these scumbags are telling me, that the primary on my loan has paid his amount to get his name off of the loan.  this is an unfair credit practice!!!!!!!!   I have retained my attorney and we are suing these nasty scumbags for an unfair credit practice.  if anyone has had dealings with these people, cal your attorney and sue them, they are scumbags and scourges of the earth

Calvary Portfolio Services may be a new name for the former Portfolio Recovery Associations and/or is the form to whom Portfolio sells off what it can't collect.  Among other things, this include former Providian credit card accounts (which was sold to WaMu (Washington Mutual), which, of course, is now part of JPMorganChase (ChaseBank being the people behind the Diners Club Card), as well as AT&T and SBC/Yahoo accounts.   ALL of them engage in fraudulent credit granting and collection practices.

They call at least twice a day.  I don't answer.  They leave a message saying "if this is the correct number for (whoever), press 1, if it's the correct number but (whoever) isn't home right now press 2, if (whoever) doesn't live at this number, call this number....(blah, blah, blah)

Obviously, they want me to call to confirm so they can sell my phone number... or something.  If I pick up the phone when it rings, no one is there so they definitely want me to call them.  Annoying!

yeah I still get letters and calls from these people from a sprint pcs bill i stopped paying after the sales person lied to me about having unlimited internet for 10 bucks a month.  This was almost ten years ago and I am pretty sure that calvary has not shown up on my credit report as of 2007.  SO basically anything i get from this is not answered or is thrown out.  I wouldve paid this bill had sprint pcs not been a bunch of dirtbags.

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
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.

File complaints with

Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General

State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

If you or they are located in NY ? use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE?S CRACKING DOWN AND SHUTTING THEM DOWN!

Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies ? report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0

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

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 ? FAIR DEBT COLLECTION PRACTICES ACT
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.

They called my job, very embarassing! I called them from a blocked number and I kept asking to speak with a Manager and they kept refusing. So I just played along with them and said that I am recording this and that you all are mad because I make more then you and you still wont get paid!!

Call my fax line for someone who does not live here.  I have informed them several times that they have the wrong number but they continue to call.  They call 4-5 time in a row several tiems a day tying up my fax line which I use for work.

They called and I answered one day. They told me I have an excellent credit history with them and wanted to know when and how much my next payment would be.  i told them to stop calling me on my cell and now I get calls at my house. :(

I have received calls from this number for longer than two months now.  As other callers have experienced, when I answer, they hang up.  When I'm not here, they leave a message to call back...when I call back the auto operator says I cannot reach this number from this phone.  What's their point?

Calls come 5-7 times a day for unknown person - will not discuss anything except to ask for a person with the same previous number. We told them we don't know the person but they keep calling

Called on Mon at 2:40.  Recording asked me to push 1 if I was intended receiver.  Operator can on the line and asked for the last four digits of my SSN.  I refused.  Asked who was calling.  "Cavalier Portfolio Service."  I said I never heard of them.  He said it was a personal business matter.  I asked why kind of personal business matter.  He would not discuss it until I verified my information.  Refused.  He said he had "all of my information" and would verify it to me.  I said I would not discuss my personal information with a company I had never heard of and had no account with.  He insisted I had an account and they had sent me many letters about it.  I stated that he was being too vague and too creepy.  He said he would call back tomorrow and hung up.  I called the local police to report the call.

Has called me three times in the past seven days.  Every time it's an automated phone service calling my cell phone (which I could have sworn is illegal).  I'm also on the DNC.  I'd talked to these people at one point and they said that a guy with my name owed money to them for phone service at a residence in a city I had never lived in.  My last name is Smith so I said, "What other identifying information do you have"...and the name was all they had...they apologized and said they wouldn't call back, but have continued to do so for over a month.

They have been calling my cell phone for months. It sounded like a recording when I answered. Since it is a cell with limited minutes, I no langer answer, but it is draving me crazy

these scumbags need a cease and desist letter. they're calling for someone that doesn't even live at this number.

called at 10 am on Saturday morning. left an automated voicemail.

I receive calls from 888-716-0100 several times a day.  They hang up if you answer and if you don't answer, they don't leave voicemails. If you call the number back I get a message that says, "We are sorry, you have dialed a number which cannot be reahed from your calling area". Very frustrating!!

this # calls my cell phone several times a day and hangs up.  it is to the point that i am ready to change my #

Agreed.  Must be a new dialer system.

It's "CAVALRY PORTFOLIO SERVICES, LLC" - collection agency that has been calling us for the past month.