412-823-8003 greg@gregartim.com
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Calvary Lawsuits

Calvary Lawsuits – Have they sued you?

Have you received a collection letter from Calvary Portfolio or Calvary SPV or Calvary Investments? How about a
telephone call? has a lawsuit been filed against you by Calvary? (They often used the fine collection firms Apothaker and Associates or Gordon and Weinberg…both are very good collection firms). Fortunately, you have found this website and you have found a Consumer Attorney who is willing to help defend you.

The Calvary family is a group of companies that buys delinquent credit card accounts to try to make a profit at the expense of unwitting consumers.  Calvary buys large groups of allegedly defaulted credit card accounts for pennies on the dollar for the sole purpose of attempting to collect whatever they can on those accounts from individuals just like you. They buy these accounts for anywhere between 1 and 4 cents per dollar.  They file dozens if not hundreds of lawsuits daily in hopes of collecting on old debt claims that have been charged off by the original creditor. What they do is perfectly legal, but that doesn’t mean that you owe them money. We take the position that you owe money only to an entity that can prove that you owe money to it. Calvary SPV is often lagging in this respect. We are also aware that when Calvary buys these accounts, they often make the purchase on an AS IS basis. This means that there are no guarantees or warranties as to the accuracy of the information.

If the lawsuit is filed in the Court of Common Pleas, then our approach to defending against Calvary is twofold. First, we defend the case based upon a lack of legal sufficiency. In general, when a party files a lawsuit in Pennsylvania, there are several issues that need to be recited in the lawsuit. In other words, facts must be established that tend to prove that you had a credit account, that you defaulted on it and that Calvary has the right to sue you and collect on the alleged debt.

In my experience, I have found that the lawsuits filed by Calvary are almost always legally insufficient at the onset of the lawsuit. We object to these lawsuits on insufficiency grounds with great success.

In the event that Calvary is able to cure the insufficiency objections, we then move on to defending the claim on its legal merits, i.e. whether you actually had the account, whether you actually defaulted on it, when the alleged default occurred, et cetera.

If the lawsuit is filed at your local magistrate or District Justice, then the approach is to have one of our attorneys go to the hearing and defend. In most instances, Calvary will be woefully unprepared to defeat us.

Our firm has a great deal of experience in defending credit card collection cases. If you have been sued in any Pennsylvania county, by Calvary or another collection agency, our firm can help you defend this claim at minimal cost, with a great chance at success.
Contact our office here
, call me at 412-823-8003 or visit our Pennsylvania Credit Card Legal Center here.