Cavalry Portfolio Services Just Sued Me. What do I do now?

No one purposely falls behind on their bills. When they do, it could be due to many reasons, from an unexpected car repair to an unanticipated health issue. Sometimes, life simply gets in the way. Whatever the reasons, we understand what you are going through. Unfortunately, debt collectors become successful by filing lawsuits and utilizing intimidation tactics.

Cavalry Portfolio Services lawsuits can be intimidating and financially devastating. If Cavalry Portfolio Services has sued you, you have rights as a consumer. You need a debt collection defense and consumer protection attorney to advocate on your behalf and advise you through the process. Trust the experienced attorneys at Ciment Law Firm, PLLC, who focus on debt-collection lawsuits.

In our experience, most people have never heard of Cavalry Portfolio Services. They only learn of their existence after the company serves them with a lawsuit. Cavalry Portfolio Services is a debt collection agency located in Phoenix, Arizona. Founded in 2002, it has 20 to 49 employees under its President, Alfred J. Brothers. If Cavalry Portfolio Services has contacted you about a debt they claim you owe, it’s a good idea to know who you’re dealing with.

What is Cavalry Portfolio Services?

Cavalry Portfolio Services is an enormous debt buying company. They buy aged debt from credit card companies and banks at cheap rates. Once they own your account, they will come after the total debt (plus any late and overdraft fees, attorney fees, and interest) with their substantial resources. They start collection calls to get the money as fast as they can.

Cavalry Lawsuit

Remember, Cavalry Portfolio Services is an enormous company that buys so much debt that often, all they receive is a spreadsheet of data with your name, number, and the amount of debt you owe. Once they file a lawsuit, Cavalry has the burden of proof about the following:

  • They own your debt
  • The debt amount is correct
  • Your information in the lawsuit is correct
  • The statute of limitations hasn’t passed

If Cavalry Portfolio Services can’t meet the burden of proof, there is a good chance the court can and will dismiss your lawsuit.

Can Cavalry Portfolio Services Garnish My Wages?

It is illegal for any debt collector to threaten to garnish your wages. However, if Cavalry has sued you and you didn’t take action, three things probably happened:

  1. Cavalry Portfolio Services likely filed a “request for default,” which means that you no longer have the ability to respond to the lawsuit and defend yourself.
  2. Cavalry Portfolio Services then asked the court to enter a default judgment against you.
  3. Cavalry Portfolio Services can enforce the judgment against you by freezing your bank accounts, garnishing the money in your bank accounts, levying, or liens on your non-exempt property. This may also show up on your credit report.

In short, because you did not take action, Cavalry automatically won the lawsuit, meaning they can garnish the money in your bank accounts, freeze your bank accounts, and put liens on your non-exempt property. Contact us before this happens to you. We have helped thousands of clients, just like you, fight back against Calvary and other debt collection companies.

Don’t Deal with Cavalry Portfolio Services Alone

Cavalry Portfolio Services may contact you several times to settle with them directly, which may not be the best option for you. Before you do anything, contact us today at (281) 937-3949. We will review your situation and work with you to obtain the best possible resolution. You deserve to know your rights and have an experienced debt-collection defense attorney advise you about your options.

If Cavalry Portfolio Services has served you with a lawsuit, you already know that they use aggressive debt collection tactics, including multiple daily calls, harassment, threats, and citations. It’s important to remember that under the Fair Debt Collection Practices Act, debt collection companies such as Cavalry Portfolio Services cannot do the following while trying to collect a debt:

  • Contact anyone who doesn’t own the debt
  • Call before 8 a.m. or after 9 p.m. unless you have given them permission to do so
  • Cause your phone to ring for extended periods of time or make repeated phone calls
  • Contact you at work if you have asked them not to
  • Make false statements to collect the debt or misrepresent the amount you owe
  • Make threats of harming your credit or wage garnishment
  • Send collection letters that appear to be from a court or government office
  • Threaten to arrest you if you do not pay the debt
  • Threaten to take legal action against you
  • Use obscene or profane language

Cavalry Portfolio Services is NOTORIOUS for deceptive tactics. Did you know that the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB) have received numerous complaints about Cavalry Portfolio Services? Some of the topics of the complaints to the CFPB included:

  • Attempts to collect a debt not owed
  • Communication tactics
  • Filed incorrect information on the consumer’s credit report
  • False statements or representation
  • Threatened to take negative or legal action
  • Written notification about a debt

If Cavalry is pursuing you, our debt assistance attorneys are here to help. Whether you’re dealing with Cavalry or any other debt collector, let us put our 3-Step Proven Process to work for you.

Contact Ciment Law Firm, PLLC, Texas Consumer Protection

At Ciment Law Firm, PLLC, Texas Consumer Protection, we focus on bankruptcy, debt collection defense, and consumer protection. We invite you to join our Texas Debt Defense & Protection Facebook Group for more information. We created this group for current and past clients of the Ciment Law Firm, PLLC, Texas Consumer Protection, and Texans struggling with their debt and looking for solutions. If you’re dealing with debt, were recently laid off, are behind on your house or car payments, or have been sued for a debt, we encourage you to join our group and get the support you need.

If you’re ready to start your journey to debt and credit freedom now, contact us at (281) 937-3949 or complete our online form to schedule a free case evaluation.

Copyright© 2021 Ciment Law Firm PLLC. All Rights Reserved.

The information in this document is provided for general informational purposes only and may not reflect the current law in your jurisdiction. No information contained in this post should be construed as legal advice from the individual author or the law firm, nor is it intended to be a substitute for legal counsel on any subject matter. No reader of this post should act or refrain from acting based on any information included in or accessible through this post without seeking the appropriate legal or other professional advice on the particular facts and circumstances at issue from a lawyer licensed in the recipient’s state, country or other appropriate licensing jurisdiction.


Ciment Law Firm, PLLC
221 Bella Katy Dr.,
Katy, TX 77494


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