I would contact the Attorney General and report them for harassment which this most likely falls under according to the fdcpa. High frequency of calls is one violation. Calling you after you request them not to is another violation. Also if you ask for everything in writing and they do not comply that is another violation of the FDCPA. They must validate the debt. Keep good records and record your calls. You may be able to sue, wipe out the debt, and collect damages. Everyone should know the FDCPA if they have any credit or collections issues.

I borrowed a loan from a company seven years ago. I had to let them reposses the car after I lost my job. Prior to that, the payments of $377.95 that I had been making had not even touched the principle (I made 7) because they decided to collect the intrest first. The original agreement was to pay half-and -half. Since they breeched, the loan became a "write-off". A couple of years ago calvary started bothering me, saying that they bought the debt and there was a matter of $3425 that was unpaid. Then they upped it 6mos later to over $10,000, stating that I owed intrest. I ignored them. Then last year, they contacted me for $14,787. After an arguement w/a rude guy on the phone, They sent me a bill fo $7,635. I changed my # and told my collegues at work to say I was no longer there. Now, last month, I got a bill for $10,983 with a 1/2 off offer if I pay that 1/2 immediately with my bank card. What kind of company is this anyway?

[NASCAR_Devil]

They are a collection agency. What state do you live in? Reposessions are generally covered under the UCC SOL of 4 years. The clock starts ticking when the deficiency balance is realized after the vehicle is sold at auction. Sounds like you are well past this.

are they able to collect legally even if a person does have a balance? i live in Maine.

from their web site.....We believe you have the right to work with a professional who is well versed in the numerous options you may exercise in resolving your particular situation. Again, at Cavalry, the CUSTOMER is King! We want to help you. Please call us at 866-434-2996.
http://www.cavalryportfolioservices.com/
perhaps this is the number yall be looking for

I woke up this morning to a garnishment being taken out of my checking account by Calvary. I have gone to court for my debt with this company and am dealing with an attorney. So imagine my suprise when I say $300.00 taken out of my checking account with no notice at all. I haven't talked to this company for over a year, due to the court process. Do they not have to notify a person if they are going to take money out of your personal checking account. Now I am afraid to put money into my account that they will take that out as well. Any suggestions?