Calvary Portfolio Services requesting my social security card photo id con ed bill. Hawthorne New York

Things to do:

FIRST - Read the Fair Debt Collection Practices Act at http://ftc.gov/os/statutes/fdcpa/fdcpact.htm.

SECOND - send a certified letter, return receipt requested, to the DEBT COLLECTOR to dispute the debt and request written validation of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such validation or judgment, or name and address of the original creditor.

Also, include a statement stating that you do not wish to be contacted again until you receive all the written debt validation information you have requested. In your case you want to clearly state that this is NOT YOUR DEBT and you should specifically ask for the following documentation:

What the money you say I owe is for;
Explain and show me how you calculated what you say I owe;
Provide me with copies of any papers that show I agreed to pay what you say I owe;
Provide a verification or copy of any judgment if applicable;
Identify the original creditor;
Prove the Statute of Limitations has not expired on this account;
Show me that you are licensed to collect in my state;
Provide me with your license numbers and Registered Agent.

THIRD - Once you received the written validation information requested, contact the CREDITOR (who owns the debt) via certified mail to resolve the matter.

It is important that communication between you and this debt collector be in WRITING! So, I wouldn't not talk to them, EXCEPT to obtain an address for sending a certified, return receipt requested letter to dispute and demand validation of this alleged debt.

Good Luck

Don't give these people any such documentation. You'll be opening yourself wide open for identity theft.

Send them a cease communication letter. Also, check your credit reports for the next few months to make sure that they aren't posting bogus negative info on them.

From Bud Hibbs:

Cavalry Portfolio Services, LLC **
4050 Cotton Ctr Blvd
Phoenix, Arizona 85040
Phone: (602) 667-0128

There are not enough names to call this organization. Keep both hands on your wallet and watch your credit reports. These AZ & NY collectors will pick you clean and come back for more. Major FDCPA violators.