Experience dealing with Cavalry?

HI Guest! I haven't dealt with them but I'm sure someone will be along that has or has heard something about them. I'm responding to push this thread back up to the top so maybe someone will see it. :D

Are yu talking about Calvary Portfolio? They are junk debt buyers. They tried to collect on a Sprint cell phone bill that was paid in full in 2003. I disputed it with the credit bureaus and got it removed. I send them proof of the paid in full receipt from Sprint. Thank god for confirmation numbers.

Guest,

Check their profile with BBB website. They are holding unsatisfactory record. There is nothing to get worried anyway. Deal them legally as you have mentioned in your post.

They do not validate debt at all. If you receive a package from them, do not fill it out. Their dispute package is a farce. They want your employers phone number, relative phone numbers, social security number, bank acct info. This is all personal info and they have no right to it IMO.

Cavalry are scum, and junk debt buyers. Never give them any info at all. They report the "debt" on credit reports even before they send you the first demand letter sometimes (which is illegal). Find out the statute of limitaions for your state, and if the "debt" is out of statute, send Cavalry a cease communications letter (return receipt). I would suggest sending this anyway. They rarely sue, because they are chasing a fast buck, contacting people who are "horrified" by being contacted by a collection agency and quickly pay up.

if your talking about calvary portfolio. i have noticed that they check my credit report once a month to follow up on me about an old mobile credit card i had with my father over 10 years ago.

Actualy they can report it on your credit report before you recieve the initial demand as long as their systems indicate a letter has been sent. And it is legal.

Yes FYI, and this is usually what Cavalry does. They put it on your credit report right away. Cavalry usually deals with a lot of boggus Sprint and MCI accounts as well. They used to send out demand letters that had "pay now and save 50%" on them in the form of a coupon LOL. This might be for a debt that someone doesn't even owe, but if small, will pay anyway to get the agency off their back.

Watch out with these guys, I just got off the phone with them and they were rude rude rude :twisted: :evil: .. the funny thing is, that I had already paid the bill and was just asking for a conformation letter stating that the bill was paid. The lady on the phone started getting loud saying that I was interupting her while she was trying to explain that the bill was paid last month in february Now, I'm not a math major, but I can count back one month from now, and I guarantee is not february. so she is resending the letter to the correct address and I have desputed the bill with the credit bureaus and hopefully it will get updated.