Cambece Law Firm - JA Cambece Law Firm Took payments and transferred acct- they have no record of payments Peabody Massachusetts

I set up payment arrangements with this office. I explained I was out of work which was why I got into this predicament in the first place. The original balance on the card was $500. After interest, late fees, etc.. it was 857. We settled on monthly installments with interest and late fees waived. The agreement was for $50.00 per month.

I made 3 payments. Someone called from the office with an immediate settlement offer. The offer was for more than the original amount of the debt.

When I questioned it, I was transferred to a supervisor. The supevisor explained that I was being charged interest on a monthly basis. The interest rate was 15%. I explained to him that there is a law in the state of CT capping interest at either 6 or 8 percent (can't remember which, it was a few months ago). He came back with something to the effect of law firms being exempt from this interest. He was rude and abusive and when I told him that I didn't have the money for a settlement, he wanted to conference call with my bank to see if I had it.
I hung up on him and left a voice mail for Mr. D'Errico. The woman I was working with beofer this man (Jennifer) called me back and said Mr. D'Errico asked her to call me. She offered a settlement again and I asked her to put it in writing and send it to me. She told me that she had to run it by the firm manager and would get it in the mail.

Two months later- no letter. Tried calling the number she called me from, it has been disconnected.

I just got a phone call from another agency Astra. The account has been sent to them. The amount due is 857. They have no record of any payments made to Cambece. I am waiting for them to email me a settlement agreement as I write this.

After I hung up with them, I called Cambece's main 800 number. There is no record of a Jennifer being there. There is no record of me in the system. The receptionist asked what my monthly payments were and I told her $50 she told me that any accounts with payments under $200 a month are not guaranteed to be settled and can be sent out at any time. I was given 800-478-5541 to call Collect America to see what happened to my account. After being on hold for 15 minutes I hung up.
What a mess. Not sure where my $150 went.

Jackie
Wallingford, Connecticut
U.S.A.