JA Cambece
Ripoff

Kim Bennett called me to collect on a charged off account. I informed her I had filed bankruptcy and gave her my case number. She proceeded to tell me that she could still talk to me even though I had an automatic stay to keep creditors from calling. My husband is a joint account holder and did not file so she said because I am the wife she can still call me.

She was kind at first being sympathetic to our situation and said she could cut me a good settlement. I said we could make payments and she said they dont take payments on a settlement (which we settled 2 other accounts that way with other "law" firms). It had to be a lump sum and to charge it on another card, I laughed and told her my accounts were closed. Thats just ridiculous! Then she told me to borrow the money from a family member and pay them back. Right, if I had that kind of money to borrow I wouldn't have filed bankruptcy.

Then she said if we didn't let her know by noon the next day (which is today) that she would inform her client to procede and that she knew wehad real estate and could take our property and other assets and they had their "ways to get their money". I told her OHio law protects your property, and there is no way a court would garnish my husbands wages as he is going to be unemployed anyway and will be self employed after that. Also, she wanted to call him at work! I told her no. No court is going to take a house away from a family with small children over an unsecured credit card. It just doesn't happen.

My assets are protected in bankruptcy anyway. I am going to have my husband send a cease communication letter and I am going to document every single thing. Since I didn't have an attorney represent me in bankrupcty, (no need this is not a community property state and most everyting is in my husbands name), she tried to use scare tactics and upset me. She did make me cry and she said it was not her intent to upset me but to inform me that they will get theirs. I told her my husband is considering bankruptcy too and she said it didn't matter because they will still get paid by credit insurance. I don't get that, if that is the case why bother going after people???

Luckily I am a very educated and informed person and I know alot of legal things. It helps to have 2 attornys in my family although they are in another state. I hope a class action law suit is started I would love to go after them! There should be more accountability in these debt collectors who prey on struggling middle class america who are barely getting by in this economy. I think this so called law firm is a joke! And a rip off!

Company: JA Cambece
Country: USA
State: Massachusetts
City: Peabody
Address: 8 Bourbon Street
Phone: 8662009392

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