Another Cavalry Portfolio Services Rip-Off victim here, I have recieved a collection letter from Cavalry Portfolio Services saying that i owe AT&T $432.64 back in 2001 while i was in Seattle, which is already been pay before i moved back to Massachutts,
I call the Cavalry office in Tempe. Az and explained the suitation, the lady on the phone also agree with me that is must be a mistake that AT&T had made and suggested me to call the Cavalry office in NY to dispute the debt, so ok. I called the office in New York this morning, a guy pickup the phone and ask for the reference number, my name and the last four digital of my SS# to verify my information, and then i have explained the situation, i have not owe AT&T anything i said, but he can't take my words as evidence, i have to send them hard copies of the statement from AT&T back in 2001 to prove that the bill have been payoff", and he also said, i can send them a hand written letter to request the documents in regards to this case, but still if i don't have the hard copie of the statement, they won't dispute it.
Of course i don't have statement from 4 yrs ago, who in the world would keep the phone bill that long, and why i have to send them a hand written letter within 7 days? What's the use of my hand written letter if in Massachusetts i can dispute the collection by phone, this is the -Notice of Important Right - for state of Massachutts printed on the back of the collection letter.
In massachusetts: you have the right to make a written or oral request that telephone calls regarding your debt not be make to you at your place of employment. Any such oral request will be valid for only ten day unless you provide written confirmation of the request postmarked or delivered within seven days of such request, you may terminate this request by writting to the collector. You may contact us by telephone at (877) 222-8257 between 9:0 am and 6:00om mst monday-friday or in writting at p.O. Box 27288, tempe, az 85285.
In other states such as New York Cavalry have collection license but it didn't said they have license in Massachusetts, is that mean they don't even have the right to collect debts in Massachuttes? I have a feeling this is a fraud, on the letter they ask me to send my money to thier office in Concord, MA. But why do i have to contact their office in AZ, and then NY? Because they have license there?
I still haven't send them the written letter yet, since the collection letter was sent out on 04/14/05 i still have 2 more days to decide what do to and I afraid that they would use this information as my authorization for them to do other stuff, i just don't trust those peoples, and it's obvious this is a huge scandal, what a shame of AT&T/Cingular for selling my personal information to third party like Cavalry, as a value customer i am very disappointed and will never ever use any of their services again.
What can i do now? I am planning to get a house soon, and i can't afford to have any damages to my credits, and if i pay the 80% settlement offer from Cavalry, I feel that i got totally Rip-off, it's like someone threaten me with a knife for money. Any suggestion or information to help victims like me would be greatly appreciated.
Thank You
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