Cavalry Portfolio Services Info & Dispute Guide

Who is Cavalry

Cavalry Portfolio Services is a debt collection company that purchases defaulted loans from banks and other lenders. Our Cavalry Portfolio Services info & dispute guide will help you deal with a debt collections company that is licensed to operate in all 50 states.

Read More

What to do

While debt collectors play an important role in the financial system, they are not your friends. It is important to be aware of your rights. Click here to find out what you can do.

Read More

Dispute Now

They are calling the wrong person. You already paid your debt off. There are a million valid reasons to dispute a debt. Look no further to start filing disputes starting with the actual company that is calling you.

Read more

Who Is Cavalry Portfolio Services

Cavalry Portfolio Services was founded in 1998. The company is a subsidiary of Encore Capital Group, Inc., which is one of the largest debt collection companies in the United States. Cavalry Portfolio Services is licensed to operate in all 50 states.

Cavalry Portfolio Services collects a variety of types of debt, including credit card debt, student loan debt, and medical debt. The company also collects debt for government agencies and utilities.

Cavalry Portfolio Services is required to follow the Fair Debt Collection Practices Act (FDCPA). The FDCPA is the federal law that protects consumers from abusive debt collection practices. This means that harassing consumers or use unfair or deceptive practices to collect debts is not allowed.

What To Do If Contacted By Cavalry Portfolio Services

While debt collectors play an important role in the financial system, they are not your friends. They are not there to help you. Collectors collect money for their clients, and do whatever it takes to get the job done.

If you are contacted by a debt collector, it is important to be aware of your rights. You have the right to:

  • Verify the debt: Debt collectors are required to provide you with certain information about the debt. This includes the original creditor, the amount of the debt, and the date it was due. If you are not sure if the debt is legitimate, you can ask the debt collector for proof of the debt.
  • Dispute the debt: If you believe that the debt is not yours, or that you have already paid it, you can dispute it with the debt collector. You will need to provide documentation to support your claim.
  • Make a payment arrangement: If you cannot afford to pay the debt in full, you can try to work out a payment arrangement with the debt collector. This may involve making smaller payments over a longer period of time.
  • Be treated fairly: Debt collectors are prohibited from engaging in certain harassing or abusive practices, such as calling you at unreasonable hours, threatening you with violence or arrest, or lying to you about the debt.

Complaints can be filed with the Consumer Financial Protection Bureau (CFPB).

How To Dispute Your Debt

You must have a valid reason to dispute your debt for a chance at success. If you feel you have a valid reason and some proof to back up your dispute then proceed.

File a dispute with Cavalry
Cavalry does not seem to have an online form to file a dispute. The only option we were able to find was to call (866) 483-5139.
File a dispute with the major credit bureaus
You may want to go straight to the credit bureaus to dispute your debt. (Cavalry credit report dispute)
File a complaint with the CFPB & BBB
In rare situations, you need to escalate the situation. CFPB Complaint Center. BBB Complaint Center.

Cavalry Portfolio Services Contact Information

1 American Lane
Suite 220
Greenwich, CT 06831-2200

Phone Number: (866) 483-5139