• Report: #367550

Complaint Review: Calvary Portfolio Services

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  • Submitted: Wed, August 27, 2008
  • Updated: Wed, August 27, 2008

  • Reported By:Palisades Park New Jersey
Calvary Portfolio Services
7 Skyline Dr 3rd Floor Hawthorne, New York U.S.A.

Calvary Portfolio Services (Calvary Collection Agency) Calvary Portfolio Collecting Debts For Sprint Customers Hawthorne New York

*Consumer Suggestion: Umm, unless you got their assurances in writing...

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NEED SOME HELP PLZ!!!!!

I've been getting calls from calvary.
I finally got to talk to them today and first, they were confirming my SSN and my addresses. I asked them how they got my SSN and they said Sprint has provided them with such information.

Anyway, they told me that I have a Sprint account and owe about $350 debt. Well this is partially true. I happened to 'co-sign' for somebody I know when he was making a new Sprint account. He needed someone to sign up because back in 2004, he was under 18. The employee of Sprint told me that my information will be removed from my friend's Sprint account as he becomes over 18. Unfortunately I did provide my SSN under his account (Calvary says I'm the primary account holder, which shouldn't be), and I believe they are calling me because this friend I know didn't do a good job on paying his bills. I told Calvary rep. exactly what happened and the rep told me to contact the friend and call them back again.

So here are some questions I have:

-My friend is willing pay his debt of $350, but should I contact Calvary again and make payment and follow other procedures that they told me to do?
-Should I contact Sprint?
-I'm worried about identity fraud. How can I make sure that they will not use my information on other purposes.
-I DO NOT want my credit score to hurt from this. Is there any way I can get it back to previous score?
-In worst cases if I need to file a report or contact a lawyer, what is the procedure? Also, does it cost a lot?

George
Palisades Park, New Jersey
U.S.A.

This report was posted on Ripoff Report on 08/27/2008 03:20 PM and is a permanent record located here: http://www.ripoffreport.com/r/Calvary-Portfolio-Services/Hawthorne-New-York-10532/Calvary-Portfolio-Services-Calvary-Collection-Agency-Calvary-Portfolio-Collecting-Debts-367550. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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0Author 1Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Suggestion

Umm, unless you got their assurances in writing...

AUTHOR: J G Shrugged - (U.S.A.)

Everything you were told wasn't true.

You aren't a cosigner - you are the main person on the account. If the other person was under 18 they can't legally sign a contract, so the ONLY way you could be removed from the original contract is if they signed a new one after they turned 18 and voided the original....which rarely happens when you renew with the same cell phone provider.

Not sure what kind of case you would have buy hiring a lawyer....as a cosigner you are 100% obligated to make sure that the bill is paid in full, so make sure that it is paid. But your credit is probably already damaged from it, and it was done legally.
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