someone allegedly "used me as a reference" for some type of loan...  and no matter how many times i tell them to stop calling me as i have no way to contact the party they are looking for...  so they call me from a different number the next week and start the whole ordeal over again.  i am now dealing with the 6th number they have called me from.  i just want them to STOP. omg.

The same thing just happened to me today.

I've had almost a three year loan with them n hit a hard ship couple times but very rude! U sign a paper to "roll" a payment n they promise no.late fees tacked on..so untrue!! Double late fee! And they go against what they promise to help u with! They say u have a 7 day grace period before late charges apply.. again false!! U start out with one specific agent n somehow u end up with 15 other ones n none of them are polite! N they act like they don't know anything of what you were working with with the last agent! I have credit statements showing making my payments yet they say nope you haven't paid for three months n yet u say bologna I have proof n then bam it's on ur credit report ur delinquent! Ready to contact bbb as ive seen so many others dealing with the same thing have done to get results!! So fed up ready to throw in the towel n say forget it come get this car I'm done!! My loan was to be paid off 2015 but they have 2017..how???!!!!

I let a friend use my phone to make a payment to these people about a week ago and today they took it upon themselves to start using my number to contact her.  The first call came from a restricted number and the second call which came about 2 hours later was from this number.  The guy left his extension number in the voicemail he left (36480) but when I called him back he did not answer.  I called again and spoke to another representative and politely told her they were harassing me over a debt I do not owe and I want my number removed from their database.  The lady who answered the call was nice and said my number would be removed.  She didn't ask me any questions like they normally do when you tell them they have the wrong number.  They usually want to know if you know the person they're looking for, if you can get in touch with them, etc.  I don't believe she removed my number, but the next person who calls me from this company is going to have a really bad day after I get done with them.    

Letisha acted as if she has never heard of the no call list.  

You are calling the wrong person at that number you have been calling, please do not call me anymore. I would really appreciate it.

They called early one morning asking for a Brenda someone.  I replied they had the wrong #.  She gave me my seven digits and said that she had talked previously to that person from my number.  I assured her there was no one here by the number.  She indicated she would try back later!  I told her to not call back but perhaps check the area code!  A few days later at 6:00 AM they called back and was less friendly and they hung up.

I just googled this number and see that they are some debt collector. Had a voicemail from someone and called the number to see if they have the wrong person cause I don't have any bad debt and no car notes (paid my cars off a year ago). This scares & pisses me off me off cause now I'm afraid I may be dealing with identity theft again.

for sure haha nobody else has had a "wonderful" experience with this hellish debt collector hat buys old debts for $1

They call for an employee that we cannot give personal calls to, they will not stop calling.

very rude.if the same man calls me again i will report him to the bbb no one needs to speak to you like you are nobody

@ Mom that's because you work for them!! lol They call @ my work all the time even though they have been told by my employer to stop they continue my employer is in the process of suing them for big dollars my compant made 5.9 billion last year so they have the money to take care of these losers and the funny thing is the ask for someone who doesn't even work here hahahah what a bunch of dopes!!!!!!

These people are horrible. I am not even two weeks late and they call me at work. They call my contacts I have listed as references. They call my home phone. I am trying to keep my payments current but if I am five minutes late for a payment they call. My account rep isn't terrible, but everyone else just sucks.

This number is a group out of California who deals with buying contracts. It can be for collecting on a debt or an auto loan. In my case it is an auto loan- I love dealing with them, the call you back and they are kind and intelligent on the phone.  Consumer Portfolio for the loans and add the word services for Collections.  I am very, very happy with them. Sorry you had a bad experience, but my experience with them has been wonderful.

a recording is calling the office main number with no name or idea who the call is for and no way to unsubscribe or anything else.

I am with you, I do owe them but they are very rude and do not work with you. Was out of work due to trouble in Japan I went through hell with them..Paying double to pay them off they never do my payments on time so it's ruining my credit too.

This is about CPS (Consumer Portfolio Services Inc). Ran into financial troubles a few years ago and did a car loan with CPS. Been an outstanding customer since 2007, but now ran into financial troubles again after getting hurt at work and losing 2/3 of my normal income. Been trying to work out something with CPS since my loan matures in March 2012, however it's a never ending revolving door when calling or receiving calls from CPS. Today I called the Illinois Office asking for the corporate office's phone number and was given 800-342-9245. I called the number and guess who it was? Illinois office again. LOL If you get behind (even 1 month) on your loan, expect your phone to ring 24/7 sometimes even hanging up on you when you answer. If you want to see the big picture with CPS, go to the homepage after signing in and click on your payment history. Compare the interest payments to your principal payments and you may find that you are paying what loan sharks charge. You would think especially in a recession that a company would be willing to take a couple months of payments you owe and add them to the end of the loan rather than hassle you over and over and over about the 1 payment behind. C'mon CPS, it's a recession out here and you can help those of us that are behind a month or two who are going to settle up when we get back on our feet in a couple months. Quit being b****eads about it and be a reasonable company to do business with please.

Cps are very rude to there customers. the employees act like they are the ones who gave u the loans. that wont let u tell them what u are calling or or even hear u out. rude rude rude wish i would have never got a loan with them

i TOLD THEM LAST YEAR THAT THE PERSON THEY ARE CALLING FOR FOR OBVIOUSLY CHANGED THEIR PHONE NUMBER, THEY CALL EVERY FREAKIN DAY,THEY DON'T TAKE OFF THE LIST, iDIOTS

These idiots call every day. I've called and spoke to them about the person they are trying to reach has changed their number and I just happen to be the unlucky soul that got it. They apologized for the inconvenience.  Happy ending??  No.  They still call every day.  Agency called CPS.

ASKING FOR EMPLOYEE

Consumer Portfolio Services, Inc
19500 Jamboree Road
Irvine, CA 92612
Ph: 949-753-6800

Servicing Branches:

Florida:
2605 Maitland Center Parkway, Suite A
Maitland, FL 32751

Illinois:
2255 Enterprise Drive
Westchester, IL 60154

Virginia:
860 Greenbrier Circle, Tower 1, Ste. 600
Chesapeake, VA 23320

COLLECTION AGENCIES DO NOT WANT YOU TO KNOW THIS INFORMATION!
FROM www.budhibbs.com  A CONSUMER ADVOCATE WEBSITE that specializes in Debt Collections and offers assistance to consumers.  THEY ALSO EXPOSE THE WORST FDCPA VIOLATORS IN THE COUNTRY

Cavalry Portfolio Services, LLC
Junk Debt Buyers, Bottom Feeders, Scavengers
4050 Cotton Ctr Blvd
Phoenix, Arizona 85040
Phone: 602-667-0128
Fax: 602-667-0686
Spanking in Arizona for Illegal Debt Collections
(go to http://www.budhibbs.com/collectorpages/cavalry_recoveries.htm to see court documents
Web Address: www.cavalryinvestments.com

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



CAN THE AVERAGE CONSUMER WIN?  Oh Yeah...
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Bud Says                         Consumer Comments Below

There are not enough names to call this organization. Keep both hands on your wallet and watch your credit reports. These AZ & NY scavengers/bottom feeders/debt collectors will pick you clean and come back for more. Major FDCPA violators. If you are having a problem with them or their debt collectors, let the owners know about it. Contact: Alfred Brothers,

Exec VP  888-473-3581

CAUTION: I recommend you NEVER disclose your bank account or credit card information to a debt collector, as you risk them emptying your account, or maxing out your credit card. If you feel they are reporting on your credit bureau files in error or need assistance in dealing with them, email  the details w/your location.  Assistance and referral to a consumer legal specialist may be available.

Dealing with debt collectors
http://www.budhibbs.com/start.html
Statute of limitations by state ? always double check directly with your own State Government Website
http://www.budhibbs.com/statute_of_limitations.htm
Recording calls from debt collectors ? always double check with your own State Government website
http://www.budhibbs.com/record.htm
From FEDERAL TRADE COMMISSION WEBSITE
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm

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 ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.


Debt Collection FAQs: A Guide for Consumers
If you?re behind in paying your bills, or a creditor?s records mistakenly make it appear that you are, a debt collector may be contacting you.

The Federal Trade Commission (FTC), the nation?s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.

Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.

Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn?t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they?re told (orally or in writing) that you?re not allowed to get calls there.


How can I stop a debt collector from contacting me?

If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter ? even if you don?t think you owe the debt, can?t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don?t want the collector to contact you again, tell the collector ? in writing ? to stop contacting you. Here?s how to do that:

Make a copy of your letter. Send the original by certified mail, and pay for a ?return receipt? so you?ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don?t have an attorney, a collector may contact other people ? but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written ?validation notice? telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don?t think you owe the money.

Can a debt collector keep contacting me if I don?t think I owe any money?
If you send the debt collector a letter stating that you don?t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.


What practices are off limits for debt collectors?

Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:

use threats of violence or harm;
publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
use obscene or profane language; or
repeatedly use the phone to annoy someone.

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:

falsely claim that they are attorneys or government representatives;
falsely claim that you have committed a crime;
falsely represent that they operate or work for a credit reporting company;
misrepresent the amount you owe;
indicate that papers they send you are legal forms if they aren?t; or
indicate that papers they send to you aren?t legal forms if they are.

Debt collectors also are prohibited from saying that:

you will be arrested if you don?t pay your debt;
they?ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
legal action will be taken against you, if doing so would be illegal or if they don?t intend to take the action.

Debt collectors may not:

give false credit information about you to anyone, including a credit reporting company;
send you anything that looks like an official document from a court or government agency if it isn?t; or
use a false company name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:

try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt ? or your state law ? allows the charge;
deposit a post-dated check early;
take or threaten to take your property unless it can be done legally; or
contact you by postcard.

Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don?t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don?t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.

Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don?t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:

Social Security Benefits
Supplemental Security Income (SSI) Benefits
Veterans? Benefits
Civil Service and Federal Retirement and Disability Benefits
Service Members? Pay
Military Annuities and Survivors? Benefits
Student Assistance
Railroad Retirement Benefits
Merchant Seamen Wages
Longshoremen?s and Harbor Workers? Death and Disability Benefits
Foreign Service Retirement and Disability Benefits
Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has 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, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can?t prove that you suffered actual damages. You also can be reimbursed for your attorney?s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector?s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General?s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General?s office can help you determine your rights under your state?s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government?s portal to financial education.

always want some money for the bill that's been paid.even if i'm not late I hope that they help for their cruel action.

Wanted to talk to my son who hasn't lived here for four years - when asked what it was in regards to, said was private matter. Refused to remove from call list.