Cavalry Portfolio Services are headquartered in Valhalla, New York, with three other offices in Oklahoma, Minnesota, and Arizona. Cavalry is a debt purchaser, meaning that they buy written-off debt from companies for pennies on the dollar. Even if they accumulate a portion of the debt, they still turn a profit.
In March 2016, Cavalry reached a settlement with the state of West Virginia over allegations of phone abuse and harassment, in addition to failing to gain suitable licensing to operate in the nation. The debt collection agency was expected to cease collection efforts on $19.7 million in debt and forever cease contact with close to 3,000 clients.
In 2015, this agency was fined $175,000 from the Arizona Department of Financial Institutions for many different offenses, including refusing to supply consumers with evidence of debt.
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Cavalry Portfolio Services is a legitimate debt collection agency with an extensive history of harassing consumers over debts. They collect for national banks, healthcare industry and utility companies, among thousands of other large and small businesses nationwide.
If you’ve suffered from Cavalry debt harassment, you do have options. Under the law you can recover up to $1,000 for violations of the FDCPA, and $500 to $1,500 for each cell phone robocall.
As of March 2017, the Better Business Bureau reported 265 closed Cavalry Portfolio Services complaints over the previous few decades, such as 106 closed complaints over the past 12 months. The BBB provides Cavalry Portfolio Services an B+ rating. Additionally, Justia lists 43 Cavalry Portfolio Services complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act, one alleging violations of the Fair Credit Reporting Act, and two alleging violations of the Telephone Consumer Protection Act. Moreover, the Consumer Financial Protection Bureau (CFPB) lists 245 closed complaints for 2016.
Cavalry Portfolio Services, LLC
500 Summit Lake Drive, Suite 400
Valhalla, NY 10595
Phone Number: 800-501-0909
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely Cavalry would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Absolutely. Here is a Sample Case Filed in Federal Court
In 2011, a judge in U.S. District Court, Eastern District of Pennsylvania, granted a Customer’s motion to reconsider Cavalry Portfolio Services’ summary judgment in Kimmel v. Cavalry Portfolio Services. The customer alleged that the collector had violated the Fair Debt Collection Practices Act as it tried to collect a debt it had bought from Bank of America. The customer said that he did not get a written notice of his right to dispute the debt or request approval of the debt within five days of being contacted. The debt collection agency contended that the cash it was attempting collect did not fulfill the definition of a “debt” under the FDCPA, and so an FDCPA action could not be pursued.
The judge declared that Cavalry had confessed it was a debt collector under the FDCPA, which Cavalry’s argument that the “debt” could mean any debt instead of a consumer debt as defined by the FDCPA — was not convincing. The court vacated its earlier summary judgment, granted summary judgment in certain FDCPA claims, and allowed the case to move forward.
Press Releases of Lawsuits Brought On By Lemberg Law Against Cavalry Portfolio Services, LLC
October 5, 2015. On behalf of our client, Lemberg Law recently filed a complaint in U.S. District Court, Southern District of New York. The case, against Cavalry Portfolio Services, charges the debt collection agency with violating federal law and asks for between $500 and $1,500 per robocall in statutory relief, plus other relief.
Robocalls are annoying, frustrating, and sometimes they’re against the law. Our client says that this debt harasser robocalled her cell phone. She thinks she was getting robocalls because, when she answered the calls from Cavalry Portfolio Services, she heard silence before hearing a beep. Our client says that she never gave Cavalry Portfolio Services her cell phone number and never gave them permission to call her cell phone.
The lawsuit alleges that Cavalry Portfolio Services violated the Telephone Consumer Protection Act (TCPA) by calling our client’s cell phone without her express consent using an automatic telephone dialing system or a predictive dialer.
March 18, 2014. In a class action complaint, Lemberg & Associates is representing Cory Horton, who is suing Cavalry Portfolio Services, LLC, for alleged violations of the federal Telephone Consumer Protection Act. The complaint alleges that Cavalry Portfolio Services negligently, knowingly, and/or willfully placed calls to Mr. Horton’s cell phone, thus violating the TCPA and invading his privacy.
The complaint alleges that Mr. Horton received autodialed cell phone calls from this agency in an attempt to collect on a debt allegedly owed by Mr. Horton. When Mr. Horton answered the calls, he often heard a prerecorded message. He had never given his cell phone number to the creditor or to Cavalry, and did not provide his express consent to robocall his cell phone.
The class of people being represented are those who, between February 2009 and February 2013, received a cell phone call from Cavalry Portfolio Services that was placed using an automated telephone dialing system and/or by using an artificial or prerecorded voice and who did not provide prior express consent for such calls.
Update: The court granted a joint motion to vacate deadlines and stay the case pending completion of mediation.
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency.
Consumers have reported this agency harassing them from the following numbers:
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are recieving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
We can make them STOP!✋
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call ? 844-685-9200 NOW.
What Our Clients are Saying
“We’re so impressed with the way the lawyer listened to us and knew that the place we were in. Thank you for stopping the calls. The check was a wonderful bonus, but mostly we are glad we are not being hounded anymore.”
“I received outstanding professionalism from the own staff. I had a horrible experience when trying to solve a debt. 1 debt collector associate said she would speak to the prosecutor’s office and another representative told me that when I called the office back he would call the police and have me arrested. I had been insulted, mocked, and threatened, and feared that the police would appear at my door any moment.”
“I never thought I’d finally be free of the nonstop phone calls and letters in the mail, but I finally am free. You went to work straight away, and I saw results fairly quickly. I felt like you really cared about getting me the relief I longed for. I can not thank you enough”
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