In this article, we’ll break down what Cavalry does, how their approach differs from standard collection agencies, and what business owners should keep in mind when selecting a recovery partner. We’ll also explore how Advanced Collection Bureau (ACB) compares when it comes to ethical, effective, and legally compliant debt recovery services.
Cavalry Portfolio Services: A Debt Buyer, Not a Lender
Cavalry Portfolio Services, LLC is headquartered in Greenwich, Connecticut. You can find their official site at www.cavalryportfolioservices.com. Unlike traditional creditors or even most third-party collection agencies, Cavalry is a debt buyer. That means they purchase charged-off debts from original creditors—typically at a fraction of the original value—and then attempt to collect the full amount themselves.
These accounts are often labeled under “Cavalry SPV I, LLC” or “Cavalry Investments” on credit reports or in legal filings. If you’ve never heard of them before receiving a notice, it’s because they didn't issue your loan or credit card. They acquired the debt later, likely after the original creditor wrote it off as uncollectible.
According to Upsolve, Cavalry specializes in unsecured debts like:
- Credit card balances
- Auto loans
- Personal loans
They pursue these balances using a mix of collection calls, mailed notices, and in many cases, lawsuits filed in state court.
A Company Known for Aggressive Litigation
While purchasing old debt is legal, how it's collected matters. Cavalry has developed a reputation for taking an aggressive legal stance when collecting. Several consumer-rights law firms, including Guardian Litigation Group, report that Cavalry frequently sues consumers over debts—often without first providing sufficient documentation to validate the amount or prove ownership of the account.
In some cases, consumers are sued for debts that are too old to collect—debts that fall outside the statute of limitations. Others report being contacted about debts they don’t recognize at all.
Because Cavalry is in the business of buying large portfolios of old accounts, some errors or mismatches can occur. For businesses or landlords looking to recover funds, this raises an important question: is this the kind of recovery partner you’d want representing your name?
Businesses Should Know the Difference
If you’re managing rental properties, healthcare billing, or any kind of B2C service, your collections partner is a direct extension of your brand. Choosing a company like Cavalry, which operates primarily on volume and litigation, may not be the right fit—especially if you’re trying to maintain tenant relationships or customer trust.
At Advanced Collection Bureau, we take a different approach. We work on a pure contingency basis, meaning you don’t pay us unless we recover the debt. But more importantly, our methods are built around respectful communication, legal compliance, and professionalism. We use advanced skip tracing to locate debtors and report to credit bureaus twice a month—giving your past-due accounts added urgency without resorting to immediate lawsuits.
We covered this in more detail in Building Stronger Tenant Relationships Through Transparent Debt Recovery, a blog that explains how ethical debt recovery can still get results without damaging reputations.
How Cavalry Compares to ACB
Cavalry may be a powerhouse in debt purchasing, but for most small to mid-sized businesses, especially in industries like residential property management or medical services, working with a contingency-based, U.S.-based agency like ACB makes far more sense.
Consider reading Are Contingency Fee Collections Worth It?, which explains why businesses often see better returns with less risk using this model.
For more industry-specific advice, our post on Debt Recovery Strategies for Apartment Communities with High Turnover Rates explains how ACB’s strategy adapts to common landlord challenges—something Cavalry isn’t built for.
Resources About Cavalry Portfolio Services
If you're researching Cavalry, these resources provide further insight:
- Official Website: https://www.cavalryportfolioservices.com
- BBB Profile: Cavalry on BBB
- Consumer Advocacy Overview: What Is Cavalry SPV I?
- Legal Defense Guide: Cavalry Lawsuit Defense – Guardian Litigation
- Consumer Complaints: WalletHub Reviews
Cavalry Portfolio Services plays a specific role in the collections industry—but it may not be the partner you want if protecting your brand and customer relationships matters. If you're looking for a debt recovery agency that gets results without shortcuts, ACB is ready to help.
Explore how we can recover your unpaid balances at advancedcb.com/work-with-us.
