Horton v. Cavalry Portfolio Services, LLC
CPS TCPA Settlement

Welcome to the CPS TCPA Settlement Website

A settlement has been reached with Cavalry Portfolio Services, LLC ("Cavalry") in two class action lawsuits.  Plaintiffs allege in the lawsuits that Cavalry is liable under the Telephone Consumer Protection Act, 47 U.S.C. § 227, et seq ("TCPA"), for calls it made to cell phone numbers while attempting to collect debts using what Plaintiffs contend are automatic telephone dialing systems, the Aspect Ensemble Pro system, or the Avaya Proactive Contact 5,0 system, without consent.  Cavalry denies that it violated the TCPA and specifically denies that it used an automatic telephone dialing system to call any class member without prior express consent.


What does the Settlement provide?

Cavalry has agreed to establish a Debt Relief Fund of up to $18,000,000, and to establish a Cash Fund of $6,150,000. If you have an Open Account with Cavalry, you could have claimed a pro rata share of debt relief of up to $599 or claimed a pro rata share from the Cash Fund. You could have claimed debt relief or cash but not both. If you have a Closed Account with Cavalry, you could have claimed a pro rata share from the Cash Fund but not debt relief. The Cash Fund will also be used to pay Class Counsel’s attorneys’ fees and costs, pay incentive awards to the Class Representatives, and pay costs and expenses of settlement administration. Any remaining monies from uncashed checks may be redistributed in one further distribution to valid claimants. However, if a further distribution would be administratively infeasible (e.g., less than $1 per qualifying claimant), the remaining monies will instead be donated to a not-for-profit public interest organization, The Jump$tart Coalition for Personal Financial Literacy.

Am I a Class Member?

You are in the Settlement Class if you were called by Cavalry on a cell phone while it was attempting to collect using the Aspect Ensemble Pro or the Avaya Proactive Contact 5.0 dialing systems between February 8, 2009 and January 26, 2016. Excluded from the Class are individuals who are not or were not regular users or subscribers of cell phones associated with the 1,035,232 Open and Closed Accounts, are officers or directors of Cavalry or of any Cavalry affiliate, any justice, judge, or magistrate judge of the United States or any State, their spouses, and persons within the third degree of relationship to either of them, or the spouses of such persons, and all persons who validly excluded themselves or opted out of the Settlement Class.


Submit a Claim Form This is the only way to get debt relief or a cash award. If you failed to submit a claim, you will not receive a settlement payment. Class Members who submitted a claim give up their rights to sue the Defendant about the claims in this Litigation.

For more information about submitting a claim for open accounts, see FAQ No. 6 and for closed accounts, see FAQ No. 7.
July 29, 2020
(Postmarked or Submitted Online)
Exclude Yourself or "Opt Out" of the Settlement If you are a Class Member and excluded yourself, you will not be included in the Settlement. You will receive no Settlement benefits and you will keep any rights you currently have to sue the Defendants about the claims in this case. See FAQ No. 9 July 29, 2020
Object to the Settlement You could have written to the Court about why you believed the Settlement is unfair. Even if you filed a valid and timely objection, you could have still submitted a claim form to receive a payment. See FAQ No. 12 July 29, 2020
(Postmarked and Filed with Court)
Go to a Hearing

U.S. District Court
Southern District of California
333 West Broadway
San Diego, CA 92101
Class Members also had the option to request to speak in court about the fairness of the Settlement. See FAQ No. 13

October 13, 2020


Do Nothing If you did nothing, you will get no debt relief or payment. You also give up your rights to sue the Defendant about the legal claims in this case. See FAQ No. 15.  

For More Information

Visit this website often to get the most up-to-date information.


CPS TCPA Settlement
c/o JND Legal Administration
PO Box 91237
Seattle, WA 98111