Cavalry Portfolio Services: Aggressive Tactics and Numerous Consumer Complaints

Cavalry Portfolio Services is a debt collection agency that has received numerous consumer complaints. Here are some of the reasons why:

  1. Aggressive Collection Tactics: Cavalry Portfolio Services has been accused of using aggressive and harassing tactics to collect consumer debts. These tactics include calling consumers multiple times daily, calling them at work, and threatening legal action.
  2. Lack of Verification: Cavalry Portfolio Services has also been accused of failing to verify debts before attempting to collect them. This means they may be attempting to collect debts not owed by the consumer.
  3. Violation of Consumer Rights: Cavalry Portfolio Services has been accused of violating the Fair Debt Collection Practices Act (FDCPA), a federal law protecting consumers from abusive debt collection practices. Some of the violations that have been reported include calling consumers outside of the allowed hours, failing to verify debts, and using abusive language.

What to Steer Clear From

If Cavalry Portfolio Services contacts you, there are some things that you should steer clear of:

  1. Don’t Ignore Them: Ignoring debt collectors will not make them go away. It is essential to respond to their calls or letters in a timely manner.
  2. Don’t Give Out Personal Information: You should never give out personal information, such as your social security number or bank account information, to a debt collector unless you have verified that they are legitimate.
  3. Don’t Agree to Pay Without Verification: Before agreeing to pay a debt, you should ask for verification of the debt. This can include a copy of the original creditor’s bill or a statement from the debt collector.

What to Do if They Violate Your Rights

If Cavalry Portfolio Services violates your rights under the FDCPA, there are several steps that you can take:

  1. File a Complaint: You can file a complaint with the Consumer Financial Protection Bureau (CFPB) or the Federal Trade Commission (FTC). These agencies will investigate your complaint and take action if necessary.
  2. Contact an Attorney: You should contact an attorney specializing in consumer protection law. They can help you understand your rights and take legal action if necessary.
  3. Keep Records: It is essential to keep records of all communication with Cavalry Portfolio Services, including phone calls and letters. This can help you prove any violations of the FDCPA.

Knowing Your Rights Against Cavalry Portfolio Services

As a consumer, you have certain rights when dealing with debt collectors like Cavalry Portfolio Services. These rights include:

  1. The Right to Verification: You can request verification of any debt that a debt collector attempts to collect from you.
  2. The Right to Dispute: You have the right to dispute any debt you believe is invalid.
  3. The Right to Stop Communication: You can request that a debt collector stop contacting you. However, this will not make the debt go away.

In conclusion, if Cavalry Portfolio Services contacts you, it is essential to know your rights and the tactics they may use. You can protect yourself from abusive debt collection practices by staying informed and taking necessary action.


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