cavalry portfolio services, My little sister got a SPRINT cell phone over 7yrs. ago in my father name. This new comp. took over the deliquient account made up a new account on the bill raised the bill from 800 to 2,128.18 , he p st. paul, Minnesota

It sounds like you need to get your facts straight because this is so far from the truth. First of all If your sister "really" opened an account in your fathers name, she commited Fraud and he should file fraud charges against her. You mentioned she opened this 7 years ago?? which would have been 2003. You said he Ignored it until 5 years later when he saw it on his credit report??? So that puts us at 2008 when he paid it as you claim since he wanted to stay on top of his credit. Then you stated 5 years after that it came to cavalry?????!!! Ummm that would put us at 2013 which is not here yet. Even so, If your father paid it, all he would need to do is provide proof of the payment to cavalry and we would correct it. If he did pay It and did not get it in writing that's on your father. You should always get everything in writing FYI. Also dont blame cavalry, blame sprint because according to you he paid it before it was sold to cavalry correct?? So why be upset with cavalry because Sprint clearly did not close out his account and sold it to us. What's even more far out from the truth is "WE DID NOT COME GET YOUR FATHERS CAR OVER A SPRINT BILL" If we came and got his car it was due to non payment on his vehicle. You can say what you want but the only time we could come and repossess a vehicle is if we had the account and your father still had the vehicle in his possesion and he was electing not to pay. Typically the Original creditor repossess the car If they are able to locate it before they sell the account. If not they sell it anyway and If we are able to locate the vehicle then we will send someone out to go get it, again if the customer elects not to pay. The funny thing is on our auto repoes. We offer to make arrangements on the account sometimes for less than what you owe then after the account has been paid... we release the title. So It's almost like a refinance. So, If your fathers car really was reposesed by us it wasn't behind a sprint bill. If we pursued any further on a an account like that it would have been legally which in this case we would have either garnished his wages, put a lien on his property (If he has any) or just filed judgment (depending on the state). We would have not repossessed his vehicle. The statue of Limitation has not changed. Let me Clarify with you exactly what that means. Their are two different statues. 1.) How long we can report on the Credit Reports (7 years from the charge off date) 2.) How long we have to Litigate (sue) (Varies by state). I am not saying we didn't come and get your fathers vehicle but If we did it was within the laws and due to non payment on his vehicle.  It sound like your father was just embarrassed and he wanted someone to blame.

Is this real?? I am confused - but regardless this is a third party scumbag collection agency - get an attorney fast! Visit budhibbs.com - He has useful information and a link to Attorneys who specialize in dealing with these scum bags

Good luck and FIGHT BACK!