An attorney from Cambece Law Firm contacted my mother, gave a false name and false business name, and told her it was important that she relay their phone number to me as they were investigating criminal bank fraud charges being filed against me. My mother brought me the note in a panic.
When I called the number the first time, I used caller id block to prevent them from getting my phone number and when they answered I chickened out and hung up. They called right back and left a voice message on my machine questioning why I had called and hung up when they were anxious to speak to me and had been expecting my call. I waited a few minutes and then called back. They explained they were trying to contact me regarding a debt that is over 2 years old to Discover credit card in the amount of $4,766.81.
I told them I was currently unemployed and unable to enter into a payment arrangement and that I disputed the 'late fees' and 'over the limit fees' that had been piling up for over 2 years because Discover had closed the account 22 months prior. They offered one option of payment, a post-dated electronic check transaction. When I refused, they advised me that I had better get an attorney and explain to my new husband that the 'for worse' part of the marriage vows meant he would have to pay for debts incurred prior to our marriage that were outstanding, but mine, and that it was possible for them to put a lien on his bank account since I was a 2nd party to the account and even though we keep seperate credit and bills.
They also stated they had a copy of my credit report and that I appeared to be paying on my other bills and they weren't sure why, if my new husband was paying those bills, why he couldn't also pay this one. I filed an FTC complaint and will be filing a Bar complaint in his state of business.
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