“Why is Cavalry Portfolio Services calling me?” If you’re asking that question, chances are the calls haven’t been casual. Cavalry is a debt buyer, which means they purchase old debts from original creditors—like credit card companies or lenders—and try to collect on them.
These calls can be the first step in a longer process that may lead to a debt lawsuit. In this article, we’ll explain who Cavalry Portfolio Services is, what they can and can’t do legally, and why speaking with a debt defense attorney early on can make a major difference. The situation may be stressful, but you’re not powerless—and the right legal support can help.
Who Is Cavalry Portfolio Services?
Ever wonder why a company you never borrowed from is suddenly demanding payment? If Cavalry Portfolio Services is calling, they probably bought your old debt—and now they want to collect.
A Debt Buyer, Not the Original Lender
Cavalry Portfolio Services isn’t a credit card company or a bank. They don’t originate loans. Instead, they buy past-due accounts from lenders who’ve already written them off. These debts are often sold in bulk for pennies on the dollar. Once Cavalry owns the debt, they step into the role of collector, taking over where the original lender left off.
Here’s the kind of debt Cavalry typically goes after:
- Credit card balances that were written off
- Personal loans that fell into default
- Auto loan deficiencies after repossession
- Other unsecured debts that have been charged off
Why They’re Calling You
If you’re hearing from Cavalry, it’s likely because your original creditor sold them your delinquent account. Cavalry now claims ownership of the debt and is reaching out to recover what they believe is owed. Their contact is usually the first step in a series of collection efforts, and ignoring those early calls doesn’t stop the process—it may just speed it up.
They May Escalate Collection Efforts
If early contact doesn’t get results, Cavalry can and often will take the next step: filing a lawsuit. A court summons isn’t just a scare tactic—it’s a legal action that puts real pressure on you to respond.
Lawsuits can lead to default judgments, which means the court sides with Cavalry without hearing your defense. Once that judgment is in place, they can use it to collect the debt by force.
Judgments may allow wage garnishment, where a portion of your paycheck is taken before it even hits your bank account. They can also result in bank levies, where funds are pulled directly from your account to satisfy the debt. Both are legal tools—and both can hit hard if you’re not prepared.
The longer you wait, the more limited your options become. Responding early will give you the best chance to defend, settle, or resolve the issue before it escalates.
Don’t Wait for a Default Judgment—Act Now
Cavalry Keeps Calling—Here’s What to Do First
If Cavalry Portfolio Services is contacting you, take a breath. You have options—but your first move matters. Before you return a call or send a payment, here’s what you should check and why slowing down could actually protect you.
1. Do Not Rush to Pay Immediately
It’s natural to want to make the calls stop, but paying too quickly can work against you. Without reviewing the debt details, you might end up agreeing to an amount that’s inaccurate or not legally supported by documentation. Debt buyers count on fast reactions. Take your time and get the facts straight first.
2. Review Any Documents They’ve Sent
Take a close look at any letter or email they’ve sent you. You’re looking for:
- The name of the original creditor
- The amount they say you owe
- The date of the last activity on the account
This information can help you figure out whether the debt is valid—and whether it’s still legally enforceable.
3. Document All Contact
Write down the date, time, and content of every call, voicemail, or letter from Cavalry. Save copies of everything. If this turns into a legal issue or they violate your rights under the law, your records will matter.
4. Understand Your Rights Under the Law
The Fair Debt Collection Practices Act (FDCPA) gives you protections. Debt buyers like Cavalry can’t harass you, lie to you, or contact you at unreasonable times. You also have the right to request written validation of the debt. If they can’t prove it’s real, they can’t collect.
Most Importantly
Before you take any action—whether it’s paying, calling back, or disputing—talk to a lawyer. A legal review can help you avoid missteps and may give you more leverage than you think.
These cases move fast, and collectors know how to use deadlines and procedures to their advantage. Having a lawyer shifts the balance.
An attorney understands how debt collection cases work in court. They can intercept aggressive tactics, spot weaknesses in the collector’s case, and handle the paperwork and deadlines so you don’t miss something critical. A strong legal response may reduce the amount you owe—or knock the case out entirely if the collector can’t prove their claim.
Without legal guidance, it’s easy to make costly mistakes. Filing the wrong response, missing a deadline, or speaking directly with collectors without understanding your rights can limit your options. With a lawyer on your side, you’re not just reacting—you’re building a defense that puts pressure back where it belongs.
Not Sure Where to Start? Protect Yourself With Zero-Down Debt Lawsuit Attorneys
At Guardian Litigation Group, we’re built for this kind of case. We’ve defended clients across the country from collection firms like Cavalry. Whether you’re getting daily calls or have already been sued, we know the system, and we know how to step in quickly and effectively.
We treat every case with urgency, care, and clarity—because collection lawsuits move quickly, and what you do early on matters most. Whether it’s resolving the debt, challenging the claim, or getting the case dismissed, we make sure your side is heard.
Our Comprehensive Legal Services Include:
- A clear legal review of your case, so you know exactly where you stand
- Step-by-step orientation so you understand what’s ahead and how to prepare
- A dedicated legal team that handles all communication with Cavalry
- Regular updates so you’re never left wondering what’s next
- Full representation in court if a lawsuit has been filed
Our priority is to give you control in a situation that often feels stacked against you. From the first conversation, we focus on building a strategy that fits your circumstances—not just checking legal boxes. Whether we’re reviewing gaps in the claim, challenging poor documentation, or exploring smarter ways to resolve the debt, we work toward outcomes that are thoughtful, realistic, and grounded in the law. You don’t need to know every legal detail—that’s our job. You just need a team that listens, responds, and knows how to handle this from start to finish.
Let’s Help You Respond with Confidence
If you’ve been asking yourself “why is Cavalry Portfolio Services calling me?”, it’s likely because they’ve purchased a debt and are now trying to collect. At Guardian Litigation Group, we help people make sense of these situations and take clear, informed action.
If you’re unsure where to begin, start by talking to us. We’ll walk through your options, review what Cavalry’s demanding, and work toward a legal plan that actually protects you.
FAQs
Why is Cavalry Portfolio Services calling me, and what should I do about it?
Cavalry likely bought a debt from your original creditor and is now trying to collect. Don’t agree to anything right away. First, review the details and consider speaking with a lawyer to understand your rights and your next steps.
Is Cavalry allowed to sue me over an old debt?
Yes, if the debt is within the legal time limit. But they still have to prove their case in court. If they can’t show proper documentation, you may have grounds to challenge it.
What kind of debt does Cavalry usually collect?
Cavalry often goes after credit card balances, personal loans, auto loan deficiencies, and other unsecured debts that were written off by the original lender.
Should I call Cavalry back if they leave a voicemail?
It’s better to speak with a lawyer first. A legal review helps you avoid missteps before any direct contact.
How can Guardian Litigation Group help with a debt collection call from Cavalry?
We review the claim, handle communications, and step in before things escalate. Our team focuses on protecting your rights and finding the best legal path forward.
The information provided in this blog article is for informational purposes only and should not be construed as legal advice. It is not intended to create an attorney-client relationship.
