Cambece Law - Collect America Debt Collector Ripoff Peabody Massachusetts

Before you/anyone reads my rebuttal, i want to make it clear that i am an ex-collector for Cambece Law, and have years of experience doing collections! And even though my rebuttal is in favor of Cambece, I do agree with ALOT of consumers opinions, and i think alot of collectors worldwide are rude, careless, and unfair as i have witnessed them myself! Personally, im not going to sit here and say that I was the best debt collector, and I did everything right, and made everybody happy! But I can honestly say that I AM a very caring person, and ALWAYS LISTENED to the consumer to hear what they had to say! I always tried to be as fair as I could, but obviously, i had strict guidelines to obey, and had to work in the best interest of the attorny's client! I HAD to do my job, even though sometimes I felt bad for some people, and wished i could do more for them! I did what I could!

REBUTTAL: After reading your report, and all of the rebuttals, i cant help but laugh at some of the advice people are trying to give you!! I CAN actually agree with "some" quotes from "each" rebuttal! 1st off, any contract for a credit card states that if the account "ever" goes into default, the balance is LEGALLY due at that time! If the account remains unpaid, that's when the account is charged off, and sent to collections! I believe if the account is unpaid for 6 months, the original creditor LEGALLY HAS TO charge the debt off! They try to speak with debtor's spouses for the reason that they can/may be effected by thier husbands/wife's credit, like when going to finance a home, or car! If one of you doesn't have good credit or any credit, you may use your spouses! Now as far as Cambece (3rd party collections) LEGALLY, they dont HAVE to approve you for ANY hardship arrangment/or settlement! Will they?? Of course, it would make more sense to offer a reduction on the bill, or set up a payment arrangment to avoid court costs, or further costly collection efforts! Most places will not deny your payments even though most say they will.....especially when there is interest involved (which ISN'T always the case), why wouldn't they let you continue paying interest? The bill barely goes down, and you are just paying a monthly fee to keep the account in thier office! But as another person stated on another rebuttal, if/when they accept a payment arrangment, they are pretty much letting you refinance a BAD DEBT off of your word. And when they do accept your payment arrangment, depending on the amount of the debt, the arrangment isn't approved for the whole dept! If someone wants to make $50/month payments on a $4,000 dept..it would take them over 6 years to pay it off (and thats WITHOUT insterest being acrewed)....a payment arrangment (PPA) is set up as a "COURTESY" to the consumer to allow them time to look into any resources they MAY have to try and pay the bill off! If your payments are consistant with no default, Cambece Law (I cant speak for other companies) normally will try thier best to work with you by offering extentions on your payment arrangment, and/or a settlement option to try and save you interest/penalty costs that have already been added! But what do you expect if the checks (especially the 1st check) comes back as a bounce? Its not just the consumer that gets a fee for that check, the company does also! What would you do if someone owed you the money, and they said they would make payments, but the funds weren't there? Would you trust them again?? In most cases, they would have called the balance due at that point, but they allowed you to make up the payment, and continue on with the PPA! And then it happend again! Now as far as what someone else said about u shouldn't have made ANY payments, and should go to "Bud Hibbs", and request C&D (cease and desist) or VOD (Validation Of the Dept)....Bud hibbs is also well known on this site, and isn't all he is hyped up to be!! LOOK HIM UP!! If you KNOW you owe the debt, why would you request proof?? Stall tactic?? I can understand someone wanting to make sure that the company they are speaking with REALLY has thier account....fraud is unfortunatly a rapidly growing crime in this world! But if you request a VOD or send in a cease and desist request, the bill isn't going to disappear! Its not going to get any smaller! If they called your husbands place of employment, and cursed his boss, THAT IS ILLEGAL!! I would be VERY upset if that happend to me, and believe it or not, i get upset when i hear that it happens to other people that i don't even know! Its wrong, and shouldn't be tolerated! Also, if you are represented by an attorney, i don't see why he would have given them permission to call you or your husband directly....what are you paying him for? To be your receptionist?? And please understand that collections isn't an easy job...especially these days, and this economy! Even though I AGREE that ALOT of collectors take thier job TOO seriously, personally, and break laws.....there are just as many collectors (or ex-collectors such as myself) that are just trying to do thier job like all of you! And im sure you can understand that they deal with alot of rude, mean, careless, EXTREMELY VULGAR people on a daily basis! But most try to be understanding, and dont take things personal on the job! In my experience of doing collections, MOST of the people that complain about collection agencies just DONT WANT TO PAY THIER BILL!! And in alot of cases, NONE OF THIER BILLS ARE GETTING PAID per thier credit report! As far as them being able to take your home, every state has different laws when it comes to stuff like that! I want to say NO, but im not 100% sure what they do after the account leaves an office! I would ask your attorny! I hope this rebuttal will help you and/or anybody else in your situation that reads this! I also want to wish you the best of luck and I hope everything works out for you!!

Before you/anyone reads my rebuttal, i want to make it clear that i am an ex-collector for Cambece Law, and have years of experience doing collections! And even though my rebuttal is in favor of Cambece, I do agree with ALOT of consumers opinions, and i think alot of collectors worldwide are rude, careless, and unfair as i have witnessed them myself! Personally, im not going to sit here and say that I was the best debt collector, and I did everything right, and made everybody happy! But I can honestly say that I AM a very caring person, and ALWAYS LISTENED to the consumer to hear what they had to say! I always tried to be as fair as I could, but obviously, i had strict guidelines to obey, and had to work in the best interest of the attorny's client! I HAD to do my job, even though sometimes I felt bad for some people, and wished i could do more for them! I did what I could!

REBUTTAL: After reading your report, and all of the rebuttals, i cant help but laugh at some of the advice people are trying to give you!! I CAN actually agree with "some" quotes from "each" rebuttal! 1st off, any contract for a credit card states that if the account "ever" goes into default, the balance is LEGALLY due at that time! If the account remains unpaid, that's when the account is charged off, and sent to collections! I believe if the account is unpaid for 6 months, the original creditor LEGALLY HAS TO charge the debt off! They try to speak with debtor's spouses for the reason that they can/may be effected by thier husbands/wife's credit, like when going to finance a home, or car! If one of you doesn't have good credit or any credit, you may use your spouses! Now as far as Cambece (3rd party collections) LEGALLY, they dont HAVE to approve you for ANY hardship arrangment/or settlement! Will they?? Of course, it would make more sense to offer a reduction on the bill, or set up a payment arrangment to avoid court costs, or further costly collection efforts! Most places will not deny your payments even though most say they will.....especially when there is interest involved (which ISN'T always the case), why wouldn't they let you continue paying interest? The bill barely goes down, and you are just paying a monthly fee to keep the account in thier office! But as another person stated on another rebuttal, if/when they accept a payment arrangment, they are pretty much letting you refinance a BAD DEBT off of your word. And when they do accept your payment arrangment, depending on the amount of the debt, the arrangment isn't approved for the whole dept! If someone wants to make $50/month payments on a $4,000 dept..it would take them over 6 years to pay it off (and thats WITHOUT insterest being acrewed)....a payment arrangment (PPA) is set up as a "COURTESY" to the consumer to allow them time to look into any resources they MAY have to try and pay the bill off! If your payments are consistant with no default, Cambece Law (I cant speak for other companies) normally will try thier best to work with you by offering extentions on your payment arrangment, and/or a settlement option to try and save you interest/penalty costs that have already been added! But what do you expect if the checks (especially the 1st check) comes back as a bounce? Its not just the consumer that gets a fee for that check, the company does also! What would you do if someone owed you the money, and they said they would make payments, but the funds weren't there? Would you trust them again?? In most cases, they would have called the balance due at that point, but they allowed you to make up the payment, and continue on with the PPA! And then it happend again! Now as far as what someone else said about u shouldn't have made ANY payments, and should go to "Bud Hibbs", and request C&D (cease and desist) or VOD (Validation Of the Dept)....Bud hibbs is also well known on this site, and isn't all he is hyped up to be!! LOOK HIM UP!! If you KNOW you owe the debt, why would you request proof?? Stall tactic?? I can understand someone wanting to make sure that the company they are speaking with REALLY has thier account....fraud is unfortunatly a rapidly growing crime in this world! But if you request a VOD or send in a cease and desist request, the bill isn't going to disappear! Its not going to get any smaller! If they called your husbands place of employment, and cursed his boss, THAT IS ILLEGAL!! I would be VERY upset if that happend to me, and believe it or not, i get upset when i hear that it happens to other people that i don't even know! Its wrong, and shouldn't be tolerated! Also, if you are represented by an attorney, i don't see why he would have given them permission to call you or your husband directly....what are you paying him for? To be your receptionist?? And please understand that collections isn't an easy job...especially these days, and this economy! Even though I AGREE that ALOT of collectors take thier job TOO seriously, personally, and break laws.....there are just as many collectors (or ex-collectors such as myself) that are just trying to do thier job like all of you! And im sure you can understand that they deal with alot of rude, mean, careless, EXTREMELY VULGAR people on a daily basis! But most try to be understanding, and dont take things personal on the job! In my experience of doing collections, MOST of the people that complain about collection agencies just DONT WANT TO PAY THIER BILL!! And in alot of cases, NONE OF THIER BILLS ARE GETTING PAID per thier credit report! As far as them being able to take your home, every state has different laws when it comes to stuff like that! I want to say NO, but im not 100% sure what they do after the account leaves an office! I would ask your attorny! I hope this rebuttal will help you and/or anybody else in your situation that reads this! I also want to wish you the best of luck and I hope everything works out for you!!

Before you/anyone reads my rebuttal, i want to make it clear that i am an ex-collector for Cambece Law, and have years of experience doing collections! And even though my rebuttal is in favor of Cambece, I do agree with ALOT of consumers opinions, and i think alot of collectors worldwide are rude, careless, and unfair as i have witnessed them myself! Personally, im not going to sit here and say that I was the best debt collector, and I did everything right, and made everybody happy! But I can honestly say that I AM a very caring person, and ALWAYS LISTENED to the consumer to hear what they had to say! I always tried to be as fair as I could, but obviously, i had strict guidelines to obey, and had to work in the best interest of the attorny's client! I HAD to do my job, even though sometimes I felt bad for some people, and wished i could do more for them! I did what I could!

REBUTTAL: After reading your report, and all of the rebuttals, i cant help but laugh at some of the advice people are trying to give you!! I CAN actually agree with "some" quotes from "each" rebuttal! 1st off, any contract for a credit card states that if the account "ever" goes into default, the balance is LEGALLY due at that time! If the account remains unpaid, that's when the account is charged off, and sent to collections! I believe if the account is unpaid for 6 months, the original creditor LEGALLY HAS TO charge the debt off! They try to speak with debtor's spouses for the reason that they can/may be effected by thier husbands/wife's credit, like when going to finance a home, or car! If one of you doesn't have good credit or any credit, you may use your spouses! Now as far as Cambece (3rd party collections) LEGALLY, they dont HAVE to approve you for ANY hardship arrangment/or settlement! Will they?? Of course, it would make more sense to offer a reduction on the bill, or set up a payment arrangment to avoid court costs, or further costly collection efforts! Most places will not deny your payments even though most say they will.....especially when there is interest involved (which ISN'T always the case), why wouldn't they let you continue paying interest? The bill barely goes down, and you are just paying a monthly fee to keep the account in thier office! But as another person stated on another rebuttal, if/when they accept a payment arrangment, they are pretty much letting you refinance a BAD DEBT off of your word. And when they do accept your payment arrangment, depending on the amount of the debt, the arrangment isn't approved for the whole dept! If someone wants to make $50/month payments on a $4,000 dept..it would take them over 6 years to pay it off (and thats WITHOUT insterest being acrewed)....a payment arrangment (PPA) is set up as a "COURTESY" to the consumer to allow them time to look into any resources they MAY have to try and pay the bill off! If your payments are consistant with no default, Cambece Law (I cant speak for other companies) normally will try thier best to work with you by offering extentions on your payment arrangment, and/or a settlement option to try and save you interest/penalty costs that have already been added! But what do you expect if the checks (especially the 1st check) comes back as a bounce? Its not just the consumer that gets a fee for that check, the company does also! What would you do if someone owed you the money, and they said they would make payments, but the funds weren't there? Would you trust them again?? In most cases, they would have called the balance due at that point, but they allowed you to make up the payment, and continue on with the PPA! And then it happend again! Now as far as what someone else said about u shouldn't have made ANY payments, and should go to "Bud Hibbs", and request C&D (cease and desist) or VOD (Validation Of the Dept)....Bud hibbs is also well known on this site, and isn't all he is hyped up to be!! LOOK HIM UP!! If you KNOW you owe the debt, why would you request proof?? Stall tactic?? I can understand someone wanting to make sure that the company they are speaking with REALLY has thier account....fraud is unfortunatly a rapidly growing crime in this world! But if you request a VOD or send in a cease and desist request, the bill isn't going to disappear! Its not going to get any smaller! If they called your husbands place of employment, and cursed his boss, THAT IS ILLEGAL!! I would be VERY upset if that happend to me, and believe it or not, i get upset when i hear that it happens to other people that i don't even know! Its wrong, and shouldn't be tolerated! Also, if you are represented by an attorney, i don't see why he would have given them permission to call you or your husband directly....what are you paying him for? To be your receptionist?? And please understand that collections isn't an easy job...especially these days, and this economy! Even though I AGREE that ALOT of collectors take thier job TOO seriously, personally, and break laws.....there are just as many collectors (or ex-collectors such as myself) that are just trying to do thier job like all of you! And im sure you can understand that they deal with alot of rude, mean, careless, EXTREMELY VULGAR people on a daily basis! But most try to be understanding, and dont take things personal on the job! In my experience of doing collections, MOST of the people that complain about collection agencies just DONT WANT TO PAY THIER BILL!! And in alot of cases, NONE OF THIER BILLS ARE GETTING PAID per thier credit report! As far as them being able to take your home, every state has different laws when it comes to stuff like that! I want to say NO, but im not 100% sure what they do after the account leaves an office! I would ask your attorny! I hope this rebuttal will help you and/or anybody else in your situation that reads this! I also want to wish you the best of luck and I hope everything works out for you!!

Before you/anyone reads my rebuttal, i want to make it clear that i am an ex-collector for Cambece Law, and have years of experience doing collections! And even though my rebuttal is in favor of Cambece, I do agree with ALOT of consumers opinions, and i think alot of collectors worldwide are rude, careless, and unfair as i have witnessed them myself! Personally, im not going to sit here and say that I was the best debt collector, and I did everything right, and made everybody happy! But I can honestly say that I AM a very caring person, and ALWAYS LISTENED to the consumer to hear what they had to say! I always tried to be as fair as I could, but obviously, i had strict guidelines to obey, and had to work in the best interest of the attorny's client! I HAD to do my job, even though sometimes I felt bad for some people, and wished i could do more for them! I did what I could!

REBUTTAL: After reading your report, and all of the rebuttals, i cant help but laugh at some of the advice people are trying to give you!! I CAN actually agree with "some" quotes from "each" rebuttal! 1st off, any contract for a credit card states that if the account "ever" goes into default, the balance is LEGALLY due at that time! If the account remains unpaid, that's when the account is charged off, and sent to collections! I believe if the account is unpaid for 6 months, the original creditor LEGALLY HAS TO charge the debt off! They try to speak with debtor's spouses for the reason that they can/may be effected by thier husbands/wife's credit, like when going to finance a home, or car! If one of you doesn't have good credit or any credit, you may use your spouses! Now as far as Cambece (3rd party collections) LEGALLY, they dont HAVE to approve you for ANY hardship arrangment/or settlement! Will they?? Of course, it would make more sense to offer a reduction on the bill, or set up a payment arrangment to avoid court costs, or further costly collection efforts! Most places will not deny your payments even though most say they will.....especially when there is interest involved (which ISN'T always the case), why wouldn't they let you continue paying interest? The bill barely goes down, and you are just paying a monthly fee to keep the account in thier office! But as another person stated on another rebuttal, if/when they accept a payment arrangment, they are pretty much letting you refinance a BAD DEBT off of your word. And when they do accept your payment arrangment, depending on the amount of the debt, the arrangment isn't approved for the whole dept! If someone wants to make $50/month payments on a $4,000 dept..it would take them over 6 years to pay it off (and thats WITHOUT insterest being acrewed)....a payment arrangment (PPA) is set up as a "COURTESY" to the consumer to allow them time to look into any resources they MAY have to try and pay the bill off! If your payments are consistant with no default, Cambece Law (I cant speak for other companies) normally will try thier best to work with you by offering extentions on your payment arrangment, and/or a settlement option to try and save you interest/penalty costs that have already been added! But what do you expect if the checks (especially the 1st check) comes back as a bounce? Its not just the consumer that gets a fee for that check, the company does also! What would you do if someone owed you the money, and they said they would make payments, but the funds weren't there? Would you trust them again?? In most cases, they would have called the balance due at that point, but they allowed you to make up the payment, and continue on with the PPA! And then it happend again! Now as far as what someone else said about u shouldn't have made ANY payments, and should go to "Bud Hibbs", and request C&D (cease and desist) or VOD (Validation Of the Dept)....Bud hibbs is also well known on this site, and isn't all he is hyped up to be!! LOOK HIM UP!! If you KNOW you owe the debt, why would you request proof?? Stall tactic?? I can understand someone wanting to make sure that the company they are speaking with REALLY has thier account....fraud is unfortunatly a rapidly growing crime in this world! But if you request a VOD or send in a cease and desist request, the bill isn't going to disappear! Its not going to get any smaller! If they called your husbands place of employment, and cursed his boss, THAT IS ILLEGAL!! I would be VERY upset if that happend to me, and believe it or not, i get upset when i hear that it happens to other people that i don't even know! Its wrong, and shouldn't be tolerated! Also, if you are represented by an attorney, i don't see why he would have given them permission to call you or your husband directly....what are you paying him for? To be your receptionist?? And please understand that collections isn't an easy job...especially these days, and this economy! Even though I AGREE that ALOT of collectors take thier job TOO seriously, personally, and break laws.....there are just as many collectors (or ex-collectors such as myself) that are just trying to do thier job like all of you! And im sure you can understand that they deal with alot of rude, mean, careless, EXTREMELY VULGAR people on a daily basis! But most try to be understanding, and dont take things personal on the job! In my experience of doing collections, MOST of the people that complain about collection agencies just DONT WANT TO PAY THIER BILL!! And in alot of cases, NONE OF THIER BILLS ARE GETTING PAID per thier credit report! As far as them being able to take your home, every state has different laws when it comes to stuff like that! I want to say NO, but im not 100% sure what they do after the account leaves an office! I would ask your attorny! I hope this rebuttal will help you and/or anybody else in your situation that reads this! I also want to wish you the best of luck and I hope everything works out for you!!

Before you/anyone reads my rebuttal, i want to make it clear that i am an ex-collector for Cambece Law, and have years of experience doing collections! And even though my rebuttal is in favor of Cambece, I do agree with ALOT of consumers opinions, and i think alot of collectors worldwide are rude, careless, and unfair as i have witnessed them myself! Personally, im not going to sit here and say that I was the best debt collector, and I did everything right, and made everybody happy! But I can honestly say that I AM a very caring person, and ALWAYS LISTENED to the consumer to hear what they had to say! I always tried to be as fair as I could, but obviously, i had strict guidelines to obey, and had to work in the best interest of the attorny's client! I HAD to do my job, even though sometimes I felt bad for some people, and wished i could do more for them! I did what I could!

REBUTTAL: After reading your report, and all of the rebuttals, i cant help but laugh at some of the advice people are trying to give you!! I CAN actually agree with "some" quotes from "each" rebuttal! 1st off, any contract for a credit card states that if the account "ever" goes into default, the balance is LEGALLY due at that time! If the account remains unpaid, that's when the account is charged off, and sent to collections! I believe if the account is unpaid for 6 months, the original creditor LEGALLY HAS TO charge the debt off! They try to speak with debtor's spouses for the reason that they can/may be effected by thier husbands/wife's credit, like when going to finance a home, or car! If one of you doesn't have good credit or any credit, you may use your spouses! Now as far as Cambece (3rd party collections) LEGALLY, they dont HAVE to approve you for ANY hardship arrangment/or settlement! Will they?? Of course, it would make more sense to offer a reduction on the bill, or set up a payment arrangment to avoid court costs, or further costly collection efforts! Most places will not deny your payments even though most say they will.....especially when there is interest involved (which ISN'T always the case), why wouldn't they let you continue paying interest? The bill barely goes down, and you are just paying a monthly fee to keep the account in thier office! But as another person stated on another rebuttal, if/when they accept a payment arrangment, they are pretty much letting you refinance a BAD DEBT off of your word. And when they do accept your payment arrangment, depending on the amount of the debt, the arrangment isn't approved for the whole dept! If someone wants to make $50/month payments on a $4,000 dept..it would take them over 6 years to pay it off (and thats WITHOUT insterest being acrewed)....a payment arrangment (PPA) is set up as a "COURTESY" to the consumer to allow them time to look into any resources they MAY have to try and pay the bill off! If your payments are consistant with no default, Cambece Law (I cant speak for other companies) normally will try thier best to work with you by offering extentions on your payment arrangment, and/or a settlement option to try and save you interest/penalty costs that have already been added! But what do you expect if the checks (especially the 1st check) comes back as a bounce? Its not just the consumer that gets a fee for that check, the company does also! What would you do if someone owed you the money, and they said they would make payments, but the funds weren't there? Would you trust them again?? In most cases, they would have called the balance due at that point, but they allowed you to make up the payment, and continue on with the PPA! And then it happend again! Now as far as what someone else said about u shouldn't have made ANY payments, and should go to "Bud Hibbs", and request C&D (cease and desist) or VOD (Validation Of the Dept)....Bud hibbs is also well known on this site, and isn't all he is hyped up to be!! LOOK HIM UP!! If you KNOW you owe the debt, why would you request proof?? Stall tactic?? I can understand someone wanting to make sure that the company they are speaking with REALLY has thier account....fraud is unfortunatly a rapidly growing crime in this world! But if you request a VOD or send in a cease and desist request, the bill isn't going to disappear! Its not going to get any smaller! If they called your husbands place of employment, and cursed his boss, THAT IS ILLEGAL!! I would be VERY upset if that happend to me, and believe it or not, i get upset when i hear that it happens to other people that i don't even know! Its wrong, and shouldn't be tolerated! Also, if you are represented by an attorney, i don't see why he would have given them permission to call you or your husband directly....what are you paying him for? To be your receptionist?? And please understand that collections isn't an easy job...especially these days, and this economy! Even though I AGREE that ALOT of collectors take thier job TOO seriously, personally, and break laws.....there are just as many collectors (or ex-collectors such as myself) that are just trying to do thier job like all of you! And im sure you can understand that they deal with alot of rude, mean, careless, EXTREMELY VULGAR people on a daily basis! But most try to be understanding, and dont take things personal on the job! In my experience of doing collections, MOST of the people that complain about collection agencies just DONT WANT TO PAY THIER BILL!! And in alot of cases, NONE OF THIER BILLS ARE GETTING PAID per thier credit report! As far as them being able to take your home, every state has different laws when it comes to stuff like that! I want to say NO, but im not 100% sure what they do after the account leaves an office! I would ask your attorny! I hope this rebuttal will help you and/or anybody else in your situation that reads this! I also want to wish you the best of luck and I hope everything works out for you!!

I am a collector and I know the laws. Record any conversations you have with these people. Harassment and swearing are ILLEGAL. if you record it you can sue them and i have no doubt that you will win. The other thing is, a collection agency does not sue you, the original creditor is the one that can sue. They probably wont though since your balance is not too high. Sue them and use the money to pay to pay your debts. Thats what I would do. It is also illegal for them to threaten to sue you unless they are doing so.

This character "Pay Your Bill" is a perfect representation of what is wrong with the collections industry. It is filled with illiterate morons, and then these same morons try to "educate" us!

The "Pay Your Bill" advice should be changed to "GO BACK TO SCHOOL and LEARN how to SPELL"!!

Learn proper grammar.
Learn how to capitalize.
Learn how to punctuate.
Learn how to form a coherant sentence.
Learn how to spell.

>>>
Pay Your Bill
Methuen, Massachusetts
U.S.A.

TRUTH
MKAY I READ YOUR COMPLAINT ANDI DO NOT UNDERSTAND WHY .. WITH THE REBUTTLES I MAKE IS IN MY OWN OPINION AND NOT HE ABOVE COMPANIES
**WHAT????**This makes NO sense!**

**y**ou were allowed to make payments on an acocunt of that size and the first time a payment is NSF or non **sufficant**[sufficient?] funds the ppa is now over the balance is due. **n**ow you were **aloowed** to continue the ppa after that by making up the nsf and yet again it had a problem. now no matter what **i** know that the reason was not your fault **u** became late with payments to charge off the account. **b**ut you were in charge of making the payments. and that did not work the second time. **w**hat is your complaint. **y**ou failed paying the bill when it wasnt charged off. **a**nd when **givin**[given?] a second chance it did not work. **w**hats the complaint**. PAY YOUR BILL. **g**et the **scar off your credit report**[paying a bottomfeeder will actually hurt your credit report, it will not remove the negative]. **i**ts not personal its what it is. when **u** are contacted by the collections no matter what company its not CUSTOMER SERVICE. dont be so **sencitive**[sensitive??]. do what you have to do to get rid of the scar and you wont **hav** to worry or sign on web sites telling your story that shouldnt be here. you were not harrassed or threatened. you were givin a second chance and what happen.[WHAT??]


PAY YOUR BILL
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I have a better idea. Don't pay your bill. Sue every collector that contacts you, as it is guaranteed they will violate the law at some point.

Pass legislation that requires BONDING and LICENSING of individuals doing collections. This would make them accountable financially, and would weed out the illiterates, as they couldn't pass the test!

Also require drug testing and a clean background check. After all, do you want some druggie and/or felon having access to your credit files?

Require the collector to have a license# that MUST be provided upon request, to verify the collector's identity.

These are the things we REALLY need.

Sherry,

This is exactly why you NEVER speak to any third party debt collector / junk debt buyer on the phone!! AND, most of all, NEVER make a payment or payment arrangement!! This will validate the debt to them! This is what they hope for!

Now, that you have made a payment, you cannot dispute the debt, as you have legally validated it. They can now sue you and win, where before they most likely would not have been able to.

You did not need a lawyer to send a letter to a bottomfeeder. You simply needed to send a CEASE COMMUNICATION request under the provisions of the FDCPA.

This letter needs to be sent by certified mail, return reciept requested. And always put the certified# on the letter itself to prove exactly what you sent. This procedure is very important!

However, you have now made things worse for yourself. You allowed them to scare you with nonsense, into making a mistake in their favor. The burden of proof is ALWAYS on them to prove you owe THEM the money, and NEVER on you to prove that you don't.

The fact is that MOST bottomfeeders will NEVER sue, as it is costly and time consuming.

This cambece bunch is the lowest of the lowlife in the collections industry. See what Bud Hibbs from budhibbs.com has to say:

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Agency Details

Cambece, James Anthony aka/Tough Tony****
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
Web Address:
MA AG Tags Cambece - "Debt collectors to pay $75,000 settlement"

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Bud Says...

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:
(((link redacted)))


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Debt collectors to pay $75,000 settlement
Peabody law firm also to implement new procedures
By Michael Rezendes, Globe Staff | November 1, 2006

After a two-year investigation based on more than 100 complaints, a Peabody debt-collection law firm will pay $75,000 and implement procedures to protect indebted consumers under an agreement unveiled yesterday by the state attorney general's office.

Thomas F. Reilly, the attorney general, alleged that representatives of the J.A. Cambece Law Office PC violated state and federal debt-collection laws by using profane language, placing calls to consumers at improper hours, making unauthorized communications with consumers at their places of employment, and failing to provide proof of the validity of debts.

The settlement "imposes restrictions on this firm to protect consumers from abusive practices," Reilly said in a prepared statement. "It also sends a message to the collection industry that abusive tactics will not be tolerated."

In August, the Globe reported that Cambece was being investigated by the attorney general's office. At the time, Nancy Sterling, a spokeswoman for the firm, said the investigation was "based on a small number of complaints."

A Globe Spotlight series in July and August revealed widespread abuses in the debt-collection industry, but the series did not focus on Cambece.

Under the agreement, filed yesterday in Suffolk Superior Court, Cambece assented to a variety of procedures designed to protect debtors. These include recording all telephone conversations with consumers, providing proof of debt -- including at least two monthly statements from the original creditor -- and appointing a supervisor to oversee compliance with state and federal laws.

The settlement also requires Cambece to pay $20,000 in restitution to consumers, $45,000 to a consumer aid fund managed by the attorney general's office, and $10,000 to cover the cost of the state's investigation.

In his statement, Reilly said Cambece cooperated with the investigation. But the firm denies it violated any laws.

"There's no finding by any court that Cambece broke any state or federal law," said Sterling, the spokeswoman for the firm.

The filing "simply confirms a voluntary agreement between the Cambece law firm and the attorney general's office. No enforcement action was filed against the law firm, and no fines or penalties were paid."

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.

MKAY I READ YOUR COMPLAINT ANDI DO NOT UNDERSTAND WHY .. WITH THE REBUTTLES I MAKE IS IN MY OWN OPINION AND NOT HE ABOVE COMPANIES


you were allowed to make payments on an acocunt of that size and the first time a payment is NSF or non sufficant funds the ppa is now over the balance is due. now you were aloowed to continue the ppa after that by making up the nsf and yet again it had a problem. now no matter what i know that the reason was not your fault u became late with payments to charge off the account. but you were in charge of making the payments. and that did not work the second time. what is your complaint. you failed paying the bill when it wasnt charged off. and when givin a second chance it did not work. whats the complaint. PAY YOUR BILL. get the scar off your credit report. its not personal its what it is. when u are contacted by the collections no matter what company its not CUSTOMER SERVICE. dont be so sencitive. do what you have to do to get rid of the scar and you wont hav to worry or sign on web sites telling your story that shouldnt be here. you were not harrassed or threatened. you were givin a second chance and what happen.


PAY YOUR BILL