calvary portfolio llc-anyone familiar with?

If the debt is within the SOL period, the creditor can sue you and can bring judgment against you to recover the debt. It is neither good news nor a bad news, but I think that you should send a debt validation letter only if you can afford to pay back the debt right now. This is because if they have purchased the debt from the creditor, they may take immediate action to recover the debt once you send a DV letter.

I settled a debt with them last year. They will not sue you and also they will settle your account for almost nothing and let you make payments on the settlement. If you go on their website and put in your account number you will see what they can offer as a settlement

Hi Ginger,
I think that you should get the debt validated and if they are willing to settle the debt for less, you can get the settlement offer in writing and pay them off.

Long story short. I co-signed on car for someone & it back fired on me. I took car away since girlfriend refused to put insurance on car. I then made payments & insurance. One year later, exgirlfriend took car back & got it repo'd, making me po'd. Years later, Calvary wanted money...then did not hear from them for years. Then years later, after interest accumilated over doubling what was originally owed, Calvary sent account to an attorney who served me. I cannot afford to pay for a vehicle (not wanted in first place) bohooo, my tough luck I & exgirlfriend still owe. Why did it take so long to sue me? My theory? Interest was working for Calvary, so years later, I get hit to pay over $25,000 when originally it was $11,000. Why do people call Calvary all sorts of names? Well, that is an example. Times are tough & a company that
makes things worst for people will not succeed for long.

Auto loans in most states are covered under the UCC SOL of 4 years. Has it been that long since the last payment was made?