I received a collection letter from J.A. Cambece Law office dated September 13,2006, postmarked Sept. 18. I called them back to set up a settlement plan & was told that I had 2 days to repay the debt of 2,520.58, which was a charged off credit card from Household Bank. I suppose that they sold the debt to CACH, LLC, who is now listed as the owner of the debt. When I called to set up a payment plan to repay this debt, I was told that no payment plan was available. I had to pay the amount by Sept. 30 or else they would advise their client to file a lawsuit against me in which case a lien would be made against my house & property or my wages would be garnished. I said I needed time to find a way to come up with the money. They told me I had 2 hours & I should find a family member or a bank loan in order to pay this amount. I called back when my daughter said she would help me. She gave me her checking account number & bank information, which I then called promptly back & gave to the law office. I was so worried about it. Unfortunately, it was that same time frame in which my daughter had fraudulent activity in her checking account & the funds were not available when the check came through her bank. Once she got her account back on track & a new visa card issued, she promptly called J.A. Cambece law office & told them what happened & offered to pay the amount owed with her debit card. They said that would be fine, however they needed her signature. So she emailed a copy of her information back to them. Two days later they called her back & said that they did not get her information. She said that the information was there. Then they called back, said they found the information, however it came back declined. Once she called her bank & found out that there is a $1,000 limit per day on VISA transactions, she called back & told them they could split it over a couple of days. That was unacceptable to them. Once she asked to speak to the manager, they never contacted her back. However, in the meantime, my son-in-law did some research on the Internet & found your website & all of the bad feedback on CACH & this attorney. So, my daughter put a block on her visa & her checking account for this law firm. What should I do from here? I pulled my credit report & the amount that Household Bank shows as being charged off is $1,483. I contacted Household Bank & they gave me the name of a company callled Forward Properties, Inc - with a phone number, so I called them & they said they sold the account to Collection Agency America & gave me the phone number. So I have been trying to get in touch with them & there is no one available to talk to me so far. Also on my credit report, it shows that this law office JA. Cambece & Collect America both did an inquiry into my credit. The thing that bothered me is that both are separate credit checks, however, both have the same address: 370 17th St., Ste. 5000, Denver, CO 80202 with phone numbers that are 303-296-3350 for the attny & 303-296-3345 for the Collect America. The address on the letter I received is from Peabody, Massachusetts
Please, if you have any advice, it would be greatly appreciated. I want to pay the debt....the amount that I owe...and am willing to do that. I just need the safest way so that they don't keep coming back at me.
Thank you for your help!
Sincerely,
Debra Baum
I'm going through the same situation. Could you tell me what was the out come of your situation.
Thanks Erika!
I filed a complaint at Federal Trade Commission and Masschusetts Attorney Generals Office and Mass Bar Association.
I only talk to them twice and they were extorting me for money and asked for my checking account number and threated to sue me if I didnt pay them.
The law suit never came and I filed a complaint
That what you do with this people who are not cooperating to the debtor that are willing to pay their debts including me
Wow. I hate to say it, but you should never have dealt with this company the way(s) you did. Unfortunately, most people don't know the right approach to use. Here is what I recommend at this point:
1st off, you should tell your daughter to immediately close that checking account and open another one with a different checking account number. NEVER give anyone your personal information like that! Checking account and routing numbers, signatures, etc. have a way of ending up on the wrong documents and/or sold to other companies; it is very illegal, but it happens all the time and people lose a lot of money this way. Close that account immediately!
You should only contact this company (or any co. looking for money) via certified mail, return receipt requested (CMRRR) from now on. You need to have written proof of every correspondence. DO NOT call them or accept calls from them anymore!
I would send them a letter immediately, CMRRR, stating that you are willing to pay this debt in full under certain conditions:
1) that they supply you with a bill that states the entire amount you owe, including any fees or interest that may have incurred.
2) that they supply you with proof that they are licensed in your state to collect this debt from you, including the license(s) number(s).
3) That BEFORE you send them payment in full (PIF) that they send you a letter stating that this debt will not be transfered or sold to the original creditor and/or any other collection agency (CA) and the account will be closed, once PIF is received.
4) That they agree to amend ALL of your credit reports to reflect that the account has been PIF and closed, once they receive PIF.
Once you receive a letter with the proper assurances, you can then send them payment, in the form of a money order ONLY. You should only ever give a CA your name and current address, NEVER give them access to your finances.
For more information, search the internet for debt validation letter templets, the Fair Debt Collection Practices Act and other ways of dealing with CAs.
I hope this works out for you. Good luck.
Posts: 4630
Credits: 30706.478992208 Send message to NASCAR_Devil
Pants....the OP posted this 2 years ago. Pay attention to the dates on posts
JA CAMBECE IS BEING SUED IN WORCESTER, MASSACHUSETTS
12,569 people who were harass by Cambece.
A class action law suit if you received a letter fro JA Cambece you might in included in the Class action law suit.
I was going pay my debt TO JA Cambece but the way they talk to me was unacceptable. They got a taste of their own harassment
Posts: 108
Credits: 2029.5 Send message to sphere
LOL...I've still got my letters from them. They are an interesting bunch....
They also never validated anything I asked them too...cool. I hope they get taken down...
Sphere is so poor, she can't even afford an idea!
Posts: 1167
Credits: 7488.25 Send message to FloridaRon
To tell the truth, I don't think I ever got the first written letter from them. They also never responded to my request for validation; this was done waaaaay back in October 2007.
What I did get from them, though, was a message on my mother's answering machine divulging all my personal business. Even though my home phone number has not been changed since 2000.
I have not heard from them since I sent the DV letter and they do not show up on my CBR's.
Sorry Meg. Daddy loves ya, but Daddy also loves Star Trek, and in all fairness, Star Trek was here first.
... Peter Griffin/Family Guy
-
How do I get in on that law suite in Worcester, they had me in tears
I received a letter from them in october last year and havent heard anything out of them since.
I had a default on an Empire carpet account. Same old story...marital trouble...ex-hubby was supposed to be paying. Got a letter from attorney yesterday saying call to make payment. I called and was harassed! Told to call family, sell something in my house, etc. Had me in tears. I owe the debt...what can I do?
Pages
Add new comment