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.
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