• Report: #406214

Complaint Review: JA Cambece

  • Submitted: Tue, December 30, 2008
  • Updated: Fri, February 20, 2009

  • Reported By:Boston Massachusetts
JA Cambece
Peabody Peabody, Massachusetts U.S.A.

JA Cambece Need info on JA Cambece PeabodyPeabody Massachusetts

*Consumer Comment: TO JA STACEY IS CORRECT -

*Consumer Suggestion: Yes they will sue you.

*Consumer Comment: GET REAL!

*Consumer Suggestion: expert

*Consumer Comment: Never EVER pay a third party debt collector!!!!

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I was contacted by JA Cambece, on a credit card debt with Bank of America.

I tried to set up payments with them but they refused.
I am also in the process of possiby setting up an account with fredom debt relief to get me out of debt.
The eprson i spoke to wanted me to settle the debt by 5 o'clock but i don't have the money.

They called me at work and i asked them not to.
The person i spoke with wanted to speak with my HR dept. Not sure why.

They said something about my job being an asset. Can anyone explain to me what he mwant and what his purpose of speaking to HR was.

Has anyone been sued by them?

How long after initial contact do they move forward with legal action?

Also, does anyone have any advice as far as Freedom Debt relief?

Are they helpful?

Will they help me straighten out this matter?
Thanks

Bostoncitymass
Boston, Massachusetts
U.S.A.

This report was posted on Ripoff Report on 12/30/2008 11:20 AM and is a permanent record located here: http://www.ripoffreport.com/r/JA-Cambece/Peabody-Massachusetts/JA-Cambece-Need-info-on-JA-Cambece-PeabodyPeabody-Massachusetts-406214. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Comment

TO JA STACEY IS CORRECT -

AUTHOR: Laurie - (U.S.A.)

GO TO WWW.BUDHIBBS.COM IMMEDIATELY
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#2 Consumer Suggestion

Yes they will sue you.

AUTHOR: The Ville - (U.S.A.)

After you start getting calls, it's probably about 4-6mo before you receive a summons. Cambece is one of the larger firms in MA. I was sued by them.

When the summons comes, do not answer it with a yes!
Answer no and and also make them proove the debt is yours.
Look this up on the internet, you will find resources on how to answer a summons.
I just spoke to a lawyer yesterday in fact and he said the same thing
It will be coming though.

They are jerks and will harrass you just enough, but not enough to fully break the law...most times.

They have been fined once for unfair practices and another suit is pending.
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#3 Consumer Comment

GET REAL!

AUTHOR: Stacey - (U.S.A.)

do not listen to mr info - never EVER settle with a third party debt collector
just go to www.budhibbs.com
He is alot of good information
As to those who say do not listen to Bud Hibbs - give him a chance -
I have spoken to him many times and he has good information - I trust and so does my attorney
I sued one of these bottom feeder collection agencies and won
Do not give up - get informed and get paid
Stacey
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#4 Consumer Suggestion

expert

AUTHOR: Infoexpert - (U.S.A.)

To answer a few of your questions:
CCCS companies or debt relief companies are rip offs. I got gipped out of $2,000 a couple of years ago and know of several others who have also been riped off. Also Debt Settlement companies are not the answer either they will put all your funds into an account and never make a payment to your debt for 6months-4 years depending on the size of the debt in which in the mean time your account could be sold again you could continue to get calls and be riped off of more money.

You can most certainly set up payments if any company refuses you have the right as a consumer to send in whatever amount you can afford. Usually it is better if you take the amount and divide it over 12 months if it is over $1k. If it is under that try to get it done in 6 months. Settling is always the key even if you have to save for a little bit. Most generally you can settle a debt for 50% don't accept no for an answer just stay persistant with it till they give in and agree to let you do it.

Companies do have a right to put a deadline on when the balance needs to be paid even if it is the same day.

If you ask any company not to contact you at work verbaly then they are technically suppose to stop, but some places require it in writing.

Some collection companies will ask to speak to your HR dept to verify your employment. Your job can be considered an asset depending on the state they can garnish wages and freeze bank accounts to collect funds. Also if you own property that can be leaned against.

All Collection Law Firms Can Sue.

How long after initial contact do they move forward with legal action?
It depends it could be a month-6 months depending on the assests and amount of the bill....this varies company to company. Usually if the debt is under $1,000 most companies will not attempt to sue.

Also, does anyone have any advice as far as Freedom Debt relief?
Don't Do It

Are they helpful? NO!

Will they help me straighten out this matter? NO!
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#5 Consumer Comment

Never EVER pay a third party debt collector!!!!

AUTHOR: Stacey - (U.S.A.)

This is one of the WORST third party debt collectors - They buy old debts for pennies on the dollar then inflate the value to collect money from you

They are not a law firm but a collection agency
Here is some info from www.budhibbs.com - I know him and he is a good man (also a friend of my attorney)

I sued one of these bottom feeder collection agencies and won

For starters - you cannot be arrested for a debt
DO NOT talk to them on the phone - DO NOT make payment arrangements
Get informed

Cambece, James Anthony
8 Bourbon St. Peabody, Massachusetts 01960
Phone: (978) 535-3030 978-826-1299 707-236-3941
Fax: (978) 535-7070 or try (978) 744-1762

MA AG Tags Cambece - "Debt collectors to pay $75,000 settlement"

Bud Says Consumer Comments Below This organization will lie, threaten, intimidate, extort, and coerce you into sending them money under threat of litigation, wage garnishment, and property seizure.

Attorney Cambece is ONLY licensed to practice law in MA and is unlikely to go into a courtroom against REAL lawyers who know and understand the law.

The BEST way to deal with 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 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 attorney:

File complaints against Cambece with the MA Bar at:
(((Redacted)))
CAUTION: I recommend you NEVER disclose your bank account or credit card information to a debt collector, as you risk them emptying your account, or maxing out your credit card. If you feel they are reporting on your credit bureau files in error or need assistance in dealing with them, email the details w/your location. Assistance and referral to a consumer legal specialist may be available.
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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.
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