Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Law Office of J.A. Cambece
State: MA

Complaint narrative:
JA Cambece Law Firm/Collection Agency located in XXXX, XXXX employees some of the most unethical and dishonest people in the State of XXXX. Their employees hide behind fake names and the owner hides under his desk and is never available. They scam, lie, commit fraud and use the courts as a game without properly notifying people in order to obtain default judgements. I 've been in contact with the States Attorney General 's office about this company and they are aware of the activities of this company. 

This issue occurred to me unfortunately due to a divorce. I had an XXXX card at one time many years ago. XXXX is now out of business. The XXXX company and I negotiated a debt cancellation well over 7 years ago and settled the amount of the debt for {$1100.00} which was taken care of and I received a XXXX form from them. This JA Cambece " collection agency '' somehow has this old debt from an equally bad company called ( XXXX ) pronounced ( XXXX ) in XXXX, XXXX. 

They have been harassing me for years and obtaining judgements without my knowledge and now its for XXXX.. Extremely laughable and criminal.. I 've filed for CH XXXX bankruptcy with the US Bankruptcy Court in XXXX, XXXX. 

In the meantime they have harassed my work and are now looking to garnish my wages on XXXX XXXX 2017 which will never, ever happen! I am police officer and this has threatened my employment and standing in the court which I work out of. I have to testify at the XXXX District Court constantly. If this company thinks they can steal my money which I have none they are in for a rude awakening. I will be pursuing a law suit against this company unless this civil lawsuit is dismissed and vacated immediately. If I should lose my employment due to this company and XXXX actions, a lawsuit will be forthcoming. A copy of this complaint is being sent to my Attorney XXXX in XXXX, XXXX for possible legal action against JA Cambece and XXXX. 

That original judgement was also made without notification or contact from anyone. They lie, cheat, scam and steal from most everyone. Its proven by the multiple law suits against these " law firms '' and " collection agencies. '' They need to stop scamming the american people. Do something about these companies! 

They purchase bad debts for pennies on the dollar, some of which are already settled with the original creditor. They get " canned '' affidavits from employees at these creditors that have no knowledge of the actual debt. They harass and sue without the persons knowledge and obtain default judgements because they never actually serve the person. I 'm not making this up. There are countless class action law suits against these companies. They continue though without interruption even after being found to be scamming the american people and breaking the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation