Report: #164629

Complaint Review: J.A. Cambece Law Office

  • Submitted: Tue, November 15, 2005
  • Updated: Wed, November 16, 2005
  • Reported By: Royal Palm beach Florida
  • J.A. Cambece Law Office
    Eight Bourbon Street
    Peabody, Massachusetts

Show customers why they should trust your business over your competitors...

This "law office" and I use the term lightly, is trying their best to collect on a debt that has been paid for over 8 years.

After my wife received their first phone call from Mike Maes in Oct 08, 2005, she explained to them then, there had been a mistake and this account is paid. The caller after explaining that is was such an old debt and was only $582 became rude, and laughed and said it may be paid but can we prove it was paid in full. Sure we can, we keep records. But wait this is over 8 years old - even the IRS says you don't have to keep records past 3 years.

She asked why and how are they trying to collect on something so old, Mike's response was that it was on my current credit report which he had right in front of him. She thought cool, because we have all 3 credit bureau reports we ran for ourselves in June 2005. She asked him which agency, he replied Equifax. She asked him what page it was on he could not recite the page but gave me a description. But that entry was not on my June 2005 copy, anywhere. She told him She wanted to see his copy and to please fax it to me. He stated he could not - she would have to take his word for it. She asked to speak to a "supervisor"

(My wife is now telling the story) Supervisor Corey Jordan got on the phone and told me it was a Fleet Management account - I asked how he knew that he informed me that this is his job and he is very good at it. He is familiar with the account numbers and knows it is a Fleet Mgmt Acct. I said good then I know for sure this is not my account. I never had a Fleet Mgmt account. I had already confirmed with Mike that it was a Visa Account. Duh... He later came on the phone and said regardless of who the creditor is, I still owe the money. Wow, just because you say I owe means I am going to pay. Okay, Not. So I told him he had a responsibility as a debt collector to provide me the proof of the debt and I was requesting it now. According to him he does not have to provide proof and hung up on me.

I waited about 10 minutes and called back, after finding the phone number on because their letterhead did not provide any contact information, which is against the law I believe. After listening to the automated hold message, that says they are a company that prides themnselved to treating their clients with professionalism and respect, I couldn't just hang up now. I spoke with a very nice young lady (I forget her name) I asked to speak to Corey Jordan, she transfered me. Another female answered and asked me to identify myself, which I did, she literally put the phone down and I could hear everything. A male voice stated he was not taking the call.

So I'm waiting another 30 seconds and called back - spoke to the same young lady and told her it was ironic because the hold message states they are professionals and treat everyone with respect - I told her what happened she gave me to Nick Meshaw who was supposed to be another supervisor.

Nick told me it was not Equifax but Transunion that had the debt reported on it. I again asked him to fax me a copy of the report. I told him I had the June 2005 transunion report and there was no acct past due 8 years on it. Nothing for $582, not Fleet Mgmt, nothing. He put me on hold came back and said it was not Fleet Mgmt but Visa (which I already knew by the acct number). I told him this account was paid, he asked me to fax him the documents. Which I did.

I still got another letter stating I had 30 days to respond. I refaxed the credit reports (all 3) dating back to 1998, 2002, 2004, 2005 that show the debt as being paid July 1997 and then dropping off the report all together, because the 7 years reporting time expired.

The only response we got was another letter from them stating we were non responsive and of course another phone call from Frank stating we are choosing to ignore their request to get this bill paid. My husband got on the phone as asked him very plainly an simply to prove we own the bill - he told him they did not have to. It was our responsibility to prove the account was paid.

Mark and Brenda
Royal Palm beach, Florida

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This report was posted on Ripoff Report on 11/15/2005 07:57 AM and is a permanent record located here: 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 Consumer Suggestion

Very good point...

AUTHOR: be2gbtt - (United States of America)

Document everything.  Start with the reason that necessitates this law firm contacting you, and record every interaction. Make sure that all parties understand that they are being recorded, and have all your facts in order.  Don't think for a moment that a layer as tenacious as the one you are describing won't.  He will introduce quite a bit of evidence including ample documentation to prove his case, that is after all his job.  You will have to prove to a court that his evidence is incorrect with evidence of your own and with reason, not emotion.  He will have the advantage of knowing what is admissible, and how best to use it to his advantage because again, that's his job so you will want to make sure you have a real case and are not being driven by emotion.  

I made this mistake once trying to argue my way out of an $800 credit card I defaulted on.  When my arguments didn't work I just assumed they would simply garnish my wages for what was relativity a small sum since am employed, and with the same company for over twenty five years, standard information one must give to obtain a credit card.  Instead, they sent the police to my house who arrested me and locked me up for about two hours before getting to see a Judge... who ruled that my wages be garnished for the $800.  I have never had anything like that happen to me so you can imagine how I felt, but the fact is that I defaulted on the card, and everything done was within the law.  He doesn't sound like a nice man, but I have to admit, if I ever needed serious legal representation, this guy is exactly the kind of lawyer I would want fighting for me.   
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#2 Consumer Comment

File a complaint in the state they are in with the licensing agency handling attorneys

AUTHOR: tom - (USA)

You need to document and tape the conversations with these dirt bags.  There is a new agency
of the federal government known as the consumer protection financial bureau.  File a complaint with them.

You need to ignore their tactics and hit them with the state attorney general.

You can probably hire a consumer attorney with NACA.  They want to be debt collectors then
hit them in court.  I would file a complaint in Florida and they state they are licensed.  Give them two the trouble.

good luck to you.

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#3 Consumer Comment


AUTHOR: be2gbtt - (United States of America)

Why would you expect Mr. Cambece to post a message on a blog to you?  First His firm already posted an invitation for you to contact him.  It would be inappropriate for any CEO/owner/president to be wasting their time going back and fourth on a blog, What would that serve except to entertain those who enjoy such voyeuristic entertainment.  His office extended an invitation.  Should he have also included all the personal details regarding the case?  That would really make for some salacious reading. People may take pleasure in ganging upon him, out doing each other trying to come up with the nastiest insults or... the parties involved could handle their situation and everyone else could Watch Maury Povich.
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#4 Author of original report

how about a rebuttal from Mr. Cambece

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

How about a rebuttal from James Anthony Cambece, after all it is his license your are representing. I have contacted the Attorney General and Board of Counsels in MA. I am sure you will be hearing from them.
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#5 UPDATE Employee

Cambece Law Office Response

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

Thank you for bringing this matter to our attention. We have reviewed this complaint and have become aware of the facts involved. We would like the opportunity to work with you to resolve this issue. Please contact us at so that we may resolve this matter in a way that is satisfactory to both parties.
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