Are you being called by J.A. Cambece Law Office, P.C.?* Here's what you need to know.
When a debt collector makes contact with you, they will push for immediate payment and often be unpleasant when you refuse. They’d rather you didn’t know that there are rules collection agencies must follow when they contact you to pay a debt.
Your Rights Under the FDCPA
Prior to 1977, aggressive debt collectors were causing bankruptcy levels to shoot up. Congress passed the Fair Debt Collection Practices Act, or FDCPA, which prohibits deception and abuse during the debt collection process. Tactics like those below can actually get an agency shut down.
- Calling you at inconvenient times and places, such as before 8:00 a.m. and after 9:00 p.m. in your time zone
- Failing to identify themselves as debt collectors trying to collect a debt
- Demanding amounts not supported by law or the original creditor agreement
- Using profane or obscene language
- Talking to your friends and family about your debt
- Contacting you directly even after you’ve hired an attorney to represent you in the matter
Company Profile: J.A. Cambece Law Office, P.C.
If you are being called by J.A. Cambece Law Office, P.C., information about the company is below.
J.A. Cambece Law Office, P.C. is a debt collection law office located in Beverly, Massachusetts. It was established in 1996, has 180 employees, and is managed by owner J. Anthony Cambece. Court records on file at the PACER (Public Access to Court Electronic Records) website confirm that people who felt they were being harassed by J.A. Cambece Law Office, P.C. have taken the firm to court.
Alleged Violations against J.A. Cambece Law Office, P.C.
Jennifer Bickett vs. J.A. Cambece Law Office, P.C. et al*
According to PACER, sometime before February 2012 Minnesota resident Jennifer Bickett allegedly incurred a financial obligation with GE Money Bank – Care Credit Chiropractic, which was subsequently passed on to J.A. Cambece Law Office, P.C. for collection. She retained an attorney whose contact details were provided to the firm, but in early February it sent her a direct letter in an attempt to collect the debt.
Feeling harassed by J.A. Cambece Law Office, P.C., Ms. Bickett sued the firm for allegedly violating the FDCPA by contacting her directly when it knew that she had retained counsel regarding the alleged debt.
The matter was later dismissed.
Hire an Attorney
The phone numbers for J.A. Cambece Law Office, P.C., are:
If you see any of these numbers flashing on your caller ID when the phone rings, be aware that you are being called by J.A. Cambece Law Office, P.C.. If they insist on contacting you directly even after being informed that you have legal representation regarding the alleged debt, hire a consumer attorney. If you file a claim against J.A. Cambece Law Office, P.C. with your attorney’s assistance, you could potentially win $1,000 per violation as well as attorney's fees, court costs, and any actual damages. Do not hesitate to exercise the rights and protections that the law gives you.
*Case taken from PACER (www.pacer.gov). File number is CASE 0:12-cv-01321-DSD-FLN from the United States District Court for the District of Minnesota.
Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against J.A. Cambece Law Office, P.C., or any other third-party collection agency, you may not be entitled to any compensation.