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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