I was contacted by a gentleman named "Charles Brown" from Cambece Law office in the middle of March of this year. I was told that an account of mine had been sent to there office for collections and was given the balance of 5,000+ dollars. I was told that if I did not satisfy the balance due as of that day I would be taken to court.
At first I didn't know what to do. I had some credit debt but was working on monthly payments, had fallen behind on two of them and I was assuming that it was just another collection agency trying to scam money out of me.
I told "Mr. Brown" my situation and his rebuttle was that he did not care about my situation and told me I had no rights and I am not allowed to "dicatate terms" to this "client".
I asked for proof of who this company is and they did agree to fax me a letter stating who they were and what i owed and the original debtor... sounds on the "up and up" right??
That's not the half of it. After I verified the company, I grew scared thinking that they could possibly take me to court if I didn't pay, so I offered to make payments on the account. He then told me again that I was not allowed to "dictate terms" and that he would tell me what I was going to do.
After ending that phone conversation by abruptly hanging up the phone on me I received several harrassing phone calls over the next week, consisting of "Mr. Brown" calling me at my place of business after I told him to please not call my work. Until one day, I received a phone call at my work and told him that it was against the law for him to keep calling me since I did request it verbally and told him I was not allowed to accept personal phone calls at work. He then told me to "Shut my mouth" and hung up the phone.
I called back right away and asked to speak to a supervisor whose name is "Nick Michau" to which I received even more of a difficult time from I was told I "lied about saying that Mr. Brown said to "shut my mouth" and was told that I needed to satisfy the balance or I was going to be sued immediately. I told Mr. Michau that I had intentions on paying the account but could not pay it in full. I had some money in savings and worked it out with some family members so they would quote "hold the account from any further action". I have done nothing wrong but am completely confused as to why and how they can practice their business this way.
Today I received a phone call at work! and was told that I needed to satisfy the remainder balance and if I was not able to they were going to take me to court.
I told them I could not and that I would make a payment when I got paid. They then said I am recommeding suit as of today and hung up. I called back and said that they had no right to do this to me if I was fully willing on paying the account and that I just didn't have the funds available. They then hung up on me again and again and again every time I called back to try to set up payment arangements. Finally I worked something out with my fiance to settle this ordeal and was able to offer a thousand dollars to settle the account wich balance now stands at $2,200. They said I could not and hung up again, refusing my money! I finally got ahold of the supervisor Nick Michau again and was told that I am "ridiculous" and that I am "wasting their time" and that he can't help me if I don't satisfy the balance today, which of course I could not and then he put me on hold several times and came back with responses that well the "client will except this amount" and "I just spoke to the client" (as I was on hold) and they are willing to accept the 1,000 dollars today and I would have to post date a check for the 27th of this month in the amount of $400.00
I know what they are doing is wrong, but I have full intent on paying this account but they are harrassing me and making me use every dime i have to my name in order to satisfy further "legal action" I hope that someone reports this company and helps shut them down. They are evil and are using all means within and outside of the law to do so.