Cavalry Portfolio Services contacts consumers about debts they may not recognize. Cavalry purchased the account from the original lender, often years after it was charged off. BBB and CFPB records contain consumer allegations of credit entries appearing before any written validation notice arrived. Court filings also allege Cavalry used robo-notarized affidavits in collection lawsuits. If Cavalry has called or written to you, contact +1-844-638-1122 for a free case review.
Key Takeaways
- Cavalry Portfolio Services, LLC is a debt buyer founded in 2002 and headquartered in Greenwich, CT; it operates under parent company Cavalry Investments, LLC and also appears as Cavalry SPV I, LLC.
- Federal class actions allege Cavalry used robo-notarized affidavits, sent misleading settlement deadlines, and threatened legal action it allegedly had no intent to pursue.
- Consumers have filed thousands of complaints with the CFPB and BBB, reportedly citing inaccurate credit reporting and attempts to collect debts already paid or owed by someone else.
- The FDCPA requires Cavalry to send a written validation notice within five days of first contact; a missing or defective notice may support a federal claim.
- FDCPA violations can result in up to $1,000 in statutory damages; TCPA violations can result in $500 to $1,500 per call.
- The Wood Firm PLLC handles these cases on contingency: no upfront fees. If Cavalry violated federal law, they pay our fees.
Free Case Review: +1-844-638-1122
Who Is Cavalry Portfolio Services
Cavalry Portfolio Services, LLC is a major U.S. debt buyer founded in 2002. The company purchases delinquent, charged-off accounts from original lenders like Citi, Chase, and Capital One. It then pursues consumers for the full balance plus interest and penalties.
Its parent company is Cavalry Investments, LLC. The company frequently operates under the name Cavalry SPV I, LLC on court filings and collection notices. Cavalry collects unsecured consumer debt: credit cards, auto loans, personal loans, and telecom accounts.
The company holds BBB Accredited Business status with an A rating. Consumer reviews on BBB profiles average 1 out of 5 stars across multiple state listings. In our practice, we pull chain-of-title documentation immediately when we open a Cavalry file. Assignment records from the original creditor to Cavalry SPV I, LLC are frequently incomplete.
- Also Known As: Cavalry SPV I, LLC; Cavalry SPV II, LLC; Cavalry Investments, LLC
- Headquarters: Greenwich, Connecticut
- Additional Offices: Valhalla, NY; Phoenix, AZ; Tulsa, OK
- Phone: 800-501-0909 | (800) 501-0909 | +1-800-501-0909 | 8005010909
- Website: cavalryportfolioservices.com
- BBB Profile: Cavalry Portfolio Services BBB listing
- Debt Types: Credit cards, auto loans, personal loans, telecom accounts
Cavalry Portfolio Services Phone Numbers Reported by Consumers
Cavalry Portfolio Services uses multiple outbound numbers. Consumers have reported calls from numbers that do not match the company’s published contact lines. If any of the following numbers appeared on your caller ID, the call likely came from Cavalry. Their affiliated law firms sometimes use separate outbound lines.
Numbers reported in consumer complaints and BBB filings:
- 800-501-0909 | (800) 501-0909 | +1-800-501-0909 | 8005010909
- 866-483-5139 | (866) 483-5139 | +1-866-483-5139 | 8664835139
- 914-347-3520 | (914) 347-3520 | +1-914-347-3520 | 9143473520
Consumers have reported these numbers to the CFPB and BBB as spoofed or routed through local-area prefixes. If a number keeps appearing, search it before calling back.
Why Is Cavalry Portfolio Services Calling You
Cavalry Portfolio Services is calling you because it purchased your account from the original creditor. That account was charged off as uncollectable, and Cavalry acquired it at a fraction of its face value. Cavalry earns a profit by collecting more than it paid for the portfolio.
The debt may have changed hands more than once before reaching Cavalry. That is why consumers frequently do not recognize the company name on the caller ID. Common account types include credit cards from Citi, Chase, or Capital One; telecom accounts; and auto deficiency balances.
Cavalry’s resolution specialists offer lump-sum settlements and payment plans. Debts reportedly settle for 10% to 60% of the original balance. Account age and pending lawsuits both affect the final figure. If no written validation notice arrives within five days of first contact, take note. That gap may constitute an FDCPA violation.
Has Cavalry Portfolio Services Been Sued
Yes. Cavalry Portfolio Services has faced multiple federal class actions alleging FDCPA and TCPA violations. The cases below cite publicly available court filings.
- FDCPA Class Action v. Cavalry SPV I, LLC: Plaintiffs alleged that Cavalry filed collection lawsuits using falsely verified documents and robo-notarized affidavits to avoid proving debt ownership.
- Ehrnfeld v. Cavalry Portfolio Services: plaintiffs alleged collection notices showed an “Outstanding Balance” without disclosing whether accruing interest or fees would increase the amount owed.
- Kapchits v. Cavalry Portfolio Services: similar allegations regarding balance disclosure failures in written collection notices.
- Giuliano v. Cavalry Portfolio Services, LLC et al: Plaintiffs alleged that Cavalry sent letters threatening to forward files to local law firms within 30 days when it allegedly had no intention of doing so.
- Ottmann v. Cavalry Portfolio Services: plaintiffs alleged collection notices contained language that “overshadowed” FDCPA dispute rights by implying consumers could invoke them orally rather than in writing.
- Johnson v. Cavalry Portfolio Services: complaint alleged letters failed to clearly identify the original creditor or the party to whom payment was owed.
- Robocall Class Action v. Cavalry Portfolio Services: plaintiffs alleged Cavalry used an automatic telephone dialing system to contact consumers without prior express consent, in alleged violation of the TCPA.
We examine the full text of every Cavalry notice for balance-disclosure failures and dispute-rights language. The Ehrnfeld and Kapchits cases show how a technically formatted letter can still violate the FDCPA. If the consumer cannot tell whether the balance is fixed or growing, that ambiguity may support a claim.
Is Cavalry Portfolio Services a Scam
Cavalry Portfolio Services is a real, licensed debt collection agency. Licensed does not mean every tactic is legal. The company holds BBB Accredited Business status and has operated nationally since 2002. It is not an impersonation scheme.
Court filings allege Cavalry used robo-notarized affidavits in collection lawsuits and sent letters with false settlement deadlines. The company also allegedly threatened legal action it did not intend to take.
The 2008 Arizona Department of Financial Institutions investigated Cavalry and issued a state fine. The investigation found Cavalry allegedly failed to investigate consumer disputes and identity theft claims properly.
In our practice, when consumers bring us Cavalry collection notices, we look specifically at creditor identification language. Class action filings allege Cavalry abbreviated creditor names, using “WF, Inc.” rather than the full original creditor name. That omission obscures the chain of title. The consumer then cannot verify whether the debt is legitimate.
Is Cavalry Portfolio Services Banned by the FTC
No. The FTC has not banned Cavalry Portfolio Services. The company continues to operate as a licensed debt buyer across the United States.
Cavalry has faced state-level regulatory enforcement, however. In 2016, Cavalry settled with the West Virginia Attorney General. The allegations included operating without a proper state license and using abusive collection tactics. In 2008, the Arizona Department of Financial Institutions investigated and fined Cavalry. The agency allegedly failed to properly investigate consumer disputes and identity theft claims.
The absence of an FTC ban does not limit available consumer remedies. FDCPA violations carry up to $1,000 in statutory damages per action. Alleged TCPA robocall violations carry $500 to $1,500 per call. Each call after a written cease request may constitute a standalone violation.
How The Wood Firm PLLC Helps Stop Cavalry Portfolio Services Debt Harassment
When we open a Cavalry Portfolio Services file, we examine four specific areas. First, we pull chain-of-title documentation from the original creditor to Cavalry SPV I, LLC. Second, we review every collection notice for balance-disclosure and dispute-rights language.
Third, we pull call log timestamps across every number Cavalry used. Fourth, we review any affidavit filed in a collection lawsuit for robo-notarization signatures. These are the exact areas where federal courts have found Cavalry’s practices most frequently defective.
The firm represents consumers only. We have never represented a creditor or collector, and we handle every case on contingency: no upfront fees. If Cavalry violated federal law, they pay our fees. After you call, we review your documents, calls, and credit entries at no cost to you. Reach us directly at +1-844-638-1122.
That sequence may support FDCPA and FCRA claims if Cavalry reported before sending a validation notice. Each call after a written dispute may constitute a standalone violation. Visit our contact page for a free case review. The Wood Firm PLLC handles these cases on contingency: if they violated federal law, they pay our fees.
Frequently Asked Questions
Does Cavalry Portfolio Services sue consumers
Yes, Cavalry regularly files collection lawsuits through affiliated law firms when internal collection efforts fail. If Cavalry wins a judgment, they may pursue wage garnishment or property liens depending on your state’s laws. Request debt validation immediately upon receiving a lawsuit summons.
What is Cavalry SPV I LLC
Cavalry SPV I, LLC is a special-purpose entity that Cavalry Investments, LLC uses to hold purchased debt portfolios. This name may appear on court filings or your credit report in place of Cavalry Portfolio Services. Both names belong to the same corporate family.
Can Cavalry Portfolio Services report to my credit
Yes, Cavalry can report collection accounts to the major credit bureaus, but reporting must comply with the FCRA. If Cavalry reported before sending a validation notice, that may violate federal law. Reporting inaccurate information after a written dispute may also support a claim.
What should I do if I get a letter from Cavalry Portfolio Services
Send a written debt validation request within 30 days of first contact. Cavalry must verify the debt before continuing collection activity. Keep a copy of everything you send, and note the date. A failure to validate properly may support an FDCPA claim.
What is the robo-notary allegation against Cavalry
Federal class action filings allege Cavalry filed collection lawsuits using affidavits that were not properly notarized. Plaintiffs allege this allowed Cavalry to pursue judgments without proving they owned the underlying debt. If you received a court summons from Cavalry, the supporting affidavit is worth examining closely.
How does Cavalry Portfolio Services settle debts?
Cavalry reportedly accepts settlements for 10% to 60% of the original balance. Account age and whether a lawsuit is pending affect that range. Their resolution specialists offer lump-sum and payment plan options through the Cavalry Customer Portal. Consult an attorney before agreeing to any payment on a debt you have not verified.
Does Cavalry Portfolio Services violate the FDCPA
Court filings allege multiple FDCPA violations: deceptive balance disclosures, false legal threats, and notices that overshadowed dispute rights. Whether a specific contact violated the FDCPA depends on the exact content of the notice or call. A free case review can identify whether your situation matches a documented pattern.
What to Do Next If Cavalry Portfolio Services Has Contacted You
Save every letter, voicemail, and call record involving Cavalry Portfolio Services. The content of collection notices determines whether a federal claim exists. How the balance is presented and whether dispute rights appear clearly both matter. These are not details to reconstruct later.
Call +1-844-638-1122 and bring whatever Cavalry has sent you to the conversation. The Wood Firm PLLC reviews every document at no cost to you. If Cavalry violated federal law, they pay our fees.
Jeff Wood represents consumers exclusively, never creditors or collectors. He holds federal court admissions across 9 districts, including all courts of AR, CO, NM, and TX. He practices from Little Rock, AR.
