According to the victim he had leased a car in 1996 and completed the lease payments as scheduled in 1999. Neither the bank nor the dealership ever told him that he owed any additional money for the lease.

His lawsuit alleges that when he received a letter from Cavalry Portfolio Services, he promptly requested a copies of statements showing that there was an outstanding balance for the lease. However, instead of validating the debt, Cavalry Portfolio Services violated the Fair Debt Collection Practices Act (FDCPA) by suing the consumer. After he was served he sent a 2nd request for validation of the debt pursuant to the FDCPA. Cavalry Portfolio Services, then attempted to validate the debt by mailing the consumer a copy of the lease without any documents supporting an outstanding balance owed.

The Fair Debt Collection Practices Act (FDCPA) requires debt collectors to validate a debt if the consumer disputes that they owe any money.

The consumer wisely exercised his rights under the Fair Debt Collection Practices Act by sending the collection agency a validation letter in writing.

Assuming the facts alleged in the consumer’s FDCPA lawsuit are true, Cavalry Portfolio Services violated the Fair Debt Collection Practices Act by failing to validate the alleged debt before it filed the lawsuit against the consumer.

If you have been harassed by a debt collector in violation of the FDCPA, you may be entitled to compensation. Please give Consumer Protection Attorney, Todd M. Friedman a call at 877-449-8898 for a free consultation.

Published: April 6, 2013

Updated: March 28, 2025

This is attorney advertising. These posts are written on behalf of Law Offices of Todd M. Friedman, P.C. and are intended solely as informational content. These blogs in no way provide specific or actionable legal advice, nor does your use of or engagement with this site establish any attorney-client relationship. Please read the disclaimer.

More Insights from the TMF Blog

Credit Reporting Errors: How to Fix Your Credit Report and Sue for Damages

Table of Contents Key Takeaways Credit report errors affect millions of Americans, leading to denied loans, higher interest rates, and employment rejections. Understanding your ...

Unfair Business Practices: California’s UCL and Consumer Protection Remedies

Table of Contents Key Takeaways Four-year statute of limitations applies to most UCL claimsCalifornia’s Unfair Competition Law provides consumers with powerful tools to combat ...

a group of people in a courtroom looking at a screen

Delta’s Pricing Practices: Building the Case for Legal Action

Dynamic pricing algorithms used by Delta Air Lines may violate consumer protection laws, potentially leading to class-action lawsuits. Previous legal precedents set by actions against other companies over algorithmic bias and discriminatory practices could help challenge these systems. Various attributes like zip code, device type, or browsing history that impact pricing could lead to violation of consumer protection and civil rights protections. Investigations by multiple agencies signal a move towards a stronger stance against such practices.

Premier Attorney To Defend Your Rights

With so many law firms in Southern California and throughout the United States, why choose the Law Offices of Todd M. Friedman?

Todd Friedman has been named a 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024 and 2025 Super Lawyer, a distinction of professional achievement and peer recognition.

Speak directly with attorney Todd Friedman about your case. Todd will evaluate your situation and provide prompt and straightforward feedback, saving you time and alleviating uncertainty.

Our firm has earned an A+ Rating from the Better Business Bureau, and has been accredited since 2010.

We are strong advocates for our clients and have the resources necessary to take on powerful opponents and win.