IN THE UNITED STATES DISTRICT COURT

FOR THE DISTRICT OF COLORADO

Civil Action No.: 

RENARDO COLLINS, 

 Plaintiff,

v.

CAVALRY PORTFOLIO SERVICES, LLC, a Delaware limited liability company, 

 Defendant.

COMPLAINT AND JURY DEMAND

JURISDICTION

1. Jurisdiction of this Court arises under 28 U.S.C. § 1331 and 15 U.S.C. § 

1692k(d).

2. This action arises out of the Defendant’s violation of the Fair Debt Collection 

Practices Act, 15 U.S.C. § 1692 et seq. (hereinafter the “FDCPA”). 

 VENUE

3. Venue is proper in this Judicial District.

4. The acts and transactions alleged herein occurred in this Judicial District.

5. The Plaintiff resides in this Judicial District. 

6. The Defendant transacts business in this Judicial District.

PARTIES

7. Plaintiff Renardo Collins is a natural person.

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8. The Plaintiff resides in the City of Denver, County of Denver, State of 

Colorado. 

9. The Plaintiff is a “consumer” as that term is defined by 15 U.S.C. § 1692a(3). 

10. The Plaintiff is a “any person” as that term is used in 15 U.S.C. § 1692d 

preface.

11. Defendant Cavalry Portfolio Services, LLC is a Delaware limited liability 

company operating from an address at 500 Summit Lake Drive, Suite 400, 

Valhalla, New York, 10595. 

12. The Defendant’s registered agent in the state of Colorado is The 

Corporation Company, 1675 Broadway, Suite 1200, Denver, Colorado, 

80202. 

13. The Defendant is a “debt collector” as that term is defined by 15 U.S.C. § 

1692a(6). 

14. The Defendant is licensed as a collection agency by the state of Colorado.

15. The principal purpose of the Defendant is the collection of debts using the 

mails and telephone.

16. The Defendant regularly collects or attempts to collect, directly or indirectly, 

debts owed or due or asserted to be owed or due another.

17. The Defendant regularly collects or attempts to collect, directly or indirectly, 

debts owed or due or asserted to be owed or due another that arose out of 

transactions in which the money, property or services which are the subject 

of the transactions are primarily for personal, family or household purposes.

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FACTUAL ALLEGATIONS 

18. Sometime before 2010 the Plaintiff allegedly incurred a financial obligation 

that was primarily for personal, family and household purposes namely an 

amount due and owing on a personal account owed to HSBC (hereinafter 

the “Account”). 

19. The Account constitutes a “debt” as that term is defined by 15 U.S.C. § 

1692a(5). 

20. The Account went into default with HSBC. 

21. After the Account went into default the Account was placed or otherwise 

transferred to the Defendant for collection. 

22. The Defendant is in the business of purchasing delinquent consumer 

accounts, typically paying no more than ten cents on the dollar. 

23. The Defendant then collects the accounts or hires other entities to collect 

the accounts. 

24. The Defendant claims to have purchased the Account. 

25. On information and belief the Defendant paid less than ten cents on the 

dollar for the Account. 

26. The Account was placed or otherwise transferred to the Defendant for 

collection. 

27. The Plaintiff disputes the Account. 

28. The Plaintiff requests that the Defendant cease all further communication 

on the Account. 

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29. The Defendant’s collector(s) were employee(s) of the Defendant at all 

times mentioned herein. 

30. The Defendant acted at all times mentioned herein through its 

employee(s). 

31. On June 14, 2011 the Plaintiff and one of the Defendant’s employees had 

a telephone conversation while the Defendant was attempting to collect 

the Account from the Plaintiff. 

32. During the telephone call / conversation on June 14, 2011 between the 

Defendant’s employee and the Plaintiff the Defendant’s employee 

informed the Plaintiff that the Defendant had the Plaintiff’s HSBC account 

with a balance of $993.52. 

33. During the telephone call / conversation on June 14, 2011 between the 

Plaintiff and the Defendant’s employee the Plaintiff disputed the Account. 

34. During the telephone call / conversation on June 14, 2011 between the 

Plaintiff and the Defendant’s employee the Plaintiff stated: I am disputing 

this account. 

35. During the telephone call / conversation on June 14, 2011 between the 

Plaintiff and the Defendant’s employee the Plaintiff stated: This account is 

disputed by me. 

36. The Plaintiff disputed the Account with the Defendant in June 2011. 

37. The Defendant was aware that the Account was disputed in June 2011. 

38. Prior to July 2011 the Plaintiff disputed the Account with the Defendant. 

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39. Prior to July 2011 the Defendant was aware that the Account was 

disputed. 

40. Prior to July 2011 the Defendant was informed that the Account was 

disputed. 

41. Prior to July 2011 the Defendant was aware that in June 2011 the Plaintiff 

disputed the Account. 

42. Prior to July 2011 the Defendant was aware that during a telephone call 

between the Plaintiff and the Defendant on June 14, 2011 the Plaintiff 

stated: I am disputing this account, and: this account is disputed by me. 

43. In July 2011 the Defendant communicated information regarding the 

Account to Experian, a credit reporting agency. 

44. In July 2011 the Defendant communicated to Experian that the balance on 

the Account was: $996. 

45. In July 2011 the Defendant communicated to Experian that the Original 

Creditor on the Account was: HSBC BANK NEVADA ORCHARD BANK. 

46. In July 2011 the Defendant failed to communicate to Experian that the 

Account was disputed. 

47. In July 2011 the Defendant did not communicate to Experian that the 

Account was disputed. 

48. Prior to July 2011 the Defendant did not communicate to Experian that the 

Account was disputed. 

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49. As of July 27, 2011 the Defendant did not communicate to Experian that 

the Account was disputed. 

50. The Defendant’s purpose for communicating the information on the 

Account to Experian was to attempt to collect the Account. 

51. The information communicated to Experian by the Defendant in July 2011 

on the Account conveyed information regarding the Account directly or 

indirectly to Experian. 

52. The information communicated to Experian by the Defendant in July 2011 

on the Account constituted a “communication” as defined by FDCPA § 

1692a(2). 

53. The only reason that the Defendant communicated the information 

regarding the Account in July 2011 to Experian was to attempt to collect 

the Account. 

54. Upon information and belief in 2011 the Defendant regularly reported 

information on account(s) that it was attempting to collect to Experian. 

55. Upon information and belief in 2011 the Defendant regularly reported 

information on account(s) that it was attempting to collect from individuals 

residing in the state of Colorado to Experian. 

56. Upon information and belief in 2011 the Defendant reported information to 

Experian on account(s) that it was attempting to collect from over 100 

individuals residing in the state of Colorado. 

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57. Upon information and belief in 2011 the Defendant regularly reported 

information on account(s) that it was attempting to collect to Transunion. 

58. Upon information and belief in 2011 the Defendant regularly reported 

information on account(s) that it was attempting to collect from individuals 

residing in the state of Colorado to Transunion. 

59. Upon information and belief in 2011 the Defendant reported information to 

Transunion on account(s) that it was attempting to collect from over 100 

individuals residing in the state of Colorado. 

60. Upon information and belief in 2011 the Defendant regularly reported 

information on account(s) that it was attempting to collect to Equifax. 

61. Upon information and belief in 2011 the Defendant regularly reported 

information on account(s) that it was attempting to collect from individuals 

residing in the state of Colorado to Equifax. 

62. Upon information and belief in 2011 the Defendant reported information to 

Equifax on account(s) that it was attempting to collect from over 100 

individuals residing in the state of Colorado. 

63. In the year prior to the filing of the instant action the Defendant and / or 

representative(s), employee(s) and / or agent(s) of the Defendant 

attempting to collect the Account made telephone call(s) to the Plaintiff

and had telephone conversation(s) with the Plaintiff. 

64. In the year prior to the filing of the instant action the Plaintiff called the 

Defendant in response to the telephone calls from the Defendant. 

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65. The telephone call(s) / conversation(s) between the Plaintiff and the 

Defendant and / or representative(s), employee(s) and / or agent(s) of the 

Defendant in the year prior to the filing of the instant action each 

individually conveyed information regarding the Account directly or 

indirectly to the Plaintiff. 

66. The telephone call(s) / conversation(s) between the Plaintiff and the 

Defendant and / or representative(s), employee(s) and / or agent(s) of the 

Defendant in the year prior to the filing of the instant action each 

individually constituted a “communication” as defined by FDCPA § 

1692a(2). 

67. The telephone call(s) / conversation(s) on June 14, 2011 between the 

Plaintiff and the Defendant and / or employee(s) of the Defendant each 

conveyed information regarding the Account directly or indirectly to the 

Plaintiff. 

68. The telephone call(s) / conversation(s) on June 14, 2011 between the 

Plaintiff and the Defendant and / or employee(s) of the Defendant each 

constituted a “communication” as defined by FDCPA § 1692a(2). 

69. On information and belief the Defendant made an audio recording 

and/or audio recording(s) of its telephone call(s) / conversation(s) 

with the Plaintiff on June 14, 2011. 

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70. On information and belief the Defendant has a copy or copies of the 

audio recording(s) of its telephone call(s) / conversation(s) with the 

Plaintiff on June 14, 2011. 

71. On information and belief the Defendant made audio recording(s) of 

some of its telephone call(s) / conversation(s) with the Plaintiff in 

the year prior to the filing of the instant action. 

72. On information and belief the Defendant has a copy or copies of 

some of the audio recording(s) of its telephone call(s) / 

conversation(s) with the Plaintiff in the year prior to the filing of the 

instant action. 

73. On information and belief the Defendant made audio recording(s) of 

all of its telephone call(s) / conversation(s) with the Plaintiff in the 

year prior to the filing of the instant action. 

74. On information and belief the Defendant has a copy or copies of the 

audio recording(s) of all of its telephone call(s) / conversation(s) 

with the Plaintiff in the year prior to the filing of the instant action. 

75. On information and belief the Defendant’s copies of the audio 

recording(s) of its telephone call(s) with the Plaintiff in the year prior 

to the filing of the instant action substantiate the Plaintiff’s 

allegations in this action. 

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76. On information and belief the Defendant has electronic record(s) 

and/or computer record(s) and/or paper copy(s) of the information 

that it communicated to Experian on the Account. 

77. On information and belief the Defendant has electronic record(s) 

and/or computer record(s) and/or paper copy(s) of the information 

that it communicated to Experian on the Account in July 2011. 

78. On information and belief the Defendant has electronic record(s)

and/or computer record(s) and/or paper copy(s) of the information 

that it communicated to Experian on the Account prior to July 2011. 

79. On information and belief the Defendant has electronic record(s) 

and/or computer record(s) and/or paper copy(s) of the information 

that it communicated to Experian on the Account after July 2011. 

80. The Defendant’s action(s) constitute false and misleading 

representation(s) and mean(s) and violate FDCPA 1692e preface, e(2)(A), 

e(8) and e(10). 

81. The Defendant’s action(s) constitute unfair or unconscionable means to 

collect or attempt to collect a debt and violate FDCPA 1692f preface. 

82. The FDCPA is a “strict liability statute,” and Plaintiff need only “show one 

violation of its provisions to be entitled to judgment in her favor.” Ellis v. 

Cohen & Slamowitz, LLP, 701 F.Supp. 2d 215, 219 (N.D.N.Y. 2011). 

83. As a consequence of the Defendant’s action(s), the Plaintiff has 

sustained damages pursuant to FDCPA § 1692k. 

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COUNT I, FDCPA VIOLATION 

84. The previous paragraphs are incorporated into this Count as if set forth in 

 full. 

85. The act(s) and omission(s) of the Defendant constitute a violation of the 

FDCPA § 1692e preface, e(2)(A), e(8), e(10) and § 1692f preface. 

86. Pursuant to FDCPA § 1692k the Plaintiff is entitled to damages, 

 reasonable attorney's fees and costs. 

JURY TRIAL DEMAND 

The Plaintiff is entitled to and hereby demands a trial by jury. U.S. Const. 

amend. 7., Fed. R. Civ. Pro. 38. 

PRAYER 

WHEREFORE, the Plaintiff prays that the Court grants the following: 

1. A finding that the Defendant violated the FDCPA and/or an admission from 

the Defendant that it violated the FDCPA. 

2. Damages pursuant to 15 U.S.C. § 1692k(a). 

3. Reasonable attorneys fees and costs pursuant to 15 U.S.C. § 1692k(a)(3). 

4. Such other and further relief as the Court deems just and proper. 

Respectfully submitted, 

_s/ David M. Larson ________ 

David M. Larson, Esq. 

405 S. Cascade Avenue, Suite 305 

Colorado Springs, CO 80903 

 (719) 473-0006 

 Attorney for the Plaintiff 

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