Complaint Review: JA Cambece Law Office - PEABODY Massachusetts

First, Never pay a Debt. When you borrow from a bank, credit card, or mortgage co. They are paid by the Federal Government for that debt. Anythiung that you pay on that debt is gravey to the lender. Second. Collection agencies are a fraud. The service that they offer to these institutions is criminal. In the 1970's Congress passed some Laws controlling their actions. I recommend that you go to http://www.gpoaccess.gov/uscode/index.html Title 15 Chapter 41, Sub Chapter V. Debt Collection Practices A Sample: TITLE 15 - COMMERCE AND TRADE CHAPTER 41 - CONSUMER CREDIT PROTECTION SUBCHAPTER V - DEBT COLLECTION PRACTICES -HEAD- Sec. 1692d. Harassment or abuse -STATUTE- A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section: (1) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. (2) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. (3) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a(f) or 1681b(3) (FOOTNOTE 1) of this title. (FOOTNOTE 1) See References in Text note below. (4) The advertisement for sale of any debt to coerce payment of the debt. (5) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. (6) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the caller's identity. The penalty for violation of any of these is; "debt satsidaction, $10,000 fine per incident, 10 years imprisonment or both. The federal Courts support these Laws, so send a copy of these Laws to your CCS and have them send them on to this Law Firm, to think about. Your debt had been paid.

Jaclyn, You really should have never made any payments to those lowlife. I hope you made them validate it first, and also hope it was not past SOL. Never pay a debt collector, always make them spend the time and money to sue you. Most won't, because most CAN'T! And they know it. That is why they get so nasty. To pressure you into doing something against your best judgement. By paying on that debt, you have legally re-affirmed it whether it was legally collectable or not, and you restarted the 7 year negative reporting on that debt. Thats right, NEGATIVE reporting. Paying on an old debt or collection account can ONLY hurt you. It will not get it off your report. Also it is illegal for a collector to add any fees to a debt without them being granted by a court. It is also illegal for them to threaten the garnishment of your wages. And it is illegal for them to call any third party more than once, and that can only be to establish your whereabouts. They cannot even say it is regarding collections or that they are collectors. Any of these violations are worth up to $1000 plus costs. Cambece is a very low form of scum, and is one of the worst in the industry as far as violating the law. File the bar assoc complaint against him as well as complaints online to ftc.gov for the violations of your rights under the FDCPA. FYI...Credit counseling programs..Very bad move..

asked them if they would perfer that you file for bankruptcy, in which they get NOTHING or would they rather have what they are getting. Then tell them that you will no longer speak with them. If they need to communicate with you they are to write you a letter or speak with you CCC counselor, but they are NO longer allowed to call. Send them a letter, RRR/CM stating this.

asked them if they would perfer that you file for bankruptcy, in which they get NOTHING or would they rather have what they are getting. Then tell them that you will no longer speak with them. If they need to communicate with you they are to write you a letter or speak with you CCC counselor, but they are NO longer allowed to call. Send them a letter, RRR/CM stating this.

asked them if they would perfer that you file for bankruptcy, in which they get NOTHING or would they rather have what they are getting. Then tell them that you will no longer speak with them. If they need to communicate with you they are to write you a letter or speak with you CCC counselor, but they are NO longer allowed to call. Send them a letter, RRR/CM stating this.

asked them if they would perfer that you file for bankruptcy, in which they get NOTHING or would they rather have what they are getting. Then tell them that you will no longer speak with them. If they need to communicate with you they are to write you a letter or speak with you CCC counselor, but they are NO longer allowed to call. Send them a letter, RRR/CM stating this.

You might do better with a bar complain than just talking to them. Make sure you have copies of all monies sent to them. Good luck.