Before Cambece Law firm I had never encountered a collection agency. I had lived alone for two years and had never lived with my brother so it was quite a shock when he told me that a collection agency had called HIM and said that I owed a massive amount (2,000 dollars) of money and that if I didn't pay up they would take me to court. I hadn't a clue what it was for. For awhile, I figured it was a scam and let it go, but then a woman from the Cambece law firm called my brother up and left a message that said,
"You fools. You think you can get a way with not paying well Melissa you're in for it now. We'll see you in court."
I was scared, shocked and angry. So, first I called them and asked politely; "what are these charges for and from." I had NEVER done business with them so I knew it had to be something else. A man told me, "Melissa don't call here unless you're going to pay. We're not playing your game. You had plenty of time to dispute the charges."
I asked him if I could see something I signed to figure out what this confusion was about. I didn't want to go to court. He then told me that I had 30 days my time was up and to either pay up or shut up! Then he hung up on me.
That's when I started investigating the company. Thank God for BUD HIBBS!!! He saved me. He is an angel, there isn't a doubt in my mind. I researched the 'law firm' and saw that they had done this to plenty of other people. I took Hibbs advice and sent them a cease communications letter and after a little while they finally left me alone.
They now have other collection agencies calling me who have bought the debt but as soon as I tell them that I'm sending a cease communication letter, they leave me alone.
My credit report is in peril, because of this nonsense that I'm still not sure what its for because each collection agency is writing negatives, but come January I'm taking my credit report disputing every one of them and having them PERMENENTLY removed!!!
I can't thank Bud Hibbs enough. I was anxious, and fearful and didn't know anything about the law and without taking money or charging a fee he helped me more than I could ever say. He emailed me back and offers all this information free of charge!
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