to abide by federal guidelines. If they don't, not only will they be held accountable as a firm but the individual collector can be brought to task to answer for their behavior.

Send a certified letter to Cavalry stating that you will not deal with a third party collection agency and will make appropriate arrangements with your original creditor.

Look on the internet for ways to foil unscrupulous, unpricipled and heartless "collectors".

In closing, if you are one of the very few who abuse the companies that extend credit to you and enter into an arrangement with the intent of ripping them off, then shame on you.

Anonymous said...

This "Calvalry Portfolio Services" even keep calling after bankruptcy is filed (A CLEAR VIOLATION OF FEDERAL LAW)and completely ignored letters not to contact by phone. "Calvalry Portfolio Services" is certainly the bottom feeder of the collection business.

tc said...

Phoenix Office
4050 E Cotton Ctr Blvd, bld 2
Phoenix, Arizona 85040
Phone: (602) 667-0128
Toll Free: (877) 222-8257
Fax: (602) 667-0686

New York Office
7 Skyline Drive
Hawthorne, New York 10532
Phone: (914) 347-3440
Toll Free: (800) 724-1757
Fax: (914) 347-1973

Tulsa Office
9522 E 47th Place
Ste H
Tulsa, OK 74145
Phone: (918) 665-5600
Toll Free: (800) 429-0535
Fax: (918) 665-5656

Saint Paul Office
408 Saint Peter St., Ste 210
Saint Paul, MN 55102-1187
Phone: (651) 287-2980
Toll Free: (800) 322-3323
Fax: (651) 287-2877

for best results call the ny or mn office

Anonymous said...

The law does not apply to thieves pay your bills you created them not my company get over your self any pay what you took phx

Anonymous said...

For all of your complaints:

Cavalry Portfolio Services
Compliance Department
Attn: Kristen Papp
7 Skyline Drive
Hawthorne, New York 10532
Phone: (914) 347-3440
Toll Free: (800) 724-1757 ext 13422
Fax: (914) 347-1973

If you have been a victim of fraud, they are there to help. You will not need to yell or use vulgarity. They are nothing like the vile filth found at their Arizona office. I am sure some of those in Arizona are decent people but looking at the posts here and dealing with them on the phone, most of the collectors at their Arizona office are sub-human, social rejects. I think it's rather sad when you can not even show some level of respect for your own employer.

Also, the best advice I can give to all of you is to pay no attention to the two-minute attorneys posting here, as it is quite evident that none of them are real attorneys, based on some of the erroneous information that they are posting. If you need legal advice, this is not the place to find it.

Anonymous said...

thevies thats all you people you borrowed the money or credit you went to the store and bought what every pay for it its not free what the fuck are you people thinking that you dont have to pay for it you dont have bk as a cruch any more stop your naging pay your bills you call your self americans your theives you should be put in jail just like a third world contry see if you retards would like that phx

Mo Sartor said...

I am SOOOOOOOOOOO happy I ran across this posting, as I get to add my two cents on this band of misfits. I too, was recently harrassed over a debt that is NOT MINE. --> To the A@^%$OLE who mentioned not answering the phone if you have nothing to his - I ANSWERED MINE BUDDY. Unfortunately, I must have been talking to a deaf person, as the account is STILL on my credit report. Therefore, I have resorted to putting everything in writing. I am posting a copy of a letter that I just directed to these idiots today. Hopefully some of their employees will see it, as they seem to like reading this discussion board...

by the way, I am not posting this anonymously --> My name is Mo Sartor
==================================

To whom it may concern,

ONCE AGAIN, please be advised that since I have disputed this debt MANY times in the past, to no avail, I am forwarding copies of this communication to the New York State Bar Association and The Federal Trade Commission to protect my interests.

As I stated in the past, I have NEVER been the owner of an AT&T/Cingular wireless account. Your October 14, 2005 letter (copy enclosed) is proof positive that someone has managed to use my name to create this account. xxxxx 76th Street has not been my address for over 10 years. Apparently, someone at your office was able to figure out that I now live in xxxxxxxxxxx. You need to IMMEDIATELY direct this matter to the PROPER authorities, as this debt, ONCE AGAIN, is NOT MINE. However, I continue to see this ERROR on my credit report, despite my numerous requests that it be removed. This negative mark on my credit report CAN be interpreted as slander against my name, as it is UNTRUE!

ONCE AGAIN, just in case you missed it in my PREVIOUS communications, I AM NOT ONLY DISPUTING THE VALIDITY OF THIS DEBT, I AM DEMANDING WRITTEN CONFIRMATION OF THIS ERROR’S CORRECTION WITHIN 10-DAYS FROM THE DATE OF THIS LETTER. Also, ONCE AGAIN, AS STATED IN MY PRIOR LETTERS, effective IMMEDIATELY, as per the Fair Credit Reporting Act, I am exercising my rights as a consumer and NO LONGER WISH TO DO BUSINESS WITH A COLLECTION AGENCY. Moving forward, I will only communicate with AT&T/Cingular, or the appropriate law enforcement authorities.



Maurice Sartor


cc: New York State Bar Association Northeast Region
1 Elk Street Federal Trade Commission
Albany, NY 12207 1 Bowling Green
New York, NY 10004


THIS IS AN ATTEMPT TO MAKE A DEBT COLLECTOR OBEY THE LAW.
ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Anonymous said...

Cavalry is not a Third Party Collection Company. They purchase debt. Refusing to talk/negotiate with them directly only post pones the resolution of an account and/or that of the dispute claim.

There are a lot of collection companies out there simply because there is a lot of debt. Not all of them are fully law abiding and when you find yourself faced with someone who has broken the rules of the FDCPA you should act accordingly.

If a company purchases a debt that is actually fraudulent, it does not make that company a fraudulent company. The debt simply is. Dispute it accordingly, follow through to make sure that the collection company receives and processes the documents you provide. There is a lot of fraud out there, and sadly most people are not aware of it until it hits collections. Companies like Cavalry cannot simply take your word for it.

While it is true that some customer service representatives at Cavalry and other companies like them might not be as understanding or as helpful as you would like. Treating someone rudely will only worsen your situation.

My advice to anyone who has a legitimate debt is to seek to resolve it in the best way you can, at once or over time.

If it's fraud then follow the dispute procedures. Either way, once an account is closed get a copy of a satisfaction or closed letter from the company to confirm everything. Keep that in a file.

Good luck.
Cavlary Employee

N said...

The FDCPA: www.ftc.gov/os/statutes/fdcpa/fdcpact.htm

Know your rights.
Take responsibility for your actions.

Most people don't set out to create debt. It happens. Still, you can't expect Collections agents to just believe you that you paid it, or never heard of it. They have the documents and signatures, and yet people still deny it.

Work with collection companies, or take care of debt before it becomes a collections matter. and like someone else said, If it's fraud then go through the steps to prove it...when everything is done - get the letter from the company confirming it.

Anonymous said...

To the Calvery employees that read this post: I get a call every day asking for someone that I don’t know and never have; it’s obviously have a wrong number. The message gives you several options with the last being press “4” if this person is not at this number. I’ve have done this every night for a week now and each time a recording comes on and apologizes for the inconvenience and says I will not be bothered again. It’s now the eighth day of going through this routine. So if it’s not a problem of ethnics is it just a poor phone system and how do I stop these annoying and inconsiderate calls? Prove to me you’re not the slim balls that you’ve been accused of in most of these post.

Anonymous said...

call this number and ask for steve anderson 602-667-0128 he should be able to answer all your questions and problems

Anonymous said...

I have received 5 automated phone calls asking for my ex-husband.(we have been divorced for 7 years) Each time I receive the call I press #4 indicating that he does not live at this address. The calls keep coming. Tonight when the call came I pressed #1 and spoke to Bill. He was reluctant to tell me the name of the company he was with. I told him if I receive any additional phone calls I would report the company for harrassment. Who should I report this to? If my ex owes money to anyone that is no longer my problem. I cleared all the debts that had my name on it 7 years ago. Bill wanted me to give him current information on my ex. I did not. Let him do whatever..it is not my responsibility to do their work for them.

Anonymous said...

i have heard and seen alot of different things. one thing that is so funny is how many excuses people will come with to get out of paying there bills. i dont work at this company and found this website by mistake. i continued to read b/c it is really sad that this country supports thievs and liars(that would anybody who doesnt pay there bills no matter how sad of a story they have),i think it's called a pymt plan. i have borrowed and i have paid back. maybe these people dont deserve credit b/c they dont understand. bowworing = paying. simple concept but read these entries and you wonder are people really this challenged. did public school not teach them enough? did their parents buy them everything? one day you have to grow up b/c someone else will not support you forever. i think it's called responsibility which is something you learn with maturity. sorry you all were passed up and i hope your kids are not the leadres of my country tomorrow. thank god you have to have a college degree to be president or your kids would destroy this country. i say that b/c someone said they train there kids to answer the phone for them. which by the way is great parenting. department of human services must be teaching that.apparently debtors or deadbeats as there called havent read the bible where jesus outlines that you should be in no mans debt. i think that means pay your bills. sorry to interrupt your busy day of stealing but these are things you might want to think about before you meet god. GOOD LUCK. man i'm glad i pay my bills

Anonymous said...

To the Calvary employee which wrote the below and to all of the others: I have been trying to tell Calvary no one by the name they are looking for lives at this number or address. BOTH TIMES - I have be spoken to poorly - to put it nicely. It bizares me to read the Calvary employees input. You can clearly read negative, angered correspondece from you people. It's like your on another planet if you truly believe your polite and this company in genuine. I'm having a hard enough time just to stop these calls. I feel for those who have to deal with you regarding their credit reports and debt. I'd be embarrassed working for Calvary and wouldnt tell a soul if I did.

In addition to all in my position, I FINALLY got the name out of Calvary out of someone today. When I went online to see what in the heck this company was - I have to tell you, I was SHOCKED to find this website. I am absolutely in awe of all of this correspondence regarding this company. I have NEVER seen anything like this before in my life. You would think this would be one clue to the employess who continue to praise the grace of Calvary.

Listen, Cavalry is a good company. Our training and meetings prohibit lying or verbal abuse. If you encounter lying or verbal (yelling)then ask for the resolution manager who is always near by.

Anonymous said...

help... we're being harrassed and annoyed by phone calls from Calvary. Apparently they are trying to reach someone with the same LAST NAME as ours. 2 calls have come in the evening (around 6 PM) and we pressed option 4... because we do not know the person whom the recording is trying to reach. This morning (Saturday) I was very upset - fuming in fact - to be woken at 8:15 AM by this very same recording looking for the same person.
One can only assume that they have programmed to call every person with that same last name here in Lincoln Nebraska... well, guess what... there are over 240 persons in my area with the same last name as mine. ONE of which is my father, who is also getting annoying calls from Calvary. Will they go to no end seaching for this guy?? even interrupting the lives of 240 Good people to catch one who owes so little? How many times must we indicate that it this fellow is not at our phone number before the Calvary recording system believes us?
I don't want to loose any more sleep over it. THANKS FOR THE WAKE UP CALL (sarcasm). Can I have the home phone numbers for your staff and wake them early each weekend for no reason other than what sounds like a minor debt?
That's just stupid to continue to badger so many people who are not even involved with the issue.

Knock it off!
~Tired in Lincoln.

Anonymous said...

it seems to me that all the bitching is coming from non-pymt. pay your bills and you'll never hear from cavalry again. hince debt collection company!!!

Anonymous said...

why do so many people complain about collection agencies? god forbid we be responsible and pay our debts. here's an idea. lets have debt collectors have to call to remind us to pay our bills b/c everybody knows i wont pay unles you make me. i like lawsuits and judgements and leins, heck i like that fact that my ignorance is so easy to take advantage of..who's laughing now, you and your multi billion dollar company or me who got sued and cant feed my kids but have plenty of credit card debt. ought oh---it's been too long since i applied for more credit.gotta go and get more

Anonymous said...

To all of you who said that the debt is not yours. Calif, and I think most states, have an identity theft law where you can go to your local police dept and file a police report stating that someone used your personal information and obtained a account in your name. The report will go to the Foregy Fraud persons in the police dept and they will investigate, and if possible arrest the person that is using you personal information to open an account in your name and buy products and you get the bill. when you don't pay the bill that is not yours they send it to a collection agency like Calvery Portfilio. They are bad but there are others that are just as bad.How do I know about these things. I am an investigator working for a large Sheriff Dept.who handle these cases every day. It is a felony to use someones personal information and open an account in your name. All you have to do is call your local alw enforcment.
Good Luck

Anonymous said...

hey losers PAY YOUR BILLS WHY DOES IT HAVE TO BE A DISCUSSION ITS YOUR BILL'S PAY IT AND SHUT THE FUCK UP !!!!!! DEAD BEATS PHX OFFICE

CAVALRY STOOGES said...

THE LAST FOUR POSTS ARE FROM CAVALRY EMPLOYEES WHO ARE ASSIGNED TO WATCH THIS BOARD BECAUSE THEY KNOW THEY WILL BE IN TROUBLE IF WE COMBINE OUR EFFORTS.

THEY ARE RIGHT- DO NOT BITCH ON THIS BOARD - JUST TAKE ACTION. START BY FILING A COMPLAINT ABOUT THEIR PRACTICES WITH THE FTC. IT IS QUITE EASY:
https://rn.ftc.gov/pls/dod/wsolcq$.startup?Z_ORG_CODE=PU01

THEY DO REVIEW THIS DATABASE AND THE MORE CPOMPLANTS THE MORE LIKELY CAVARY WILL BE INVESTIGATED. THE FTC HAS ALSO INITIATED CLASS ACTION LAW SUITES FOR LARGE SUMS OF MONEY.

http://www.ftc.gov/os/statutes/fcramisc.htm

IF YOU ARE A VICTIM OF IDENTITY THEFT WRITE TO YOU STATE AND FEDERAL LEGISLATORS AND TELL THEM CAVALRY IS HARASSING YOU WITHOUT VALID PROOF AND SHOULD BE SUBJECT TO LEGAL PENALTIES.

REQUEST THAT AUTOMATED DIALING SYSTEMS BE LIMITED TO NO MORE THAN 3 CALLS SUCH AS IN WASHINGTON STATE. ALL CALLS FROM ONE ORGANIZATION AFTER A SMALL REASONABLE NUMBER SHOULD BE SUBJECT TO THE SAME PENALTIES AS DO NOT CALL.

MANY LEGISLATORS WILL BE GLAD TO CHAMPION SUCH LEGISLATION. IT IS A NO BRAINER. IT WILL HELP THEM POLITICALLY AND IT IS THE RIGHT THING TO DO.

THE FTC SITE HAS THE LAW AND YOUR RIGHTS. www.ftc.gov. BE SURE TO READ IT.

Anonymous said...

I'm sorry, do I have this straight? Are the debt collectors calling people losers? Um, hello, YOU ARE A DEBT COLLECTOR!!! You are the very definition of a loser! This is a site for people to vent about your company and you are on here--obviously way too much, because you are losers. Wow, so you bottom feed all day and then you spend your quite evenings (yes plural) posting to websites---again, who did you call losers? And to add to your loserdum---you are defending a company that you do not own. You defend it like your life depends on it. But they only pay you bottom feeders 5 bucks an hour, I'm sure. I haven't known very well-to-do debt collectors---HAHAHAHAA! Just your job title carries a negative connotation. Who would take a job like that? LOSERS!! Where is your sense of pride? I mean your children must be so embarrassed (if you actually found someone to procreate with). Come people, there are 240 posts about you , don't ya think someone has to be telling the truth? Listen bottom feeders, normal people don't come online and deny debt to a bunch of people they don't know just for the sake of doing it. Hello, have a brain? So to you bottom feeders (especially the "ALL CAPS" fool) Shut up and find your own websites to bitch about "us" degenerates. Or even better yet, get a new job! Save your family some pride. Now BE-GONE with yourselves!

Anonymous said...

ATTN: CAVALRY EMPLOYEE(S)

Cavalry continues to dock my credit every month, but has yet to return any of my calls. The employees that have responded on here claim that Cavalry is a good company. Prove it; please address my account: Ref# 04221228

Take care & God bless,
SGC

Anonymous said...

I had same issue with Calvary they called about a debit from a state where I have not lived for 11 years?? I paid the damn bill $108 anyway and they promised to take this off my report and nothing has happened??

I got scammed!

Anonymous said...

I just want to jump on the band wagon and bash that ridiculously STUPID lady who has decided to pass judgement on strangers. Listen you sadistic, backstabbing, holier than thou whore. I'm glad you and your husband prey on the misery of others, I really am. Congrats... really. This supposedly terrific company filed a collection account on me in 2001, and NEVER contacted me. I mean never. The only way I found out about it was I decided to review my credit report. Guess what, it's a Sprint bill. Thanks to this board I no longer feel alone. So, a terrific collection agency has been unable to find me and yet I've been completely stationary for three years, and had the same employer for six. Good job Calvary, way to hunt down a so called "deliquent" offender. Oh yeah, and lady... go stand in traffic, and take your husband with you.

Anonymous said...

ok so i just had to comment after reading all these complaints some of which are ligit. but 1 thing u all should know be4 u decide to bash my company is that we purchase this stuff in bulk so we take in the good with the bad... if u recieved a call from us about a bill u dont owe then u need to take the correct steps to get it resolved.. dont call in screaming and ranting about how were trying to take ur $ or rip u off cause its not true.. and for future refrence when u call in and talk to us its all a matter of whom u speak with! we talk to people everyday that cuss us out blah blah blah... why are u getting mad at us for doing our jobs? shit happens and its life so deal with it! im sure u all know what fraud is and it happens everyday no matter where u are so if anybody is getting ripped off it our company by people who take stuff out in other peoples names and by professional debtors who make stupid complaints about us doing are job! but debtors call it harrassment cause they are too small to own up to there own responsibilitys! u know who u are and know what u owe so take care of it!

Anonymous said...

Everyone get together and sue them,
HERE IS THE FEDERAL LAW

What can you do if you believe a debt collector violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, you may recover money for the damages you suffered plus an additional amount up to $1,000. Court costs and attorney' s fees also can be recovered. A group of people also may sue a debt collector and recover money for damages up to $500,000, or one percent of the collector' s net worth, whichever is less.

Anonymous said...

Oh and here is how to report them.
I sued them and got a nice amount of change due to them screwing with my credit and costing me a major job upgrade I collected the difference in pay for 5 years plus a little extra for mental anguish.

Where can you report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General' s office and the Federal Trade Commission. Many states have their own debt collection laws, and your Attorney General' s office can help you determine your rights.



The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

Anonymous said...

WHEN I WAS 18 MY EYES WERE WAY BIGGER THAN MY POCKET BOOK! SO BEING YOUNG AND STUPID I PURCHASED A VERY EXPENSIVE VEHICLE (HOW I GOT THE FINANCING IS BEYOND ME) THROUGOUT THE COURSE OF THE YEAR I CAME BACK TO REALITY AND REALIZED THAT I KNOW LONGER COULD AFFORD THIS PARTICULAR VEHICLE. SO AFTER HIDING FROM THE DEBT COLLECTORS I VOLUNTARILY SURRENDED MY VEHICLE BACK TO THE DEALERSHIP. NOW SIX YEARS LATER YES I SAID SIX YEARS LATER I RECIVED SOMETHING IN THE MAIL FROM THESE PORTFOLIO PUKES SAYING THAT I HAVE AN OUTSTANDING DEBT OF OVER $8000.00 THAT I STILL OWE ON THIS VEHICLE. NOW WHAT THE HELL IS THAT ALL ABOUT I SAID TO MYSELF. WHY THE HELL DID I SURRENDERED THE CAR IF I STILL OWE THIS OUTSTANDING AMOUNT. IF I PAY THAT AMONT TO YOU FREAKS THAN I WANT MY CAR BACK!!!!!!!

Anonymous said...

I WAS THE PERSON WHO WROTE THAT LAST POST ABOUT MY VEHICLE CRISIS AND I FEEL LIKE SUCH AN IDIOT WHEN I RE READ IT AFTER I HAVE POSTED IT. FORGIVE ME FOR ALL THOSE TYPOS. FIRST THIS FUCKING COMPANY HAS PISSED ME OFF BEYOND BELIEF NOW THEY HAVE TURNED ME INTO A RETARD WHO CANNOT SPELL. MERRY FUCKING CHRISTMAS!!

Anonymous said...

Hello everyone,

Quite obviously we are all doing some research on this calvary portfolio services company for valid purposes... The lady with the ill-hearted responses only confirms CPS is a bogus company compiled with bogus employees... To go beyond the redundancies and rhetoric without purpose, maybe there is something that can be done about this company... Just reading through all of the comments I noticed all of the unresolved debt is incurred from the same assortment of businesses; Sprint, Providian, and used car salesmen... I was unfortunate enough to have a bogus creditor give me a line of credit with the sole purpose of acquiring debts that could be auctioned off to collection agencies like CPS... Just recently a group of people I was completely unaffiliated with did something about it, and one day I got a letter in the mail saying the debt was bogus and resolved... I dont know what they did but there is obviously some type of raquetting going on... Anyone who is accessing this website and is really trying to do something about it please post any progress in your pursuits to resolve these debts and I will do the same... We may clear some bogus debt for a lot of consumers including ourselves...

Anonymous said...

"Oh and here is how to report them.
I sued them and got a nice amount of change due to them screwing with my credit and costing me a major job upgrade I collected the difference in pay for 5 years plus a little extra for mental anguish."
YOU NEED TO BE HONEST. YOUR LIEING IF YOU SAY YOU BEAT THESE PEOPLE IN A LAWSUIT. YOUR JUST MAKING IT WORSE FOR THOSE WHO ARE LOOKING FOR HELP YOU PIECE OF SHIT. I FEEL SORRY FOR YOUR KIDS

Anonymous said...

"Oh and here is how to report them.
I sued them and got a nice amount of change due to them screwing with my credit and costing me a major job upgrade I collected the difference in pay for 5 years plus a little extra for mental anguish."
YOUR SAYING THEY COSTED YOU THE MANAGER POISITION AT MCDONALDS

Anonymous said...

What you will read next is the most UNPROFESSIONAL thing I have ever read in my life... if someone form my company talked like that I would fire them...and they would have to go find a sleasy job like collections

my husband works for cavalry portfolio and he is a damn good collector,& i myself work for a different collection agencie. I have never in all my life heard so much crap from lazy, stupid, and oh its not my bill blah, blah, blah file it w/insurance, its not mine, crap,that is ridiculous, cavalry is not a bad company, u people are just pissed off because deep down inside your sorry souls you know that you owe this money unless proven otherwise. how pathetic of you people to criticize one of the best collection agencies in the world. If you didnt owe the bill you never would have been contacted in the first place. Cavalry should not be shut down & you people can bitch all you want but it will do NOTHING AT ALL. you will still owe the bill and they will never stop unless you pay what you owe. So quit complaining like little imature babies and pay your damn bill. I am so sick of your type of people who expect everyone else to pay your bill or you just file bankruptcy to diminish your debt etc. you make me sick! This is what the world is coming to, its so sad. IF YOU DONT WANT THE PROBLEMS THEN DONT INCURE THE DEBT THAT YOU SO RIGHTLY OWE.and im sure that all of this will tick each and everyone of you little people off and thats fine. because guess what? you will still owe your bill and have to pay and i will still be my happy self. So gripe on people, gripe on, all it will do is anger you more because nothing will be solved. That is the truth. good day-

Anonymous said...

Beyach, you and your husband are nothign but money hungry hores, who are just looking out for your sorry ass because you know that ripping off people. A little over 2 years ago at age 21 I had no credit card, cell phone, home phone under my name, only a student loan which i don't pay until 6 month after graduation. well 2 years ago I received in mail that i was n debt of $400 for a sprint PCS service in the state of minnesota. I never even lived there. I called them to settled this matter and the guy that i talked to says that the information about my self did not match what they had in system and he also said they'll take care of it. well bullshit cavalry mail a collection notice to me. And your bitch ass say we don't pay our bills, shit, i paid my student loan on time and more than the minimum amount, so shut your slutty ass up...

Anonymous said...

if cavalry is so horrrible why dont you enter your account number with you complaints and stop hiding who you are ?????

Anonymous said...

I would, but i don't know the account number, i never knew this account even existed until i checked my credit report for the first time in my life. I goin to dispute this account with the credit bureau, asking them to give me information on this account and any information involving me. I live with a roommate, barely making enough for rent, why would I purchase something i can afford. since your so confindent that cavalry is a good company why you give your name, 800 number and extension # so i can settle this and get it off my credit report. It because of cavalry that I have been having trouble getting accepted by credit card company.
Again, I NOT GOING TO PAY FOR SOMEHING THAT I DID NOT PERSONALLY PURCHASE FOR MY SELF.

Anonymous said...

Oh and If I knew my account number i would not simply post it, why? because people like from Cavalry might tried to charge more money on the account.

Anonymous said...

Oh and If I knew my account number i would not simply post it, why? because people like from Cavalry might tried to charge more money on the account!!!!!!!!!!! IF YOU ARE SERIOUS WHAT IS YOUR NAME ? LIAR LIAR LIAR LIAR LIAR LIAR LIAR LIAR LIAR LIAR LIAR

Anonymous said...

Hey tough guy with the degree how dare you talk to these people like they were beneath you thats why your company is in this shit i am an attorney and i sued your company before for harassing people these dummys theatend to sue my client who by the way is elderly and she lives in TX so dick head with the degree maybe you should go back to school for another 5 yrs and maybe you can find another job
THE BBB HAS BETTER THINGS TO DO THAN DEFEND DEADBEATS. WHAT IS THIS GUY TALKING ABOUT.I HAVE WORKED THERE FOR MORE THAN 5 YEARS. ALL I CAN SAY IS NO-0NE HAS BEAT US IN A LAW SUIT ANYTIME RECENTLY B/C WE DONT MAKE THIS STUFF UP. THESE BILLS WE COLLECT ON ARE YOUR BILLS NOT OURS. IT'S YOUR RESPONSIBILITY TO PAY THEM. IT'S SAD THAT ADULTS HAVE TO BE CALLED TO PAY THEEIR BILLS. IT'S LIKE YOUR IN GRADE SCHOOL AND HAVE TO BE REMIMDED TO DO HOMEWORK. BUT HELL IF YOU CANT EVEN PAY A SIMOLE BILL THEN YOU ARE A BURDEN ON SOCIETY. YOUR TAKING MY TAX DOLLARS WHEN YOU DONT PAY YOUR BILLS AND THEN AS SOON AS YOU CAN YOU DO IT AGAIN. I HAVE SEEN TO MANY PEOPLE WHO RUN UP LOTS OF BILLS, FILE BANKRUPTCY AND THEN DO IT AGAIN , ARE YOU STUPID OR JUST TRYING TO STILL FINISH THAT HOMEWORK? I FEEL SORRY FOR YOU AND YOUR KIDS B/C OUR COUNTRY WILL NEED LEADERS AND WE CANT BE REPRESENTED BY A BUNCH OF LAZY, GOOD FOR NOTHING THIEVES. BLAME YOURSELF FOR NOT EVEN HAVING THE GUTS TO ANSWER THE PHONE ( THOSE WHO HAVE THEIR KIDS DO IT ). YOU PROBABLY HAVE A BUMPER STICKER ON YOUR CAR THAT SAYS " I LIKE TO STEAL MONEY AND NOT PAY IT BACK". BUT HELL IT'S NOT YOUR FAULT B/C THESE COMPANIES WILL GIVE YOU LOANS AND WHEN YOU DONT PAY THEY DO NOTHING ABOUT IT FOR 4 OR 5 YEARS. GUESS WHAT. IT;S STILL YOUR RESPONSIBILITY TO PAY YOUR BILL. NOBODY ELSE'S BUT YOURS. LETS BE REAL IT'S VERY EASY TO GET A HOLD OF CAVALRY. YOU WOULD RATHER BITCH THAN CALL US AND RESLOVE IT B.C YOU KNOW WE'RE RIGHT. GOD BLESS AND GOOD LUCK DIRTBAGS

Anonymous said...

It's amazing that this blog exists! Something must be wrong. I believe the majority of the problem rests on the shoulders of Cavalry. If people owe debts then it's right for you to go after them. You should -- however -- follow the law. You apparently don't follow the law. This is far too many postings for you to blame all of this on the people you believe owe these debts. People have the right (granted by law) to have all debts validated before they pay any money to you. It would be unwise for them to do so. Even if they owe the debt, they should make certain you are a real company and not some con artist. Once the debts have been validated on both sides then they must pay. If they don't then they are deadbeats and you should place items on credit reports, file judgements etc. But Cavalry does not act in good faith from the beginning. Be a stand up company and the people you deal with will be stand up. You are eventually doing yourselves in by neglecting the most basic collection and credit reporting laws. With this many complaints, a class action lawsuit is rapidly approaching. When that happens you will not only pay money to people who had valid disputes but you will also pay out damages to those deadbeats trying to rip you off. The collection agency industry has enough crooks. Why not work to be the one which is not crooked. It's time for some honor in your industry and the dishonorable companies like yours need to go for that to happen.

Anonymous said...

Employees of Cavalry make more than $5.00 an hour you idiot. They are not LOSERS as that seems to be your word of the day in defining a collector. You need to re-educate yourself. And to the person who said Beyach, feel free to go back to grade school and figure out how to correctly spell before you get on another forum and embarass yourself for all the world to see. And to the person who now owns their 3rd property in Hawaii, you must think you are better than anyone else on here because you have money, I dont think so, your just like everyone else who doesnt pay their bills. No, better yet, your a true asshole. The reason that Cavalry is so messed up, to put it nicely, is because of management. Yeah, so the company screws up now and then, what company doesnt?? It happens everyday! Common sense, you people lack entirely. If you say you dont owe the debt then who does and how did it somehow occur in your name? You have to prove it in order to remove it. I don't see how debt could just appear out of thin air and suddenly you all are freaking out because supposively its not yours (even though most of the time it is).To those who are bashing the christians, christians are not perfect either, everyone makes mistakes, be a big person and get over their comments and deal with the real issue, your debt!! You can call Cavalry and try to screw with their phone lines and play immature games and such ,but that wont help your debt dissapear, the calls will still come and no one will be happy on either end. Cavalry employees are never assigned to watch this sight that is total B.S. Most people get on here because they hear about it from others. Like a company would waste their time forcing employees to get on here and type up the things that are read on here. That is completely stupid. Plus it wastes the companies time and money. Everyone who works for a collection agencie knows that time is money. (atleast the responsible ones do). I can't wait until someone bashes my comment, I know its coming because no one can resist not bashing another because they are upset.

Anonymous said...

the fuck with you cock suckers. Fuck all yall. I'll be at your officess some and beat the shit out of pussy.

Anonymous said...

Wow the person above really has an expanded vocabulary.Your IQ must be
-3. Im sure you DONT pay your bills. LOSER

Anonymous said...

I've been getting calls as well, for somebody who lived at our address several owners ago. We don't know the person, but we still receive mail addressed to him so the name is familiar. I just called a phone number for Cavalry that I found here on this blog and got a very helpful and polite employee that said he would remove our number from the system. Hopefully that should do the trick.

Anonymous said...

I guess I must be new to this, but I just received a phone call from Calvery Debt collectors in regards to a car loan back in 1997. I asked if I could have more information on this and I was given another number to call and the person on the other end of that phone knew absolutly nothing about this, I am not one to not pay my bills, but I agree they must get their facts straight before they start calling innocent folks.
Good luck trying to collect Calvery, it will never happen.

Anonymous said...

Cavalry make me wanna drive to their corporate offices, grab the lovely female who answers the phones, and proceed to butt-fuck her until she pisses herself. Cavalry is such a fucking lazy, worthless, piece of shit, fucktarded goat humping company it makes me sick. They might as well move their call centers to India, because each and every person working on the phones there even *more* annoying than talking to someone who barely speaks english. At least people from India generally have I.Q. scores high enough to resolve seemingly easy questions. For example: "YOU DUMB SHIT, THATS NOT EVEN MY SS# ON THAT BILL, ARE YOU FUCKING RETARDED?" Evidently, that question is difficult for Cavalry employees. How does it feel to work for minimum wage with no chance of success in life? Do they require a drug test, and an I.Q. test before employment? If so, why do you have to pass the drug test, yet fail the I.Q. test? Maybe Cavalry should be more like NASA and hire monkeys. If they can fly a rocket, surely they can answer the phone and make random sounds...it would be more helpful than the people working there now.

Anonymous said...

It is pretty evident that we are harrassed by Calvary but I was wondering if anyone refused to pay and what action did they take on them. Because I was threatened by a lawsuit and if I lose would have to pay it and the court costs.

Anonymous said...

The pathetic things is that all of these losers (or let's just call them what they are) "theives" are writing all of this nonsense on computers that they used a credit card to ppay for. Notice I didnt use the word "buy" because they didn't buy them. The thing that all of you convebniently forget is that if it wasn't for companies like cavalry to collect from dead beats who refuse to pay their bills than there wouldn't be a credit industry in this company.

I work for a major collection law firm and get such joy out of suing and eventually getting judgments against you losers who don't pay your credit card bills...Its funny how you pay those internet connection bills and your cable bills...i guess you need an outlet to bitch and moan about how someone is asking you to pay money that you owe, and an outlet to watch reruns of white trash Roseanne...

These companies wouldn't exist if you people simply paid your bills. Unfortunatly, you think that if you got a credit card in college and needed it to "EAT" (right) that you shouldnt have to pay it back 4 years later when you have a job. You say that collection agencies are blood suckers, but I disagree. I think people who drain our economy by not paying their bills and therefore force the Federal government to subsidize the credit card companies for there loss therefore raising taxes, are the bloodsuckers

to all of you - get a life and pay your bills...if you are crying poverty than maybe you shouldnt being paying for an internet connection, or better yet sell that computer that you bought on the VISA card and never paid for...You people are a joke and are what is ruining this country

Anonymous said...

I just got off the phone with Cavalry, for a debt I do owe. And I realize that a guy lied to me, all the manager could say was, "I apologize!". Talk about angry, I was so pissed, I told them to cancel the account". They won't get another dime from me. Maybe a bad decision, but that's life. I really just wanted to ask the last person, "How do you know that these people are not in a library or at school, or work or something?"

Anonymous said...

Here is their website if you want to try to get more information (albeit limited at that) http://www.cavalryinvestments.com/cav/Affiliates/ps_about_us.html

Anonymous said...

If you set you computor to fax Calvery main number every three seconds for two days. then they will understand not to call you any more. This I done and will do again if they call me. By doing this you will shut thier bussiness down for that day!

Anonymous said...

I agree that everyone should pay their bills, but no one is even remotely morally obligated to pay money to a company such as Cavalry portfolio. They purchase debts for literally a couple of pennies on the dollar, then try to shake down the debtor for the full balance. They're just chasing a fast buck. Even if you paid them, (regardless of whatever lies they might tell you), it won't help your credit report one bit.

Deb from Rhode Island said...

Well it does seem that the majority of you HATE this company! I have a new spin I'd like to add to this wonderfully, insightful website. Cavalry contacted me about a loan I had several years ago. After speaking with them "we" agreed that I would make good on my debt.

The deal was that I would make 3 consecutive monthly payments of $200.00 and after that "we" would discuss a settlement. Once the 3 months was up they contacted me and made an offer. I asked them to fax me the paperwork to start the process. Well, in December they helped themselves to $200.00 more from my checking account.
When I contacted them, obviously bullshit, and told them they STOLE money from me...causing an overdraft fee as well, they offered the money back plus the fee but that would cancel our settlement agreement. Screw these assholes!! I filed a complaint with the BBB and am looking into filing criminal charges through the Attorney General's office.

I also have since closed that checking account and recommend that anyone else in this situation do the same!! Good luck to you all.

Anonymous said...

I hate these freakin people. Their the devil, the devil I tell you.

Anonymous said...

QUIT WHINING.

All I read is whining from both sides. The debtors are whining because they don't want to pay the bill they incurred ... whether this was intentional or unintentional doesn't matter.

Cavalry employees are motivated to collect ... they get a "cut" of the take ... ie that's called a salary.

Bottom Line, our politicians have gladly allowed our "illegal" immigrants to work in this nation. They have allowed our jobs to "fly" away to other countries like India. We Americans are really at fault for not standing up for what's right.

THROW THE POLITICIANS OUT. They don't serve the best interests of America. So, if you blame, blame the real thieves ... politicans for taking our $26/hour jobs away and having to work at wal-mart for $7/hour just feed my family.

pissedoffatcalvary said...
This comment has been removed by a blog administrator.
pissedoffatcalvary said...

I filed bankruptcy 4 years ago and they are trying to collect on a "Charge off bad debt" from a bankruptcy. I have sent them the discharge paperwork PROVING it was included in a bankruptcy. Which it is AGAINST THE LAW to collect on a debt included in a bankruptcy. I have filed a motion with the bankruptcy court that processed and discharged my bankruptcy, they informed me that companies that try to collect on debts that have been discharged through bankruptcy can be fined and have their records marked for that kind of VIOLATION!!!!!!!!

P.S. I was a collection agent for 5 years!!!!!!!!! And the ones talking on here from calvary and MORONS!!!!!! In all my years I was never as dumb, rude and insensitive and I am sure I made more money doing that you ARE CURRENTLY................

DUMB ASSES!!!!!!!!

Anonymous said...

I just have to say that my experience so far has been mixed. Initiallly I was dealing with a gentleman named Rick and he was great.. We were told that if we kept with our payments we would be ok and I have to say that he was very nice when he helped us set up our payments.. We have been making payments for over a year now faithfullly.. We were however told that they would report monthly to the credit bureau of our on time payments which they have never done.. I am in the process of trying to get them to do so.. I think we deserve for it to be reported that we are making payments..

leeci2u said...

To file a complaint on Calvary Portfolio Services, LLC, click on the link below. If that doesn't work, go to the Federal Trade Commision website. The unjustice to the consumer from this company has to STOP!
https://rn.ftc.gov/pls/dod/wsolcq$.startup?Z_ORG_CODE=PU01

Anonymous said...

They also call you from 888-397-8842.

Anonymous said...

Glad to find these posts!! So I can print them. There are so many its sick. Calvary REFUSES to make arrangements and want it all now and do dont identify themselves in letter form, you really dont know who it is. I was a victim of calvary and lost my job. They kept calling my former boss and faxing things over at the job. I have many witnesses to the fact and if I were them I would stop running my credit report. Its more for me to report. They even ran my MOTHERS credit report and she doesnt owe them a dime. My attorney plans to investigate soon and I cant wait to see that guy in person that called my job.. If there are so many people on here why not do something??? something is wrong and unethical about Calvarys practices.

Law Firm said...

We are looking for individuals who want to participate in a Class-Action law suit against Cavalry Portfolio Services. If you are interested in joining the law suit please email us at [email protected] We are looking foward to hearing from you!

Carl Starrett said...

I recently represented a client in a lawsuit brought by Cavalry Portfolio Services for an alleged debt that when all the way back to 1995. Here in California, we have a 4-year statute of limitations for breach of written contract.

The lawsuit stated that Cavalry "acquired" the debt on June 26, 2001. Cavalry didn't file the lawsuit until July 2005.

The matter settled 2 days before the hearing on my motion to dismiss. We have a mutual waiver of all claims and Cavalry agreed to remove all negative references from my client's credit report.

Anonymous said...

I had a Sprint PCS cellular account in 2002. Prior to and during my maternity leave, I had contacted Sprint several times over a period of a few months to request to put my account on a "hold" or to "suspend" it in which they call a "vacation plan" because I didn't have any regular income coming in. The "vacation plan" costs about $5 per month- which I could probably scrape up rather than $100+ each month. I had also temporarily moved. I had all of my mail forwarded. They were rude and continued to avoid my request. To make a long story short. I had checked my credit report in October of 2005, I noticed an open collections account with Cavalry Portfolio Services' name posted with an outstanding balance of $829! I had NEVER recieved any notification that my account was going to collections. I was NEVER given a fair chance to resolve this issue. I was NEVER treated with respect from Sprint. They don't give a rat's ass who you are or what your situation is. I had filed a complaint with the BBB against Sprint. Sprint claims that I never contacted them regarding my vacation plan request. They tried to make a liar out of me! They also claimed that they tried several times to attempt to reach me regarding my account. This is a bunch of BULL because I had never heard a peep from them all these years until now when I filed a report with the BBB. I never even recieved my final bill. Also, when I had temporarily moved, ALL of my mail was being forwarded and I had NO PROBLEM getting any of my other mail! They sure didn't have a problem finding me on my credit report though (which is accurate with my addresses!)! Good luck to all of you who have to deal with these blood sucking ass holes also!

Anonymous said...

Another Calvary victim: this "responsible, great, legal, and wonderful company full of people just trying to do their jobs against all of us deadbeats and shiftless debtors" has had a computer calling our house and asking us to verify whether "Noley Long" lives with us. The computer voice doesn't say what business this is, who to contact if there is need to notify management of an error, etc. Every day like clockwork, this idiot machine calls and keeps calling, asking for the same response over and over. I notified the FTC today but I will probably have to use the numbers provided above to call them directly and then have my attorney contact them if that doesn't stop the calls. The company tries to remain unlisted under the number I found on my caller ID.

AND YES, there are statute of limitations out there, these cowboys don't get to collect on $19 owed 10 years ago! Some companies will try to buy your old stuff, just as suggested earlier, and they will try to make a profit off of these legally discharged old debts using all kinds of psychology: appeals to decency, shaming, lack of knowledge, aggressiveness, etc. Take some time, do some reading, and do yourself a favor, don't let these leg-breakers ruin your day. For every dollar you earn there are five people out there on the street trying to figure out how to take it from you.

And you Calvary employees: you tell yourself and everyone else what you have to let you sleep at night. The evidence, meanwhile, is piling up. Calvary is just one more example of business out for blood in the US, right alongside Enron, Worldcom, etc. Have a nice f&*Ng day.

Anonymous said...

I just got my free credit report from annualcreditreport.com and found that Calvary Portfolio has initated five "account review inquiries" since 04/2004 ... apparently every April, July, and November they've gained access to my credit report for absolutely no reason. I have no bad debt or late payments on my entire report, so they have no reason whatsoever for nosing around my business. Are they possibly stalking me, waiting for the right time to say I owe them money for something I don't?

Anonymous said...

Cavalry Portfolio service, ma its been so long since i bitched on this blog. FOCK all yall Cavalry employees and owner. You see last month after reviewing my credit report i file a police report and disputed the account (Cavalry) on my credit report. I mailed every copy of previous address, ID card, statements, utility bills, etc, and weeks later, i received in the mailed from CAVALRY PORTFOLIO SERVICE, apologizing for the mistake and that the they well inform the credit bureau to delete the account from my report. so agin FUCK CAVALRY. DICK SLAP YOUR FACE AND THEN PISS ON IT.

JGRACIE said...

SAME HERE WITH ME, I JUST PRINTED OUT MY FREE CREDIT REPORTS,.........
"I just got my free credit report from annualcreditreport.com and found that Calvary Portfolio has initated five "account review inquiries" since 04/2004 ... apparently every April, July, and November they've gained access to my credit report for absolutely no reason. I have no bad debt or late payments on my entire report, so they have no reason whatsoever for nosing around my business. Are they possibly stalking me, waiting for the right time to say I owe them money for something I don't 1/20/2006"
============PASTE EMAIL TO MY BUDDIE =============
ALL RIGHT MR. SMART CALIF LAW BUSINESS MAN............
I KEEP GETTING CALLED FROM THIS FREEKING PLACE.,
SEEMS A OLD TENNANT THAT WAS EVICTED, GAVE MY PHONE NUMBER AS THIERS

THESE FUCK WADS KEEP CALLING AND HASSLING ME ON A WEEKLY BASIS AT ALL TIMES
[ NOT SET LIKE THE PEN COMPANY ]

SO GOOGLE THIS ONE HOT LEGAL MAN OF THE UNITED FREEKING STATES
[ AND DONT TELL ME, THAT SINCE I AM A RETAIL STORE, I AM SUPPOSED TO TAKE THIS FUCKINGH ABUSE
FROM SOME GOD DAMN TELEMARKETER / COLLECTION AGENT.........FUCK OFF

MAGGIE 8888450146
[ SHE NEVER ALLOWED ME THE CHANCE TO EXPLAIN, I AM A BUSINESS AND THERE ARE 10 APARTMENTS IN THIS
SAME ADDRESS.........] SHE JUST SAID
www.google.com/search?hl=en&q=888-845-0146&btnG=Google+Search

THIS IS A GR8 PAGE, I FINALLY DECIDED TO GOOGLE ON, AND AMAZING.............
THEY ARE A FUCKING JOKE!!
Cavalry Portfolio Services www.winn-and-sims.com/2004/08/cavalry-portfolio-services.html
I keep getting calls from a toll-free number (*888-845-0146*). I know this because I have caller ID. I also have an answering machine to respond to any calls *...*
www.winn-and-sims.com/2004/08/cavalry-portfolio-services.html - 404k - Cached //216.239.51.104/search?q=cache:xMBygkwO5K8J:www.winn-and-sims.com/2004/08/cavalry-portfolio-services.html+888-845-0146&hl=en&gl=us&ct=clnk&cd=1 - Similar pages //www.google.com/search?hl=en&lr=&safe=off&q=related:www.winn-and-sims.com/2004/08/cavalry-portfolio-services.html


REMEMBER I AM A SINGLE PERSON HERE, AND DONT HAVE ALL DAY TO WASTE IN LOOKING UP SHIT THAT IS NOT IMPORTANT.........
[ GEEZE ---- IF I HAD 500 EMPLOYEES UNDER ME, I COULD ASSIGN IT TO SOME ONE TO DO THE LEG WORK..........]

OKAY, I BREATHED, DEEP, AND BROKE SOME MORE GLASS, SO I AM GONNA WANK OFF AGAIN, AND RELAX AND WAIT FOR THE
NEXT MUDDER FUGGER TO CALL AND RAISE MY BLOOD PRESSURE AGAIN.................

Anonymous said...

Cavalry just called me about a Sprint debt that was proven to have been opened in another person's name. She asked me if XXXX was the last four of my social security number. I replied it wasn't. She said "Okay, Goodbye." and thought she hung up. Then I could hear her say "Sprint is so stupid." I think the problem is Sprint, not Cavalry services!

Anonymous said...

Hello there ok iam just venting some crap that calvary pulled with me. Ok first i do actaully owe them money for a repo from 5 years aga. I authorized them to take 4 payments via check from an account. The last payment was supossed to be dec. 25 well i went to to the bank today and guess what i was negative. Yup the dupped me they took an unathorized payment now me bank wants to charge me for this. It is theft anyway you look at it if i took a check from you and cashed it without permission it would be theft. That is what they did to me. My email addy is [email protected] feel free to email with any advise i will be following through against them to the fullest thanks

Anonymous said...

Has anyone seen checks being deducted from Calvary via electronic checking. I just noticed that they have been taking money from account and I never gave them permission or authorized this transaction. This is in serious violation or privacy right sand Banking law. Any suggestion I live in Illinois

Anonymous said...

These morons have been calling my house with a recorded message asking for someone who does not exist in my household. It seems they use a telephone directory to match similar names or initials so that they might get lucky and find the correct person. My wife and I have warned them numerous times to stop calling and that no such person exists in my family. They are still calling every few days. I have now reported them to my State Attorney Generals office. My state has an independant "No call list" which I belong to. Hopefully this will prevent them from harrasing others.

Anonymous said...

With all the thieves out there today, it's not surprising this company is doing what they're doing. I refuse to deal in any way with any collection agency. If I am going to pay off an old debt, and I'll admit I do have a few (single parent, disabled child, unemployed almost 3 years), I insist on dealing only with the original debtor, and if they really want their money, they WILL accept the payment from me directly. I refuse to let some jerk-offs make a cut on any money I owe to anybody. They are mostly losers who couldn't get a better offer and have to resort to this line of work; also, usually they are of the sort that want to be security guards b/c they couldn't make it to being a real cop - there are plenty of people out there with power/control issues, where they get their redemption from lording over other people... I think they are slime. Just today, someone from 888-846-0146 called my house & left a msg., which led me to this site. I do have some (minimal) old debt, but I will not deal with these people in any way shape or form. In fact, not too long ago someone called me and I asked them to verify that I was the person they were looking for; after a few questions they conceded they were looking for someone with my same name, and had reached the wrong person. So, the bottom line is, they CAN be wrong and they SHOULD be pursued for harassment and I do urge everyone to check out the laws and, as a previous blogger wrote, tell them to F.O.

Anonymous said...

Never pay companies such as Cavalry a single dime!! They are a scam and a fraud. (Look at their rating with the Phoenix BBB, of which they aren't even a member).

Debt purchasers such as Cavalry do one of several things. They purchase debts which are out of statute of limitations, then hope that you won't know your rights, and start a "payment plan" -- never do this, it would restart any statute of limitations. If your debt is out of statute, in reallity, they have no right to even contact you. Always chech the statutes of limitations for your state. Secondly, companies might try to file suit against a debt, even if it is out of statute - this is simply a gamble that you won't show up at court and they'll get a default judgment. Always show up, they have no case, and cannot prove that you are contractually obligated to pay them. If Cavalry has made an entry on your credit report, you can also sue under the Fair Credit Reporting Act if the don't remove it.

99% of these criminal companies depend on psychology. Beat them, they are crap. You are under absolutely no moral obligation to pay them either. It would only enrich their companies, and do your credit no good at all. Take a $100 debt for example, Cavalry would have paid on average perhaps one or two dollars for it, and they're trying to shake you down for the face value.

Anonymous said...

Hi, I just want to tell you all who's reading this that CAVALRY is a scam! They say you can call with the largest amount to pay and within 48 hrs. it should be approved. Well, I did this and they approved of my acct. which the total was suppose to be $317.12. I said I could pay $100. when I went to pay they uped the price. NEVER PAY CAVALRY UNLESS YOU ARE A RETARD!

Anonymous said...

Cavalry Portfolio Services, LLC
Senior Vice President Cassandra B. Duff
Senior Vice President Michael Godner
CEO Andrew N. Zaro

Senior Vice President Alfred Brothers
Cavalry Portfolio Services, LLC
[email protected]

Kristen Papp
Manager
Customer Client Services
Compliance
Cavalry Portfolio Services, LLC
[email protected]

Main "dumb Criminals" in charge. These extortionist should be easily located, even their home phones and addresses. This Andrew Zaro and Michael Godner sound familiar, maybe they were indicted on some criminal charges in my state?

Minnesota PI said...

Just wait until Calvary kicks the debt to another collections agency, then pay... If Calvary is rude with their approach, just refuse to do business with them.

Anonymous said...

Senior VP Alfred Brothers:

In January of 2004 our dear friend Mr. Alfred J Brothers Jr (date of birth: 5/3/1955) was cited for speeding in excess of 15 MPH in Scottsdale, Arizona (citation# 01593311, case# 49824990, court# M-0751-TR-200400827). The judge ordered him to take a defensive driving course, of which he did. What was the hurry Al?

-----------------------------------

I'll post more fun facts about our friends at Calvary later on... Who wants the CEOs home address in New York?

Anonymous said...

I don't like Calvary Portfolio. In 1999 I had a Sprint acct. that I still am making payments on. Someone had opened an account three days after the fact of me opening up a Sprint account under my name and ran the bill sky high. I have told them time and time again that this is not my account. But they refuse to listen to me and have threatened me and said that they were going to put refusal to pay and that they were going to stop calling. Would you pay for a debt if it was not yours? Then just this month they said that they changed there minds about saying they were going to put refusal to pay on my credit report. Can they make up there minds already. And is there any legal action any one knows that I can take. This is not fair. I am trying to improve my credit and they are just trying to screw it up more.

Anonymous said...

Hi, I just want to tell you all who's reading this that CAVALRY is a scam! They say you can call with the largest amount to pay and within 48 hrs. it should be approved. Well, I did this and they approved of my acct. which the total was suppose to be $317.12. I said I could pay $100. when I went to pay they uped the price. NEVER PAY CAVALRY UNLESS YOU ARE A RETARD!
# posted by Anonymous : 2/01/2006 7:51 PM ....................................I guess this person is retard.yeah dont pay and see if u can beat them in a lawsuit..i highly doubt it

Anonymous said...

hey rance and steve you guys are doing one hell of a job ha ha thats what you fuckers get for fuckng with your best workers and fireing them for no reason now chokon it mother fuckers

Anonymous said...

i have some intresting things to say about the people ar cavalry like mr Zaro that dick head use to get his employees to pick up women for him also steven got a 18 yrs old girl who worked for him pregnant then he does not even take care of the kid

Anonymous said...

Thanks. I personally don't doubt for a moment that Mr Andrew Zaro of Cavalry Portfolio engaged in such activity as having young girls "picked up" for him (underage?) sick pedophiles such as Andrew Zarow of Cavalry Portfolio belong in jail if this is true. Someone should publish his home address and phone number.

Anonymous said...

Alfred J. Brothers of Calvary Portfolio, not only a reckless and dangerous driver, but a pedeophile as well? Such as we've been lead to believe as Mr Zaro? This is no surprise. This bastard should be on everyone's list. Anyone have his SS#?? Home address?? Home Phone?? Regardless of what these Zaro and Brothers idiots think, this info could be had for a few bucks.

Wonder what his family (Brothers) shall think when his suburban neighbours "Google" his name? Finding that he is a criminal? A threat to their pre-teen daughters and sons?

Anonymous said...

Is Andrew Zaro or Alfred J. Brothers on any states' sex offenders lists? I'm not at all surprised to hear they're possible pedophiles. The company they're involved with, Cavalry Portfolio, is criminal anyway. This is without a doubt.

Anonymous said...

Ijust went to calvary investments.com and it was the same bullshit as this page. I could not get a hold of anyone.I dol not believe that this company is a real company. They want to take my friend to court and sue. I say bring it on. I gurantee my friend never gets sued. by the way my friend says go fuck urself calvary.

Anonymous said...

Here's my Cavalry story. So, I'm trying to clean up my admittedly spotty credit, but I have been doing a good job doing so. My scores have raised consitently over the past year. I had a $55 debt from a Sprint account that I thought I had paid in full when I closed the account in 2000, but there was a balance of ??Close-out fees?? according to Sprint. To the defense of Cavalry, Sprint has the worst customer service of all the phone companies. And I'm current Sprint customer, so don't anyone write me off as a disgruntled former customer. However, Cavalry is STILL reporting this $55 debt that I paid TO CAVALRY in October of 2003. On my credit report it even says there is a $0 balance, but because Cavalry is a collection agency, it still negatively affects my credit scores because it is reported as a collection.
If anyone has any idea how to make this stop (Cavalry if you are reading I welcome your input) so I can remove another blemish from my credit report, I would greatly appreciate it!

Anonymous said...

I too have been screwed over too by cavalry ps, by an employee named linda, found out her full name is linda flatness, a st. paul cps employee. Please feel free to contact her at home, (763)767-7821.
Or better yet, mail your bill back to her at home, 10670 7th St. Ne,Blaine,MN 55434.Maybe if more names,address's and phone numbers of employees were listed they would get a clue. ps: gotta love spy programs!!!

Anonymous said...

My so-called "debt" which I do not claim, is from a bank that does not even exist anymore-- and has not for nearly seven years. Calvary tries to collect via letter, and I notice that they are posting inquiries on my credit report. Contacting them in any way may be a bad thing, since they are not calling me, and I don't even want to get things accelerated with them. I need the inquiries to stop, as they are hurting my credit rating. The "debt" they are trying to collect is not even on my credit report! The Statute of Limitations for my state has long run out. I am at a loss, here....these people are assholes.

Anonymous said...

I keep getting calls from this toll free number on my cell phone for a guy I don't know. I don't want to waste my minutes trying to get a hold of this agency. Anyone have any advice?

Anonymous said...

The Better Business Bureau
4428 N. 12th Street
Phoenix, AZ 85014-4585
602-264-1721
[email protected]



As reflected in the Phoenix BBB on: 02/15/06 at 11:52 AM PST

BBB Reliability Report
This information is not authorized for sales or marketing use.

Oprime Aquí Para Español

CAVALRY INVESTMENT, LLC
4050 E. Cotton Centre Blvd. #20
Phoenix, AZ 85040

The Better Business Bureau reports on members and non-members. Membership in the BBB is voluntary. Members must meet and maintain BBB standards. If a company is a member of the BBB, it is stated in this report.

Original Business Start Date: 11/05/98
Local Start Date: 11/23/98
Principal: Christian Parker, General Counsel
Phone Number: 602-667-0128
Fax Number: 602-667-0686
Web Site Address: www.calvaryinvestments.com
Membership Status: no
Type of Business: Consumer Finance & Loan Co.
Investment Advisory Service


NATURE OF BUSINESS

This company offers acquisition and collection of nonperforming and subperforming consumer receivables.

CUSTOMER EXPERIENCE

Based on BBB files, this company has an unsatisfactory record with the Bureau due to unanswered and unresolved complaints. The company has responded to some complaints presented by the Bureau.

When evaluating complaint information, please consider the company's size and volume of business. The number of complaints filed against the company may not be as important as the type of complaints and how the company handled them.

Closed Complaints
Number of complaints processed by the BBB in last 36 Months: 167
Number of complaints processed by the BBB in last 12 months: 97


Complaints Concerned
Sales Issues: 2
Outcome of all complaints -
Delayed Resolution: 2

Delivery Issues: 2
Outcome of all complaints -
Resolved: 1; Company made good faith effort to Resolve:
1

Product Quality Issues: 1
Outcome of the complaint -
Resolved: 1

Refund or Exchange Issues: 2
Outcome of all complaints -
Resolved: 2

Contract Issues: 4
Outcome of all complaints -
Resolved: 3; Company made good faith effort to Resolve:
1

Customer Service Issues: 17
Outcome of all complaints -
Resolved: 12; Delayed Resolution: 4; Company made good
faith effort to Resolve: 1

Credit or Billing Issues: 139
Outcome of all complaints -
Resolved: 94; Unresolved: 6; Delayed Resolution: 23;
Company made good faith effort to Resolve: 10; Company did not
respond: 6



LICENSING INFORMATION

This company is in an industry that may require licensing, bonding or registration in order to lawfully do business. The Bureau encourages you to check with the appropriate agency to be certain any requirements are currently being met. These agencies may include The Arizona State Banking Department. The Arizona State Banking Department is located at 2910 N. 44th Street, Suite 310 in Phoenix, AZ 85018. The Arizona State Banking Department can also be reached by calling 602.255.4421 or visiting their website at www.azbanking.com.

ADDITIONAL BUSINESS NAMES

This company also does business as:
CALVARY PORTFOLIO SERVICES; CAVALRY INVESTMENTS and CAVALRY PORTFOLIO.

ADDITIONAL TELEPHONE NUMBERS

Additional phone numbers for this company include:
(800) 227-8257, (877) 218-1262, (877) 222-8257 and (877) 883-7571.

ADDITIONAL ADDRESSES

Additional addresses for this company include:
7 Skyline Drive 2nd Floor, Hawthorne, NY 10532.

REPORT DATE: 02/15/2006

COPYRIGHT DATE: 2006 The Better Business Bureau

The information in this report has either been provided by the company, or has been compiled by the Bureau from other sources.

STANDARD DISCLAIMER

As a matter of policy, the Better Business Bureau does not endorse any product, service, or company. BBB reports generally cover a three-year reporting period, and are provided solely to assist you in exercising your own best judgment. Information contained in this report is believed reliable but not guaranteed as to accuracy. Reports are subject to change at any time.



May Not Be Reproduced for Commercial or Sales PurposesOptional BBB survey:

Dollar amount you intend to spend with this company: $

Sheri said...

(This is written to the lady who wrote the anal, one sided statement below defending her Husbands BEST IN THE WORLD company! And who thinks everybody else in this world are liars & whiney losers)

LADY YOUR HUSBAND'S COMPANY HAS AN AWFUL LOT OF COMPLAINTS FOR A COMPANY THAT IS ACCORDING TO YOU ONE OF THE BEST IN THE WORLD! Yes there are some people that I'm sure do actually owe $ but the issue I have w/ this non-fact checking company is one of my Customer Service reps that I Supervise has had a 25% deduction taken from his check for an account he never opened, signed up for or has anything to do with, did you Husbands Company verify that it was his signature that was used to set up the account?? NO - THEY DIDN'T VERIFY ANYTHING!
Not quite sure where you come from but here in America you are innocent until proven guilty and since your Husbands Company had NO proof or back-up in this case and just attacked the wages of a hard working American. I do believe AT THE LEAST this company needs to be seriously investigated. I realize human error occurs but when you start screwing up people's credit & livelihood you better be damn sure you've got all of the fact's straight!!! Your problem is that you're a bitter one sided bitch who thinks she is always right and that the rest of the world must bow down to your way of thinking. NOT GOING TO HAPPEN! There are a lot of people in dept in this country & some may try and elude paying their debt but if you think for one second that Cavalry Portfolio Services has never made any mistakes you need a serious reality check.

And in closing before you ever call others stupid again, I've got one thing to say to you SPELL CHECK!

It's:
agency not angencie
immature not imature
incur not incure



~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

(original comments of bitter woman that's probably just not getting any - somebody send her a toy and some batteries!! Maybe she'll become a nicer person!)

my husband works for cavalry portfolio and he is a damn good collector,& i myself work for a different collection agencie. I have never in all my life heard so much crap from lazy, stupid, and oh its not my bill blah, blah, blah file it w/insurance, its not mine, crap,that is ridiculous, cavalry is not a bad company, u people are just pissed off because deep down inside your sorry souls you know that you owe this money unless proven otherwise. how pathetic of you people to criticize one of the best collection agencies in the world. If you didnt owe the bill you never would have been contacted in the first place. Cavalry should not be shut down & you people can bitch all you want but it will do NOTHING AT ALL. you will still owe the bill and they will never stop unless you pay what you owe. So quit complaining like little imature babies and pay your damn bill. I am so sick of your type of people who expect everyone else to pay your bill or you just file bankruptcy to diminish your debt etc. you make me sick! This is what the world is coming to, its so sad. IF YOU DONT WANT THE PROBLEMS THEN DONT INCURE THE DEBT THAT YOU SO RIGHTLY OWE.and im sure that all of this will tick each and everyone of you little people off and thats fine. because guess what? you will still owe your bill and have to pay and i will still be my happy self. So gripe on people, gripe on, all it will do is anger you more because nothing will be solved. That is the truth. good day-

Anonymous said...

hello i also have a debt with Cavalry Portfolio Services as well. i had a old sprint bill that i did not pay due to finacial problems. When i order and recieve my credit report i see Cavalry Portfolio on my credit report. I call them and the customer service representive and myself agree to a monthly payment and he stated that "as long as you pay every month they will not put in the 30 days late on your credit report. when i call for another credti report i see that they still putting negative items on my credit report and i am paying them on the regular. when i called them again and ask them why is they still putting negative items on my report they said: " as long you owe that money to us they can put the negative reports on my credit payment agreement or not"

My question that i want to ask that can i take them to court or put a complaint against this company because they are messing up my credit report.

and finally when i ask them for a copy of my credit history so i can send it to all three credit agencies they still did not send my copy. i just need some advice.

Anonymous said...

I have read most of the post here and I have to say that I am very surprised, I have dealt with cavalry before and they were curteous and very professional. I have to say that the debt was mine and I didn't deny it and they were very good about working with me. I just wanted to share a good experience so you would all know that the entire company isn't full of people like the ones you all must have dealt with.

Anonymous said...

cavalry is the worst company out their they added on 4 thousand in intrest on to my so called account and i allready paid that acount when i refinanced and they are still calling me after i sent in the proof i have read some of the postings on hear and i found one with an ex employee saying they charge their own intrest on accounts they need to be investigated and brought to justice they have no right to charge people what ever they want and get away with it

Anonymous said...

I am having a bad experience with Cavalry as well. I found out about them from pulling my own credit report for another reason in 2004. I had a standing settlement agreement with the company they acquired the account from and had a balance of approx. $8,000 in 9/04. In 11/04, when I received my credit report, cavalry was listed and my balance was reported as $14,000. I never received anything from this company in writing. I called them and requested numerous times for something in writing to no avail. I have sent 2 certified letters requesting validation and sent a copy of my settlement agreement. They said they never received the 1st letter. The second letter included legal jargon and verbage from the fair debt collection practices act and I received a call. I spoke to the supervisor and she upset the situation even more by telling me that I was asking them to report false information to the credit bureaus by asking them to report my actual balance. She also told me that if I wanted to pay off the account that day, i would have to pay the full $16,000. The problem with this is my settlement agreement clearly states that no interest is to be charged as long as I don't go into default and if I do, the agreement will be null and void, they will collect the full balance of $11,235 plus 23.9% accrued interest from the date of the last payment. Cavalry has stated and faxed me a payment activity showing that I am not in default and have been paying as agreed. However, they have been charging the interest since they got the account and on a monthly basis. They have also reported to the credit bureaus that I am paying late. I informed this supervisor that I will be contacting an attorney. Since this conversation last week, I received a letter from cavalry (the 1st correspondence I have received from them other than the faxed payment activity)outlining my current status. The letter states that my current balance owed is approx. $7,000, but they didn't address credit reporting issue. I just want them to report correct information because it affects my scores negatively. I have already disputed to the credit bureaus twice. I just received a response today and the only thing that changed was the address for Cavalry.

They are in violation on a number of levels because of basically changing the terms of my agreement without any correspondence to allow me to agree, and reporting an inflated and incorrect balance, and false information to the bureaus.

I have contacted an attorney and waiting to see the results of the credit bureau disputes before proceeding. I am prepared to utilize the full extent of the law and go the distance to clear this matter up. I believe in paying what I owe, I just went through a bad patch in my life and made bad financial decisions. I have cleared up everything else on my credit and having been making payments as agreed upon on this account, but the credit reports don't reflect the progress because of the way Cavalry is handling this.

I would tell anyone going through this, don't avoid this situation, pursue justice, and take ownership.

Anonymous said...

Yep, same story.

Cavalry/Sprint is after me for an unpaid Sprint bill, for an account I never opened. Got the FTC "ID Theft Affadavit" off the FTC website, filed a police report, and am about to send the affadavit to Sprint, Cavalry and all three of the credit reporting agencies.

Incidentally, this is not the first time I've had a consumer run-in with Sprint and I'm really irked that they bought Nextel, the only wireless carrier that punches a signal into the Sierra foothills where I live. Sigh....

Anonymous said...

To the person with the $55.00 debt that was owed to Sprint and paid to Cavalry.

In accordance with the FCRA (Fair Credit Reporting Act) Cavalry practices fair and accurate reporting, meaning: A paid debt will show as a paid debt. The best way to not have a negative credit history, is to simply never have had one.

I am sorry your debt appears as paid after collections, but that is a fair reporting of what actually happened.

As always when dealing with any collection company, make sure you call and request a letter of satisfaction for your personal records.

Good luck with your credit.

Anonymous said...

Time to report them communists

Anonymous said...

Bet they are proud of their work

HEATHER65775 said...

I dont know who these people are but they are full of crap.i sat by the phone and listened to the half ass message they left.they are i take it trying to collect on a sprint cell phone bill that is not owed.i had very poor service they would wait to send me the bill that was obviously wrong till after it was due and by that time they would shut my service off.so the way i see it i would pay the bill if i had had the service i was promised.SPRINT AND ITS BILL COLLECTORS CAN STICK IT WHERE THE SUN DONT SHINE

Anonymous said...

So, some random company can pull a random person out of a Transunion Credit report...make up something about some account that could belong to anyone with a similar sounding name...

Then say it is MY responsiblity to clean this mess up?

Seems like the knucklebreakers would have some easy access to the proof...ah...but they don't.

If you want my attention, you will send some proof of who you think I am...I won't offer my private info to you.

Anonymous said...

All the collection Industry is is a bunch of suits devoted to the maticules details of administrative procedure. All they care about is making money. Pretty sickening to me considereing the fact the industry it self is based on nothing at all productive toward spirit, mind, and or any of the world.

They have no product. every debt collector knows there is'nt jack shit anyone can do to somone who does'nt pay a CC bill, or phone bill or whatever. It only damages other folks playing your retarded game of credit. fucking credit report does'nt say shit about who you are. fucking info gathering bullshit. This is not facist government. Cbr means nothing. I can put on your Cbr you are a gay homo who fucks shemales it does'nt make it true.

I've talked to some asshole debtors too, there are alot of them. People who try to say it's not thier bill, accept thier ssn matches, name matches, address matches, and oh look they made a payment in 2004. Yeah, like somone is gonna steal your cc and then make payments to it, haha. Whatever.

My opinion is that both sides are full of shit, and thats why im out of the biz. I fucking hate bureaucracy, and prik bosses who think they are smart because they have corporate rank, which in my book does'nt mean shit. Yay, you are an acompished slave worker!!!

I could collect debt from home, anyone with a damn phone can which means to me these companies are overly cocky like they have some valiant task to complete that only they can do. To better the world? In no way.

Two hundred years ago natives said "wtf is money?" 11 century heathens said "wtf is money?" now we have invisible money called credit, where is this going? down. what will christians invent next?

the economy is slave to the credit now and collections industries taking over ooohhhhhh. house of cards, house of cards.

It's the companies who borrowed the moneys fault for borrowinbg the money. idiots. hey, if you borrow your car to somone and they crash it who pays for it, YOU DO!! duh. thats why you dont borrow our car out, haha, especially to strangers.

MindChuck said...

I am suing Calvary Portfolio Services...even though I have proven that the debt is false with confirmation numbers from wireless phone account AND I've sent dispute letters, faxes, certified mailings, e-mails, phone calls, spoken to Kristen Papp (who doesn't understand the law), and countless other efforts it has resulted in suing them in Town of Mt. Pleasant Civil Court.

Based on New York Civil Court decision in December 12th, the creditor must furnish on demand proof within 30 days. Calvary chose to ignore that; I've even disputed this with all CRAs. I am going to sue on Mail Fraud charges. I have also notified the district attorney to file criminal charges for extortion.

ANYONE WHO WANTS TO FILE A CLASS ACTION SUIT WITH ME AGAINST CALVARY PORTFOLIO SERVICES, PLEASE E-mail me at suecalvary@[email protected]

Anonymous said...

Has anyone that has had the unfortunate experience of dealing with Calvary also ever dealt with Financial Growth Foundation, Ltd?

Please post here if you know anything of FGF.

::mindchuck - your're offer is mighty tempting!::

Anonymous said...

I too am now in the middle of the extremey poor collection techniques of Calvary. An account that was not mine has been filed on my credit report that is otherwise spotless. It is not a major amount and a dispute has been filed with the credit reporting agency but I hold out little hope. They do not even have a social security number associated with this account as well as the name is not an exact match. Don't they have to prove that the bill is mine? It is my contention that they file a negative to try and extort money from innocent people. Any ideas on how to get these bottom feeders to remove a collection from my report that is not mine? Any advice would be helpful.

Anonymous said...

I worked for Cavalry and enjoyed every day. As in any company, there are those that give it a bad name. If you look at the shear numbers of charged off accounts, it is conceivable that mistakes are made. Collection companies such as Cavalry purchase debts at discounts from face value. This is done after charge off and some effort by the originating creditor to collect the debt. The information as of that date is transferred to the purchasing company, such as Cavalry and there are others. If you take the number of accounts containing incorrect information, multiply it by the number of companies issuing credit, then it is understandable there are honest people calling on accounts with erroneous information. They can only take action to correct it if someone answering is willing to provide the information, send a letter, etc. On the subject of replying with a key, ie #4, to respond if the person does not live at the address, computers are not perfect but we expect them to be 100%. Those systems make millions of phone calls trying to assist one answering person in either paying that debt, which by the way is owed at all times unless filed under in a bankruptcy, or clearing erroneous accounts.
Simple cooperation is required. Many persons working for this company are well educated and look forward to helping those individuals wishing to clear a debt they incurred. Much of the confusion for debtors comes from blogs such as this. Some of the letters are warranted, but many of you are irritated because of lack of PROPER information. The statute of limitations as stated a few times in earlier blogs is for legal remedies only. The debt is still owed. The notion that interest is illegal to charge once the debt is charged off is again a lack of knowledge. The training is extensive and ongoing to assure that procedures are followed and laws are adhered to. These collectors are human and errors are made unintentionally. For God’s sake, look at some of the simple spelling mistakes made throughout this entire site and possibly this letter as well.
Some of you focus on “What will paying this debt do for my credit now”. I see your point and sometimes it would be nice to just start over. I’ve been there myself, without any intention to be there. It shouldn’t matter that Cavalry only pays cents on the dollar to acquire these debts, they are valid. I bet you don’t bitch to the restaurant manager about the $16.95 steak dinner you are eating when it costs them a only a few dollars. Your contracts you sign state the account may be sold, interest defaults to maximum allowed percentages, etc. Most of you simply do not read the small print. It’s sad I am taking time from my evening to respond but I am tired of paying more for goods because much of America is in debt, many are not paying their debts, and the money has to be made up somewhere. I am well educated, worked hard every day at Cavalry and devoted many hours in helping make it a fine company. Every company has assholes, many of you are assholes at some other company with people bitching somewhere about you. Think about that from now on. Also, the “Do Not Call” lists do not apply to collection companies.

Anonymous said...

I checked my credit report and found Cavalry Portfolio there. The debt is mine, and I want to set up payment terms. I sent a letter explaining that I would like to resolve my debt, and in response I received a letter from an Attorney asking me to provide all sorts of personal financial information in order to discuss payment arrangements.

In addition, the letter says: "this letter will advise you that our negotiations on this acount are only in regard to a payment plan. Our client intends to file for a judgment in this matter 30 days from the date the summons and complaint were served upon you, and our negotiations regarding monthly payment will not delay filing."

What the heck is that about? I honestly want to set up a payment plan! Why file judgment? Nothing has been served to me. I am going to call Cavalry tomorrow (they've never called me), but I am worried about what info to give them. Will they work with me, or use all my personal information against me to garnish some huge amount from my paycheck? Has anyone gotten to this point? I'm freaked out!

Anonymous said...

Well, thought i'd give an update. I called Cavalry. They said as long as I contacted the attorney, i could set up payments, and they wouldn't file a judgement.

I called and spoke to someone at the law office today. They said that Cavalry always files a judgement, even with a payment plan, and the person I spoke with was mis-informed. THEN they asked me when I received the paperwork about the judgement. I told them I hadn't received anything but the letter from them, and they were surprised. They said they needed to contact Cavalry and would get back to me.

Something is screwy. Anyone know what is going on? Any Cavalry employees out there?

lawyer firm said...

Have you requested verification of the debt with no response? Did Calvary cease contact or did they continue collection efforts?
We would like to hear from you for possible participation in a class action suit. Please email
[email protected]

Anonymous said...

Cavalry is the worst collection agency I've dealt with and we should all boycott SPRINT and use the other wireless companies out there. all the employees at Cavalry are a bunch of unscrupuluos bloodsuckers devil worshipers!
my experience with cavalry has been one of the worst and I am going to join in the lawsuit.

Anonymous said...

for the dick head that said cavalry is a fine company go fuck yourself cavalry was a good company back then now its been run into the ground i can beleive that mr zaro let that happen what do you guys have like 30 employees in the phx office that management needs to get out of that office if anyone want to see any improvement rance and who ever is running that show needs to go but they still turned their heads when someone broke the law i know becuse i was their when it happend also steve is gone now after he fucked everything up so he does not get blamed for what happend their and not only that the fcc and the american general have an investigation their and ya dick head im educated far more then you are so go fuck your self word of advice get off your knees you will get tossed out just as quick your only good as your last month of collections you know that so dont try to defend that fucked up company thats runn by jews sholom mother fucker

Anonymous said...

I stopped reading when everyone started bitching about their bad debts catching up with them - Pay your bills or shut it up. Bad debts dont just "appear" and no, there is no such thing as a 25% wage assignment on something that is not yours, by law, a garnishment can only be a certain percentage of your pay.

ANYWAY, I found this site while looking on how to stop this company from calling for a LOSER named Joe Wolf. Dont know him, never known him, but know now all about his dead beat ways thanks to his bill collectors calling at 8am!!

Thanks to all you that use the internet to bitch, instead of using it to understand your rights for NOT paying your bills, people like me, who pay my bills and have a non published number, get calls for LOSERS like you that give the wrong numbers on your credit applications!! Thanks LOSERS

Anonymous said...

hey fine company man nothing to say educated my ass your so fucken educated what the hell are you collecting on bills fuck head

tshow said...

I have a sprint bill for 351.00 dollars and calvary wants me to pay it. it was from years ago and it should have never been on my credit,they said, since i never even had a sprint cell phone they would take it off my credit but they are still trying to get me to pay for something i never even had!!!!!!

Anonymous said...

I keep getting phone calls for a person I do not know (as many of you have)from 888-845-0146. I press #4 on the menu every time. But they keep calling back. They have called every day this week! Is there any way to get this harassment to stop? I spoke to a woman who told me that she would remove our phone number but the day after I received another phone call. I feel that it is sad that those of us who pay our bills have to deal with this!

Anonymous said...

Cavalry is bothering us as well. Don't know why - we went bankrupt last September and our debts are all up to date. There's nothing to collect. Those of you who work for Cavalry - quit defending your company. From what I see and now get to experience, your company's books and records need to be very thoroughly investigated.

Anonymous said...

i wonder... does Cavalry Portfolio Services hire people to respond/debate/and pass judgement on the persons/opinions and/or comments on this site? if not, do they, having heard what a reputable company they are, know how their employees are representing them, on thier own time and in their own words... i, being a buisness owner and having been in top executive positions in multimillion dollar, world-wide companies, know that i would never condone a "self-appointed representative" to be presenting themselves and their expressed opinions as those of the company...

Anonymous said...

Cavalry appears to not be as savvey
as they imply...... after all they do purchase bad debts from many different companies, and in turn become the current creditor, and impose their company fees/penalties/% rates etc...
SO, why are they hiring Associated Recovery Systems, "a debt collector" to be their collection agency??? is ARS a branch of CPS?
Does ARS now own the note? who is the original creditor? have they been satisfied? what is the total legal indebetness to CPS?ARS? Can each of these companies continue with their judgement? when is liability put back into the simple hands of the original creditor and debtor, which by the way, might help some who look to them as a viable quick albeit temporary solution to a possible personal financial crisis, which we ALL have at 1 time or another in our lives, ALL no matter how much you make, honest you are, christian u r, or under-handed, if it were not for these shrewed buisness persons who willing and in amazingly high figures (accts & $)who purchase these bad debts from all these other obviously poor business-minded companies that made the original loans, quite possibly they wouldn't be so quick to grant the loans/credit to those that aren't really qualified/financially
capable to take on this debt, but are lured into/ w/a false interpretation with the ease of retaining loans/credit, rather than being turned down/ given the reality of thier financial constraints. There probably would be no Jones' to keep up with eh?

Anonymous said...

Wow…Had some time on my hands when I came across this site. I have read some of these comments and most if not all of you NEED to use spell check. Having said that, I had my own problems with Sprint and the way they do business. They are a very unprofessional company that is represented by a bunch of simple minded, resentful, immature children that, I believe, do not realize what they do when they do not follow through by crediting and closing accounts properly. This is what happened to me when my phone was stolen. I called immediately and no calls had yet been made so the rep. closed the account and assured me no calls could then be made on the phone. She was correct; however, the account was never closed by her. So when I received my next bill and the account was still open I called to close the account once more. When I received the next bill, (no calls made of course) I called again. Was told it would be taken care of. Meanwhile, I paid the bill to date, even though I resented doing it because this was Sprints representatives mistake not mine. I did not receive another bill for 2 months and then was told I was late. I called again and was told I did not call the correct number to close my account!!! Imagine my surprise. Again I was told it would be taken care of and was given an apology, but guess what happen??? I received a late notice the next month for the 2 months they did not follow through…Needless to say, this is a big problem with Sprint and they know it. Yet they do nothing…

In response to the person who declares everyone out here owes the money or they would never be hounded is dead wrong but again too immature to know the truth. But they will!!!

By the way, I own my house outright, (worth approximately $500,000.00), own my 2 vehicles outright. Have thousands of dollars in the bank and piece of mind knowing Sprint will never see any of the money I do not owe.

Anonymous said...

Some of you will be happy to know that there is a class action lawsuit filed in US District Court in Pennsylvania against Calvary Investments, LLC and Calvary Portfolio Services for violation of section 1692e of the FDCPA by not updating information with credit bureaus that were reported as false or disputed.

I have had my own experience with Calvary trying to collect on a very old car loan past the statute of limitations. To make the matter worse for Calvary, they are not licensed to do business in The State of Washington under RCW 19.163.430. Anyone in the State of Washington who has collection issues with Calvary should file a comsumer complaint with the State Attorney General's Consumer Divsion and get an attorney if they got served a notice to appear in court.

Anonymous said...

It is sad to join this long diatribe of complaint, but Calvary has done it again. This is about an AT&T Bill that was resolved with AT&T two years ago. Calvary has purchased this 'debt' from AT&T in March, and AT&T now claims that they do not retain records past 18 months. This means that in contesting this bill (trying to find verification from AT&T that the account was paid and closed) is not possible.

Yes, get this....Calvary buys bad 'debt' from AT&T at around 19 - 20 months past last activity. AT&T deletes all files (ALL) past 18 months, so there is no record. You contest but there is no way to obtain any information.

This has caused my credit to drop from 760 to 670, forcing me to get a much higher rate mortgage and causing additional financial pressure on my family. Who ever is responding for Calvary needs to dig deeper and look at the underlying principles in debt purchase. I am an ardent believer in the free market, and believe people should pay for things they have used/owe, but let's get realistic about how to resolve questionable credit claims. This company works on the margins, hoping to force quick settlements and extort money through pressure and obscuring what actually transpired. TO ALL CALVARY EMPLOYEES - Look at yourselves in the mirror tomorrow morning and think about if this is the job you want to be doing? Do you REALLY get paid enough to cause such stress on people?

mememe said...

Cavalry you are some sick ass bastards! Dou you actually believe that thoes fake debt you are sending is going to work forever?? I dont think so. I recently pulled a copy of my credit report and guess what DEMON was on there? Yes Cavalry. They had the nerves to report on my credit report that I have a debt with AT&T wireless! HAHA, not I you asshole and I will prove it before I let up continue to ruin my credit. I called AT&T wireless the same day I sent my VOD dispute, and AT&T wireless said after I gave them my ss# that they couldnt find any evidence of me having an account with them in the past or presently, NOW WHAT?? Oh Cavalry it has been 36 days since I sent you my VOD dispute, when are you going to respond??

Creditwrench said...

You can find the contact information for just about any and all of the collection agencies there are at http://www.collection-agencies-usa.com

and if you want to learn how to deal with their abusive debt collection efforts you can find all you need to get the job done at http://www.creditwrench.com

Anonymous said...

Is it legal for these people to call your place of work? I have an old charge off debt from ford that they bought and are now trying to collect 3 years after I settled with Ford.

Anonymous said...

So my wife got a phone call while I was at work. A woman said she was calling from Calvary Portfolio and wanted to speak to me. When my wife asked what it was in regards to she got this snide reply: "He should know why I'm calling. Have him call 888-845-0146 and ask for Maggie." Well I've never heard of them before and after reading this and information on other sites I don't know if I should call these rude crooks or not.

Anonymous said...

Just recently getting my credit back in shape( so I thought) and I checked my credit reports this week, and low and behold out of no where I have a $6000 collection placed on all three credit reports from Calvary from a 4 year old charge off from FMC...how much grief is this going to cause me?

Anonymous said...

Until today, I had never heard of Cavalry. I got a letter in the mail from a different collection agency, and where the creditor is listed, it just says Cavalry Portfolio Services. It doesn't even tell me who it's for, just what I owe. They obviously sold the debt, whatever it may be for, in the recent past. I wonder if they sold out before the class action lawsuit kicks in so that they don't have to pay out money on my account. I had a friend that had a letter come from a different collection agency, saying that there had been a lawsuit and every account that collection agency owned at the time was to be credited $280, or up to the total amount of the bill, whichever was less.
Anyway, I ws trying to find out who this company that I supposedly owe money to was, and that's how I landed here. I did have a Sprint phone and it broke so I closed the account and it is possible that they screwed me over to begin with, then sent it to collection. Other than them, I can't think of anything that it could be. Sprint was such a horrible company that if that is what this is, they can bite me. I own everything (my home, 2 cars, etc) outright and I don't carry credit cards, so as a matter of principle, if I have no choice but to wait it out for 7 years, I will.
Oh, and to Mrs Debt Collector and others, while you may not fall under the laws of telemarketing, that's exactly what you are. 90% of all debt collectors work in outsourced telemarketing firms. I happen to work for one of them, although I don't do debt collection. I actually maintain credit card accounts for a major credit card company (how ironic), but my actual employer has several debt collectors as clients.
And to the person that said they'll get theirs, they already do. I haven't taken an application for credit yet for someone in a debt collection agency that didn't get declined for delinquincies and late payments.

Anonymous said...

Hi there,

I just want to make a shot comment. I have perfect credit, as a matter fact my beacon score was 790 as of last Saturday when I was buying a new Yamaha R1. Anyways. Some mother fucker decided my wife’s credit was to good for them and charged her account with an unpaid Sprint bill. Well I know the law in my state and this Calvary Company has to answer to my letter. If Not, the Fair Credit Act provides help for the consumer, not the CRA’s. So people look in to it, it is there to help you. Oh yes, this goes out to stupid bill collectors the work for CALVARY.

“YOU IDIOTS ARE A BUNCH OF IGNORANT TRAILER TRASH. GO BACK TO HIGH SCHOOL FINSH AND LEARNS A SKILL WORTH BRAGGING ABOUT.

Anonymous said...

Everyone who has complaints againt Cavaly, go to www.ripoffreport.com. The more complaints against the same company ripoffreport will do an investigation on cavalry crooked ass!! Then coming soon on that web site it will email people(only if get enouh complaints) to start a civil lawsuit against they ass!! OH by the way cavalry it has been almost 2 months since I sent you a VOD certified mail, WHEN ARE YOU GOING TO RESPOND????? LOL

TRISHA EX EMPLOYEE DID WRONG BY CAVALRY IN MN OFFICE said...

WELL WHERE DO I START.... I STARTED WITH CAVALRY IN 10/2004.. I LIKE COLLECTIONS BECAUSE I GET THE CHANCE TO HELP PEOPLE THAT HAVE ISSUES LIKE I HAD IN THE PAST IWTH OUT BEING MEAN DEMEANING OR RUDE.. I WENT OUT ON MATERNITY LEAVE FEBRUARY 2006 AND RETURNED TO WORK ON 5 1 2006 AND ON 5 22 06 ENDED UP BEING TAKEN OFF WORK DUE TO A BACK INJURY WHILE OUT ON MEDICAL LEAVE AND SHORT TERM DISABILITY THEY FIRED ME BY MAIL. THEY ARE A HEARTLESS COMPANY .. THEY HAVE FIRED OFER 60% OF THE STAFF THAT WAS LEFT AFTER THE NEW DIRECTOR CAME IN IN FEBRUARY 2006..

IF YOU PAY THEM AND SET UP POST DATED CHECKS FOR THE END OF THE MONTH AND YOU CALL TO CANCEL IT THE DAY BEFORE THE LAST DAY OF THE MONTH THEY WILL RUN YOUR CHECK ANYWAYS AND SAY THAT THEY CANT CANCEL THE CHECK. THEY LIE ABOUT REMEDIES THEY WILL TAKE IF YOU DONT PAY THE ONES THAT GET SUED ARE CALLED FROM THE LEGAL DEPARTMENT AND YOU HAVE TO HAVE ASSETS//// PROPERTY ETC NOT JUST GOOD CREDIT AND SMALL BALANCES THEY DONT TOUCH SPRINT AT&T ...// IF YOU WANT MORE INFFO LET ME KNOW

PISSED OFF FOR WRONG DOING

Anonymous said...

Yeah, Yeah, Calvary employees, I paid my account through another company after it became overdue (d/t medical reasons not deadbeatitis). I get a phone call r/t this bill and ask the dates of the service provide by the company retaining their service. The date given was over a year after the card was cancelled by the issuer and per the caller was on the card issued to my wife under my name. To make a long story short, she never had a card from that issuer and I never gave her this card in the first place. now, I ask you responsible adults out there, do you think a card issuer would let you charge a product on their card they had cancelled over a year previous? I think not. As far as keeping records, no one keeps records as good as I do, well maybe some do, this account was over 7 years ago now, but I don't keep everything forever. After 3-4 years, I toss things out, except tax records. You know there is only so much space in this world for each of us.

Anonymous said...

Trisha, I would like to ask you a question about Cavalry criminal ass. Where or how in the hell they come up with these fake debts? Honesty to God truth, I NEVER in my life had an account with AT&T wireless. How did they get my info? I called AT&T wireless on my own and personally gave them my ss# and this kind lady checked her computer and then told me she couldn't find any evidence of me ever having an account under that ss#.NOT presently nor in the past. Now how do you explain that? Oh yeah, CAVALRY I sent you a VOD dispute over 45 days ago, WHEN ARE YOU GOING TO RESPOND????

Anonymous said...

You know what Calvary? You guys are full of it. You are trying to tell me that I have a Sprint account and I've never had a Sprint account. Sprint is full of ----! You and your employees need to switch to Cingular! That's why y'all's calls aint' getting returned, Sprint has to many DROPPED calls. I wonder why! And it's fake companies like y'all that pick them up!!!!! Get some real business.......

Anonymous said...

I have been contacted by Calvery about three weeks ago by a gal named Lisa and then spoke with a guy named Nick. The conversation got heated needless to say. These people are claiming a debt of 6000.00 Dollar to a leased vehicle over 9 years ago, yeah right I keeped all that paperwork and gee you would have thought that the dealership at the time of returning the vehicle would have notified me of any other charges. Well after speaking with the dealership and attourny's I found there is a limited time in each state for unpaid debt collection. After speaking with the Ak state attourny generals office, this morning I did get a phone call from the Alaska State Troopers they advised me to not speak with these people and they are refering this matter to the FBI. This is a white coller crime. And they will contact them about the constant harrasment in the way of phone and mail. My advise to the rest of you is to contact you State Attourny Generals office and your local police departments. Stop these people from ruining your lives.

Anonymous said...

After all the aforementioned comments my story seems mute. I was going to advise you
that there was an agent envolved when I was supposedly working with
AT&T regarding a cell phone which I have never had nor ever would have. I have never had or ever been envolved with AT&T and I have been advised of a court
proceeding dealing with this issue.

littledog said...

Im glad i found this site and i can see im not the only one who has been aggravated/harrassed by these cavalry idiots. I originally had phone service with AT&T and was without phone service for thirteen days. During this period i lost one contract for $1300.00 becasue the individual could not contact me. Business is business so i terminated my agreement with AT&T citing incompetence on their behalf. I also told them i would pay the remainder of the bill if they could reimburse me for the $1300.00 in lost revenue.
AT&T then turned me over to several collection agencies to whom i explained the aforementioned situation. After initial explanation the companies would apologize and pretty much leave me alone. Then it was turned over to cavalry who have been nothing short of a major pain in the A$$.
I explained to them i was not going to pay AT&T because they were incompetent in upholding their end of the business deal which was to provide reliable phone service. I then explained i could not charge someone for painting their house if i had never actually provided the service. Same goes for cavalry and AT&T. These simpletons could not understand this basic business principle. I also tried explaining that in order for me to recuperate part of my loss for the $1300.00 meant i dont pay AT&T or cavalry.
I have been continually harrassed by these guys. These lunatics called me at 6:00pm 4th of July and left a recorded message. I work nights and have to sleep during the day. I also have to wake up during the day to answer calls for future work contracts.
The calls show up blank on my caller id where i have to use *69 to retrieve the number of origin. Then when i call the number it puts me "on hold". They once had a mail system calling every day. The message was spoken so quickly it could not be understood. Caller id was blocked and *69 was also blocked.
I first politely requested they leave me alone but they would not comply. I then insisted they not call but the calls continued. I informed them i felt they were harrassing me and their reply was "Guess what we are goint to keep calling you when ever, how ever and as often we want to so get used to it". I then told them in the exact words "Stop harrassing me". Their reply was "You just wait theres plenty more where this came from".
Ive tried my best to deal with them and due to their beligerant behaviour many conversations have ended up in full blown arguments.
I have found the best way to deal with them is when they call to tie them up in prolonged conversation by asking numerous repetitive questions. They will then be pressed for time (time is money) and will attempt to cut the conversation short. But as long as you act civil they have to remain on the line. If they call and then they cut you short or hang up on you it constitutes harrassment. But on the other hand if you yell at them they can then hang up on you as they please.
I have reported this problem to both the Federal Trade Commision and the State Attorney Generals Office. I would encourage everone else to not waste time in reporting. I wish i had reported it earlier....i thought maybe they would get tired of harrassing me and stop. But i got news for you once they start they dont stop. They will call and harrass the crap out of you as often as they can get away with it. The best thing to do is report them so it will be acted on as quickly as possible and hopefully they will be put out of business.
I would also hope everyone here will do a websearch in na attempt to collect names of individuals who may want to hire a lawyer for a class action lawsuit.

Anonymous said...

I have been contacted by these people probably 6 times within the past 2 years. Not for a debt that I have but for a debt that my ex-husband has and they can't seem to get a hold of him, so they call me to try to find him. At first they wouldn't give me any information. "I'm sorry, we can't disclose that information." I should have said, "I'm sorry, I can't disclose any contact information you are requesting unless you tell me what this is about and STOP CALLING ME!!!!" Around the first time they called I was going through a child custody battle with my ex and the only thing I could think of was something was going on with my son. They were kind enough to tell me it had nothing to do with my son. In any case, 2 years later, I'm still getting calls.

Anonymous said...

This is directed to the lady who stated her husband works at this company and she works for another. Some of you may recall some of her comments like "lazy, stupid, its not my bill blah blah blah." my comment is that I don't have a problem with someone trying to collect a debt however i do have a problem with someone trying to collect a debt that is past the statue of limitations. Once the statue of limitations is complete (in my state it is 7 years) it is against the FAIR DEBT COLLECTIONS PRACTICES ACT to try to collect that debt. If anyone is interested in looking this up to find out the laws and what collection companies can do, just do a google search and it will tell all the collection laws. For those of you who have accounts that are over 7 years old just dispute with the credit bureaus and they will remove them. They are not allowed to keep negative accounts on your credit reports longer than 7 years old. The credit bureau gives the company 30 days to validate that it is within the 7 years and that it is a valid debt. If the company cannot do this the credit bureau has to remove it from your credit report. I am in the same boat as a lot of you. I have a credit monitering service and I get a credit report every month. This company just appeared on my credit report in June for the first time and say I owe 6400.00. I have no idea who this is and have never recieved a phone call, letter. or any correspondence with them in reference to any debt owed but they are tearing up my credit. I will say that due to them already messing with my credit that if they do contact me, They can EAT MY SHIT!!!!!

Anonymous said...

Revisando mi historial de credito veo que Cavalry esta en mi lista.No entiendo porque ya que no tengo nada con Sprint yo habia informado sobre el robo de mi IDENTIDAD. Y me estan facturando 243.00 dolares de una cuenta que no es mia, Porque no averiguan primero antes de joderme el credito..Malditos sean. Por cierto me llamo Luz, y ojala reciban mas insultos por cabrones.

Anonymous said...

Calvary has also harassed me. The thing that irks me about this crap is when you tell them you don't owe the debt they say prove it. This is the USA. You prove I owe the debt, and until you do remove it. The problem is they buy the debt from someone else and take their word for it with out proper paper work.I'm sure that they pay so much on the dollar so why wouldn't the selling company add additional fees to boost revenue they thought was lost? Even if you do get someone that acts like a human they ask for the same info and then never call you back or remove the crap from your report, the calls just stop. And to the Calvary employees that spoke of responsibility, that's being responsible? You can call and harass me about your mistake but not to say sorry and I cleared that up? If I owe it come Hell or high water you'll get your money other than that don't bother me. By the way Sprint is an a--hole company with poor customer service. If they would settle disputes with customers in house they wouldn't have to sell accounts to leeches and screw everyones credit up.

Anonymous said...

Well I agree with you all. Calalry and all of its employees are full of shit. I have tried many times to settle a debt that I had with them through MBNA. Well now that I can settle the debt they dont want to settle it with me. I called them about 4 times today and talked to 4 different people. The 5th girl told me to leave my name and number and they would call me back to keep me from calling them too many times because they have other customers. How Rude!! They call you 3 or 4 times a day but dont want you calling and harrassing them. I even had a manager--NICK--laugh in my face because I didnt have the money to settle my account and told me if I wanted to buy my house (which is why I was trying to settle) that I would take what they were offering or stay where I was at. Cavalry and all of its employees can burn!!

Anonymous said...

I need advice. I just received a letter in the mail today from Cavalry trying to collect some $500 of Sprint debt. I can HONESTLY say that I NEVER had a Sprint account. Is this company even legit? Has someone stole my identity? I am really frustrated. I am calling the compliance department tomorrow, but after reading this, I am afraid it will come to no end. I'm scared to see what this error has done to my credit score. I am sorry, but you 'employees' of Cavalry do not know what your employer is doing. You are oblivious. What a shame. Should I contact the BBB, my attorney, what? Thanks

Anonymous said...

Ditto, ditto. I too am being harassed by the vultures, oops I mean the Cavalry collectors. I receive about one call a day, either computer generated, or from "Adam" asking for myhusband or my husband's ex-wife. I have told them I am not that person, but they continue to call. They are trying to collect on an old Ford debt acquired by my husband's ex-wife. If anyone has an address on "Adam" phone # 866-840-6627, I would really appreciate it. I would like to get an address and pursue this with the Texas Attorney General's office. I will also report them to the BBB. To all of you out there frustrated, don't give up. Report them to the Attorney General's office and the Better Business Bureau, write your State Representative. Texas "State law prohibits the use of harassment and abusive collection tactics. It is illegal for any debt collector to:
• threaten violence or other criminal acts;
• use profane or obscene language;
• falsely accuse the consumer of fraud or other crimes;
• threaten arrest of the consumer, or repossession or other seizure of property without proper court proceedings;
• use the telephone to harass debtors by calling anonymously or making repeated or continuous calls;
• make collect telephone calls without disclosing the true name of the caller before the charges are accepted."

BUGLE CALL- Let's be like the Cavlary and CHARGE....
It's time we the, consumers take control of our lives.

Anonymous said...

GEE - DOES ANYONE ON THIS SITE PAY BILLS? IT SEEMS TO BE EVERYONE ELSES FAULT. TRUTH IS THAT WHEN THOSE OF YOU WHO TRULEY OWE MONEY JUST WHINE AND COMPLAIN AND DONT PAY FOR A SERVICE YOU AGREED TO - ITS THE REST OF THE POPULATION THAT HAS TO PAY FOR YOUR IGNORANCE. IF YOU HAVE A DEBT AND DONT PAY FOR IT IS THE PUBLIC JUST SUPPOSED TO "TRUST" THAT YOU WILL ONE DAY RESOLVE YOUR OWN IGNORANCE? GEE - IF A COLLECTION AGENCY IS CALLING YOU ITS BECAUSE YOUR DUMB ASS MADE NO RESPONSIBLE EFFORT TO CONTACT THEM FOR RESOLUTION - AND AS FOR THE FEES THAT ARE ADDED, WHO DO YOU THINK SHOULD PAY A COMPANY TO CALL LOOSERS THAT HIDE FROM DEBT? YEH - THE JERK THAT HID FROM THE CREDITOR "THE DEBTOR". YOU RAN AND HID AND THOUGHT THE STAUTE OF LIMITATIONS WOULD RUN OUT - HOW DISGUSTING! HOW DO YOU SLEEP AT NIGHT? AND AS FOR THE JERK THAT DOES NOT THINK COLLECTIONS IS A CAREER - WHICH BURGER KING ARE YOU WORKING AT? BECAUSE YOU DONT KNOW JACK!!

Anonymous said...

this website is very interesting and informative. Collecting money from people for people because people over indugle themselves is the way to go. This is AMERICA and since before the indians, our forefathers have been liars, thieves, and prostitues. we have raped, killed and lied to the minority to please ourselves. so why would now be any different. the laws just make it easier for those who have and understand the bi-laws and like always life is harder for those who have not. profit gain is everywhere in the world how desparate are you to get a piece of the pie. As the white collar crime doers that seem just now to be under the gun. We should understand the game (American Law) and use it to our benefit whatever side we are on. No collector will be welcome to get whatever they want when it is not them that i may owe. Never. Enron, Bush, East War, Big Business gain, overseas Jobs, Tax Breaks, Katrina, Fema, ect,,,,it will continue and only True God and Savior, Only He will straigthen it all out. He shall be the true judge to all that is wrong and unjust. Yeah,answer the phone but it is your home line. You control that conversation. It is your money that they want for someone that you may have owed. If the conversation goes different respectfully,,,hang up. if they call several times-harrassment. learn the laws and the bi-laws. Collectors are people too, they have families too..,,remember that we you feel scared. As one collector said they go home to their families. interesting. what goes around comes around,,,the american way. you may comment about the spelling, i am not the best. however, i know you get my point. American school

Anonymous said...

Now for mine. First of all, the person who is representing Cavalry on this blog, enough is enough. I'm sure there are some instances of exaggeration, however, where there's smoke there's fire. Admit it. There can't be this many people with this many SIMILAR complaints, without ANY sort of validity to it. I checked my credit report 6 mos ago, found Cavalry on there for something from '96 from Sprint. It was something that I knew nothing about, and I had left messages for Cavalry without any return phone calls. Finally, I decided to go to the source, and after calling Sprint and looking into it, it was decided that I actually did owe the money. I paid it right then and there in full directly to Sprint. I also updated my contact information, in case there was any other problem, they would be able to find me. No less than 2 weeks later, family members of mine start receiving phone calls looking for me. I'm talking about family members that I hadn't spoken to in 3+ years. This Nick guy even contacted my grandfather, and had the audacity to ask him to confirm that my grandmother, his wife, had passed away 12 yrs prior. After receiving a phone call from my mother, who was thinking is was possibly identity theft, I called the number back and was able to get in touch with the person who was calling my family. After explaining to him that this was paid in full directly to Sprint, I asked him to remove me from whatever list he has me on, and then started to say some choice words about referencing my deceased grandmother to my grandfather, when he abruptly hung up on me. Approximately one week later, I received another phone call from someone in their office, asking me to verify how much I had paid and when it was paid. When I told him the amount (which was $250.00 less than what they were trying to charge me), he said, yes, that was how much they bought the debt for, and that it would clear my account. He then explained that it might take 3 months between sprint reporting it to Cavalry, Cavlary reporting to credit agencies, etc..for it to come off my report. My wife and I had just started looking for a house, and I knew it would take 4 months or so, so I said I understood, and that was that.
Fast forward to today, where I checked my credit report again, and it has been updated, but now, it says I have a balance of $52.00. When I called them, I explained my situation, and once I finished, I was very rudely answered with, "Well, that's interest. You signed up for it on your contract" and then, when I asked to speak to someone else, he referred me to the "Compliance" department, which i'm sure is some small suite in some small town in New York, with about, 2 people working in it. My credit score is still being affected by this "delinquent" account, and I continue to get no help from any one in Cavalry. I'm sure that the "employee" will respond saying I should send all copies, blah, blah, blah...did that. Even faxed copies of cancelled checks to Cavalry, and still no help. So, I've followed all the advice on this blog. I filed complaints with www.bbb.org and www.ripoffreport.com. As far as a next step, I'm not sure. Speaking to a "higher up" in this company doesn't seem to work. Makes me think that maybe they're just one big pyramid scam. Everyone making money off someone else, with some poor hardworking schmuck at the bottom getting ripped off. That schumck would be us.
Hopefully, some of what I have done will help, although, I'm not keeping my fingers crossed. I will keep you guys updated, and let you know what happens, if anything, and what works, if anything.

Anonymous said...

NEVER EVER PAY A COLLECTION AGENCY! NEVER! AND NEVER PAY A DEBT THAT IS OVER 4 YEARS OLD. NEVER. STATUTE OF LIMITATIONS IS 4 YEARS IN MOST STATES. ITS OK FOR CORPORATE AMERICA TO FILE BK AND SCREW PEOPLE BUT NOT THE INDIVIDUAL. BULLSHIT! TELL THESE SCUMBAG BLOODSUCKERS TO FUCK THEMSELVES AND FIND A REAL JOB. THEN, PUT THE BALL IN YOUR COURT TO SUE THE CRAP OUT OF THEM. SEND A CERTIFIED LETTER FOR THEM TO CEASE AND DESIST ALL CONTACT WITH YOU AND THAT THEY ARE INCORRECT IN THEIR ALLEGATION. TELL THEM YOU WILL USE THE FAIR DEBT COLLECTION PRACTICE ACT (FEDERAL LAWS) AGAINST THEM. THEY WILL STOP OR LOSE IN COURT. NEVER EVER PAY THEM AFTER THE STATUTE OF LIMITATIONS OR YOU COULD POTENTIALLY START THE PROCESS ALL OVER AGAIN. TELL THE MOTHERFUCKERS TO GO SWEAT AND GET DIRTY FOR THE OL MIGHTY DOLLAR. VULTURES WILL TAKE ADVANTAGE OF THE IGNORANT. THERE IS A BOOK OUT ALSO CALLED "BEAT THE COLLECTOR". GET IT YOU WILL NEVER LOOK OVER YOUR SHOULDER AGAIN.

Anonymous said...

Thanks to @$$HOLES like the one posting above me in ALL CAPS who think as long as he can get away without paying he should not have to, all those innocent people that are victims of ID theft get a hard time and have to bend over backwards to prove their innocence. I must also say this site is the most entertaining site in the world to all of the Cavalry employees. We love it when whiners, complainers and THIEVES mock us and call us names. Now for those true victims of fraud, just get a police report and send us a copy then call it a day. If you were simply a victim of your own trust in your child, spouse, cousin, friend, etc. and believed them when they told you they would pay off that credit card, pay everyone of those cell phone bills or never miss a payment on that car loan you cosigned, your a liar and a thief like the trash WITH THE ALL CAPS POST ABOVE!

Keep the posts coming! The original owner of this site has long stopped paying the bills here but the good people here at Cavalry all chipped in to keep it up for our own entertainment. Have a blessed day!

Anonymous said...

REALLY DUMBASS. ALL CAPS IS ME! FUCK YOU HOW IS THAT! CAVALRY ACTUALLY IS NOT WHY I AM HERE, BUT I HAVE ONCE RECIEVED A 12 YEAR OLD DEBT NOTICE FROM YOU MOTHERFUCKERS. LOOK BACK THROUGH ALL YOUR PAPERWORK THAT YOU SCUMBAGS MAY HAVE SAVED AND YOU WILL KNOW WHO I AM. I WROTE "GO FUCK YOURSELVES" ON IT AND SENT IT BACK. SEE, DIRTBAGS LIKE YOU LOVE TO BEAT ON THE NIAVE THAT DONT KNOW THE LAWS. YOU TRY TO INFLICT FEAR TO "STEAL", YES "STEAL" PEOPLES HARD EARNED MONEY ON DEBTS YOU FUCKS BUY FOR PENNIES ON THE DOLLAR. YOU DON'T LIKE ME! WHY? BECAUSE I KNOW HOW TO BEAT YOU AT YOUR GAME. AND TO BEAT YOU AT YOUR GAME TAKES AWAY FROM YOUR POCKET. GO GET A REAL JOB YOU SWINE. AND HEY PEOPLE, NEVER PAY A COLLECTOR EVEN IF YOU NEED TO PAY. ALWAYS SEND YOUR MONEY TO THE ORIGINAL CREDITOR. AFTERALL WHAT CONTRACT DO YOU HAVE WITH THESE SECOND HAND SCUMBAGS. NONE! AND NEVER SEND A PENNY AFTER THE STATUTE OF LIMITATIONS. COLLECTION AGENCIES ARE VERY EASY TO BEAT AND IF YOU DO YOUR CEASE AND DESIST AND RECORD ALL CONTACTS THEY HAVE ILLEGALLY MADE, THEY WILL BE PAYING YOU! ENOUGH SAID! SIT BEHIND YOUR FUCKING DESK MACKING ON THAT CHEESE BURGER AND FAT ROLLING FROM YOUR 3RD CHIN, AND LISTEN TO THE BEATING AND NAME CALLING YOU DESERVE TO GET. YOU SELF RIGHTEOUS SWINES. YOU HAVE SUCH PERFECT LIVES DONT YOU? GAG AND PUKE. GO WORK FOR A LIVING BEGGAR.

Anonymous said...

HAHAHAHAHHA!!! That's freaking hilarious. I love it!

I just got my first call and they start off asking my SS#, but won't tell me anything about them, other than the company name. I said "there is no way I am giving my personal information until I know why you are calling me", to which she says "Well then, I guess we'll just have to call you everyday until you give us your information." These bastards have some balls, don't they.
I believe every word from every disgruntled consumer posting on here, because reading the replies from the Cavalry employees is like listening to an Andrew Dice Clay performance. I can't believe the language. Did you all get your training from Eddie Murphy? Or from watching Scarface?
Good luck everyone. And don't pay a dime. They can't make you, and after 7 years the debt is gone. I swear cavalry seems to hire the most articulate employees. Ex-cabbies, maybe?
HAHAHAHA

anonymous said...

We need to band together and file a class action to sue and have all Cavalry stuff on all credit reports removed and have them put out of business for being unethical and as they say "STUPID"!

Anonymous said...

These fuckwits are trying to collect a VERY old 'debt'. For a Mobile Oil card, during my time in college. Funny thing is, I never had a card by Mobile Oil, didn't own a car in college, and there were no mobile oil stations anywhere in the town I went to school in and lived. And they have done things like send me letters (Trash), filed a credit mark with two of the three (a stamp and a form letter and they are gone) and the one time I did answer their infrequent calls on a 10+ year old debt they were ignorant of the laws and tried to trick me into admitting I owed the money (they record calls, you verbally admit anything and you have to pay even if its past the statute of limitations). I told them to mail me copies of the signed agreements and any signed receipts showing my signature on it... they never bothered. I filed a BBB and Trade Commission complaint and they still try and harass me (they are quite pitiful mind you, very bad at what they do).

Cavalry is a scam business folks. They buy very old debts for pennies on the dollar and try to collect, preying on the ignorance of people. AFter 4 years the debt is written off by law in most states and after 7 they can no longer legally try and collect nor mark your credit over the debt. They violate many, not all, but many of the federal laws and mis-represent themselves on a regular basis.

As for my debt (fraud), I filed a police report, BBB complain, and FTC complaint and have been advised that I should sue them outright on top of the FTC fines that they are going to be forced to pay the fed.

Anonymous said...

I posted August 3, and promised an update if I had one, and I do. I filed a complaint with the FTC and the BBB at www.bbb.org. The FTC basically sent me a form letter back stating that they could not help me, due to the fact that the complaint was debt related. They did, however, send me a form outlining all the Fair Trade Act laws, and almost led me to believe that they felt Cavalry had violated some of these laws. However, the BBB has actually truly helped me. They were very fast in their responses and their contacts with Cavalry. Within one week, I had received a response from them, with a letter from a staff attorney at Cavalry stating that, even though they didn't do anything wrong (which is bs, especially if you read my last post and read what they actually did) for the sake of resolving the issue amicably and efficiently (HA) they would close the case and stop all collection proceedings. So, basically......I WON!!!! The only thing I am now worried about, is making sure they correctly and expediently report this to the credit bureaus, as my credit score is still suffering about 50 points due to them. I have re-emailed the BBB stating my concern, and am awaiting a reply sometime this week. People, I highly suggest you contact the BBB if you have a LEGITIMATE gripe, and, like me, feel like your back is up against the wall. Unlike us, they HAVE to answer to the BBB. Also, if you search for them on the site, you will see that there are numerous complaints against them. Good luck, everyone

Anonymous said...

To get them off your credit report is rather simple. Write them a letter and send it certified that if the information they have illegally placed upon your credit is not removed you will be filing a lawsuit against them under the FCRA (Fair Credit Reporting Act). Then contact, as much as necessary until removed, each credit reporting company with a letter as well. If they know what is good for them, they will remove it immedaitely knowing they will have to answer to a lawsuit. These dirtbags are simply looking for the niave to send money their way to feed their bank accounts. FIGHT BACK WITH A VENGENCE! YOU WILL WIN!

Anonymous said...

To all you debtors, pay your fuckin' bills. If you claim it's not yours, how did it reach your credit report. Probably that cell phone acct you opened for Jr that you forgot all about. To the faggot that uses caps, it's professional debtors like you that make these people's default interest rate 25%. Everyone, thank this guy. Time to read a different book, bitch. Try "Do the World a Favor: End It." For anyone pissed that Cavalry gets rich off your debt, tough shit. You put your signature next to it, or don't you remember? Oh, that's right. All you wanted was whatever it was you desired at the time. As they say, paybacks are a bitch. If you would have paid the bill in the first place, you all wouldn't be on this site. I know some people that work for Cavalry. Imagine having to deal with fuck ups like some of those that post here. It's a tough job but someone has to combat the interest rates.

Anonymous said...

REALLY FUCK STICK? PROFESSIONAL DEBTOR? SINCE WHEN YOU DUMB FUCKING ASSWIPE? GET OUT FROM BEHIND YOUR DESK YOU FAT FUCK SO I CAN BEAT YOUR ASS. YOU CANT STAND THE TRUTH YOU FUCKING PIECE OF SHIT BECAUSE IT EFFECTS YOUR POCKET BOOK. ABSOLUTELY A BEAUTIFUL THING! YOU HAVE NO FUCKING CONTRACT WITH ANYONE YOU COLLECT FROM! IN FACT YOU USE DECEPTION TO STEAL FROM THE IGNORANT! GO FUCK YOURSELF! GO WORK FOR A LIVING YOU PERFECTLY FAT PILE OF SHIT. ROLL OUT FROM BEHIND YOUR DESK, GRAB A SHOVEL, AND WORK LIKE A PIG! NOBODY OWES YOU A FUCKING DIME AND ONE SHOULD NEVER EVER SEND A PENNY TO ANY COLLECTION AGENCY! NEVER! SEND ALWAYS TO THE ORIGINAL CREDITOR! ALWAYS! FIGHT THESE FUCKING BEGGARS TO THE FINISH! WRITE ANOTHER ONE YOU WORTHLESS FUCK. IN THE MEAN TIME LAUGH AT THIS GREASY BEGGARS AND TELL THEM POLITELY TO GO FUCK THEMSELVES! GET THE BOOK "BEAT THE COLLECTOR" IF YOU HAVE ANY DOUBTS. IT IS ALL SO EASY. BANKRUPT EVERY COLLECTOR OUT THERE! SWEETNESS!

Anonymous said...

OH AND YOU MIGHT WANT TO LEARN HOW INTEREST RATES WORK. DUMBFUCK

Anonymous said...

Rar, rar, rar. Threats of physical violence. Somehow I am not surprised. Oh, and by the way, my pocketbook is a beautiful thing, thanks to your kind. You may not pay your bills, but you do pay mine. Thanks!

Anonymous said...

LOL DICKFACE. (1)I WILL NEVER PAY YOUR BILLS (2) I WILL PROVIDE INFORMATION THAT WILL KEEP YOU FROM COLLECTING ANYTHING. FUCKS LIKE YOU ARE A DIME A DOZEN. I DON'T FEAR YOU. I BEAT ON PEOPLE LIKE YOU. I KNOW WHAT THE FEDERAL LAWS ARE AND I KNOW HOW TO ABUSE YOU WITH THEM AND IN FACT TURN THE TABLE ON YOU AND YOU PAY ME. FACT! LIKE I SAID, PUT THE QUARTER POUNDER DOWN,GET YOUR FAT ASS OUT FROM BEHIND YOUR DESK,PICK UP A SHOVEL AND WORK FOR A LIVING LIKE THE REST OF THE WORLD DOES, LOSER. YOUR PROFESSIONAL, A PROFESSIONAL CON MAN. HEY, ITS QUITING TIME! YOUR RIDE IS WAITING FOR YOU OUT IN FRONT OF CAVALRY SCAMFOLIO SERVICES. HURRY, OR THEY MAY MAKE YOU RIDE THE BUS TOMORROW!

Anonymous said...

wow bold caps person must not have a hobby...jeez!

Bill Collector said...

Dear Caps, you're a punk. Let me tell you your sickening life story. You learned the game long ago, when the phone rang and your pathetic mother told your worthless ass to pick up the phone. Next, you'd "screen" the call to find out who was calling. (most likely a bill collector of course!) Then, you'd lie and say:"she's not here" ..or even better: "wrong number". The few times that fat ugly disgusting pig that you call mom DID get on the phone with a collector, (probably because the collector made you cry) She unleashed every profanity imaginable,then professed:"I only have to wait another year until I file bankrupcy again" ..... You learned alot about how to live life from mom, didn't ya punk?! Now your
worthless, trailor trash, inbred kids are learning the same from you.... Just remember CAPS, I have a job because of scum like you.

Anonymous said...

Just want to pay my debt, I know that I owed money to cavalry.Please tell me how to contact you guys.I believe there should be good people,people who want to help. Thank you.

Anonymous said...

LMAO, PUNK? LMAO MORE. YOU ARE SUCH A PILE OF SHIT ITS PATHETIC. YOU FUCKS AT ANY COLLECTION AGENCY, ESPECIALLY THE ONES THAT SEND COLLECTIONS PAST STATUTE OF LIMITATIONS. PURE ASS THEFT YOU FUCKING DIRTBAG. YOU ARE HOPING THAT SOME POOR FUCKER OUT THERE DOESNT NO THE LAWS AND IS AFRAID OF YOU. FUCK YOU! PEOPLE, NEVER FEAR A COLLECTOR. PUT THESE SCUMBAGS IN THEIR PLACE! NEVER PAY A COLLECTOR. NEVER! LIKE I SAID, GET YOUR FUCKING FAT ASS FROM OUT OF BEHIND YOUR DESK, GET A SHOVEL, AND WORK FOR A LIVING. YOU PEOPLE ARE A PERFECT EXAMPLE OF WHAT A FREELOADER IS. PREYING ON PEOPLE IN HARD TIMES LIKE YOU FUCKERS ARE SO PERFECT. AGAIN FUCK YOU! YOU SLOB, I DO NOT FEAR. OH AND BY THE WAY SCAM MAN, I DONT THINK YOU WANT TO COMPARE FAMILY PERSONEL. THE HOUSE OR APARTMENT YOUR LIVING IN WAS PROBABLY BUILT BY US! SEE, I CANT STAND YOUR TYPE. PEOPLE THAT SLITHER AROUND AND SCAM ARE NOTHING BETTER THAN FUCKING TRASH. I DONT WORRY ABOUT COLLECTORS. I HELP PEOPLE BEAT THEM AT THEIR GAME. PUNK? PAY-PER-VIEW CAGE BRAWL? I AM MORE THAN GAME! YOU?

DONT PAY A RED CENT TO A COLLECTOR!

PAY THE ORIGINAL CREDITOR!

NEVER PAY AFTER STATUTE OF LIMITATIONS!

NEVER PROVIDE PERSONAL INFO TO THESE SCUMBAGS.

BEAT A COLLECTOR! ITS SO EASY!

Anonymous said...

CAVALRY SCAMFOLIO POSTED>

Anonymous said...
Just want to pay my debt, I know that I owed money to cavalry.Please tell me how to contact you guys.I believe there should be good people,people who want to help. Thank you.

8/17/2006 8:57 PM

DESPERATION AT ITS BEST!

Anonymous said...

Hey CAPS. You are such a fuck up. You say that collections past the statute is a scam? How about the homos like you that have an account past statute. You are a thief. You traded your tainted signature for stolen property. Is that how your beat neck family bought the tools you use to build those shitty homes and apts? My home, I'm positive, was not built by a bunch of deadbeats. Just wanted you to know that I have banged my beautiful blonde girlfriend in all five bedrooms of the home I purchased with all the money you gave me. Keep up your debtor ways.

To all the people that happen to have an account in collections because of some unforseen circumstances, don't listen to this guy. He says pay the original creditor. Well, in some instances you can. However, it will usually just take much longer for the payment to actually post to your account. That just means your bill collector will be calling telling you that you did not make the payment. In Cavalry's case, they bought the debt... NOW THEY ARE YOUR CREDITOR! So make things easy on yourself. Be cooperative, tell the truth, and collectors will simply be able to do their jobs. I'm tempted to drive around to all construction sites and start giving the workers a hard time. I would need to start swearing and making threats on the odd chance that I might find CAPS.

CAPS, you are just pissed cuz us collectors make at least twice what you do. If you weren't working for mommy and daddy, I'd see you picking up my garbage. We need your kind to break your back working while the rest of us use our heads. You are obviously unstable and probably got your ass handed to you by a collector so you have some personal fucking vendeta. Get over yourself and stop giving these people advise that will only cause more problems for them.

Anonymous said...

QUIT LYING TO PEOPLE SCUMBAG! COLLECTORS ARE FUCKING TRASH! BOTTOM OF THE BARREL BEGGARS! AND NO I HAVE NOT ONE COLLECTION ON MY CREDIT! WHY? BECAUSE I PAY MY BILLS WITH THE MONEY I SO EASILY EARN. IT DOES PAY FOR MY PRETTY LAVISH LIFESTYLE. HEY IF YA WANT TO FIGURE OUT WHO I AM, PUT OUT THAT PILE OF DOUGH YOU SAY YOU MAKE AND MEET ME AT PARTYPOKER.COM ON THE 50/100 DOLLAR TABLES. MAYBE YOU MIGHT FIGURE OUT WHICH DUDE WITH THE PILE OF MONEY IS ME. FACT! AND YOU CAN WATCH FOR FREE. LIKE I SAID, I HATE FUCKERS LIKE YOU AS YOU STAND FOR NOTHING POSITIVE. ITS YOU THAT SLITHERS AROUND TRYING TO FIGURE OUT WHICH INDIVIDUAL WILL AND WILL NOT PAY. BEGGAR! YOU POUNCE ON THE ONES THAT WILL BECAUSE OF THEIR IGNORANCE OF HOW TO BEAT YOU AT YOUR GAME!

POOR BLOND OF YOURS. IT SAD YOU GOT TO BANG THE OLD BITCH. POOR THING BEGS FOR THE FINGER CAUSE THE OL COCK IS TOO SMALL. OR IS IT YOU CAN'T GET IT PAST THE FAT FUCKING BELLY OF YOURS. QUIT EATING QUARTER POUNDERS YOU SLOB!

ENOUGH OF YOU. I HAVE FUN BEATING ON COLLECTORS THAT "PRETEND" THEY ARE OUT TO HELP YOU. DON'T PAY THESE SWINES AND DON'T LISTEN TO HIS LIES. ALMOST ALL CREDITORS HAVE ONLINE BILL PAY! IT DOES NOT MAKE PAYMENT AND CREDIT ANY SLOWER BY PAYING THE ORIGINAL CREDITOR! THIS SLOB IS A CON MAN! PAY THE ORIGINAL CREDITOR!

AGAIN BIG GUY, MEET ME ON PARTYPOKER.COM I WILL EVEN LOWER TO A .50 TABLE JUST FOR YOUR POCKET BOOK LEVEL. LMAO!

REMEMBER PEOPLE, THESE BEGGARS DON'T HAVE A JOB IF YOU DON'T PAY THEM!

Anonymous said...

This CAPS character is living in some twisted reality. The laws he thinks he knows have all been misquoted. I caution anyone who has listened to CAPS's rantings. (This guy's sentences are so choppy and awkward to read.) Anyways, the real story is quite simple. Someone opens an acct, say cell phone or credit card. That company you signed on with says directly in the contract that they retain the option to sell your acct. Once it charges off, they win. They have probably already imposed massive fees and overages, often doubling the balance. When they are sick of dealing with you, they sell the acct for pennies of an inflated balance, upping the selling price for them. Now they are able to write off the entire balance for their tax purposes. You got had. Now, if you are in fact dealing with Cavalry, they own the debt (like the person above says.) If this is the case, you finally have an opportunity to pay close to or sometimes less than what your original balance was before the original company raped you. When Cavalry contacts you, whether by phone or mail, request a settlement. This means they will ignore a percentage of the current balance. If you work with them and have intentions of following through with a settlement, you will be able to negate the interest and late charges that most likely are why you were unable to handle the debt in the first place. Everyone wins here. You pay what you really owe, Cavalry or agency closes your acct, and your credit report reflects a paid acct that was at one time past due. HERE'S A SECRET: Once you have paid your settlement amount, request a satisfaction letter. Once you receive this, submit a dispute with all three credit reporting agencies. If Cavalry does not respond within the small 30 day window, the negative item will be COMPLETELY REMOVED from your credit report. Now remembere back how the original creditor raked you over the coals. They might have had a profit and loss write off, but they actually only received a small percentage of what they had borrowed to you. They ripped you off, but in the end, you can get them back. Especially credit card companies, these are the enemy. Granted, Cavalry does make a profit, but that's why collections is a multi billion dollar industry. The cc companies count on a certain amount of people to mess up with their product. This is part of the reason they still exist. My reccommendation to all that have came to this site with questions or concerns is to see the overall picture. Now is your chance to make things right. I performed the described process for a settlement and had a negative item removed (some stupidity on my behalf from when I was 18.) This is much more effective than anything I have heard from CAPS. I should clarify for anyone who is wondering, it is not illegal to collect on anything out of statute of limitations. Debt follows you to the grave, and in many cases beyond. Once the statute is up, it only removes the creditor's right to seek legal ramifications. Hope this helps some of you. After stumbling on this site and see some of the incorrect info here, I will stop back periodically to answer legit questions.

THE HELPER said...
This comment has been removed by a blog administrator.
THE HELPER said...

Hello again. My posting is directly above. In the future I will identify myself as "The Helper." I do not work for Cavalry or any collection agency. I am in the credit/finance profession and have a knowledge of the laws.

Anonymous said...

What a LIAR! SAME DOUCHE BAG FROM CAVALRY!

NEVER PAY A COLLECTOR!

BUY THE BOOK "BEAT THE COLLECTOR"

GO TO AN ATTORNEY AND MOST WILL TELL YOU HOW THESE DIRTBAGS OPERATE. WHY DO YOU THINK THEY MADE FEDERAL LAWS TO PROTECT THE CONSUMER? THEY ARE NOT PROTECTING COLLECTION AGENCIES! LOOK AT THEIR METHODS OF OPERATION... FEAR, INCARCERATION, THREATS...AND ON AND ON. THESE WORTHLESS SCUMBAGS WILL GO TO ANY EXTREME TO GET A DOLLAR FROM YOU. DON'T LET IT HAPPEN! FIGHT BACK!

COLLECTORS ARE SCAVENGERS/BEGGARS!

THE "HELPER" AS HE STATES, IS A CON MAN THAT NEEDS YOUR MONEY TO LIVE OFF.

AND NO, YOU DO NOT TAKE ANY DEBT THAT FALLS INTO STATUTE OF LIMITATIONS TO YOUR GRAVE! LOOK UP THE STATUTE OF LIMITATIONS LAWS FOR THE STATE YOU LIVE IN. NEVER PAY THESE DEBTS! ONE PAYMENT TO THESE DEBTS CAN START THE PROCESS ALL OVER AGAIN! THIS ASSHOLE WHATS YOU TO THINK YOU WILL HAVE SOMEONE LOOKING OVER YOUR BACK FOREVER. BULLSHIT!

BEAT THE COLLECTOR AND MAKE HIM PAY YOU!

Anonymous said...

OH AND USE EVERY BIT OF THE

FDCPA LAWS AGAINST THEM. TURN THE TABLE!

WRITE AND SEND A CERTIFIED CEASE AND DESIST LETTER, WRITE DOWN ANY AND ALL CONTACTS BY THEM, AND THE METHODS OF OPERATION THEY USE TO COLLECT FROM YOU. THEY SLIP? LITIGATION TIME!

MOST OF THESE COLLECTION COMPANIES END UP WITH STIFF FEDERAL FINES FOR THEIR ACTIONS ANYWAY. REASEACH THE CLASS ACTION LAWSUITS THAT WERE SUCCESSFUL. TELLS MUCH.

Anonymous said...

Don’t Make More Mistakes!

Don’t pay one dime to a collection agency, file for bankruptcy, or pay
a service for debt consolidation.

If you do, or have, you wasted your money. There is no better time than NOW to finally get it right. Join the thousands of other people who turned their bad debt into profits and “Beat The Collector”!

Anonymous said...

Hahahahaha! This CAPS guy is a crack up. I just recieved a letter from this Cavalry Portfolio Services yesterday and decided to look up who they were and where they were located as well as if and any complaints against them. Well, I came here and read alot of complaints. My situation is 9 years old and through Sprint as alot of people here have said. What is really funny looking this information over is there is no account number, but a balance of $378. Really? Well how about proving that this is mine by providing an account number from Sprint that I owe it. I will not pay it anyway as statute of limitations in my state is 5 years. I will take some advice from here and mail it back with a go #### yourself on it like this CAPS guy said and see what happens. I haven't been called so that is one good thing.

Regards

Anonymous said...

Attention people! Hello!

DO NOT pay any bill that has passed Statute of limitations! You are handing away your hard earned money! They no longer have legal recourse against you! There are a few on here that have it very correct. Wow!

Charly said...

To the Collectors:

I found 3 collection accounts in my credit report from Cavalry dated 2001. But guess what? I moved legally to the US and became Resident in 2004 ( never lived before in the country) and I received my SSN in July 2004. Can you explain me what is the "logic" or "evidence" you use to say I owe you?

Do you really investigate or you just say:
"This guy has the same name, let's f#$%^ him..."???

I'M ABSOLUTELY CERTAIN I DON'T OWE ANYTHING!!

Now what?

Anonymous said...

They don't investigate shit! They place it on your credit as a tactic to get you to contact them. It's called a game. A game you can win at. Go to an attorney or read the Fair Debt Collection Practice Act and the Fair Credit Reporting Act. If they have violated 1 item that pertains to your situation, use full force to bring lawsuit to the table. They will do the backpeddling instead of you. And they will either remove it or pay. They have the choice. Beat them at the game they play. Its sad these people are so desperate to dig deep into ones pockets KNOWING what they are doing is morally wrong and even more when statute of limitations on a debt has expired. You can win. Be patient but persistant.

Good Luck

Anonymous said...

i work for cavarly, i dont understand the problem you people are having. i just went on a two week vacation, took my kids to disneyland and wouldnt have been able to if i didnt work for cavarly, we are honest people trying to help you resolve your debts. too bad you put them off and now bill collectors are calling you. your such good people but YOU NEVER PAY YOUR BILLS, I KNOW THIS FORM YOUR CREDIT REPORT, YES WE READ THEM ALL, for those of you having these problems with cavalry,want to make them go away? THEN PAY YOUR DAMN BILLS DUMBASS

Anonymous said...

Anonymous said...
i work for cavarly,

*FIRST INDICATION OF A SCUMBAG

i dont understand the problem you people are having.i just went on a two week vacation, took my kids to disneyland and wouldnt have been able to if i didnt work for cavarly, we are honest people trying to help you resolve your debts.

*REALLY? BECAUSE OF"CAVALRY" HUH? DISNEYLAND? POOR KIDS HAD TO VISIT YOUR OFFICE. WHAT A VACATION. I BET THEY LOVED DUMBO. ISNT THAT YOUR OFFICE MANAGER? OH SORRY! THATS PONOCHIO.

too bad you put them off and now bill collectors

*YOU MEAN BEGGARS?

are calling you. your such good people but YOU NEVER PAY YOUR BILLS, I KNOW THIS FORM YOUR CREDIT REPORT, YES WE READ THEM ALL,

*I BET YOU DO. THATS WHY IDENTITY THEFT IS AT ITS ALL TIME HIGH.

for those of you having these problems with cavalry,want to make them go away? THEN PAY YOUR DAMN BILLS DUMBASS

*I BET YOUR A PROFESSIONAL FINANCIAL ADVISOR? THIS IS A PERFECT EXAMPLE OF WHY PEOPLE WANT TO POKE YOUR EYES OUT. YOU HAVE A PERFECT ECONOMIC LIFE I BET HUH? YOU SELF RIGHTEOUS LYING PILE OF SHIT. AFTERALL WHO ARE YOU JUDGING? YOU'VE BEEN GIVEN AN "ENTRY" LEVEL JOB BECAUSE OF THESE "DUMBASS". KEEP UP THE GOOD WORK! MCDONALDS IS HIGHERING ADVANCED EDUCATED PROFESSIONALS LIKE YOU TO FLIP HAMBURGERS. CONGRATULATIONS ON YOUR MARVELED PATH!

8/19/2006 8:14 AM

Anonymous said...

NOW HIRING: "PROFESSIONAL" BILL COLLECTORS

REALLY? THINK ABOUT THAT FOR A SECOND (THATS ALL IT TAKES). "PROFESSIONAL" UH WHAT?

WHAT KIND OF EDUCATION DO YOU NEED? REALLY!

UH, DA, I'M A BILL COLLECTOR, UH, PAY, YOUR FUCKING BILL SIR, UH, OR I WILL INCARCERATE YO SIR, UH WHATEVER THAT IS. UH, YOUR SS# SIR, UH SO I CAN APPLY FOR CREDIT FOR YOU, UH FOR MY TRIP TO DISNEYLAND. UH, I SENT DAT BILL TO THEM BOSS, THEY TOL ME TO FUCK OFF. SO, UH, I SAID, OK. I TOL THEM THEY OWE IT SIR. THEY UH, ASK FOR ACCT #. I SAY, JUST PAY UR FUCKING BEAL YOU DUMBASS OR I'LL PUT IT ONYER CREDIT. IT'S PAST STATUTE OF LIMITATIONS! UH, SO I NEED BUS FARE TO GET TO WORK TOMORROW. JUST PAY YO DUMBASS.

A "PROFESSIONAL" BILL COLLECTOR? AS IF EDUCATION PLAYS A FACTOR. MORE LIKE "PROFESSIONAL" CON ARTISTS.

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