Updated by Attorney Derek DePetrillo on April 16, 2024
Cavalry Portfolio Services Phone Harassment!
Cavalry Portfolio Services Phone Harassment! Has Cavalry Portfolio Services been calling your phone multiple times in a day? Are you wondering why Calvary Portfolio Services keeps calling you? Calvary Portfolio Services is a debt collector, and they have the responsibility of contacting debtors. Their calls should, however, never result in Calvary Portfolio Services phone harassment.
Cavalry Portfolio Services and Cavalry Investments LLC are both involved in debt collection and are known for contacting consumers regarding unpaid debts.
Unfortunately, being in debt is the reality of millions of people. Due to many reasons, whether it be inevitable life happenings or even poor money management, consumer debt continues to plague people, both old and young. For this reason, creditors who have their money at stake continue to seek ways to get their money back from debtors on time.
However, after making many attempts to recover debts, creditors can decide to hand the debt over to a debt collector like Cavalry portfolio, who now has the job of contacting the debtor. Cavalry Portfolio Services calling or making calls is a common experience for consumers whose debts have been purchased.
Calvary Portfolio Services debt collection is legal. If you have been getting calls from Calvary collections, it may just be that your creditor gave them your delinquent account and asked them to recover the debt from you. However, one thing that is illegal is Calvary Portfolio Services phone harassment or any other form of harassment from them.
If you do not know what Calvary Portfolio Services phone harassment is, it is simply when you are being harassed over the phone by Calvary Portfolio either through constant annoying calls, or through the use of unprofessional, abusive, and intimidating messages. Cavalry Portfolio Services is a legitimate debt collection agency and debt buyer, and they often purchase consumer debt from original creditors.
Cavalry Portfolio Services contacts consumers through various means, and there are common complaints about their practices.
Cavalry portfolio does not have the liberty to treat you unfairly. If they have been doing so, they have been violating your rights and you can do something about that. Call us now to help you put an end to Calvary Portfolio Services debt collection harassment.
Consumers have rights under the FDCPA to protect consumers from abusive practices, and it is important to verify any alleged debt during the initial contact.
Debt buyers like Cavalry Portfolio Services and Cavalry Investments LLC are debt collection companies that must follow laws designed to protect consumer rights.
Debunking common myths about debt collectors
Debunking myths about debt collectors help people understand how the whole debt collection process works better and makes them wiser, and less likely to fall for debt collection scams.
There are quite a number of myths about debt collectors that have gained popularity over the years and are misleading people. A few of them are debunked below.
- A debt collector cannot lie.
This in itself is a lie. Even though the FDCPA prohibits debt collectors from lying to the people they call, some debt collectors still find it difficult to stay on the right side of the law.
A debt collector can lie about many things. Ranging from their identity, the debt amount, and the name of the original creditor.
Sometimes, the calls you may be getting may not even be from actual debt collectors. It may just scammers trying to dupe you.
So, the next time you get a call claiming to be a Calvary Portfolio Services debt collection call, be sure to double-check. Making false statements is a violation of the FDCPA and can be grounds for legal action.
- Ignoring debt collectors is a good idea.
When you ignore debt collectors, it won’t make them stop calling. Plus, they can choose to sue you. Obviously, you do not want this end result, therefore, ignoring a debt collection call is not a good idea. Ignoring debt collection lawsuits or a debt lawsuit can result in a default judgment or court judgment against you, which may lead to wage garnishment and other collection actions.
- Debt collectors can sue you for an old debt.
When a debt has exceeded the statute of limitations, a debt collector can no longer hold you legally over it. However, some debt collectors are dishonest and may change the debt date. This is why you need to keep your own records. State laws determine the time frame for legal action on debts, so it’s important to know your rights based on where you live.
- A cease-and-desist letter is the solution to all your problems.
If you are experiencing Calvary Portfolio Services debt collection harassment, you may really be tempted to send them a cease-and-desist letter to stop them from calling you. This is a great way to make the calls stop. But it doesn’t make your debt go away. Neither does it stop cavalry collections from suing you if they want to.
Matter of fact, sending them a cease-and-desist letter is likely to make them want to sue you faster.
- Debt collectors can arrest you or send you to jail.
Any debt collector who tells you this has lied to you. Owing a debt is not a criminal offense and you can’t go to jail for it.
Is Cavalry Portfolio Services a Scam?
Cavalry Collections is not a scam, but rather, a registered and recognized collection agency. According to the Better Business Bureau website, Cavalry Portfolio Services has been in business for 16 years. There have been 351 complaints filed against CPR with the BBB in the last 3 years alone. In fact, there have been numerous complaints about Cavalry Portfolio Services’ practices, including issues related to how they report debts to credit bureaus and credit reporting agencies, which can negatively affect consumers’ credit reports. Read more about it here Cavalry Portfolio Services Better Business Bureau
Who is Cavalry Portfolio Services?
Cavalry Portfolio Services is a debt collection corporation based in Valhalla, New York. Cavalry is a debt purchaser who collects on debts that they buy for pennies on the dollar. In addition to collecting on debts Cavalry owns, they also collect for national banks, credit card companies, the healthcare industry, utility companies, and thousands of other businesses nationwide. They often purchase delinquent accounts from credit card companies and may also collect on behalf of a credit card company.
Consumers dealing with Cavalry Portfolio Services may consider debt consolidation or debt settlement as options to resolve their debts. Debts collected by Cavalry Portfolio Services may appear on your credit report, so it is important to monitor your credit report for accuracy.
Cavalry portfolio services address
Address: 500 Summit Lake Drive
Valhalla, NY 10595
Phone: (914) 347-3440
Cavalry Portfolio Services Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
914-347-3440, 224-676-7029, 303-280-8689, 888-716-0010, 716-650-6240, 800-861-5065, 800-861-4689, 800-501-0909, 918-665-5600, 800-861-5118, 800-861-4838, (9140 347-3440, (224) 676-7029, (303) 280-8689, (888) 716-0010, (716) 650-6240, (800) 861-5065, (800) 861-4689, (800) 501-0909, (918) 665-5600, (800) 861-5118, (800) 861-4838, 9143473440, 2246767029, 3032808689, 8887160010, 7166506240, 8008615065, 8008614689, 8005010909, 9186655600, 8008615118, 8008614838, 800-861-4840,
If the answer is yes, then you are receiving calls from a known Cavalry Portfolio Services phone number. You may be a victim of CPS phone harassment. You shouldn’t have to endure any form of harassment over these calls. Call our office immediately for assistance.
The following is a sample list of complaints filed against Cavalry Portfolio Services in the past year and can be found on Pacer.org.
5:18-cv-01055-F Rupert v. Cavalry SPV I LLC et al
2:18-cv-00531-JPH-DLP COX v. CAVALRY PORTFOLIO SERVICES, LLC
1:18-cv-10314-VSB Uulu v. Cavalry Portfolio Services, LLC et al
2:17-cv-02312-MF DIEUVEILLE v. CAVALRY SPV I, LLC. et al
1:18-cv-00367-KD-C Walker v. Cavalry Portfolio Services, LLC et al
Old Debt and Statute of Limitations: What You Need to Know
When you’re dealing with debt collection agencies like Cavalry Portfolio Services, understanding the statute of limitations on old debt is absolutely essential. The statute of limitations is a legal time frame that determines how long a debt collector or collection agency has to file a lawsuit against you for an unpaid debt. This period varies depending on your state and the type of debt, but it typically ranges from three to ten years.
If your debt is past this statute of limitations, Cavalry Portfolio Services—or any other debt collector—cannot legally take you to court to force payment. However, that doesn’t always stop collection agencies from trying to collect. You may still receive phone calls, letters, or other collection efforts, even if the debt is considered “time-barred.” It’s important to know that while you may still be contacted, you are not legally required to pay a debt that is beyond the statute of limitations.
Debt collection companies like Cavalry Portfolio Services often buy old debts from original creditors at a discounted rate, hoping to collect the full amount from consumers. But if the debt is too old, it’s classified as “time-barred,” and the debt collector’s legal options are limited. Unfortunately, some debt collectors may use aggressive tactics or make false statements to pressure you into paying, even when they have no legal right to sue.
To protect yourself from abusive debt collection practices, always verify the debt amount and the collector’s right to collect. You have the right to request a debt validation letter, which should include details about the original creditor, the debt amount, and the date of your last payment. This step is crucial in making sure you’re not being targeted for a debt you don’t owe or one that’s too old to be enforced.
If you’re experiencing debt collection harassment from Cavalry Portfolio Services or any other debt collection agency, don’t ignore it. Take appropriate steps to protect yourself—this might include consulting a debt defense attorney or a law firm that specializes in fair debt collection practices. These professionals can help you understand your rights, respond to collection calls, and prevent further complications.
Remember, as a consumer, you are protected by laws that regulate how debt collectors can interact with you. Don’t let aggressive tactics or misleading information from Cavalry Portfolio Services or other collection agencies intimidate you. Stand up for your rights, and seek immediate assistance if you’re facing debt collection harassment. Understanding the statute of limitations and your legal protections is the first step toward taking control of your financial situation and stopping unwanted collection calls for good.
About Us
is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to stop the Cavalry Portfolio Services debt collection harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent harassment from Cavalry Portfolio Services call us at (877)700-5790 for immediate assistance or visit our website at www.consumerlawfirmcenter.com
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