Hello! I am so suprised, but relieved to find so many other people who have received a call from the JA Cambece Law Office.
I received a call from them not long ago. I had an account that hasn't been paid in several years. The previous company, (a bank), sold this account to Cambece Law Offices. It first went to CACV of Colorado. They then sold it to (under their 'franchise') J.A. Cambece Law Offices, PC. I had managed to escape from their phone calls for the past three years.
Now, in the past, I received letters from them, and at first I was concerned, but knew I could not pay the bill. I realized they were a debt collector, and after sparse letters over this three year period, some very nice with payment plans, one a long time ago threatening to send to my state for a court order. I had ignored these letters.
But, I GOT A PHONE CALL. Funny thing is, my phone number is unlisted. I answered my phone, not recognizing the number on my caller ID. I thought it was a job prospect. They asked for my name, and I said 'that's me'. Then the person proceded to tell me about my delinquent bill of over $4000.00! (the bill was actually $ but Cambece tacked on interest and late charges). I hung up on him. He kept calling back, left a nice message saying we were disconnected, it was his fault. (DUH).
I told my fiance about it, and he freaked out. The person had mentioned something about them suing me. So, with pressure and fear, I called the number back to see how they would answer the phone. I dont' even remember how they answered the phone, because a few seconds later the phone rang and it was them calling me back.
I was really scared then. Not only did they find my phone number (don't have any idea how), but they also knew it was my PRIVATE number calling them back.
The person I talked to was not very aggressive, I told him I was losing my job in two weeks, (which is the honest truth... Totally honest, even told him to call my work and ask them). He said that was not necessary, and in my situation he would ask his supervisor if there was something he could do to help me out. Apparently, this guy was clueless on how to be so ruthless, and decided to have a 'pro' do the dirty work for him.
A man, didn't get his name, got on the phone. He spoke rapidly and of poor English. Half of the time I did not understand what he was saying. All along, my fiance coaching me in the background on what to say. He basically said that this would ruin my credit for a very long time (duh), and that I needed to pay them immediately. I told him I wouldn't have a job and couldn't pay him. He said he could cut the bill in half if I paid today or in a few days. I told him there was still absolutely no way I could pay it.
He proceded to tell me the original client would pursue legal action against me, and SUE me. He made sure he said SUE to me many times. I asked if I could make partial payments. He said NO! He said he didn't want to hurt my integrity, but this had to be resolved now before they pursue SUING me. It wasn't in stone, but they would most likely do it if I didn't give them an answer after a few days.
He then told me to ask my family for money. I told him no way in hell would I ask them for money, I was an adult, and I don't borrow money from my family.
He stated "Are you telling me that if you went to jail, and your bail was X amount of dollars, your parents wouldn't bail you out? Again, I told him HELL NO!
I said if I went to jail, it would be my own damn fault, and my own damn money getting me out, or I'd stay in!!!
Why I reasoned with him, is beyond me. I then told him I would contact my attorney. That stirred him up. I didn't mention filing bankruptcy. I just said 'attorney'.
He told me that that would be stupid, my attorney wouldn't handle it or know what to do, the amount was so little they would dismiss it in court and that they would tack on even more fees to my already inflated balance (court cost, attorney fees, etc..) The phone call had no resolve.
I have no money to give these people, and I am not about to ask anyone for it. He did read over my credit report. Tried to make me feel bad about that and asked me why my other accounts were in good standing. He did somehow have my unpublished phone number. He did threaten to sue me and in turn I would have my wages garnished.
I was scared... Oh, very scared. Couldn't think of anything else. Thankfully there is the internet, and so many people out there who know what I am going through.
You must check out this website to get more information on JA Cambece Law Offices: (link deleted, see below)
Read the entire site, no matter how long it takes, just do it.
I don't know what will happen, if they can actually 'sue' or not.
I am going to ask them for a copy of all of my loan information and statements, also send them a 'cease contact' form, so they will leave me alone.
It is in your best interest to search JA Cambece Law Offices, CACV of Colorado LLC, Collect America, etc...
Bud Hibb's website will include all of this information.
Make yourself informed. Don't let these people harass you, and don't let it ruin your life.
For some reason, they're on a roll, which is funny, I saw exerpts from a lawsuit filed against them from several people for not following the Fair Debt Collection Practices Act (FDCPA).—thought their website says they do.
Everyone, stick together, and share your calls or stories or information! Please! We need to find out more!
I dont want to be bullied and scared, and feel like i have to file chapter 7 to get these people off of my back! There has to be another way, there just has to!
They bought your "WROTE OFF" account for pennies on the dollar, only to turn around and RAPE you! I am sorry that seems so horrid to say, but if you deal with these people, you know exactly what I mean. They cruelly instill fear into your life.
Who wants to think when they have an income, that this law office will garnish your wages for years and years... When you have a family, or just yourself to take care of? Stick together! Let's expose them for what they are!
As Bud Hibb's says on his site, they are BOTTEM-FEEDERS... Scaring the crap out of you so you pay this bill and make them rich. Check into their earnings... They are truly doing quite well for themselves too!
Thank you... Let's stick together!
Sarah
Cincinnati, Ohio
U.S.A.
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