J.a. Cambece threatened legal action, involuntary repayment of debt despite acknowledgement of me being unemployed & having no money whatsoever Peabody Massachusetts

sometime around 23/12/2007, a rhonda middleton of j.a. cambece law office left a msg for me to call her back at an 866 number with my relatives. i wasn't able to reach ms. middleton until mid-a.m. of the 26th., but, not before googling j.a. cambece and getting directed to this web site and reading the numerous reports about this law office. after reading the reports, i thought,"oh boy; wonder what kind of abuse/behaviour am i to expect from these chaps?"

on the 26th, when i was finally able to reach ms middleton, i explained my situation to her of being unemployed, having trouble getting work because employers here in AZ like to play waiting games and/or nonverbal racial preferences in hiring, ie: holding out for hispanics, legal and/or illegal, and not having any kind of funds to pay this debt in a timely manner. She was polite and professional throughout our conversation and when i told her that i thought it was unusual for a collector to contact me by phone prior to sending me a letter, she said that a letter had been sent out. i said that i have not received that letter at all, but, attributed to the fact that the post office gets backed up because of the x-mas holiday rush. i advised her that i would contact her when if and when my situation changes and she said that would be fine, but, she transferred me to her manager.

this manager of hers did not give me her name at all, but, i could tell that she was a young lady by her voice. i explained to her my situation, and although she did not verbally abuse me, yell, nor use profanity, the things she said did stress me out a little bit. she accused me of thinking that i'm "gonna get away with this bank's money" and, "you're not gonna get away with it!" She also claimed that my original creditor, bank of america visa, stated that since opening the acct in 04/2006, i had not made a payment whatsoever. i said,"madam, with all due respect, i do not intend to 'get away with it.' however, how can i pay you when i am unemployed and don't have any money? number 1, to be technical, b of a's not losing anything because c.a.c.h. had purchased this debt frm them, that is on you and c.a.c.h. number 2, you can't get blood frm a turnip." the only reply she could come up with is that i'm not a turnip. apparently, she checks in with this website every so often because she said," complain to ripoff report all u want, just like all the other deadbeat lowlife pigs who won't pay their debts." in addition to giving me short silent treatments, she also said to forget about using debt consolidators, she will refuse to talk/negotiate with them, threatened to force me to pay thru involuntary means, ie: wage garnishments. i said,"how can u garnish my wages when a-i'm unemployed, b-i'm not receiving any kind of income, and c-i don't have any kind of valueable assets? and why would u even consider legal action when u and i both know about my situation and what was said is on tape, since i know that u record your calls, what would be the pointe of such behaviour?" She had no comment/rebuttal.
a few days later, i finally received that letter frm them. however, said letter was dated 24/12/2007, and i thought it odd that ms middleton said that a letter had been sent out prior to leaving a msg for me on 23/12/2007.

immediately after terminating this call on the 26th, i contacted b of a visa, and verified that mgr's claim. b of a visa credit card dept said that they have no record of my payments at all between 4/2006 and 12/2006, when in fact i know that their claim is false; i made numerous payments to that acct, drafted frm my b of a cheque acct. said young, b of a tel. associate then got rude with me, refused to discuss my acct further since it was purchased by c.a.c.h., wouldn't let me speak to her superviser, and was rushing me off the phone with her! nasty behaviour if u ask me. so, i contacted the regular b of a, and ordered copies of my statements frm 3/2006 to 1/2007; receiving them 2 wks later. and, sure enough, all of the statements showed my payments to that b of a visa acct.

can someone with some expertise in these matters help me out, please? because of b of a's false claims to c.a.c.h. and my proof of those claims, can i legally dispute this debt? even though i 'm currently unemployed, can cambece legally garnish my wages, and/or force me to pay involuntary, and possibly put me in the poor house, and force me to lose my means of transport to work, and go further into debt? considering that credit cards are unsecured debt, do they even have a leg to stand on? can a debt consolidator like care 1 credit counselling or debt settlement u.s.a. negotiate with c.a.c.h.? if so, are cambece and c.a.c.h. legally obligated to negotiate? what can be done to stop their threats, harrassment, and legal action against me? is bankruptcy the answer, whether as a 1st or last resort? and lastly, do i need to contact an attorney? Thank you for your time and consideration in this matter, and i hope and pray that there would be some kind of relief/solution to this situation.

Francais-canadien
glendale, Arizona
U.S.A.