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I received a call today from Calvary Portfolio Services. They were looking for my ex wife. The employee asked me if I lived at the address on the account, I told her no. It was the address of my ex wife. She then proceeded to ask me questions about the debt and if I was willing to pay it off. I told her that I didn't have a dime to pay towards the debt. She then began to belittle me and threatened a law suit. Apparently She does not understand our state laws when it comes to collections and harassment. She then transferred me to a manager at Central Portfolio in AZ. He was much nicer and played to sympathy card.

The thing to remember is that Calvary bought the debt for pennies on the dollar. Agents get a percentage of the debt collected. That is why they are so insistent on collecting the total amount of the debt.

Word of advice, don't give in to their tactics. Find another solution to settling your debt and DON'T deal with the thugs of the collection industry.

Reason of review: Poor customer service.

Cavalry Portfolio Services Cons: Lack of professionalism.

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