Cavalry

[Anonymous]

Has anyone had any measure of success in dealing with Cavalry?

I have an old account that'd due to fall off in 2010. It's a Sprint account. The current reporting is Collection. The balance is about 130. I don't mind paying but they are absolute sticklers about denying pay for deletions. I'm thinking I should challenge the debt and request records to prove it belongs to me.  

[Anonymous]

I think they are pretty reasonable.

I would DV requesting chain of title to prove they have title to collect on it, not just fishing for active collections.

I would also send them a nice PFD that also states the debt is out of SOL, and out of reporting in about one year, so to make clear you know that PIF in exchange for delete is a very good offer.

I would not go above 25% in similar situation.

[llecs]

You should always DV before offering a PFD, even if you know it is yours. DV establishes a written statement from them that the debt is yours and sets in stone the balance due for a follow-up PFD.

Besides PFDing, after a DV, and they keep writing back with a "no", then all you can do is to keep with the PFDs or wait it out for the 7 yrs.

[Anonymous]

I take it you've been successful in getting a Cavalry account pulled off?

[Anonymous]

I sued and we settled out of court, but I'm bound to a confidentiality agreement and can't disclose the details of the outcome.

[Anonymous]

Is it a cell phone account? If so the federal SOL is 2 years from DOFD.  If Sprint is reporting what DOFD/DOLA are they reporting?  If they are not reporting....call them and ask when you made your last payment.

If past SOL   send the CA a DV  CMRRR  along with the past SOL letter

If it was a landline   SOL is state SOL for open accounts.

[Anonymous]

I could have written this post myself. I too, have a Cavalry listing on my CR's that is due to fall off in 2010. I sent a DV and they replied with 3 months worth of Sprint statements from 2002/2003.

Did you already offer them a PFD and they refused? I'm going to be sending them one this afternoon, and am hoping for success. I am included a note to let them know that I do know that the SOL is up in hopes that they will accept. Cross you fingers for me.