Complaint Review: JA Cambece Law Offices CACV Of Colorado LLC - Peabody Massachusetts

Hi. 

I figured I would come here and see if I can figure  out what is really going on.  You see, I recieved a call from out of the blue by G***** at Cambece.   This is how the call went. (They got my answering machine.) 

You have reached....

Hello Mrs M*** (badly mangled) this is G****** from JA Cambece law.  We need you to call us back at 1 866 246 7672"

Now, correct me if I am wrong, but as a collector, even a law firm, is supposed to state that they are a collector, that this is an attempt to collect, and preferably what company they are collecting on behalf of.

Furthermore, they gave no hours, no reason for the call, and nothing but a contact number.

I have received no charge off notices, of late, and the last one I did was from 04 and was cleared off with a chapter seven.

I guess my questions are these:

1 Are they, or are they not supposed to identify themselves as debt collectors, or at least say that this is a business call?

2 Are they or are they not supposed to leave a call back number including name phone and hours?

3. Are they or are they not supposed to contact you before hand with your account number, because at this moment I can't tell you who they think they are collecting for.

I have also recieved no account number, no notice of default.  And, for those of you who will harague me, I have been trying to stay out of collections but being a Substitute teacher (on call, classified as an independant contractor) I do not qualify for aid, and I have been displaced from my retail job.

I have some ANSWERS I have some ANSWERS for the DEBT COLLECTOR EMPLOYEE above. Please pause to think about each question before READING THE answers . 1. Did I borrow the money?*** OR was it somebody else???? 2. Did you spend the money? ***OR did somebody else spend the money? 3. Did you repay the money?***NOT MY MONEY TO SPEND 4. If I borrowed $2000.00 from YOU, I WOULD NEVER LOAN OUT WITHOUT COLLATERAL-----CAR TITLE/HOME TITLE, ETC 5. If I didn't pay it back would you call me?***NO, I WOULD REPO WHAT WAS NOW MINE 6. If I didn't pay it back would you write me some letters?****NO, I WOULD TAKE WHAT YOU GAVE ME IN PLACE OF $2000.00 7. If I still didn't pay it back, would you sue me?***NO, I WOULD ALREADY HAVE MY $2000 8.HONESTY******AS MUCH AS DEBT COLLECTORS ARE. 9. Are you unfamiliar with the concept of 'integrity'?****NO LIES FROM ME 10. Are you unfamiliar with the concept of 'personal responsibility'?***DO IT EVERYDAY 11. Are you as proud as you seem to be of getting away with theft, and fraud, which is what an unpaid bill is, not necessarily legally, but in reality?***ONLY A COURT OF LAW CAN PROVE THIS. WHAT HAPPENED TO INNOCENT UNTIL PROVEN.... 12. Have you ever considered doing the right thing just because it's the right thing to do? ****ARE YOU DICTATING WHAT IS RIGHT FROM WRONG? YOU HAVE NOT SHOWN WHAT IS CONSIDERED WRONG. THEFT AND FRAUD ARE FELONIES, IF AND WHEN CHARGED/TRIED/AND CONVICTED IN A COURT OF LAW.

My neighbor and friend received a call from Cambece, at his work and stated he was a lawyer and needed to get in touch with my husband. The only way I could figure out is they both worked together at a prior job. He has been receiving recorded messages on his home phone but this is the first one he received at his employment. He took the message down and told told them to stop calling him. This happened on Friday and I haven't heard from him yet today. When I called them back, they had problems finding my husbands name. I told both him and the "lawyer" he put on the phone I was not my husband. I was told they represent the "original creditor" and told me as long as I agreed to pay 2/3 of the amount due they were get in touch with their client to see if they would accept them. I was told I had to give them a check by the end of the day, the call was at 4:00pm and they were located in Colorado. Seeing my husband returned to work after being unemployed for six months and I was just laid off from work, I asked about the Hardship loans, reduce monthly payments and low interest charges. We were not walking away from any of our obligations, we just needed extensions and payment plans. The "lawyer" reviewed my husband's credit report with me, stating since my husband was paying two car loans on times, we could default on both loans for one month, and send them the check. She then started getting very forceful, telling me I didn't understand why I shouldn't do it and the car companies allow us to default one month. We were driving around in two newer cars, paying them off in time, we should pay her instead. I told them I would be in contact with the original creditor, and work out a payment plan with them.

I have some questions for the debtors above. Please pause to think about each question before giving your answers (to yourselve's alone of course). 1. Did you borrow the money? 2. Did you spend the money? 3. Did you repay the money? 4. If I borrowed $2000.00 from YOU, would you expect me to pay it back? 5. If I didn't pay it back would you call me? 6. If I didn't pay it back would you write me some letters? 7. If I still didn't pay it back, would you sue me? 8. Are you unfamiliar with the term "honesty"? 9. Are you unfamiliar with the concept of "integrity"? 10. Are you unfamiliar with the concept of "personal responsibility"? 11. Are you as proud as you seem to be of getting away with theft, and fraud, which is what an unpaid bill is, not necessarily legally, but in reality? 12. Have you ever considered doing the right thing just because it's the right thing to do? Refer back to question 1.

Save all voice mails received by debt buyers. They will mess up! and when they do most cell phone providers have a service where they can pull the message off your cell and burn it to a CD for like $5. Then sue them! I am currently doing this myself! good luck guys.

Law Firm - nope Third party scum bottom feeder debt collection agency - YES To the OP - do not listen the the lying debt collectors about "pay your bill" Get real - I sued one of these loser collection agencies and won - Guess what?? They will not pay me Karma is a b***h DO NOT TALK TO THEM ON THE PHONE!!!! EVER!!!! If they try to serve you with their bogus papers then go to(((Redacted))) and file a complaint asap CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.

AND I WILL GO ONE STEP FURTHER --YOU NEED TO GET AND UNLISTED AND UNPUBLISHED TELEPHONE NUMBER! they can't get an UNPUBLISHED number but you need to ask the phone company for this landline arrangement as both UNLISTED and UNPUBLISHED. I always considered collection calls to my house to be crank calls in reverse-- the kind I used to enjoy making in high school BEFORE the days of caller ids. so it gives me a chance to be creative and have a blast from the past and NOBODY ever calls me again ==well, the same person never calls again. But I can't be creative and existing and dazzling all the time so I always have an answering machine with sounds of the haunted house on it. it's lonely but I can live with it...

I was sued by Cambece. The mistake I made was when I was summond to court the paperwork indicated I had to file an "answer"..so I stupidly said I owed some of the money. I wish I could have that paper back. They were able to get a judgement on me without me being able to even go to court. Plus no one told me they had a judgement against me, so I showed up to court on the day I was supposed to. Only to find out I didn't need to be there. So now the point of my post, I'm filing bankruptcy (gives finger to Cambece..FU) Yeah I know..I suck, but I do not suck as much as the people who bought homes they knew they could not afford and now are crying because they will lose their homes. I just lost my job because of lay off twice. Yep..unlucky b*****d I am. However I did have another Debt Company make a few major errors when contacting me. I am now suing them for breaking the law. So..go ahead, as scared as you are answer the phone. Make them Identify themselves. If they do not, illegal, one word about suing you without the actual intent, illegal, any mention of taking you possesions, illegal, calling you more than twice a week, illegal, calling before 10 days after cease and desist, illegal. Make them identify the account, the original debt, the interest, ect. Soooo many ways for them to mess up. Let them give you the opportunity to sue them, answer all calls and record who it is, when they called and what they have said.

Do not answer the phone when they call. You can have a block put on thier # when they call you can also send a stop contact letter certified

Eric- You work for Cambece and you claim to be a Christian? Read Luke 11:46, and you'll find out what the Bible says about lawyers

I know Michelle personally. I worked with her personally and she's telling you the truth. She gets lied to by handfuls of debtors five days a week, but believe me when I tell you, she's GREAT at detecting BS and exposing holes in a debtor's story. Yes, there are lots of complaints from debtors regarding CLO, but that's the story with every collection firm or agency. Some complaints are warranted - most are just the debtor looking to blame anybody but himself for the predicament he got himself into. It's so easy to vilify the collection rep because you don't want his calls and know he's gonna tell you that the bill is past due. "I don't need someone to tell me what I already know" I heard not long ago. Well, apparently you DO because you let this debt sit unresolved for YEARS. And yes, the vast majority of these debts are years old. And I'm not another Cambece cronie drinking the kool-aid. I could care less about defending the man. I've never even MET the man to be quite honest. But I do know that we're HEAVILY monitored, all our calls are recorded and, little known fact, but there are video cameras all over our offices. It's a high-stress and mostly thankless job which is why I got out of the business, but Michelle did you haters a favor by telling you the honest truth about things. To the person talking about the 20 year judgment, a civil judgment obtained here does actually last for 20 years and even if it leaves your credit report, it's still a matter of public record. You can try to eviscerate Michelle if you think it makes you feel better, but she's actually being quite honest with you and nobody pays her to come onto this site and defend CLO. She does it of her own free will to elucidate the nuances of our business. If you want to put Cambece out of business, pay your bills when you're supposed to. Don't let your credit cards charge off. That'll shut us up.

ok this is my own opinion. ok go that. ok you admit her eon a site that u can not take your post off of you neglected your bill for 7 years and were proud about it. awsome good for you. guess what you were found no matter and legal it was to find your unpublished number u were found. now you think that attrny's office added on interest but you are wrong. a gredit card company can keep your acount and then charge it off 10 years later on down the road with a 1000 % increase of what the bill was. now you say u were treaded unruly their i do not see it. and i do think you are adding the sued part. the client can in your state bring you to court if they feel they will win the case. not the collections calling you. and yes it hurts the pride to ask for help but you needed it apparently for 7 years you needed it. so why is it hard to ask for help everyone needs it i need it sometimes. what you are complaining about needs to be looked at in the mirtriow not the people offering a 50% sif {settlement in full } on something you were hiding from and proud by the way for how long u hid for. pay your billl and by having someone not involved in the actual phone call egg you on and coach you. is a very bad idea. you say you wont ask for help but you will be forced by someone not hearing the whole conversation. awsome. and hanging up if u running not hiding think about that. i hope this got paid and its a balance in full on your credit report its not your fault u were behind. but for 7 years hiding and proud of it is. again pay your bill

I just love when a collector comes on here with their heads filled with nothing but propaganda from the bottomfeeders they work for. I'll take this one line by line. You wrote: Well, Mr. Steve-not-an-attorney: What I've written is entirely true and it was meant to do a world of good. The fact of the matter is you have and will never undergo the training I have gone through. Making a payment on an account hurting your credit? How is doing something positive to affect your credit with lenders HURTING your credit? Once the item is paid off in settlement or paid with a zero balance a huge positive effect takes place on the credit bureau. Granted, credit history is just that... history, and it can't be rewritten". The facts>> Paying on an old charged off accout makes the negative more recent, which lowers your credit score, AND, paying off that old charge off/collections account will now just show as a PAID COLLECTION, which is still a negative for scoring purposes . "That doesn't mean that it can't be improved! I don't dispute your argument on the statute of limitations. It's absolutely true, also making a payment sets that statute back to day 1. Very true. Who (except you, apparently) really wants to go 7 years ending phone calls abruptly"... >>The facts>>: I don't take calls from collectors as they NEVER get my phone# as it is unlisted and private. Those who do have it simply get a CEASE COMMUNICATIONS letter from me, so when they violate, they pay me. Very simple. ...."because your minutes are running out on your prepaid phone for seven years? That's what you can look forward to because a cell phone company won't even entrust in you a normal rate plan"! >>The facts>> I have never used a prepaid phone, and never will. FYI..All through this whole deal in 5 years I have maintained positive accounts with regular and even discounted rate plans with Verizon, Sprint and T-Mobile. I currently have a Sprint account cheaper than you can get it! "It's better to get the debts resolved, and the debt changing hands doesn't do anything to negate the validity of your debt". >>The Facts>> Paying an old charged off debt to a bottomfeeder like Cambece, DOES NOT "resolve" the debt. The debt was "resolved" when the original creditor charged it off, sold it, and took the tax deduction. "It's simple. You want good credit... your best scenario is not to wait on a statute to clear it off... do it yourself! If that doesn't work or sound like a good idea to you too, then please.. by all means... use Steve's plan B. When your statute is up take a deep breath and pat yourself on the back for a job well done hiding from your creditors and paying your 19% interest rate on your car". >>The Facts>> I pay cash for my cars. I do not finance them ever. I have 3 that are paid off, therefore, no 19% interest rate. "I believe this BS wholeheartedly, Steve. If only one person sees the truth in someone experienced and knowledgable in this matter my fifteen minutes reading and replying to your dribble was worth it". >>MY DRIBBLE? Better think again. You have absolutely NO IDEA of what you speak of. I suggest you cut down on that Cambece kool-aid! "Sadly, I truly cannot imagine how many people you've hurt with your ill-advised angst posted here". >>The facts>> How is keeping someone from getting terrorized by scumbags hurting anyone? Unless you count in Cambece as getting hurt by an educated debtor! "ALL... if you sincerely don't want to (or can't) pay your debts please don't listen to me, but please don't listen to Steve. Retain an attorney yourself or find help in free legal aid". >>The facts>> An attorney is never needed in dealing with any collection issue short of a lawsuit. When a lawsuit id filed, then get an attorney. And, keep in mind, if a person cannot pay their bills, it is unlikely they can afford an attorney. Just reality here. And, have you seen the THOUSANDS of complaints online about Cambece? I suggest you visit BudHibbs.com, Complaints.com, and a few other consumer sites.

I just love when a collector comes on here with their heads filled with nothing but propaganda from the bottomfeeders they work for. I'll take this one line by line. You wrote: Well, Mr. Steve-not-an-attorney: What I've written is entirely true and it was meant to do a world of good. The fact of the matter is you have and will never undergo the training I have gone through. Making a payment on an account hurting your credit? How is doing something positive to affect your credit with lenders HURTING your credit? Once the item is paid off in settlement or paid with a zero balance a huge positive effect takes place on the credit bureau. Granted, credit history is just that... history, and it can't be rewritten". The facts>> Paying on an old charged off accout makes the negative more recent, which lowers your credit score, AND, paying off that old charge off/collections account will now just show as a PAID COLLECTION, which is still a negative for scoring purposes . "That doesn't mean that it can't be improved! I don't dispute your argument on the statute of limitations. It's absolutely true, also making a payment sets that statute back to day 1. Very true. Who (except you, apparently) really wants to go 7 years ending phone calls abruptly"... >>The facts>>: I don't take calls from collectors as they NEVER get my phone# as it is unlisted and private. Those who do have it simply get a CEASE COMMUNICATIONS letter from me, so when they violate, they pay me. Very simple. ...."because your minutes are running out on your prepaid phone for seven years? That's what you can look forward to because a cell phone company won't even entrust in you a normal rate plan"! >>The facts>> I have never used a prepaid phone, and never will. FYI..All through this whole deal in 5 years I have maintained positive accounts with regular and even discounted rate plans with Verizon, Sprint and T-Mobile. I currently have a Sprint account cheaper than you can get it! "It's better to get the debts resolved, and the debt changing hands doesn't do anything to negate the validity of your debt". >>The Facts>> Paying an old charged off debt to a bottomfeeder like Cambece, DOES NOT "resolve" the debt. The debt was "resolved" when the original creditor charged it off, sold it, and took the tax deduction. "It's simple. You want good credit... your best scenario is not to wait on a statute to clear it off... do it yourself! If that doesn't work or sound like a good idea to you too, then please.. by all means... use Steve's plan B. When your statute is up take a deep breath and pat yourself on the back for a job well done hiding from your creditors and paying your 19% interest rate on your car". >>The Facts>> I pay cash for my cars. I do not finance them ever. I have 3 that are paid off, therefore, no 19% interest rate. "I believe this BS wholeheartedly, Steve. If only one person sees the truth in someone experienced and knowledgable in this matter my fifteen minutes reading and replying to your dribble was worth it". >>MY DRIBBLE? Better think again. You have absolutely NO IDEA of what you speak of. I suggest you cut down on that Cambece kool-aid! "Sadly, I truly cannot imagine how many people you've hurt with your ill-advised angst posted here". >>The facts>> How is keeping someone from getting terrorized by scumbags hurting anyone? Unless you count in Cambece as getting hurt by an educated debtor! "ALL... if you sincerely don't want to (or can't) pay your debts please don't listen to me, but please don't listen to Steve. Retain an attorney yourself or find help in free legal aid". >>The facts>> An attorney is never needed in dealing with any collection issue short of a lawsuit. When a lawsuit id filed, then get an attorney. And, keep in mind, if a person cannot pay their bills, it is unlikely they can afford an attorney. Just reality here. And, have you seen the THOUSANDS of complaints online about Cambece? I suggest you visit BudHibbs.com, Complaints.com, and a few other consumer sites.

I just love when a collector comes on here with their heads filled with nothing but propaganda from the bottomfeeders they work for. I'll take this one line by line. You wrote: Well, Mr. Steve-not-an-attorney: What I've written is entirely true and it was meant to do a world of good. The fact of the matter is you have and will never undergo the training I have gone through. Making a payment on an account hurting your credit? How is doing something positive to affect your credit with lenders HURTING your credit? Once the item is paid off in settlement or paid with a zero balance a huge positive effect takes place on the credit bureau. Granted, credit history is just that... history, and it can't be rewritten". The facts>> Paying on an old charged off accout makes the negative more recent, which lowers your credit score, AND, paying off that old charge off/collections account will now just show as a PAID COLLECTION, which is still a negative for scoring purposes . "That doesn't mean that it can't be improved! I don't dispute your argument on the statute of limitations. It's absolutely true, also making a payment sets that statute back to day 1. Very true. Who (except you, apparently) really wants to go 7 years ending phone calls abruptly"... >>The facts>>: I don't take calls from collectors as they NEVER get my phone# as it is unlisted and private. Those who do have it simply get a CEASE COMMUNICATIONS letter from me, so when they violate, they pay me. Very simple. ...."because your minutes are running out on your prepaid phone for seven years? That's what you can look forward to because a cell phone company won't even entrust in you a normal rate plan"! >>The facts>> I have never used a prepaid phone, and never will. FYI..All through this whole deal in 5 years I have maintained positive accounts with regular and even discounted rate plans with Verizon, Sprint and T-Mobile. I currently have a Sprint account cheaper than you can get it! "It's better to get the debts resolved, and the debt changing hands doesn't do anything to negate the validity of your debt". >>The Facts>> Paying an old charged off debt to a bottomfeeder like Cambece, DOES NOT "resolve" the debt. The debt was "resolved" when the original creditor charged it off, sold it, and took the tax deduction. "It's simple. You want good credit... your best scenario is not to wait on a statute to clear it off... do it yourself! If that doesn't work or sound like a good idea to you too, then please.. by all means... use Steve's plan B. When your statute is up take a deep breath and pat yourself on the back for a job well done hiding from your creditors and paying your 19% interest rate on your car". >>The Facts>> I pay cash for my cars. I do not finance them ever. I have 3 that are paid off, therefore, no 19% interest rate. "I believe this BS wholeheartedly, Steve. If only one person sees the truth in someone experienced and knowledgable in this matter my fifteen minutes reading and replying to your dribble was worth it". >>MY DRIBBLE? Better think again. You have absolutely NO IDEA of what you speak of. I suggest you cut down on that Cambece kool-aid! "Sadly, I truly cannot imagine how many people you've hurt with your ill-advised angst posted here". >>The facts>> How is keeping someone from getting terrorized by scumbags hurting anyone? Unless you count in Cambece as getting hurt by an educated debtor! "ALL... if you sincerely don't want to (or can't) pay your debts please don't listen to me, but please don't listen to Steve. Retain an attorney yourself or find help in free legal aid". >>The facts>> An attorney is never needed in dealing with any collection issue short of a lawsuit. When a lawsuit id filed, then get an attorney. And, keep in mind, if a person cannot pay their bills, it is unlikely they can afford an attorney. Just reality here. And, have you seen the THOUSANDS of complaints online about Cambece? I suggest you visit BudHibbs.com, Complaints.com, and a few other consumer sites.

I just love when a collector comes on here with their heads filled with nothing but propaganda from the bottomfeeders they work for. I'll take this one line by line. You wrote: Well, Mr. Steve-not-an-attorney: What I've written is entirely true and it was meant to do a world of good. The fact of the matter is you have and will never undergo the training I have gone through. Making a payment on an account hurting your credit? How is doing something positive to affect your credit with lenders HURTING your credit? Once the item is paid off in settlement or paid with a zero balance a huge positive effect takes place on the credit bureau. Granted, credit history is just that... history, and it can't be rewritten". The facts>> Paying on an old charged off accout makes the negative more recent, which lowers your credit score, AND, paying off that old charge off/collections account will now just show as a PAID COLLECTION, which is still a negative for scoring purposes . "That doesn't mean that it can't be improved! I don't dispute your argument on the statute of limitations. It's absolutely true, also making a payment sets that statute back to day 1. Very true. Who (except you, apparently) really wants to go 7 years ending phone calls abruptly"... >>The facts>>: I don't take calls from collectors as they NEVER get my phone# as it is unlisted and private. Those who do have it simply get a CEASE COMMUNICATIONS letter from me, so when they violate, they pay me. Very simple. ...."because your minutes are running out on your prepaid phone for seven years? That's what you can look forward to because a cell phone company won't even entrust in you a normal rate plan"! >>The facts>> I have never used a prepaid phone, and never will. FYI..All through this whole deal in 5 years I have maintained positive accounts with regular and even discounted rate plans with Verizon, Sprint and T-Mobile. I currently have a Sprint account cheaper than you can get it! "It's better to get the debts resolved, and the debt changing hands doesn't do anything to negate the validity of your debt". >>The Facts>> Paying an old charged off debt to a bottomfeeder like Cambece, DOES NOT "resolve" the debt. The debt was "resolved" when the original creditor charged it off, sold it, and took the tax deduction. "It's simple. You want good credit... your best scenario is not to wait on a statute to clear it off... do it yourself! If that doesn't work or sound like a good idea to you too, then please.. by all means... use Steve's plan B. When your statute is up take a deep breath and pat yourself on the back for a job well done hiding from your creditors and paying your 19% interest rate on your car". >>The Facts>> I pay cash for my cars. I do not finance them ever. I have 3 that are paid off, therefore, no 19% interest rate. "I believe this BS wholeheartedly, Steve. If only one person sees the truth in someone experienced and knowledgable in this matter my fifteen minutes reading and replying to your dribble was worth it". >>MY DRIBBLE? Better think again. You have absolutely NO IDEA of what you speak of. I suggest you cut down on that Cambece kool-aid! "Sadly, I truly cannot imagine how many people you've hurt with your ill-advised angst posted here". >>The facts>> How is keeping someone from getting terrorized by scumbags hurting anyone? Unless you count in Cambece as getting hurt by an educated debtor! "ALL... if you sincerely don't want to (or can't) pay your debts please don't listen to me, but please don't listen to Steve. Retain an attorney yourself or find help in free legal aid". >>The facts>> An attorney is never needed in dealing with any collection issue short of a lawsuit. When a lawsuit id filed, then get an attorney. And, keep in mind, if a person cannot pay their bills, it is unlikely they can afford an attorney. Just reality here. And, have you seen the THOUSANDS of complaints online about Cambece? I suggest you visit BudHibbs.com, Complaints.com, and a few other consumer sites.

I'm not in this position but understand the logic to it on Steve's end. Yours however-in an effort to fill the investment coffers-really makes no sense. "Making a payment on an account hurting your credit?" -->Answered by your own admission:" It's absolutely true, also making a payment sets that statute back to day 1. Very true." -->So by your logic, if your employer was to go after someone at the end of the 7 years that it would be on their report-as is often the case by debt buyers-and someone were make a payment so you can collect a paycheck, it resets SOL again and they get to have it on their report ANOTHER 7 years for a total of 14. You're right, that would never hurt someone *rolleyes*. While it is understood you need to protect your paycheck or risk ending up like others in an unfortunate unseen turn of events in their lives, your misinformation far outways anyone else's here sans other collection employees (except Don).

Well, Mr. Steve-not-an-attorney: What I've written is entirely true and it was meant to do a world of good. The fact of the matter is you have and will never undergo the training I have gone through. Making a payment on an account hurting your credit? How is doing something positive to affect your credit with lenders HURTING your credit? Once the item is paid off in settlement or paid with a zero balance a huge positive effect takes place on the credit bureau. Granted, credit history is just that... history, and it can't be rewritten. That doesn't mean that it can't be improved! I don't dispute your argument on the statute of limitations. It's absolutely true, also making a payment sets that statute back to day 1. Very true. Who (except you, apparently) really wants to go 7 years ending phone calls abruptly because your minutes are running out on your prepaid phone for seven years? That's what you can look forward to because a cell phone company won't even entrust in you a normal rate plan! It's better to get the debts resolved, and the debt changing hands doesn't do anything to negate the validity of your debt. It's simple. You want good credit... your best scenario is not to wait on a statute to clear it off... do it yourself! If that doesn't work or sound like a good idea to you too, then please.. by all means... use Steve's plan B. When your statute is up take a deep breath and pat yourself on the back for a job well done hiding from your creditors and paying your 19% interest rate on your car. I believe this BS wholeheartedly, Steve. If only one person sees the truth in someone experienced and knowledgable in this matter my fifteen minutes reading and replying to your dribble was worth it. Sadly, I truly cannot imagine how many people you've hurt with your ill-advised angst posted here. ALL... if you sincerely don't want to (or can't) pay your debts please don't listen to me, but please don't listen to Steve. Retain an attorney yourself or find help in free legal aid.

Michelle, Do YOU actually believe that BS you posted? I seriously hope not. Cambece is on the top of the list for unethical collections practices with the FTC and the AG's office. And, MOST of what Cambece collects on are JUNK DEBTS that were purchased by JUNK DEBT BUYERS. These people are not creditors and have no right to anything. And, your statement about a judgement "sitting on top of your credit report for 20 years" is pure BS. The maximum reporting time of any item but bankruptcy is 7 years. Although the judgement may be collectable under the law for 20 years, it cannot be on the credit for 20 years. This is FEDERAL law. Then there is the statement regarding the calling of neighbors to leave a "message". There is absolutely no excuse for this ever, and it is an absolutely sleazy and unethical practice, and sometimes illegal. The reason for this is that the FDCPA allows you to contact a third party ONCE to "determine the whereabouts" of a debtor. So think about this. If you know the whereabouts of the neighbor, then you already know the whereabouts of the debtor, Therefore, this contact is clearly made in an attempt to harass, intimidate or embarrass the debtor. Which is in clear violation of the law. As far as the credit goes, you help nobody. By the time an account is charged off and sold to a junk debt buyer, the damage is already done, and cannot be reversed by making a payment. Actually, making a payment on this type of old debt will actually hurt your credit more than help it. Here's another thought for you. if lenders offering unsecured credit would engage in RESPONSIBLE LENDING, they would not have the high default rate they now face. This is simple economics. You need to back off of the Cambece kool aid and see reality.

Michelle, Do YOU actually believe that BS you posted? I seriously hope not. Cambece is on the top of the list for unethical collections practices with the FTC and the AG's office. And, MOST of what Cambece collects on are JUNK DEBTS that were purchased by JUNK DEBT BUYERS. These people are not creditors and have no right to anything. And, your statement about a judgement "sitting on top of your credit report for 20 years" is pure BS. The maximum reporting time of any item but bankruptcy is 7 years. Although the judgement may be collectable under the law for 20 years, it cannot be on the credit for 20 years. This is FEDERAL law. Then there is the statement regarding the calling of neighbors to leave a "message". There is absolutely no excuse for this ever, and it is an absolutely sleazy and unethical practice, and sometimes illegal. The reason for this is that the FDCPA allows you to contact a third party ONCE to "determine the whereabouts" of a debtor. So think about this. If you know the whereabouts of the neighbor, then you already know the whereabouts of the debtor, Therefore, this contact is clearly made in an attempt to harass, intimidate or embarrass the debtor. Which is in clear violation of the law. As far as the credit goes, you help nobody. By the time an account is charged off and sold to a junk debt buyer, the damage is already done, and cannot be reversed by making a payment. Actually, making a payment on this type of old debt will actually hurt your credit more than help it. Here's another thought for you. if lenders offering unsecured credit would engage in RESPONSIBLE LENDING, they would not have the high default rate they now face. This is simple economics. You need to back off of the Cambece kool aid and see reality.

Michelle, Do YOU actually believe that BS you posted? I seriously hope not. Cambece is on the top of the list for unethical collections practices with the FTC and the AG's office. And, MOST of what Cambece collects on are JUNK DEBTS that were purchased by JUNK DEBT BUYERS. These people are not creditors and have no right to anything. And, your statement about a judgement "sitting on top of your credit report for 20 years" is pure BS. The maximum reporting time of any item but bankruptcy is 7 years. Although the judgement may be collectable under the law for 20 years, it cannot be on the credit for 20 years. This is FEDERAL law. Then there is the statement regarding the calling of neighbors to leave a "message". There is absolutely no excuse for this ever, and it is an absolutely sleazy and unethical practice, and sometimes illegal. The reason for this is that the FDCPA allows you to contact a third party ONCE to "determine the whereabouts" of a debtor. So think about this. If you know the whereabouts of the neighbor, then you already know the whereabouts of the debtor, Therefore, this contact is clearly made in an attempt to harass, intimidate or embarrass the debtor. Which is in clear violation of the law. As far as the credit goes, you help nobody. By the time an account is charged off and sold to a junk debt buyer, the damage is already done, and cannot be reversed by making a payment. Actually, making a payment on this type of old debt will actually hurt your credit more than help it. Here's another thought for you. if lenders offering unsecured credit would engage in RESPONSIBLE LENDING, they would not have the high default rate they now face. This is simple economics. You need to back off of the Cambece kool aid and see reality.

Michelle, Do YOU actually believe that BS you posted? I seriously hope not. Cambece is on the top of the list for unethical collections practices with the FTC and the AG's office. And, MOST of what Cambece collects on are JUNK DEBTS that were purchased by JUNK DEBT BUYERS. These people are not creditors and have no right to anything. And, your statement about a judgement "sitting on top of your credit report for 20 years" is pure BS. The maximum reporting time of any item but bankruptcy is 7 years. Although the judgement may be collectable under the law for 20 years, it cannot be on the credit for 20 years. This is FEDERAL law. Then there is the statement regarding the calling of neighbors to leave a "message". There is absolutely no excuse for this ever, and it is an absolutely sleazy and unethical practice, and sometimes illegal. The reason for this is that the FDCPA allows you to contact a third party ONCE to "determine the whereabouts" of a debtor. So think about this. If you know the whereabouts of the neighbor, then you already know the whereabouts of the debtor, Therefore, this contact is clearly made in an attempt to harass, intimidate or embarrass the debtor. Which is in clear violation of the law. As far as the credit goes, you help nobody. By the time an account is charged off and sold to a junk debt buyer, the damage is already done, and cannot be reversed by making a payment. Actually, making a payment on this type of old debt will actually hurt your credit more than help it. Here's another thought for you. if lenders offering unsecured credit would engage in RESPONSIBLE LENDING, they would not have the high default rate they now face. This is simple economics. You need to back off of the Cambece kool aid and see reality.

To Whom it May Concern: 2007 is my ninth year as an employee for the Cambece Law Office. I am a supervisor with the firm, and I welcome the opportunity to refute some of the false accusations written here on this website. I'm sure many of you are already gearing up to start chucking your proverbial eggs just hearing that I'm prepared to argue the validity of debt collections. Please be made aware that as a debt collector there is really no abusive allegation I haven't heard already. Also, the name-calling that's been ensued upon us is becoming highly unoriginal. It's a regular Saturday morning for this debt collector, and I'm giving you my unpaid and unwavering opinion come-what-may on Monday. At last! A chance to have my knowledge heard (and not hung up upon), a chance to prove to anyone thinking they are above the law or better than obligations upheld by many borrowers that your creditors have rights too! I start my day at the Cambece Law Office with the knowledge that every day is a new day. I am constantly chastised for being a part of a company that has been for years, and is still today, becoming the standard for Fair Debt Collection Practices. If it were that providing you with a bunch of fluff and pooh-poohing the importance of your credit (as you all would have it) actually got your debts paid then there wouldn't really be a need for any person or company outside of your creditor's customer service department to become involved in the first place. The fact of the matter is, calls are made, letters are sent, and attorneys are retained because a debt has gone ignored or unpaid despite more friendly attempts to resolve said issue beforehand. We know that there are financial atrocities in this world! We know (or assume, rather) that none of you really wanted to open a credit line with the intent of not paying it back, opening the floodgates of collections and years of negative credit reporting. With that said, it is still fair for them to collect their money back! It was a contractual agreement between bank and borrower that lent you funds to allocate at your discretion.... christmas presents you didn't have the funds to pay for at the time, or an overdue electric bill... and it is that same contractual agreement that your creditor has the RIGHT to uphold. Furthermore on this point, interest is not a make-believe number. It's an actual accrual of the fees and costs you agreed to taking on with the irresponsible use of the credit line extended to you. If the world was fair the debt collector and consumer both could discuss the best possible arrangement to resolve an outstanding obligation. In this world a collector could satisfy the client that Attorney Cambece represents while actually (gasp!) getting your credit back on track. If your credit really means nothing to you or your financial future then please stop reading here. Nothing I will argue will ever really get through to you anyway. For those of you that truly want to use your credit (a privelege.. not a right!) responsibly my advice to you is to accept that paying back your obligation isn't easy. It's hard on your wallet and your current wants. Nobody wants to see money drafted out of their checking account for things that have already lost their novelty to you, or have since been misplaced... but it's warranted. I have personally spent years digging my way out of the financial ruins I put upon myself in the duration of my early twenties. I've done it, and things are cheaper now than they've ever been due to lower interest rates offered because of the credit I've earned recently. Collection letters flooding my mailbox have been replaced by offers of banks competing to offer me the best refinance rate on the home I'd never thought I'd own. That's my two cents on the whole debate here on this website. You have to ask yourself if you come here to escape paying a bill or if you are truly just looking to be treated fairly. The collector is on your trail to collect your debt that you were either unwilling or unable to pay. I'm sorry to swipe the legs from underneath the podium you're on... but they are in the right to be doing so. You can write me letters to cease and desist, you can try to group me and my peers into dante's seventh circle, but every phone call I make I make with the confidence that getting the debt resolved is in the best interest of all parties involved. (Do any of you ever think more broadly about this subject? Your best defense is to pay your bills.. doing so would put an end to the collection industry entirely... you know, shut people like me up!) Anyhow, for those of you still reading, (and I realize that I've lost many of you already the same way a mother loses her child to the cross-armed, head-turned stubborn manner they instinctively take on after hearing the words "you were wrong!" or "that's not how the world actually turns!") I'd like to put a good word in for the company and the man that has helped me get my bills paid, thank you very much. The Cambece Law Office has strived since it's induction into the collection industry to be the best. As with any company bad hires have been made, and good business decisions have been put into place to cease employing these individuals. There are quarterly certifications on the law of collections (the FDCPA) mandated on every collection employee at the office. Collection managers are put into place only having had the experience in handling these sensitive matters fairly. There are a handful of attorneys monitoring every call and handling every potential complaint. You could be sued for not paying your obligation, and it is mandatory for us to already have verification of debt in place before even beginning the process. It would be futile to assume that we would try to make you fulfill a contract we have never seen. The statute of limitations is a real way to avoid paying your obligation if you manage to escape the suit process in the meantime. I read all over the place on this site that we can only place a "default judgment" if you successfully dodge your creditors. Is it really not that big of a deal? A default judgment (the worst mark on your credit bureau and a killer in achieving even the smallest credit line) sits at the top of your credit bureau for twenty (20!) years in my home state of Massachusetts. If you are some of the people who truly can't afford to pay a dime back on your credit, then you're probably not someone that this would matter to anyway. Lastly, in respect to the man himself, I'd like to take a minute to rebut your opinions of a man none of you know but feel free to slander. For a group of people shouting "we don't want to be judged.. we don't want to be criticized!" you sure make a lot of incorrect assumptions about this business man. He is a real attorney, he did travel the long educational path any of your attorneys traveled to obtain his license. He himself initiated a process with the Attorney General to provide the most fair and law-abiding collection law office he can. In conclusion, please don't fill your chests with non-existent laws and contempt for the collection industry. There are reasons for these things you complain so much about. (i.e. the phone call made to your neighbor to send a message to you is in collection terminology, called a near-by and is allowed once in a twelve month period in most states by the FDCPA.. Wisconsin and Minnesota exempt!) Ha! We DO know the laws and the law says you must pay your bill back to the best of your ability. Good Luck, and Best Regards. ~Michelle, the Bill Collector

Kristy, Have you ever actually done a web search on Cambece and seen the thousands of complaints and negative posts? You need to open your eyes! How much is Slimy Tony paying you to make these rebuttals? Cambece is a collector. He is far from an attorney. He could not find his way into a courtroom. >> "Agency" Details: Cambece, James Anthony aka/Tough Tony**** 8 Bourbon St. Peabody, Massachusetts 01960 Phone: (978) 535-3030 Fax: (978) 535-7070 or try (978) 744-1762 >>>>>>>>>>>>>>>>> Bud Says... CONSUMER WARNING: EXTORTION IS A FELONY IN ALL STATES. IF A DEBT COLLECTOR ATTEMPTS IT, CONTACT YOUR LOCAL POLICE OR THE FBI. GIVE THEM THE NAME, PHONE NUMBER AND EXTENSION OF THE DEBT COLLECTOR COMMITTING THE CRIME. ************** extortion n. obtaining money or property by threat to a victim's property or loved ones, intimidation, or false claim of a right (such as pretending to be an IRS agent). It is a felony in all states, except that a direct threat to harm the victim is usually treated as the crime of robbery. Blackmail is a form of extortion in which the threat is to expose embarrassing, damaging information to family, friends or the public. See also: blackmail robbery theft ************** I STILL receive MORE complaints on this Con America (excuse for an) attorney than anyone in the country. This organization is pure garbage! They will lie, threaten, intimidate, extort, and coerce you into sending them money under threat of litigation, wage garnishment, and property seizure. He is a rookie attorney, who cares more about lining his pockets than the law. His goons have NO power and NO authority, they are debt collection jerks! Attorney Cambece is ONLY licensed to practice law in MA and garbage like Cambece will NOT go into a courtroom against REAL lawyers who know and understand the law. The BEST way to deal with slimy Tony is KEEP your money. You can stop him cold by faxing a copy of my FREE cease-comm letter . His contact information is: James Anthony Cambece, Collect (Con) America aka/ Slimy Tony the debt collector 8 Bourbon Street Peabody, MA 01960 Fax: 978-535-7070 It is important that EVERYONE who has been wronged go after Cambece. The best place to do that from anywhere in America is through his state bar. Here is the link, with information on how to file an ethics complaint against this sorry excuse for an attorney: File complaints against Slimy Tony with the MA Bar at: http://massbar.org/lawhelp/legal_info/index.php?sw=396 [Compliments of: budhibbs.com] >>>>>>>>>>>>>>>>>> You might also want to contact the FTC about the thousands of complaints they have on this DEBT COLLECTOR.

Kristy, Have you ever actually done a web search on Cambece and seen the thousands of complaints and negative posts? You need to open your eyes! How much is Slimy Tony paying you to make these rebuttals? Cambece is a collector. He is far from an attorney. He could not find his way into a courtroom. >> "Agency" Details: Cambece, James Anthony aka/Tough Tony**** 8 Bourbon St. Peabody, Massachusetts 01960 Phone: (978) 535-3030 Fax: (978) 535-7070 or try (978) 744-1762 >>>>>>>>>>>>>>>>> Bud Says... CONSUMER WARNING: EXTORTION IS A FELONY IN ALL STATES. IF A DEBT COLLECTOR ATTEMPTS IT, CONTACT YOUR LOCAL POLICE OR THE FBI. GIVE THEM THE NAME, PHONE NUMBER AND EXTENSION OF THE DEBT COLLECTOR COMMITTING THE CRIME. ************** extortion n. obtaining money or property by threat to a victim's property or loved ones, intimidation, or false claim of a right (such as pretending to be an IRS agent). It is a felony in all states, except that a direct threat to harm the victim is usually treated as the crime of robbery. Blackmail is a form of extortion in which the threat is to expose embarrassing, damaging information to family, friends or the public. See also: blackmail robbery theft ************** I STILL receive MORE complaints on this Con America (excuse for an) attorney than anyone in the country. This organization is pure garbage! They will lie, threaten, intimidate, extort, and coerce you into sending them money under threat of litigation, wage garnishment, and property seizure. He is a rookie attorney, who cares more about lining his pockets than the law. His goons have NO power and NO authority, they are debt collection jerks! Attorney Cambece is ONLY licensed to practice law in MA and garbage like Cambece will NOT go into a courtroom against REAL lawyers who know and understand the law. The BEST way to deal with slimy Tony is KEEP your money. You can stop him cold by faxing a copy of my FREE cease-comm letter . His contact information is: James Anthony Cambece, Collect (Con) America aka/ Slimy Tony the debt collector 8 Bourbon Street Peabody, MA 01960 Fax: 978-535-7070 It is important that EVERYONE who has been wronged go after Cambece. The best place to do that from anywhere in America is through his state bar. Here is the link, with information on how to file an ethics complaint against this sorry excuse for an attorney: File complaints against Slimy Tony with the MA Bar at: http://massbar.org/lawhelp/legal_info/index.php?sw=396 [Compliments of: budhibbs.com] >>>>>>>>>>>>>>>>>> You might also want to contact the FTC about the thousands of complaints they have on this DEBT COLLECTOR.

Kristy, Have you ever actually done a web search on Cambece and seen the thousands of complaints and negative posts? You need to open your eyes! How much is Slimy Tony paying you to make these rebuttals? Cambece is a collector. He is far from an attorney. He could not find his way into a courtroom. >> "Agency" Details: Cambece, James Anthony aka/Tough Tony**** 8 Bourbon St. Peabody, Massachusetts 01960 Phone: (978) 535-3030 Fax: (978) 535-7070 or try (978) 744-1762 >>>>>>>>>>>>>>>>> Bud Says... CONSUMER WARNING: EXTORTION IS A FELONY IN ALL STATES. IF A DEBT COLLECTOR ATTEMPTS IT, CONTACT YOUR LOCAL POLICE OR THE FBI. GIVE THEM THE NAME, PHONE NUMBER AND EXTENSION OF THE DEBT COLLECTOR COMMITTING THE CRIME. ************** extortion n. obtaining money or property by threat to a victim's property or loved ones, intimidation, or false claim of a right (such as pretending to be an IRS agent). It is a felony in all states, except that a direct threat to harm the victim is usually treated as the crime of robbery. Blackmail is a form of extortion in which the threat is to expose embarrassing, damaging information to family, friends or the public. See also: blackmail robbery theft ************** I STILL receive MORE complaints on this Con America (excuse for an) attorney than anyone in the country. This organization is pure garbage! They will lie, threaten, intimidate, extort, and coerce you into sending them money under threat of litigation, wage garnishment, and property seizure. He is a rookie attorney, who cares more about lining his pockets than the law. His goons have NO power and NO authority, they are debt collection jerks! Attorney Cambece is ONLY licensed to practice law in MA and garbage like Cambece will NOT go into a courtroom against REAL lawyers who know and understand the law. The BEST way to deal with slimy Tony is KEEP your money. You can stop him cold by faxing a copy of my FREE cease-comm letter . His contact information is: James Anthony Cambece, Collect (Con) America aka/ Slimy Tony the debt collector 8 Bourbon Street Peabody, MA 01960 Fax: 978-535-7070 It is important that EVERYONE who has been wronged go after Cambece. The best place to do that from anywhere in America is through his state bar. Here is the link, with information on how to file an ethics complaint against this sorry excuse for an attorney: File complaints against Slimy Tony with the MA Bar at: http://massbar.org/lawhelp/legal_info/index.php?sw=396 [Compliments of: budhibbs.com] >>>>>>>>>>>>>>>>>> You might also want to contact the FTC about the thousands of complaints they have on this DEBT COLLECTOR.

Kristy, Have you ever actually done a web search on Cambece and seen the thousands of complaints and negative posts? You need to open your eyes! How much is Slimy Tony paying you to make these rebuttals? Cambece is a collector. He is far from an attorney. He could not find his way into a courtroom. >> "Agency" Details: Cambece, James Anthony aka/Tough Tony**** 8 Bourbon St. Peabody, Massachusetts 01960 Phone: (978) 535-3030 Fax: (978) 535-7070 or try (978) 744-1762 >>>>>>>>>>>>>>>>> Bud Says... CONSUMER WARNING: EXTORTION IS A FELONY IN ALL STATES. IF A DEBT COLLECTOR ATTEMPTS IT, CONTACT YOUR LOCAL POLICE OR THE FBI. GIVE THEM THE NAME, PHONE NUMBER AND EXTENSION OF THE DEBT COLLECTOR COMMITTING THE CRIME. ************** extortion n. obtaining money or property by threat to a victim's property or loved ones, intimidation, or false claim of a right (such as pretending to be an IRS agent). It is a felony in all states, except that a direct threat to harm the victim is usually treated as the crime of robbery. Blackmail is a form of extortion in which the threat is to expose embarrassing, damaging information to family, friends or the public. See also: blackmail robbery theft ************** I STILL receive MORE complaints on this Con America (excuse for an) attorney than anyone in the country. This organization is pure garbage! They will lie, threaten, intimidate, extort, and coerce you into sending them money under threat of litigation, wage garnishment, and property seizure. He is a rookie attorney, who cares more about lining his pockets than the law. His goons have NO power and NO authority, they are debt collection jerks! Attorney Cambece is ONLY licensed to practice law in MA and garbage like Cambece will NOT go into a courtroom against REAL lawyers who know and understand the law. The BEST way to deal with slimy Tony is KEEP your money. You can stop him cold by faxing a copy of my FREE cease-comm letter . His contact information is: James Anthony Cambece, Collect (Con) America aka/ Slimy Tony the debt collector 8 Bourbon Street Peabody, MA 01960 Fax: 978-535-7070 It is important that EVERYONE who has been wronged go after Cambece. The best place to do that from anywhere in America is through his state bar. Here is the link, with information on how to file an ethics complaint against this sorry excuse for an attorney: File complaints against Slimy Tony with the MA Bar at: http://massbar.org/lawhelp/legal_info/index.php?sw=396 [Compliments of: budhibbs.com] >>>>>>>>>>>>>>>>>> You might also want to contact the FTC about the thousands of complaints they have on this DEBT COLLECTOR.

Steve is correct. They are hoping for a default judgment, which is what they get the vast majority of the time. Your best option is to "put them to their proof." As long as you challenge the validity of the debt or it's amount, they will have to make a showing that the debt is valid and that it is the correct, legally allowable amount. Steve seems to be familiar with Florida collections law, but some of the issues (such as pre-judgment interest) that he refers to will vary from state to state. For example, in Indiana a creditor can tack on 8% annually. And whether or not the "creditor" can continue to accrue interest after receiving the account will depend on whether he is acting as the orignal creditor's agent or if he bought the debt, as Cambece does. But that's all beside the point. You also need to find the date the debt arose and the statute of limitations on contract issues in the relevant state. If the debt is too old (usually over 6 years, but varying from state to state) then you have a solid defense that the debt is "time barred." But even if you have an SOL issue, you still need to raise it at the hearing. Many people make the mistake of assuming that, because a debt is too old, the creditor can't get a judgment. You DO need to defend yourself, even against illegitimate debts. Best of luck!

Cheryl, Never speak to a collector on the phone. This can only make things worse for you, it will never help you. It just verifies where you are and gives them more power. It is hard to sue someone when you can't verify where they are! They have to prove that you owe THEM the money! Just because they "purshased" a debt of yours, does not mean they can document it. You can demand to see the proof they purchased it along with what they actually paid for it! This will be a penny or less on the dollar if the debt is more than 2 years old, or if it has been through at least 3 agencies. In Florida, small claims, you can only sue someone for what you actually lost which is what they paid for the debt. And as far as the debt doubling, this is illegal. Only the amount the original creditor charges off plus 6% interest can be billed, by federal law. You see, that debt stopped being a debt when it was charged off, sold, and the tax deduction taken for the loss by the original creditor. It became an investment which they knowingly bought a charged off bad debt. No one forced them to buy it, and they are not creditors. they do not lend money. This is like you sueing your stock broker because of a bad stock. These junk debt buyers are using the court system to enforce return on INVESTMENT! The courts hate this and hate them. How old is the debt? When was the last activity? This would be last payment or date of charge off. In what state was the debt originated? This is important to determine SOL. Cambece just hoppes for the default judgement, as they are too stupid and lazy to actually make it to the courtroom. They are just thugs. And, even if they could win, does not mean they can actually collect. Run up the legal cost as high as you can to give them something to lose. Keep in mind that in Florida, garnishments are a percentage of your DISPOSABLE income. If you have none, they get none. Good luck, and keep me posted.

Hi Steve - I read your responses and had a question about paying off an old debt as I have unfortunately recently had a debt sold to Cambece. You said that it looks worse on your report to pay off an old debt. But what if you call them and they tell you they've filed suit? What would be the best thing to do then? My original debt has nearly doubled since they've aquired it and I don't know how to handle it since I obviously can't pay it. I only found out they filed suit when I kept getting solicitations in the mail for attorneys wanting to represent me for a suit I had on file at the circuit court. I called the court and they said CACV filed. I called the attorney who said "you probably just didn't get the papers yet." But it was supposidly filed a week ago today. Should I try to work out payment arrangements or let them take me to court? (I'm actually your neighbor - in St. Pete!) Thanks for the info! Cheryl

Another false statement by the Cambece Collector Kristy, or "KG"... >>>>>>>>>>>>>>>>>>>>>>>>>> She wrote: "Please stop complaining on a stupid website and pay your debts. It only helps you in the end, you dont recieve any more phone calls, letters, or money problems. In fact you don't have to deal with them at all, and it is DEFINETLY reported on your credit report". No confrontation//just negotiation... KG Cambece Law Firm. Salem, MA. Kristy - Salem, Massachusetts U.S.A. >>>>>>>>>>>>>>>>>>>>>>>>>>>>> Well, paying a collection account actually hurts a debtors credit score more than just letting it go to SOL. That is the real truth. You see, credit scoring on a negative item is based on time since last activity, so the newer the activity [such as a payment] the worse the score. As time goes by, this item is less significant for scoring purposes and your new positive accounts now are the biggest part of your score. So, this is just another case of an uneducated brainwashed debt collector.

Kristy, Ok, that was the uneducated debt collector drivel to be expected. Now I will call you on your words. You wrote: "Also, just know that the story f/ Sally in Tuscan Arizona is horribly false. It is illegal for a collector to hang up on the dbtr, and it never happens. It is illegal for a collector to state suing is an option". I would like you to show me the law that makes it illegal for a collector to hang up on the debtor. Show me. FYI...The FDCPA says that a collector may not be abusive, threatening, or use profane language. It does not say anything about hanging up the phone on the debtor. Furthermore, the "collectors" at Cambece DO break the law and violate FDCPA as I have dealt with them on a few separate occasions. AND, Cambece IS a debt buyer and this is documented. Cambece has fought the issue of not having to comply with the FDCPA because he claims to be the owner of the debt and not a third party collector. You must be a new employee to be so brainwashed and naive about who "Tough Tony" Cambece really is. He is a wanna be wise guy. He is a scumbag and a loser. If he was really a legit lawyer, he would not be doing debt collections. Losers do debt collections. Did you know that under Bar Association ethics rules, that any communication that bears an attorneys name makes that attorney personally liable for the communication, and the attorney must make himself available to the consumer and have personal knowledge of the account. This is the law. Collection letters are going out with the Cambece name on them. That makes it a legal issue, not a collections issue. Just the fact that the colections letter Has "JA Cambece Law Offices" on it, makes it illegal under FDCPA as it is done to cause anxiety of the debtor. If he is doing collections, the letterhead should not mention that he is an attorney, and should just read something to the effect of Cambece Collections or the Offices of JA Cambece, or Cambece & associates, etc. It is understood by consumers that communication from an attorney regarding a debt will result in lawsuit. Furthermore, I have letters in my possession from Cambece that violate FDCPA and I have telephone calls recorded. Legally, as they are on answering machine tapes. No consent needed. Have you seen the thousands of complaints on Cambece? Just do an internet search or go to complaints.com,budhibbs.com, atc..Cambece is or was a member of the ACA. That means he is a collector. A final note for debtors out there dealing with any collector...DON'T!! Never..NEVER...NEVER speak to any collector on the phone. Upon first contact, send the CEASE COMMUNICATION letter as per your right under the FDCPA. STAY OFF THE PHONE!! As far as stating an account is being placed for litigation, etc.. That is legal as long as that is what is actually being done. It cannot be stated for the purposes of intimidation.

Thanks Kristy What a splendid response: Kristy said: Everyone involved with Cambece knows there laws well. Apparently the guy that barely spoke English to the original poster is in the same department as Kristy. Spelling AND grammar mistakes abound! She couldn't even spell Anthony Cambece's name correctly. What a testimony of dedication! The cream of the crop, indeed! But that wasn't nearly as awesome as this gem: Kristy said: Please stop complaining on a stupid website and pay your debts. It only helps you in the end... HAHAHAHAHA! And not you, eh? Get back to work! To the original poster, here is what I do for collections and telephone solicitors. Me: Hello? Collections: Yes, we are looking for Nick *******. Me. Who is calling? Collections: Is this Nick? Me: Nope. I can take a message for him. Collections: Have him call us. Me: What is this regarding? Collections: We can't tell you. Me: Then I can't deliver the message. Collections: Why? Me: It is his office policy. Please leave a message Collections: It is a business matter. Me: And this is his business. I'm the secretary. You'll need to be more specific Collections: It is confidential. Me: Well, if you don't leave a specific message, I'm told not to deliver them. Collections: What? Me: Hey, I just work for the guy. I'm not getting fired for someone I don't know. Collections: Can you connect us to his office? Me: Nope. Not without a specific message. Collections: Why? Me: Because, don't you know who he is? He's Nick ******!!! He gets threats for his line of work all day. Collections: Uhm... uhm.... At that point, they'll either say what it is, or they'll hang up. It's awesome. Have fun with the person. But be persistent, and make them tell you what the call is regarding. Now it's THEIR choice. Collections: Is Nick there? Me: Nope. He's filming right now. Collections: Filming? Me: Yeah, he's a cameraman for a adult company (BBBUUURRRP) Collections: Can you transfer us? Me: Right, I'll BET you'd like that, huh? Or just be subtle. Collections: Is Nick there? Me: Who's askin'? Collections: Is this Nick? Me: Who's askin'? Collections: This is Nick, right? Me: What is your purpose for calling? Collections: Well, Nick, this is regarding your delinquent account with Nordstroms. Me: I never said I was Nick. This is his roommate. And you've called 5 times this week. This is MY phone line, and I'm going to ask you to cease and desist. Please give me your address so I may send a demand letter to your corporate office demanding you remove my number and stop calling me. Not doing so is against the law. Now if they go any further, they're breaking the law. My favorite one from a female: Collections: Is Nick there? Me: No, can I take a message? Collections: Is this Nick? Me: (pause) Uh... noooo... Collections: Well, this sounds like Nick. (ahh, that was a new one! Very clever!) Me: Is this Tammy? Collections: No. Me: Is this Jennifer? Collections: No. Me: Is this Tracie? Collections: No. Me: Heather? Collections: No. Me: Well, unless you're responding to my website dating ad, I'm waiting for one of them to call, so call back later. And if they said, yes, this is Jennifer, I'd say, Jennifer Marshall? If they said no, then well, I was waiting for Jennifer Marshall. If they said YES, then I'd say something crazy like "Oh good, because you owe me child support, you deadbeat". There are SO many ways to complicate these calls. The IMPORTANT PART is to HAVE FUN and NOT LOSE YOUR COOL. Don't get mad. They're calling YOUR house. Make THEM identify THEMSELVES and state their purpose of calling FIRST. You are under NO OBLIGATION to EVER reveal YOUR IDENTITY. EVER. They WILL assume your identity if you get into a conversation. You'll be talking, and they'll say your name. "So Nick, what payment arrangement will you make"? A good first reaction is "Who is Nick"? It COULD be a psycho - there is no law requiring you to reveal WHO YOU ARE. Or.. just hang up on them. They can't sue you if they don't contact you. So make it tough for them to contact you. And they're probably not going to send you a court summons unless you verify your address. They'd be sending those out all day, every day, and NO company is that irresponsible, nor can they afford to send summons to wrong addresses. People move all the time, and they know it. Kristy's attitude is a lot like the typical collections hack. They act all official, using important sounding words, and bossing people around. In the end, they can't even spell their boss's name right or form sentences with proper grammar. Don't be bossed around. They're calling YOUR phone, the one you pay service for. I decided long ago that something I paid for would not be used to extort money from me. Ever. That's MY phone, and it's a privilege if you use MY phone to call ME. The requirement is that YOU must identify YOURSELF FIRST. You owe ANY caller NOTHING. Adapt that mentality. Finally, get a cheap answering machine. The 15 dollar one at the blue and yellow electronics store has an automatic "computer voice" generic message, "Thank you for calling, please leave a message". Don't make your own message with your name, number and voice. Collections agents, the ruthless ones, get paid THOUSANDS of dollars EVERY MONTH. Make them work for it, and don't give them the advantage of even knowing that they have your correct phone number. Finally, only an IDIOT would verify their social security number to a stranger, as Kristy stated is "the norm" at Cambece. Seriously, if someone outright asked for my SS# over the phone, I'd tell them to take a long walk off a short pier and hug an octopus. For ANY reason. But now that I know debt collectors use that to identify people, I'll make sure EVEN MORE that I send that message to all my friends via email.

Thanks Kristy What a splendid response: Kristy said: Everyone involved with Cambece knows there laws well. Apparently the guy that barely spoke English to the original poster is in the same department as Kristy. Spelling AND grammar mistakes abound! She couldn't even spell Anthony Cambece's name correctly. What a testimony of dedication! The cream of the crop, indeed! But that wasn't nearly as awesome as this gem: Kristy said: Please stop complaining on a stupid website and pay your debts. It only helps you in the end... HAHAHAHAHA! And not you, eh? Get back to work! To the original poster, here is what I do for collections and telephone solicitors. Me: Hello? Collections: Yes, we are looking for Nick *******. Me. Who is calling? Collections: Is this Nick? Me: Nope. I can take a message for him. Collections: Have him call us. Me: What is this regarding? Collections: We can't tell you. Me: Then I can't deliver the message. Collections: Why? Me: It is his office policy. Please leave a message Collections: It is a business matter. Me: And this is his business. I'm the secretary. You'll need to be more specific Collections: It is confidential. Me: Well, if you don't leave a specific message, I'm told not to deliver them. Collections: What? Me: Hey, I just work for the guy. I'm not getting fired for someone I don't know. Collections: Can you connect us to his office? Me: Nope. Not without a specific message. Collections: Why? Me: Because, don't you know who he is? He's Nick ******!!! He gets threats for his line of work all day. Collections: Uhm... uhm.... At that point, they'll either say what it is, or they'll hang up. It's awesome. Have fun with the person. But be persistent, and make them tell you what the call is regarding. Now it's THEIR choice. Collections: Is Nick there? Me: Nope. He's filming right now. Collections: Filming? Me: Yeah, he's a cameraman for a adult company (BBBUUURRRP) Collections: Can you transfer us? Me: Right, I'll BET you'd like that, huh? Or just be subtle. Collections: Is Nick there? Me: Who's askin'? Collections: Is this Nick? Me: Who's askin'? Collections: This is Nick, right? Me: What is your purpose for calling? Collections: Well, Nick, this is regarding your delinquent account with Nordstroms. Me: I never said I was Nick. This is his roommate. And you've called 5 times this week. This is MY phone line, and I'm going to ask you to cease and desist. Please give me your address so I may send a demand letter to your corporate office demanding you remove my number and stop calling me. Not doing so is against the law. Now if they go any further, they're breaking the law. My favorite one from a female: Collections: Is Nick there? Me: No, can I take a message? Collections: Is this Nick? Me: (pause) Uh... noooo... Collections: Well, this sounds like Nick. (ahh, that was a new one! Very clever!) Me: Is this Tammy? Collections: No. Me: Is this Jennifer? Collections: No. Me: Is this Tracie? Collections: No. Me: Heather? Collections: No. Me: Well, unless you're responding to my website dating ad, I'm waiting for one of them to call, so call back later. And if they said, yes, this is Jennifer, I'd say, Jennifer Marshall? If they said no, then well, I was waiting for Jennifer Marshall. If they said YES, then I'd say something crazy like "Oh good, because you owe me child support, you deadbeat". There are SO many ways to complicate these calls. The IMPORTANT PART is to HAVE FUN and NOT LOSE YOUR COOL. Don't get mad. They're calling YOUR house. Make THEM identify THEMSELVES and state their purpose of calling FIRST. You are under NO OBLIGATION to EVER reveal YOUR IDENTITY. EVER. They WILL assume your identity if you get into a conversation. You'll be talking, and they'll say your name. "So Nick, what payment arrangement will you make"? A good first reaction is "Who is Nick"? It COULD be a psycho - there is no law requiring you to reveal WHO YOU ARE. Or.. just hang up on them. They can't sue you if they don't contact you. So make it tough for them to contact you. And they're probably not going to send you a court summons unless you verify your address. They'd be sending those out all day, every day, and NO company is that irresponsible, nor can they afford to send summons to wrong addresses. People move all the time, and they know it. Kristy's attitude is a lot like the typical collections hack. They act all official, using important sounding words, and bossing people around. In the end, they can't even spell their boss's name right or form sentences with proper grammar. Don't be bossed around. They're calling YOUR phone, the one you pay service for. I decided long ago that something I paid for would not be used to extort money from me. Ever. That's MY phone, and it's a privilege if you use MY phone to call ME. The requirement is that YOU must identify YOURSELF FIRST. You owe ANY caller NOTHING. Adapt that mentality. Finally, get a cheap answering machine. The 15 dollar one at the blue and yellow electronics store has an automatic "computer voice" generic message, "Thank you for calling, please leave a message". Don't make your own message with your name, number and voice. Collections agents, the ruthless ones, get paid THOUSANDS of dollars EVERY MONTH. Make them work for it, and don't give them the advantage of even knowing that they have your correct phone number. Finally, only an IDIOT would verify their social security number to a stranger, as Kristy stated is "the norm" at Cambece. Seriously, if someone outright asked for my SS# over the phone, I'd tell them to take a long walk off a short pier and hug an octopus. For ANY reason. But now that I know debt collectors use that to identify people, I'll make sure EVEN MORE that I send that message to all my friends via email.

Thanks Kristy What a splendid response: Kristy said: Everyone involved with Cambece knows there laws well. Apparently the guy that barely spoke English to the original poster is in the same department as Kristy. Spelling AND grammar mistakes abound! She couldn't even spell Anthony Cambece's name correctly. What a testimony of dedication! The cream of the crop, indeed! But that wasn't nearly as awesome as this gem: Kristy said: Please stop complaining on a stupid website and pay your debts. It only helps you in the end... HAHAHAHAHA! And not you, eh? Get back to work! To the original poster, here is what I do for collections and telephone solicitors. Me: Hello? Collections: Yes, we are looking for Nick *******. Me. Who is calling? Collections: Is this Nick? Me: Nope. I can take a message for him. Collections: Have him call us. Me: What is this regarding? Collections: We can't tell you. Me: Then I can't deliver the message. Collections: Why? Me: It is his office policy. Please leave a message Collections: It is a business matter. Me: And this is his business. I'm the secretary. You'll need to be more specific Collections: It is confidential. Me: Well, if you don't leave a specific message, I'm told not to deliver them. Collections: What? Me: Hey, I just work for the guy. I'm not getting fired for someone I don't know. Collections: Can you connect us to his office? Me: Nope. Not without a specific message. Collections: Why? Me: Because, don't you know who he is? He's Nick ******!!! He gets threats for his line of work all day. Collections: Uhm... uhm.... At that point, they'll either say what it is, or they'll hang up. It's awesome. Have fun with the person. But be persistent, and make them tell you what the call is regarding. Now it's THEIR choice. Collections: Is Nick there? Me: Nope. He's filming right now. Collections: Filming? Me: Yeah, he's a cameraman for a adult company (BBBUUURRRP) Collections: Can you transfer us? Me: Right, I'll BET you'd like that, huh? Or just be subtle. Collections: Is Nick there? Me: Who's askin'? Collections: Is this Nick? Me: Who's askin'? Collections: This is Nick, right? Me: What is your purpose for calling? Collections: Well, Nick, this is regarding your delinquent account with Nordstroms. Me: I never said I was Nick. This is his roommate. And you've called 5 times this week. This is MY phone line, and I'm going to ask you to cease and desist. Please give me your address so I may send a demand letter to your corporate office demanding you remove my number and stop calling me. Not doing so is against the law. Now if they go any further, they're breaking the law. My favorite one from a female: Collections: Is Nick there? Me: No, can I take a message? Collections: Is this Nick? Me: (pause) Uh... noooo... Collections: Well, this sounds like Nick. (ahh, that was a new one! Very clever!) Me: Is this Tammy? Collections: No. Me: Is this Jennifer? Collections: No. Me: Is this Tracie? Collections: No. Me: Heather? Collections: No. Me: Well, unless you're responding to my website dating ad, I'm waiting for one of them to call, so call back later. And if they said, yes, this is Jennifer, I'd say, Jennifer Marshall? If they said no, then well, I was waiting for Jennifer Marshall. If they said YES, then I'd say something crazy like "Oh good, because you owe me child support, you deadbeat". There are SO many ways to complicate these calls. The IMPORTANT PART is to HAVE FUN and NOT LOSE YOUR COOL. Don't get mad. They're calling YOUR house. Make THEM identify THEMSELVES and state their purpose of calling FIRST. You are under NO OBLIGATION to EVER reveal YOUR IDENTITY. EVER. They WILL assume your identity if you get into a conversation. You'll be talking, and they'll say your name. "So Nick, what payment arrangement will you make"? A good first reaction is "Who is Nick"? It COULD be a psycho - there is no law requiring you to reveal WHO YOU ARE. Or.. just hang up on them. They can't sue you if they don't contact you. So make it tough for them to contact you. And they're probably not going to send you a court summons unless you verify your address. They'd be sending those out all day, every day, and NO company is that irresponsible, nor can they afford to send summons to wrong addresses. People move all the time, and they know it. Kristy's attitude is a lot like the typical collections hack. They act all official, using important sounding words, and bossing people around. In the end, they can't even spell their boss's name right or form sentences with proper grammar. Don't be bossed around. They're calling YOUR phone, the one you pay service for. I decided long ago that something I paid for would not be used to extort money from me. Ever. That's MY phone, and it's a privilege if you use MY phone to call ME. The requirement is that YOU must identify YOURSELF FIRST. You owe ANY caller NOTHING. Adapt that mentality. Finally, get a cheap answering machine. The 15 dollar one at the blue and yellow electronics store has an automatic "computer voice" generic message, "Thank you for calling, please leave a message". Don't make your own message with your name, number and voice. Collections agents, the ruthless ones, get paid THOUSANDS of dollars EVERY MONTH. Make them work for it, and don't give them the advantage of even knowing that they have your correct phone number. Finally, only an IDIOT would verify their social security number to a stranger, as Kristy stated is "the norm" at Cambece. Seriously, if someone outright asked for my SS# over the phone, I'd tell them to take a long walk off a short pier and hug an octopus. For ANY reason. But now that I know debt collectors use that to identify people, I'll make sure EVEN MORE that I send that message to all my friends via email.

Thanks Kristy What a splendid response: Kristy said: Everyone involved with Cambece knows there laws well. Apparently the guy that barely spoke English to the original poster is in the same department as Kristy. Spelling AND grammar mistakes abound! She couldn't even spell Anthony Cambece's name correctly. What a testimony of dedication! The cream of the crop, indeed! But that wasn't nearly as awesome as this gem: Kristy said: Please stop complaining on a stupid website and pay your debts. It only helps you in the end... HAHAHAHAHA! And not you, eh? Get back to work! To the original poster, here is what I do for collections and telephone solicitors. Me: Hello? Collections: Yes, we are looking for Nick *******. Me. Who is calling? Collections: Is this Nick? Me: Nope. I can take a message for him. Collections: Have him call us. Me: What is this regarding? Collections: We can't tell you. Me: Then I can't deliver the message. Collections: Why? Me: It is his office policy. Please leave a message Collections: It is a business matter. Me: And this is his business. I'm the secretary. You'll need to be more specific Collections: It is confidential. Me: Well, if you don't leave a specific message, I'm told not to deliver them. Collections: What? Me: Hey, I just work for the guy. I'm not getting fired for someone I don't know. Collections: Can you connect us to his office? Me: Nope. Not without a specific message. Collections: Why? Me: Because, don't you know who he is? He's Nick ******!!! He gets threats for his line of work all day. Collections: Uhm... uhm.... At that point, they'll either say what it is, or they'll hang up. It's awesome. Have fun with the person. But be persistent, and make them tell you what the call is regarding. Now it's THEIR choice. Collections: Is Nick there? Me: Nope. He's filming right now. Collections: Filming? Me: Yeah, he's a cameraman for a adult company (BBBUUURRRP) Collections: Can you transfer us? Me: Right, I'll BET you'd like that, huh? Or just be subtle. Collections: Is Nick there? Me: Who's askin'? Collections: Is this Nick? Me: Who's askin'? Collections: This is Nick, right? Me: What is your purpose for calling? Collections: Well, Nick, this is regarding your delinquent account with Nordstroms. Me: I never said I was Nick. This is his roommate. And you've called 5 times this week. This is MY phone line, and I'm going to ask you to cease and desist. Please give me your address so I may send a demand letter to your corporate office demanding you remove my number and stop calling me. Not doing so is against the law. Now if they go any further, they're breaking the law. My favorite one from a female: Collections: Is Nick there? Me: No, can I take a message? Collections: Is this Nick? Me: (pause) Uh... noooo... Collections: Well, this sounds like Nick. (ahh, that was a new one! Very clever!) Me: Is this Tammy? Collections: No. Me: Is this Jennifer? Collections: No. Me: Is this Tracie? Collections: No. Me: Heather? Collections: No. Me: Well, unless you're responding to my website dating ad, I'm waiting for one of them to call, so call back later. And if they said, yes, this is Jennifer, I'd say, Jennifer Marshall? If they said no, then well, I was waiting for Jennifer Marshall. If they said YES, then I'd say something crazy like "Oh good, because you owe me child support, you deadbeat". There are SO many ways to complicate these calls. The IMPORTANT PART is to HAVE FUN and NOT LOSE YOUR COOL. Don't get mad. They're calling YOUR house. Make THEM identify THEMSELVES and state their purpose of calling FIRST. You are under NO OBLIGATION to EVER reveal YOUR IDENTITY. EVER. They WILL assume your identity if you get into a conversation. You'll be talking, and they'll say your name. "So Nick, what payment arrangement will you make"? A good first reaction is "Who is Nick"? It COULD be a psycho - there is no law requiring you to reveal WHO YOU ARE. Or.. just hang up on them. They can't sue you if they don't contact you. So make it tough for them to contact you. And they're probably not going to send you a court summons unless you verify your address. They'd be sending those out all day, every day, and NO company is that irresponsible, nor can they afford to send summons to wrong addresses. People move all the time, and they know it. Kristy's attitude is a lot like the typical collections hack. They act all official, using important sounding words, and bossing people around. In the end, they can't even spell their boss's name right or form sentences with proper grammar. Don't be bossed around. They're calling YOUR phone, the one you pay service for. I decided long ago that something I paid for would not be used to extort money from me. Ever. That's MY phone, and it's a privilege if you use MY phone to call ME. The requirement is that YOU must identify YOURSELF FIRST. You owe ANY caller NOTHING. Adapt that mentality. Finally, get a cheap answering machine. The 15 dollar one at the blue and yellow electronics store has an automatic "computer voice" generic message, "Thank you for calling, please leave a message". Don't make your own message with your name, number and voice. Collections agents, the ruthless ones, get paid THOUSANDS of dollars EVERY MONTH. Make them work for it, and don't give them the advantage of even knowing that they have your correct phone number. Finally, only an IDIOT would verify their social security number to a stranger, as Kristy stated is "the norm" at Cambece. Seriously, if someone outright asked for my SS# over the phone, I'd tell them to take a long walk off a short pier and hug an octopus. For ANY reason. But now that I know debt collectors use that to identify people, I'll make sure EVEN MORE that I send that message to all my friends via email.

Let me just begin by asking if any of you have lives to live? The facts of the matter is, cambece law firm did not buy your debt for profitable gain. Actually Collect America baught it from the creditor, and Cambece law firm is not a 3rd party collection agency, it really is a law firm. I also want to state for the record that Cambece Law Office P.C does not break any FDCPA rules. Anthony Camebece has a very succesful law firm. You can record the calls, its encouraged. This will allow collectors to realize that you really are concerned about your debt. Also, just know that the story f/ Sally in Tuscan Arizona is horribly false. It is illegal for a collector to hang up on the dbtr, and it never happens. It is illegal for a collector to state suing is an option. Although it is mentioned that it is possible for your account to move forward and you will be mailed the proper information as to the next step taken as a law firm. Realize that Cambece law firm would never give your information to a 3rd party. Thats why we ver. ss# in the beggining. If you say the social is yours on a recorded line-You would be responsible for the consequences. Its as simple as this. Do you want to work it out or not? Are you going through a hardship, they will help you if you make the effort to pay this debt off. It is not illegal to collect on a debt after it has been sold from the original creditor if it has not been seven years. Remeber dbtr's the only people this effects is you! It is on your credit report and no one has ever been turned away from Cambece Law Firm that was cooperating with them. To add to the mayhem... I would like all of you to know they can and will sue. You do owe a debt and they do have licenses to pursue further actions and collect in your state. No one is being harrased, that too is illegal. Everyone involved with Cambece knows there laws well. Please stop complaining on a stupid website and pay your debts. It only helps you in the end, you dont recieve any more phone calls, letters, or money problems. In fact you don't have to deal with them at all, and it is DEFINETLY reported on your credit report. No confrontation//just negotiation... KG Cambece Law Firm. Salem, MA.

Rick, One more thing...It is illegal to even mention the word lawsuit or "suit" in any collections conversation unless you intend to file such suit, and you must be legally able to sue, which means the debt needs to be valid. If these conditions don't exist, you have violated several laws. I can't believe you have been there 6 months. Collectors don't last that long at any one place, especially Cambece. Cambece is running an illegal operation. So don't kid yourself or try to justify your scummy operation. Get a legitimate "Christian" job.

Where to start...Well, I've been working at Cambece (in the legal section) for about 6 months now. For the record, I'm a Christian. I'm no mormon, but I do try to follow Christian values the best I can. (I only say this so you can understand my point of view, not to declare myself better than the rest and some who undoubtly think. I also don't work at the Peabody office, but nearby. I've been in the legal section for a while now and have never been asked to do anything deceptive or cruel. I have seen employees get a little to annoyed and make bad remarks. These employees have been dealt with by managers. Usually some time off, a counseling meeting with a higher up, and sometimes termination. You all speak like we're scum of the Earth, but the fact of the matter is that we are just like most other companies. From McDonalds to AOl to any other corporation, there are good and bad apples. About 90% of everyone in the building does the job well and is pretty polite. The others are soon dealt with. The problem with the other 10% is that they start to take the job personally and become agitated. Most of us are polite and respectful because we've been in the debtor's shoes. We know what it's like to owe a debt and be backed against the wall. In the pas 6 months, I've seen 3 people terminated and several disciplined. Put yourself in our shoes. We're trying to collect money from people that owe it to us (Cambece Law). Our success rate means the firm staying in business. True we do get bonuses on the money we bring in (not much), but that doesn't cause us to go after you. It actually works out better for us to try and set up a payment plan for the debtor, rather than ask for a huge lump sum. People are more likely to pay off a bill if they only have to do a little at a time. 95% of the time they hand up on us if we "demand" a huge lump sum. Finally, we have a compliance lawyer listening in on random phone calls every day to watch out for FDCPA violations. We can't threaten suit, but we (the legal dept) can tell people that their file is being "considered" or "recommended" for suit (which it is and usually does get sued) if they don't work with us. I know this is a lot of info, but I just thought that it is important to put the truth down. Many of you probably won't believe it, probably because you've dealt with a few bad apples. But for the most part, we're (employees) all decent people who has a job to do, but are also sympathic to the debtors needs and will work something out if possible. -God bless, Rick

My personal Cambece nightmare will air tonight on our local new channel. I had a consumer reporter inteview me and he will be airing my story tonight. He said Cambece would not give him the time of day and would not return his calls, but he is going to air the story anyway. I currently have a lawsuit pending against them and would love to make it a class action suit. I am in Independence, Ky. and would like to hear from anyone else who is interested in suing Cambece.