Debt Defense

Cavalry Portfolio Services Complaints

Businessman Taking Money Out of Piggy Bank. Business Concept Cartoon Illustration.

Cavalry Portfolio Services is a debt collection agency. It usually is hired by a debt buyer called Cavalry SPV I LLC to collect delinquent debt. Cavalry can’t harass you, deceive you, or treat you unfairly. If it does, you may have a claim for damages.

If you think Cavalry Portfolio Services is harassing you or disregarding your rights, contact our debt harassment attorney for help. Please complete our contact form or call 1-800-997-5561 for a free case review.

Why does Cavalry Portfolio Services keep calling me?

"More than half of consumers contacted about debt 'said these contacts included at least one debt ... in error.'"

CFPB Survey (2017).

Cavalry Portfolio Services is a debt collection agency based in Valhalla, New York. Cavalry does not own your debt; it is hired by companies to collect debts on their behalf, either through calls or letters, or by other means.

If Cavalry Portfolio Services is calling you, or if Cavalry is sending you letters, that means it’s trying to collect a debt from you. Cavalry also may appear on your credit report if it is engaged in the collection process. 

Cavalry Portfolio Services usually collects “charged-off” debt for debt buyers. A “debt buyer” is a company that purchases old consumer debt, sometimes for pennies on the dollar. Cavalry SPV I LLC is the primary debt buyer for which Cavalry Portfolio Services collects debts in Pennsylvania. Cavalry collects many types of consumer debt, including credit card debt, personal loan debt, and auto loan debt.

Do people complain about Cavalry Portfolio Services harassment?

Consumers have complain about Cavalry Portfolio Services’ debt collection practices in past years. For example, complaint databases maintained by the CFPB and the BBB show the following:

  • Consumer Financial Protection Bureau (CFPB) Database: shows over 1,600 complaints against Cavalry.
  • Better Business Bureau (BBB) Website: shows hundreds of complaints against Cavalry.

If you have complaints about Cavalry Portfolio Services’ debt collection practices, visit our debt collection harassment page to learn how we can help. Call us at 1-800-997-5561 or complete our contact form.

Does Cavalry Portfolio Services sue?

Close to a third of consumers contacted about debt said debt collectors tried to "collect at least one debt the consumer believed he or she did not owe."

CFPB Survey (2017).

When consumers learn that Cavalry Portfolio Services is a debt collection agency, they often ask if a lawsuit will be filed against them. The answer is maybe, although Cavalry Portfolio Services probably won’t file a lawsuit in its own name.

If you get sued, it likely will be by Cavalry SPV I LLC, which is debt buyer that files thousands of lawsuits each year. We defend and win Cavalry SPV lawsuits. To learn how we win, read this post: Sued by Cavalry SPV I LLC? To learn more about debt buyers generally, read this post: What is a Debt Buyer? If you get sued, visit our debt defense page to learn how our debt defense attorney beats debt collection lawsuits.

How do I get Cavalry Portfolio Services to stop calling me?

A law called the Fair Debt Collection Practices Act (FDCPA) gives you the right to tell Cavalry Portfolio Services to stop calling you. The FDCPA also gives you the right to tell Cavalry when it can call you, or how it can contact you. For general tips on dealing with debt collectors and debt collection calls, read our posts on how to deal with debt collectors and how to deal with debt collection robocalls.

Does Cavalry Portfolio Services have to validate debt?

The FDCPA requires Cavalry Portfolio Services to disclose your right to request debt verification (often called validation) within 5 days of first contact. Cavalry also must disclose that verification request must be written and that debts are assumed valid if a verification letter is not received within 30 days. If you request debt verification, Cavalry must verify your debt or stop collection activity. For general tips on understanding debt collection letters and debt verification, read our post on understanding debt collection letters.

Can I sue Cavalry Portfolio Services?

You can sue debt collectors when they engage in unlawful debt collection practices. Here are common practices that may violate the law:

I. Improper debt collection calls.

  • Repeated, frequent, or persistent phone calls.
  • Contacting third parties, like family, friends, employers, or co-workers.
  • Phone calls at inconvenient times or places, like early in the morning, late at night, or at work.

II. Hollow debt collection threats.

  • Threatening jail time or arrest.
  • Threatening damage to reputation or disclosure of private information.
  • Threatening wage garnishment, seizure of property, or the filing of lawsuits without authority.

III. Other improper debt collection practices.

  • Reporting inaccurate information to credit reporting agencies.
  • Attempting to collect debt that's already paid or not owed at all.
  • Attempting to collect unlawful or unauthorized fees, charges, or costs.

What laws apply to Cavalry Portfolio Services?

There are many federal and Pennsylvania laws that give you legal rights when interacting with Cavalry Portfolio Services. Here are some of them:

  • Fair Debt Collection Practices Act (FDCPA): A federal law that prohibits harassing, deceptive, and unconscionable debt collection practices. It also gives you the right to request debt verification and modify how debt collectors contact you.
  • Fair Credit Extension Uniformity Act (FCEUA): A state law that prohibits many of the same practices made unlawful by the FDCPA.
  • Telephone Consumer Protection Act (TCPA): A federal law that prohibits certain calls to cellphones without consent. The TCPA provides for $500 to $1500 per unlawful call.
  • Unfair Trade Practices and Consumer Protection Law (UTPCPL): A state law that prohibits fraud and deception.
  • Fair Credit Reporting Act (FCRA): A federal law that prohibits reporting inaccurate information to credit reporting agencies. The FCRA also limits how your credit report is used.

If you think Cavalry Portfolio Services broke the law, learn how we can help by visiting our debt collection harassment page. Complete our contact form or call us at 1-800-997-5561.

Can I remove Cavalry Portfolio Services from my credit report?

The Fair Credit Reporting Act (FCRA) allows you to dispute inaccurate or out-dated information on your credit report. Disputed information must be investigated and errors must be corrected or removed. It’s important to understand that the FCRA does not allow you to remove accurate information. Visit our website to learn about your rights under the FCRA, including how to dispute inaccuracies and remove old information.

Cavalry Portfolio Services Harassing You?

If you’re harassed by Cavalry Portfolio Services, please contact us for help. Call 1-800-997-5561 or complete our contact form for a free case review from our debt harassment attorney.

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