What do I do now? Dealing with Cambece Law office

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.

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

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...

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.

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?

was the fact that he was supposed to pay in the divorce settlement.if so then they should go after the ex-husband.not you.

No. Just a verbal. Actually still married. Just so many issues. What can I do?

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 (JA Cambece) 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?

send a DV and C&D letters asap.send them certified mail return receipt.make this place prove they have the right to collect.never admit to anything to a CA over the phone.this is a bottomfeeder.send those letters out.

I do owe the debt. The sample DV letter makes it seem like I disputing it. I am not, but I need to make payments and the lawyer at Cambece said they will only take payment in full. Should I try to contact Empire/GE Money and work with them directly? I am so upset.

I called the orginal creditor, GE Money, and was told the account had been sold to Arrow. I called Arrow and was told the account was sold to Collect America. I called them and was told the account was sold to Cambece Law. My question now is...who do I deal with? I want to take care of this debt. I want to make payments. Do I deal with Cambece?
Here's my plan...send a C&D letter saying that I only want contacted via mail. Ask them to accept a payment plan. Pending acceptance of plan, I will mail them the first payment. Do you think that will work?
PLEASE...help. They are calling me so many times a day!

here's the deal.you could contact the OC and try to pay through them.my point is that they broke the law talking to you like that.find out from EMPIRE if this place is supposed to be collecting.i know,you say you owe but do you owe them?again they broke the law speaking to you like that and it is your legal right to find out if this place has legal right to collect.

I tried. I called GE Money and was told that the account was sold and there is nothing they can do. Cambece was just awful!

well then that's what debt validation is for.if they can't validate the date.since they bought it they can't.they must stop all collection activity until the can validate.you see,they bought this debt for pennies on the dollar.i wouldn't try for a payment plan offer to settle it.a DV letter will help in that respect.if you still want to pay the full boat,then file AG complaints against them.again they are breaking the law threatening like that.at least use your AG to curb the abuse.that is what AG'S are here for.

Thanks for the information. This site is so helpful.

If you pay Cambece they will still say that they never got any payment. Let the Worcester lawyer finish his job. For now Cambece has a lot law suit especially in the Northeast

The guy who is suing Cambece already paid his debt but still JA Cambece wants more money.

They are going to be out of business soon after all those law suit against them.

if you receives a harassing letter talk to the Worcester lawyer.
I WANT TO PAY MY DEBT IF CAMBECE DOES NOT COOPERATE THEY WILL GET NOTHING FROM ME.

If they want to garnish your Wages let them. it will be the same like paying them for payment plan but you pay the court not Cambece. Get a Validation of the debt and the Merit

Doesn't matter if you owe the debt you need proof and the law supports that. File at the Federal Trade Commision for Harassment,extortion and anything that you experience with this unprofessional collectors. If they want to sue they should have did that on day one without any warning but they so damn that they have to harass a creditor first before filing a law suit.

You can find th ecopy of the law suit my searching JA CAMBECE Lawsuit

they didn't call me on my cell phone, which they had, instead they called past and current employers until they got ahold of me. they had me in tears too, they asked me how i could get a car (which they found in my credit report) if i had any debt. they were unwilling to work with me initially, then for some reason, the woman decided to be nice to me. they are allowing installment payments that will equal the full amount of the debt. my problem is that CACH is now reporting on my credit report as unpaid, which is inaccurate since I am in an arrangement with Cambece. What do I do? Should I have not agreed to the arrangement? I do owe the money and want to repay it and be done with the debt. Am I getting swindled?

I just had a lovely chat with one of the reps. from Cambece's office. I offered to settle for what they OC offered before charge off, but I would have to make payments on it, I just can't afford to pay a lump sum and they refused and said I was refusing to pay and I said no I'm not refusing to pay, ya'll just won't accept what I can afford to do. Anyway, they precede to threaten to advise their client (CACH) to take legal action. So, I guess I will just have to sit back and wait and see what happens next. Just thought I would share my experience with others out there who may be dealing with these people.

File a complaint at the Attorney's General Office Massachusetts and Federal Trade Commission

Tell you want to pay your debt by Monthly payments but Cambece doesn't want any payment plan.

You want to pay your debt but Cambece wants the whole amount and after paying the whole amount they will sell again your debt to another collector and your payment will be worthless.

Used the name Michelle fof Cambece. I will spread her last name on the Internet soon

goodluck

Hi everyone -

Very helpful site! I recently received a letter dated 5/22/09 to a court house near my old address moving a court date to a court house near my NEW address saying that I am being sued by CACV of Colorado for credit card debt.

I called them and they would like me to make THEM a settlement offer. I have promised to call them back next week after explaining my financial situation. Is this court date for real? How do I clear this up without going to court? Do I have to go to court?

Not much time! Thanks! HELP

first you check with your court clerk to make sure the summons is real.if it is go down to the courthouse and inquire as to how to proceed.do not take any CA'S word for anything.

The ones that had GE MONEY collecting should of used them including myself but didnt. The GE Money employees were very friendly to me at all times but because of the situation I am and was in , I couldnt pay them right away. I should of accepted their EPP but I messed it up.

Now I have to deal with J.A. CAMBECE. I finally contacted them and of course they wont accept small payments. I explained to them thats the best I can do for a couple of months. They wouldnt accept that. They wanted me to try to borrow etc. etc. etc. I told them no.

I told them I would send a small payment every month. They said no. They would of took a small payment if I gave them my checking acct. info but I told them no deal!! I will not give out info.

Now my question is , how do I deal with them? Should I send them a letter with a money order payment stating that I would agree to a monthly payment and if they accept , they can cash the money order or send it back???

Would really like a few suggestions.... Thanks...

the class action law suit was settled w/o admission of guilt...do you know what they got??? $11.50 each ...was it really all worth it?

yes it was.in fact there should be more against this bottomfeeding bunch of knucklescraping mouthbreathers.lawsuits i mean.

I am also going through problems with Cambece law firm. I had a credit card debt through Washington Mutual and they are now owned by Chase. I finally spoke with them on my cell phone (they also called my parents home phone number) and they were RUDE to me. Mr. Jordan wouldn't tell me his first name. (I found out it was Corey) He said my debt had been sold to them. He told me I needed to borrow the money or ask someone to transfer the balance onto someone elses credit card so I could make payment in full right now. I explicitly told him I am in school, I am living on my own and struggling but I was more than happy to work out a payment plan with them. And he was threatening my future and my education and future work experiences with bad credit. He said no one would hire me with bad credit because a lawyer had to come after me to get the money out of me. He told me I was unwilling to pay and my refusal to pay would be a way they would get the money out of me however they could, even though I had stated at least 10 times I would be MORE than happy to set up a payment plan. The guy was rude, nasty and scummy. Any tips for what I should do?

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Hey Unclewulf,

You seem to know Cambece and the process of dealing with them well. I have also been harrassed by them to settle a debt. I did receive something in the mail that appears to validate the debt (at least the original debt). The letter has the correct amount and account number from the original (Capital One). It has apparently been sold to Midland Funding - cambece's client.

They pushed very hard to settle just as everyone else has described. I pushed back and have them down to a settlement of 40% of the original. We are comfortable doing this as long as it's legit. They are apparently sending me a letter stating that once they receive my payment they will report to all credit bureaus and the debt was paid/settled in full. I asked to include something stating that they are licensed to collect debt in my state (CT) and provide me with license numbers. They claim they do not do this but my attorney can call. I also asked them to state that they will not sell the debt back to capital one or another CA and they told me they are not a CA and cannot include that language.

Ultimately, I want to settle this and move on. However, I am fearful that I am going to send them the settlement amount and find out the debt was sold again and my only recourse will be to sue them to recoup. Any thought are helpful.

As everyone else has been, I am being pressure to take their settlement offer immediately. I will tell everyone this, everytime I have called them on their bluff, they have caved. The amount has gone down considerably. The "deadlines" have all passed with no consequence. The last argument came when I agree to an amount but said I would not give my banking information. She blew up at me saying I was going back on my word and there was no more settlement. Again, I pushed back a lot and viola, I still have a settlement and can pay on my terms (certified check via fedex). My question now is, do I want to actually take their settlement and send them any money? I have no idea if this is dealing with the issue or just paying some scam artist and delaying the next inevitable call. Any thoughts?

Scott

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Evenin' Scott -

Sorry this is long, bud. But hey, you asked me to think about it...

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That's just it, you can't trust any of these CA, if you agree to a settlement and ask for it in writing, how do you know they aren't going to try and pull a fast one on you? That has been the hardest thing for me in dealing with CA, I just don't trust anything that they say or do. I dealt with Cambece back last year, and did nothing but argue with them, never came to any agreement, they threatened of course, the usually " that they would advise their client to proceed with further action". It has since been moved to another CACH attorney one in Las Vegas, I only got a letter from them, never a call and then a month later, they moved to P. Scott Lowery. I've been doing the song and dance with them for the past couple of months, of course they want me to do something that I can't, I can say they did offer a good settlement, but I can't do it on the terms that they want. Anyway, unless Cambece it licensed to practice in you state he can't sue you, it will have to go to an attorney licensed in you state, yes, Cambece is very pushy and hard to deal with. If you have the money to settle, then you might go that route if you think you can trust them, but I would be sure to get it in writing for whatever it may be worth. It's very hard to know exactly what to do.

Just got off an interesting call with these people. They state that their "attorney" wants to know if I am willing to settle this "in house" on a card I have never heard off... Metris?? Anyhow they start telling me that they have called numerous times with no response and I tell him back "yes I know because I sent you a certified letter back in NOV" they now state they haven't received it. I have the receipt in the file at home. He starts in on me again and I tell him that I am not agreeing or disagreeing with anything one the phone in order to protect my best interest. So Joseph Medero (sp) says " it sounds like you are unwilling to discuss this matter so we will have to do what we have to do and make a recommendation to our attorney" I responded with that is not what I said and I have requested documents to validate this and have yet to receive anything and I do not know what Metris is. I think they were trying to be polite and on the verge.. .I can definitely tell they don't like dealing with people who know what is happening.

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Mr. Baez and Manny from Cambece Law Office, Denver, Co called me at work and took me by surprise so instead of hanging up on them I listened to their harrassment for about 15 minutes. This was on the 19th of Aug/2010. I am being represented by a Credit Solution Co. They said the Co. was illegal. I filed a complaint with the Federal Trade Commission for harrassment. The Credit Solution Co. was informed and contacted them saying they had limited power of attorney concerning my debts. If they call again, I will file another complaint with the FTC and the Attorney General of Colorado. What else can I do?

Please help, try doing my mortgage refi so I pull my credit report of my own and have this collection item on it that I never aware of. so I filed my dispute and was be able to delete the record from TransUnion but not from Equifax. According from Equifax this collection was verifyable from one of my medical bill and shown status of paid in full but will not remove. so i do some Googling to find out this page. is this the same agency? and what should i do next to have this item remove from my Equifax credit report?

4340 S MONACO ST FL 2
DENVER, CO 80237
(303) 296-3345

all ways go to court so you can make under the payment plan :) it work as i just sending them $20 every month and never tell them u own a house a car. and one thing there can not withhold money from a check it not a irs so there got no right to doing that.
remember it your money and you can pay anything u want and in a time manner to you not to them. first place there should not buy the debit if there can get all the money back in one day.

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I found this site to be most helpful to me.

They are a non profit agency that helps people with your kind of situation.

There is a free download of the FDCPA, collection rights.

Make sure your information and advice you get! is Valid.

Good Luck!

Link removed per terms of service. ~OG

Hello,
I just got a call for the first time from this office (Cambece), and I am not in a position right now to pay anything, & certainly don't want to attempt to speak with them! I live in California now. Would it be terribly bad to just ignore them for now, until I'm in a better position, or should I engage in sending them a letter like you suggested? Does this law firm ever sell the loan to someone else so I don't have to deal with them? (they sound awful to deal with) Also - does filing bankruptcy negate this debt from Cambece's office? I'm just wondering - I've been trying to avoid that.
Thank you!!

I just got a call from Cambece office telling me that our capital one was sold to square 2 financial. I told Henry that I had no idea what he was talking about and that we were never told cap one sold our loan. I told him I'd have to check on this. He put me on hold but we got disconnected. He then called my daughter's phone asking her for our number and saying he was trying to collect on a past due loan. I called cap one and found out they did sell it. I called square 2 financial and all they said was you'll have to call our attorney's office. I called Cambece's office back and was told we have until the end of the month to pay this off. I told them we didn't have that kind of money. They said I have until tomorrow to call them with a solution or they will call the lender and tell them to continue with the lawsuit. HELP

If you have just been called by Cambece, you must tell them that you require a debt validation letter or they will make your life hell for the next week. If you request the letter and they continue to call, it is against the law. Found elsewhere:
Many consumers do not know that it is a violation of the Fair Debt Collection Practices Act for the Law Office of J.A. Cambece - or any other debt collection agency - to contact a consumer who has asked for debt validation until the validation is sent in writing.
Until you receive the validation letter, it is illegal for the J.A. Cambece Law Office to continue to contact you. It is against the law for a debt collection agency to refuse to provide a validation letter. In addition, you have the right to dispute the debt, providing you do so within 30 days of receiving a written notice from a debt collection agency.
If you are harassed by the J.A. Cambece Law Office after requesting a validation letter, or you never receive it, contact a fair debt attorney right away. By contacting a fair debt lawyer, you are asserting your rights as a consumer. You are not legally bound to pay a debt that doesn't belong to you, nor a debt that cannot be proved in written documentation.