Who Called From 866-434-2995?
Short answer: 866-434-2995 is a number used by Cavalry Portfolio Services (Cavalry SPV), a debt buyer based in Valhalla, NY — documented call-center line (toll-free). They are almost certainly trying to collect a debt, most often credit card debt. You are not required to answer or say anything — and you have the right to demand written proof before you pay a cent.
Whose Number Is 866-434-2995?
The number 866-434-2995 is used by Cavalry Portfolio Services (documented call-center line (toll-free)), a debt buyer in Valhalla, NY. For the full company profile — ownership, history, and known aliases — see our complete Cavalry Portfolio Services guide. This page focuses on the calls coming from 866-434-2995 specifically.
About this specific number
- 📞 Number: 866-434-2995 (area code 866, ending in 2995)
- 📍 Line type: Toll-free — resolves to a toll-free line.
- 🏢 Operator: Cavalry Portfolio Services, a debt buyer in Valhalla, NY.
- 🔢 Related lines: Cavalry Portfolio Services is documented using 4 numbers in our directory, so calls may also come from other digits.
866-434-2995 is a toll-free number, which collectors like Cavalry SPV use for high-volume inbound and outbound calling.
Whether 866-434-2995 reaches you by call, voicemail, or text, every contact from Cavalry Portfolio Services is covered by the FDCPA — so keep a dated log of each one.
On your caller ID, in voicemails, or in letters, this company can also appear as: Cavalry SPV, Cavalry Portfolio, Calvary Portfolio (misspelled).
Why Is Cavalry SPV Calling Me From 866-434-2995?
In our directory, 866-434-2995 is tracked as a documented call-center line (toll-free) for Cavalry Portfolio Services, which typically collects credit card debt, auto deficiency, personal loans. A call from 866-434-2995 usually happens because:
- ✅ An original account (a credit card debt, for example) went unpaid and was charged off by the creditor.
- ✅ The account was sold to Cavalry Portfolio Services, which now owns the debt and is trying to collect the full balance.
- ✅ Cavalry Portfolio Services is now dialing you from 866-434-2995 and possibly other lines to reach a resolution.
Calls from 866-434-2995 often come shortly after an account is charged off. Because 866-434-2995 is linked to Cavalry Portfolio Services, the debt behind the call is frequently one that has already changed hands or aged for years — meaning documentation gaps are common and worth challenging. A call from 866-434-2995 that threatens arrest, wage garnishment "today," or immediate legal action is a red flag. Cavalry Portfolio Services must follow due process, and threats of that kind can themselves be FDCPA violations. Remember: you control the timeline once you put your 866-434-2995 response in writing.
Important: a phone call — even from a real number like 866-434-2995 — does not prove you owe the debt, that the amount is correct, or that Cavalry Portfolio Services can legally collect it. That is exactly why your validation rights matter.
What NOT to Say If You Answer 866-434-2995
Anything you say to Cavalry SPV can be used to collect. Protect yourself — avoid these common mistakes on the call.
Don't admit the debt is yours
When 866-434-2995 calls, saying "yes, that's mine" or apologizing can be treated as acknowledging the debt — which may reset the statute of limitations. Neither confirm nor deny until you've seen written validation from Cavalry Portfolio Services.
Don't agree to a payment on the spot
A single payment to Cavalry Portfolio Services — even a small "good-faith" one — can restart the clock on an old debt and make it collectable again. Never authorize a payment over a call from 866-434-2995.
Don't give bank or card details
Do not read out your bank account, debit, or credit card number to anyone calling from 866-434-2995. Any legitimate Cavalry Portfolio Services resolution can be handled in writing after validation.
Don't confirm personal information
Avoid confirming your SSN, date of birth, employer, or address to the 866-434-2995 caller. If it truly is your Cavalry Portfolio Services account, they should already have what they need and must prove it.
What To Do If 866-434-2995 Keeps Calling
Here are concrete next steps for this specific Cavalry Portfolio Services line. Work through them in order — each one strengthens your position before you ever discuss the debt.
- 1
Do not return the call to 866-434-2995 until you have the account details in writing — a call-back can be treated as engagement.
- 2
Block 866-434-2995 on your device, but remember that Cavalry Portfolio Services may simply switch to another line — so pair blocking with a written request.
- 3
Save 866-434-2995 as a contact labeled "Cavalry Portfolio Services — do not answer" so you can screen future calls with confidence.
Your Rights When Cavalry SPV Calls From 866-434-2995
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) give you real leverage. Here is the debt-validation playbook we use at Crowned Credit.
1. Demand Debt Validation (FDCPA §809)
Within 30 days of first contact, send Cavalry SPV a written debt-validation letter. They must prove the debt is yours, the amount is right, and they have the legal authority to collect — or stop collecting.
2. Dispute With the Bureaus (FCRA §611)
If Cavalry Portfolio Services reported a tradeline, dispute it with Equifax, Experian, and TransUnion. They have 30 days to investigate; unverifiable items must be corrected or deleted.
3. Log the Calls
Write down every call from 866-434-2995: date, time, and what was said. Repeated calls, calls at odd hours, or threats can be FDCPA violations — and leverage for you.
4. Send a Cease-and-Desist
You can demand in writing that Cavalry Portfolio Services stop calling you entirely. The calls must stop, even though they may still report or pursue other legal steps.
5. Check the Statute of Limitations
Every state limits how long a collector can sue on a debt. If the debt is time-barred, Cavalry SPV generally cannot win a lawsuit — and a payment could dangerously restart that clock.
6. Know the Anti-Harassment Rules
The FDCPA bars Cavalry SPV from calling before 8am or after 9pm, threatening you, or lying about the debt. Each violation may entitle you to statutory damages.
How Crowned Credit Helps With Calls From 866-434-2995
We investigate the specific Cavalry Portfolio Services account behind the calls, assert every applicable right, and work it with all three bureaus and the collector directly — no cookie-cutter form letters.
Review & Validate
We pull all three bureau reports, find every error tied to the Cavalry SPV account, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and to Cavalry Portfolio Services. When they fail to investigate properly, we escalate to the CFPB and, where warranted, attorneys.
Track & Build
We monitor the outcome and coach you on rebuilding once inaccurate items are addressed. Results vary by profile.
Or call us directly at 336-310-0090. Results vary based on your individual credit profile.
866-434-2995 — Frequently Asked Questions
Who is calling me from 866-434-2995?
866-434-2995 is a toll-free line associated with Cavalry Portfolio Services (also seen as Cavalry SPV), a debt buyer headquartered in Valhalla, NY and operating since 1991. The number resolves to a toll-free line. If you received a call from 866-434-2995 — often showing the last four digits 2995 on your screen — it is very likely Cavalry Portfolio Services attempting to reach you about a debt they say you owe, most often credit card debt, auto deficiency, personal loans.
Is 866-434-2995 a scam number?
Cavalry Portfolio Services is a real, registered company, and 866-434-2995 is a documented line tied to it. That said, scammers do "spoof" the caller ID of well-known collectors like Cavalry SPV, so the number showing on your screen is not proof of anything. Never give payment or personal information based on a phone call alone. Ask for the caller's name, company, and a written validation notice before you discuss any debt.
Do I have to answer or call back 866-434-2995?
You are not legally required to answer 866-434-2995 or call Cavalry Portfolio Services back. In fact, it is usually smarter to say nothing on the phone and instead demand everything in writing. Under the FDCPA, once you send a written debt-validation request, Cavalry Portfolio Services must pause collection until it mails you proof of the debt.
Why is Cavalry Portfolio Services calling me about credit card debt?
A call from 866-434-2995 usually means an original credit card debt went unpaid and was sold to Cavalry Portfolio Services, which now owns the balance and dials this line to collect it. The account may have aged or changed hands more than once, so demand the full paper trail before you accept the balance as accurate.
Can I stop Cavalry Portfolio Services from calling 866-434-2995?
Yes. The FDCPA lets you send a written cease-and-desist demand telling Cavalry Portfolio Services to stop contacting you by phone. They can still report to the bureaus or pursue other legal steps, but the calls from 866-434-2995 and any related lines must stop. This is a useful way to end harassment while you build your dispute.
Should I pay the debt Cavalry Portfolio Services is calling about?
Do not pay anything based on a call from 866-434-2995 until the debt is validated. Once you confirm the debt is yours, accurate, and still within your state's statute of limitations, you can consider a written pay-for-delete arrangement. Paying an unverified or time-barred debt can restart the clock and lock in a negative mark. Get a free assessment first.
More About Cavalry Portfolio Services
Other phone numbers used by Cavalry Portfolio Services:
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