Cavalry Recoveries LLC Consumer Comments

January 2010 6400 Main St, Williamsville The Williamsville office is the newest addition to the corrupt Cavalry network. This office is run by two washed up ex-NAFS flunkies Terry Meder and Kurt Roberts. Mr. Meder nonsensical management style is based on his mood that day. His rash decisions are perplexing and are detrimental to the very existence of the office. With over 350% attrition rates the ownership should look know further then the management. If that doesn't paint a picture, conduct surveys with all ex-employees and the real truth will be known. How can you be compliant if you can even keep a stable staff.

September 2009 CAVALRY SCAM OR DESPERATION?

Is Cavalry SPV I, LLC as Assignee of MBNA, on credit card accounts they purchased that may be out of statute pursuing you?

Daren Eccles claims to be a Legal Administrator working for Cavalry Portfolio Services, LLC doing recovery for Cavalry SPV I, LLC and of Cavalry Portfolio Services, LLC. Daren’s job is to fill out those papers where they swear under penalty of perjury to the truthfulness of their lies.

Daren Eccles appears to be another one of those clairvoyant liars who can attest to facts that he reads from a computer screen, then swear under oath that what he read is true and correct. Daren surely is aware that lying on a court document is perjury and perjury can mean jail time in most cases.

Darren’s ability to swear to lies under oath is only the tip of the Cavalry problem and here why:
In their filings, Cavalry appears to be using the same old worn out, agreement that was copied thousands of times by Mann Bracken and others on MBNA accounts used in bogus Arbitration claims through the National Arbitration Forum.

The problem is that in August, the NAF imploded after the MN Attorney General found out that they were 40% owned by Mann Bracken, America’s most notorious debt collectors.

Here comes Cavalry, trying to pick the last remaining morsels of dead meat from the carcasses of these decaying debts. They hire Daren Eccles, tell him to dummy up a bunch of phony affidavits, and then hire some lawyers who appear so desperate for income, that they file lawsuits, in courts, on debts that just two months ago, could only be handled by Arbitration.

Why would Cavalry, under a slew of names they use, become so desperate that they are now filing lawsuits on debts where the very paperwork they included in the court filings mandate that an arbitration claim be filed?

Is Daren Eccles naïve enough to become a convicted felon for lying on official court documents?

If you have trouble trying to read the blurred copy of the “Contract included by Cavalry (whatever) it’s probably because it was copied several hundred thousand times by other collectors. Here is what the may have hoped you missed:

Litigation
The Arbitration provisions below apply to you unless you were given the opportunity to reject the Arbitration provisions and you did so reject hem. In which case you agree that any litigation brought by you against us regarding this account or the Agreement shall be brought in a court in the State of Delaware.
Arbitration: Any claim or dispute (“Claim”) by either you or us against the other, or against the employees, agents, assigns of the other arising from or relating in any way to this Agreement or any prior Agreement or your account (whether under a prior Agreement whether under a statute in contract, tort, or otherwise and whether for money damages, penalties or declaratory or equitable relief, including Claims regarding the applicability of this Arbitration Section or the validity of the entire Agreement or any prior Agreement shall be resolved by binding Arbitration.

The Arbitration shall be conducted by the National Arbitration Forum (NAF), under the Code of Procedures in effect at the time the Claim is filed. Rules and format of the National Arbitration Forum may be obtained and Claims may be filed at any National Arbitration Forum office www.arb-forum.com or P.O. Box 50191, Minneapolis, MN 55405, telephone 1-800-474-2371. If the NAF is unable or unwilling to act as arbitrator, we may substitute another nationally recognized, independent arbitration organization that uses a similar code of procedure.

Only an attorney licensed to practice law in your state can answer these questions, so if you are being pursued or sued by Cavalry under whatever name they use, get legal advice before you do anything. We are having difficulty trying to figure out if Cavalry is involved in a scam or just plain desperate. Contact us immediately so we can refer you to a local consumer law professional. Do not be victimized by a bottom feeder junk debt collector who appears to be so desperate that the law and consumer rights lag far behind their ability to attempt to take your hard-earned money.

Notice: This is an attempt to make a debt collector obey the law. Information obtained may be used for that purpose.

July 2009 Cavalry Portfolio Services purchased an account from Ford Motor Credit on a vehicle that was repossessed in 2002. When I inquired about having them remove the account if I paid, the Cavalry Portfolio debt collector told me that they don't do that, would only update it as paid. The statute in my state is four years, am I correct in surmising that paying them is a bad idea?

You are 100% correct. Cavalry purchases old defaulted car loans from Ford, Mitsubishi and others for pennies on the dollar. In my opinion, you would be smarter and better off financially to wait until the seven year clock is up so the debt falls off your credit files. You will gain nothing from paying Cavalry. The only good that comes from sending them money is a commission for the debt collector and more money for Cavalry owner Alfred J. Brothers to keep up his lavish lifestyle. Brothers and spouse Hillary live in a 7,600+ square foot home (worth approx $500,000.00) with a 500 square foot pool on the Camelback Golf Course, in Paradise Valley, AZ. Their ability to sustain such grandiose surroundings is due mainly to the money they take from consumers who pay these bottom feeders. Does this remind you of anyone seen on the news lately? Consumers dealing with junk debt collectors such as Cavalry should realize that they are not creditors, the debts were purchased which does not automatically guarantee that they should be paid, or are entitled to be paid. However, just as the scams of Wall Street have put millions into the pockets of a few, bottom feeders will continue to take money on purchased debts so that company owners can live a life of luxury. This sick and disgusting process will continue until the laws are changed so that the Alfred J. Brothers of this world are not afforded the free ride that they have become accustomed to, at the expense of the American consumer.

June 2009 I Live in Arizona and today I received a call from the following number; 602-639-4779…I called back, thinking it was a business call I had been waiting for…Here’s the complaint I wrote online and a list I’m sending your concerning all the number’s this collection agency uses. One party researched and found it is CALVARY PORTFOLIO…I don’t have anything in collections, the only item I had is way past the SOL and dropped from my credit record! I’m in the process of buying a home and I don’t need this now!!! How I wrote my complaint up on line:

I received a call from 602 639-4779 on my cell which, is on the do not call list. A young girl answers, no name given, and quickly transfers the call before you can get a word out...It sounds like an automatic voice recording set up to transfer the call...Then you set on the phone for a long time and it cuts you off. Three attempts and could not get a business name or answer on the transfer.... Caller ID: 602-639-4779

Links for you to look at: http://800notes.com/AreaCode.aspx/1-602/3

April 2009 Cavalry Portfolio Services uses some illegal techniques. Such as telling people that they're giving a person one last opportunity to pay their bill or they'll proceed accordingly. Also if somebody defaults on a payment they'll state that it is illegal to bounce a check over state lines. If a credit card payment is maxed out they'll claim fraud. When they put you on hold they're getting another collector who'll act as a manager. They're just another collector not a manager. Rarely do they ever follow the low with the mini-miranda for Texans.

March 2009 This Company was hit with a Class Action in the United States District Court for the Northern District of Illinois on August 22, 2007 (07-cv-04745, Martin, et. al. v. Cavalry Portfolio Services, LLC, et. al.) but stopped filing lawsuits against consumers for over six (6) months) in the Circuit Court of Cook County, IL on June 20, 2008 after being countersued on June 16, 2008 for violations of the Racketeer Influenced and Corrupt Organizations Act. It may be that the Company caught a slight case of Consciousness of Guilt.

March 2009 BEWARE THE LETTERS THEY SEND ARE DATED WEEKS EARLIER, THIS MAY BE AN OVERSIGHT OR A SCAM! They are collecting for bottom feeder CAVALRY PORTFOLIO SERVICES. Vision Financial Corp. Stewart W. Dauman, President 4 W Red Oak Ln, Suite 302 White Plains, NY 10604-3603 Phone:914-220-0800 866-761-3762 Fax: 914-417-6333 (Offices in Phx-home of Cavalry)

March 2009 Update after a couple days I went back to my credit report and did another dispute, Low and behold in 24hrs. flat I got a update from the credit bureau that it had been deleted...You have stay on top of these Scumbags.

March 2009 Cavalry sent me a letter about a AT&T bill from 2002 that AT&T does not even know about. They even put it on my credit report. Sent a V of D letter. They sent me another letter today saying that my Account had been closed. Funny how can you close something that never was real to begin with. As of today they still have not removed the information from my credit report.

February 2009 This collection agency filed a lawsuit against me. However, they were unable to prove in court that they actually owned the debt that they were filing the lawsuit for, so the case was dismissed.

February 2009 Reports wrong info to credit bureaus, keeps re-aging account to keep current and once they find your phone number they call relentlessly and are rude and obnoxious.

February 2009 THIS IS HOW MY CREDIT REPORT LOOKS LIKE SINCE CAVALRY BOUGHT THIS DEBT (A CAR I CO-SIGNED): Original Creditor: GMAC LLC Status: Collection account. $6,433 past due as of Jan 2009.
Date Opened:12/2007, Date of Status:02/2008, Reported Since: 02/2008, Last Reported Date:01/2009 - Account History: Collection as of Oct 2008 to Jan 2009, Feb 2008 to Aug 2008.

Cavalry and GAMC appear on my report as 2 different delinquent debts when is the same account. Cavalry illegally re-ages this account to keep it current when in fact GAMC reports it as follows: Status: Transferred, closed/Account charged off. $6,999 written off. Date Opened: 08/2003 Date of Status: 04/2005 Reported Since: 01/2001 Last Reported Date: 04/2005

Account History: Charge Off as of Dec 2004 to Feb 2005 90 days as of Sep 2004, Dec 2002 60 days as of Nov 2004, Aug 2004, May 2004, Nov 2002, Oct 2002 30 days as of Oct 2004, Jul 2004, Jun 2004, Apr 2004, Mar 2004, Feb 2003, Sep 2002, Jul 2002

January 2009 This company has called me before 8:00 am, after 9:00 pm, Sundays, holidays, etc. for 9 years. I was hit by an uninsured driver in 2001. I was injured and my auto was destroyed. My insurance paid 17,000 with a balance of 900 due. Ford Motor Credit agreed to wait for the balance but reneged, wrote me off and soon sent me to a collection agency. This has

September 2008 These boneheads have called my business line numerous times with the last being on Thursday Sept. 4, 2008 @ 1800hrs. I asked the person on the line who they were, he mumbled his name, I asked the name of the company in which he said rapidly, as Cavalry. I asked if they were a collection agency and he said no. So...I looked up there number and voila.. they're on Bud's site. Should have known. lol. Well...called their Al Brothers and spoke to him about taking our business number out of their databases, he said he couldn't but that he'd transfer me to Gino Archer who could do it. Well, Gino's on vacation thru the 14th per his voice mail and to contact Ben Cintron(sp) for any problems @ extension 13431, which I did and got voice mail.

Well...enough of that. I sent them cease comm and remove telephone numbers via fax to all 4 of their locations. I hope they take our number out. I'm tired of their calls interrupting our business.

June 2008 My husband had a vehicle repossessed in 1997 or 1998. After that, he was contacted once by the company he had financed the vehicle through.

In December of 2004 we started getting letters from Calvary Portfolio Services and phone calls (name/number unavailable). Today one of their reps called. When I said that the debt was uncollectible per the Fair Debt Collection Practice Act I was told there was no such thing! I also told him that the debt is considered uncollectible or dead after five years. He again said there was no such law.

I talked to an attorney on the phone when one of our local T.V. stations had a "Talk to an Attorney" things on their news cast. I was told that for $50.00 an atty could send Calvary a letter stating that the debt was uncollectible.

I have heard that this agency is a scam. I believe the amount owed on the vehicle at the time of repossession was around $5,000. Calvary is expecting to collect over $17,000!!!!! What a joke!

June 2008 Complaint filed online with the Texas State Attorney General, 5-30-08 (This is the "description" part only, which is the last portion of the official complaint form):

Received an official "attempt to collect a debt" from Cavalry Portfolio Services LLC. The Original Institution named is Sprint PC. The balance due is $161.44. THIS IS FALSE. THIS IS TOTALLY INVENTED. I absolutely did not leave a balance due with Sprint thirteen years ago when I had a Sprint account. Please understand: I am not trying to deny a debt that I may possibly owe but have forgotten about -- THIS COMPANY COMPLETELY MADE UP THIS NUMBER. They somehow got my name from a list and then used their ingenuity to pull a nice, conservative number from out of the sky, printed it up as a legally-conforming debt collection notice, and then mailed it to me, crossing their fingers that I might send them enough money to at least cover the postage and the time it took to make it all look legitimate. It is fraud and it is a scam, pure and simple. I went to the Internet to research this company and was shocked to find reports by little old ladies who can't remember any outstanding bills and are on the verge of heart attacks worrying about how to pay this debt in order to avoid being sent to the Bastille, and all because this company, Cavalry, sent them a debt collection notice for an imaginary, fraudulent amount due. If the Texas State Attorney performs a similar Internet search, I recommend that it search using the phone number and address instead of the company name. I was surprised to receive one of these letters myself. It could be that anyone who has ever owned a mobile phone within the past two decades may be hearing from Cavalry. This company must be denied the privilege of practicing their deceitful tactics in Texas.

[ps to the reader: I mailed a copy of this official complaint to Cavalry along with their remittance coupon, but minus my new phone numbers]

I have already paid this account to the original creditor (bank of America) yet Calvary refuses to remove and when I disputed it they verified it. How did they verify a debt that no longer exists? I called them numerous times and they give me the run around I am now being told that the account is with the legal dept and that they are pursuing legal action! These people are jokes and I look forward to getting them in court and would even like to preempt it by suing them first any and all assistance that you could provide in this issue are greatly appreciated. I have even spoken with spoken with the bank and they are trying to help me sort it out and are prepared to do whatever it takes to help. Do I have grounds for a good case here?

2007 In July, 2003, I got a Sprint phone. Ten days later, I had my lawyer write them a letter disputing the contract for various reasons. They never replied. After 30 days, the lawyer said the contract was null and void because Sprint failed to reply to my dispute. That was August 2003.

In January, 2006 Calvary wrote to me saying they had "acquired" the (void) contract and offered me to settle for a big discount. I sent them a dispute letter within 30 days, and never heard back. But they continued to send me bills. I ignored them.

In September, I applied for a car loan and was denied because of "excessive delinquencies" and "seriously delinquent open accounts". This was weird because I had *NO* open accounts or delinquencies -- not for 3 years. I got my credit report and found Calvary had posted to the bureaus in August claiming this was an open account, seriously delinquent, and was opened in Dec. 2005! Imagine that.

I disputed with the credit bureaus, and wrote Calvary a second letter requesting verification. Both were sent
certified return receipt. Again, I heard nothing back. But the bureaus pulled it from my reports long enough for me to
qualify for the loan. But it reappeared in November. I stopped getting "bills" from them after the 2nd dispute,
but they started again in January 2007. I sent them a THIRD dispute letter and demand for validation, also
mentioning that FCRA forbids them from any collection actions or reporting to CRAs until they provide written validation to the consumer, which they have never done. Again, theysimply ignored my request.

It has been 18 months now. Over 2 dozen violations of FCRA and FDCPA. I can't get any lawyers to take the case
without an up-front retainer of several thousand dollars.

Yet Calvary continues to update my credit records every month, and the bureaus report that "subscriber has
verified the report". I just want them to be gone!

2007 Wrote to Bud a year ago when Cavalry Portfolio Services filed a lawsuit; they were represented by Winn & Sims. Bud's advice was to demand documentation. Did so, but they ignored the request and proceeded with the lawsuit. Retained an attorney. In Discovery, all they produced was a "Statement of Account" - from Cavalry, a photocopy of a credit card agreement, and a series of assignments which were too old and were for debt lots from incorrect companies. They appeared in court via a local "rent-a-lawyer', and a trial date was set. On the day of trial, another "rent-a-lawyer" asked for a continuance, because their witness from New York had become ill, and couldn't travel. Continuance was granted, over our attorney's objections. The day before the new trial date, late in the afternoon, they filed to dismiss the case.

My advice, for dealing with any debt collector: ignore phone calls, since they range from unhelpful and unsympathetic to rude and hostile, and you have greater chance of saying something you shouldn't. Don't ignore letters: respond in writing disputing the debt and demanding documentation, and maybe they'll throw in the towel before filing a lawsuit.

2007 CAVALRY PORTFOLIO SERVICES IS ONE BIG JOKE - THEY JUST LOST A BIG LAWSUIT IN REFERENCE TO K. ROBINSON A FORMER EMPLOYEE - THEY HAVE TO PAY $300,000 FOR RACE DISCRIMINATION - THEY JUST DON'T TREAT CONSUMER BAD , THEY ALSO TREAT EMPLOYEES BAD TOO - PLEASE FOLLOW UP ON THIS CASE - I HOPE THE MEDIA HEARS ABOUT THIS --- THIS COMPANY SUCKS

2007 Since 2002, this agency attempted to collect on a 1997 charge off. The statute of limitations ran out in 2001, so I ignored them. In the 2 years after the trade line dropped off my credit reports, Cavalry placed several "hard" inquiries. By then, I had no negative trade lines. However, the large number of inquiries from Cavalry made it appear that I either was desperately shopping around for credit or had a soon-to-be-reported collection account. They had a negative impact on my scores.

Cavalry's representatives could not guarantee that the inquiries could be removed and were not willing to compensate for the credit damage. I filed suit under Federal and California law for violations of FDCPA and FCRA and the similar state laws. Cavalry still refused to settle, so had to send an employee from their Phoenix office to court. Little did they know... I am my employer's designated representative for small claims defense, so can expertly present a case and am intimately familiar with my state's procedural technicalities, which I use to my advantage. I had written up a 2 page annotated brief (small claims judges want to keep things simple) with several exhibits. The judge was visibly impressed by the oral arguments on both sides. However, at the end of the case, Cavalry lost and just paid the judgment. They also closed their file because it was only costing them money.

2007 I have been going through a Debt Consolidation Service and one of the places that has been receiving payments since 2004 is Calvary Portfolio. The original debt for approx $6150.00 was about to be paid off. When Thomas Law Offices (Ann Thomas) comes back saying that we still owe over $7000.00 dollars more in Interest. Funny neither I nor the Consolidation Agency that I have been going through had never heard of this 23.99% Interest Rate. Funny that when I brought up the Attorney Generals Office Ann Thomas was willing to settle. The Consolidation Agency had attempted several times to get hold of this company requesting information on the balance of this debt and they never received a call from them. I even sent a certified letter stating that Wanted to see the original paperwork stating that this account would be incurring Interest @ 23.99%. Then the Consolidation Agency gets a call from Ann Thomas willing to settle. Well I spoke with Ms Thomas and told her that nothing would be settled until I receive the information that I requested in my certified letter. She said that she would get that right out to me. Well we will see. I have also filed a complaint with the Attorney Generals Office.

2007 Got a call from these bottom feeders this morning. They claim to have sent me several letters to a way old address. I just said, "uh huh". Well they have re-aged a 1997 account. The collector told me the DLA was June 1997 and I pulled all three credit reports today which has nothing from these scumbags on it. I argued with the collector and made it known that I know all about re-aging. I told them that they cannot collect the debt nor sue me so why waste their time? The acknowledged they couldn't take legal action. I found out here that the statute
of limitations in Hawaii is 6 years so I reported them to the Consumer Advocate.

The only way to battle these idiots is to be smarter. Arm yourself with knowledge. Literally, take names every time you get a call. Record the calls. Let them know that you know what your rights are. I got stuck on the phone with them because my son answered and he just gave me the phone.

I have worked hard for the past ten years to straighten out my rotten credit and have now built a credit score that is really good. I refuse to let these yellow belly, bottom feeders taint my good credit. This is a great resource as is Google for information on these guys.

I had a dispute (several actually) with Sherman Acquisitions and their many reincarnations. I educated myself and finally got in touch with their President and told him I would sue him personally if he did not take my name out of his database. I faxed over a letter from his office declaring my debt cleared. I have not heard from them in over 6 years now. Whatever you do, do not take crap from these scumbags. They are worse than ambulance chasers!

I recently received a letter from Calvary regarding a car that I co-signed for the now ex-husband. The car was repossessed 3 years ago and the charge off has been reporting on my credit since that time. Apparently, Calvary purchased the debt from Americredit sometime in 2006 and not that want $5.7K on a c/o balance that has grown from $3.6K. Well, instead of going after the ex-husband they came after me first because I have more to lose (my property). The irony of this story is that even if I pay it in less then 30 days, it will be reported to the credit bureau. They insist that by law they must do so.

I owned a vehicle and due to unemployment, it was reposed in 2002. 4 years later, I get a random letter from Cavalry - and without a phone call or anything, they slammed a $6K charge on my report and re-aged the debt. I have paid with 4 years of horrible credit - and I thought I just had 3 more to go. I was very wrong. I get no harassment, but they hit me where it hurts. My credit report is super in everything else. My score dropped 30 points. I do not want to get on the phone with them - they are junk debt buyers and have sent me one letter in 6 months saying that I can pay 90% and be paid in full. Chances are they paid 3 cents on the dollar.

I think it is seriously time in this country to re-examine the role of credit in this country. Almost every adult depends on it – if it’s for shelter, food, clothes, transportation or other things. It has become that necessary – and with the middle class dwindling and being stretched the way it has been in recent years – I find it very scary that this country is run by bankers, and even scarier – that access to such basic needs are being judged by 3 major credit bureaus that all compete for your information (with no neutrality) and sell it to the highest bidder. Our lives should not be so easily traded. Try calling any one of the three agencies – and the response will be slow at best.

Adults have become a SS number and a FICO score – and there is something very unsettling about the fact that our government has been so lax – with the hundreds of thousands of complaints filed for these collection agencies that have become social bottom feeders. I shudder at the thought of another 7 years with this debt, at a time so different than were I was 4 years ago.

This vehicle was a lemon, and unemployment motivated my decision. Isn’t 7 years enough? I asked for validation of the debt to Cavalry – it’s been three weeks and nothing. It just doesn’t end - and they wont contact me even with the letters I have sent. And paying in full is no guarantee they won’t sell the rest of the bill to another agency which will claim that you owe them too. Where are the watchdogs?

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