Stop Collector Harassment
You have the right to demand they stop calling. Learn how to hold collection agencies accountable for illegal threats and FDCPA violations.
Facing a Debt Collection Action from Cavalry Portfolio Services in Utah?
If you have received notice that Cavalry Portfolio Services has initiated a collection effort or filed a lawsuit against you in Utah, you are likely navigating a complex legal landscape. Cavalry Portfolio Services is a significant third-party debt buyer that purchases defaulted accounts from original creditors—such as major credit card issuers, retail banks, and telecommunication companies—for a fraction of the original balance. Once they acquire this debt, they assume the role of the plaintiff in legal proceedings to recover the alleged amount.
Being served with a legal notice can be overwhelming, but it is critical to understand that you have rights under both state and federal law. Our firm focuses on defending against Cavalry Portfolio Services lawsuits and holding these entities to the strict burden of proof required by Utah courts.
How Cavalry Portfolio Services Operates
Third-party debt buyers like Cavalry Portfolio Services do not typically originate the credit accounts they pursue. They purchase portfolios of “charged-off” debt in bulk. This business model often leads to a reliance on electronic records and assigned rights rather than the original signed agreements. When they choose to pursue legal action, they must be prepared to prove not only that you owe the debt but that they have the legal standing to collect it.
In many instances, the documentation transferred during these portfolio sales is incomplete. Our experienced attorneys analyze these records to determine if the plaintiff can meet their evidentiary burden. If they cannot provide a clear chain of custody or verified records of the original account, we fight to challenge the validity of their claims.
Your Right to Debt Validation
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request validation of the debt. If you receive a communication regarding an alleged account, you should demand that the creditor provide proof that they own the debt and that the amount claimed is accurate. Failing to assert these rights early can complicate your defense.
Understanding your protections is essential. If you believe your rights have been violated during the collection process, our team can evaluate your case for potential FDCPA violations. We review every communication to ensure that Cavalry Portfolio Services is complying with the strict statutes governing debt collection practices.
Creditor Contact Information
- Phone: 866-483-5139
- Mailing Address: 1 American Ln, Suite 220, Greenwich, CT 06831
- Website: cavalryportfolioservices.com
Frequently Asked Questions
What should I do if I am served with a lawsuit?
In Utah, you typically have a limited window to file a formal Answer to a civil complaint. Failing to respond by the court’s deadline can lead to a default judgment, which may allow the plaintiff to pursue wage garnishment or bank levies. We advise seeking legal counsel immediately upon being served.
Can I settle the debt instead of going to trial?
Many debt-related disputes are resolved through negotiated settlements. By engaging an experienced attorney, you gain the benefit of professional negotiation to explore potential resolutions that may be more favorable than a court-ordered judgment.
Do I have to speak to their representatives?
You are not required to provide personal information or agree to payment plans over the phone. Often, the information you provide in these calls is used to strengthen the creditor’s position against you. It is generally advisable to direct all inquiries to your legal representation.