866-376-4180

Try and get those recorded. They cannot do anything of the sort and it is very illegal to do so. Im telling you this company is corrupt and as bad as they come.

As you mislead the consumer your self I guess huh dumbass!

Scroll to find Cambridge Huxley and Associates at this website. It will tell you everything you need to know about these scum bags and their shoddy practices...

http://www.budhibbs.com/collectorpages/giove_law_firm.htm

My attorney listened to Cambridge Huxley's message and stated they are bottom feeders, newly incorporated and most likely have no net worth so they aren't worth suing YET! That's correct-- YET. Everyone record these calls.Force them to validate- they can't. Shut them down

My daughter and also my son recieved a disturbing call about my daughter having a petition against her.  She called back to find out what was going on and nobody answered.  Stay away from this number

Received a call last week from Cambridge  Huxley and Associates. The call was to inform me that a petition was going to be filed by her office against me for debt owed to cashnet. She basically led me to believe that she was an attorney and then said that they would garnish my wages if I didn't pay them. I informed her that on PA she would not be able to garnish my wages. She said that she could if she had a judgement entered against me. I again informed her that unless the judgement was for child support or student loans she would still not be able to get a wage attachment. She got a little flustered and said that she needed to confer with her client. She didn't leave number to call her back. Today a week later, I have a voicmail from a different person asking to speak with me on this matter before she forwarded it to the court in my county.  She wants to "impress upon me the severity of this case" and asks that I call her back at 866 376 4180 x324. Also left me a reference number.

Hey there, I just got a call from them too!  Although, mine was legitimate and I stopped receiving letters from CashNetUsa a while ago, which should have been my first clue.  Curtis Johnson said that they were a law firm and that if I did not pay I would be taken to court.  Also, he said they were past third party collections, although I never received any letters from anyone other than CashNet.  Anyway, they said there were no payment plans and that I needed to pay in full and that if my check bounced a warrant for my arrest would be issued.  I have never been in trouble with the law, so if it was a scare tactic it worked.  I know I was in the wrong for not paying and I'm taking care of it, but I don't understand why they will not send me a letter stating that I am in the clear and the payment went through.  They only do that through email...sounds a little off to me.  Thanks!

You know something I find hilarious... all of the posts on here giving good information or at least pointing people in the right direction are from people who signed up for this site to post topics... all of the " JUST PAY YOUR BILLS" "Debtors arent INNOCENT PEOPLE" posts come from annonymous posters... interesting...

ANyway, just got a call from Cambridge Huxley and Assoc. Spoke to a woman, whome after I mention contacting the States Attorney General transferred me to a "Mr. Hamilton" who was probably the rudest person I have ever spoken to. Once I tried to explain to him that I wanted them to provide me with a Debt Validation letter, he got angry and told me to pay my damn debt... kept repeating "give me a routing number and account number" over and over... told him to pound sand until he would send me the validation. Asked for their address... silence... asked again... "pay your debt slacker"... asked again "pay your debt"..."account number and routing number today, now!"... hung up, called back the receptionist, who was very cheerful, gave me their address... thanks Ma'am. Have a nice day.

Yea I got the same phone calls and I went on here to check it out. I ignored it like every1 on here said to do. Thanks a lot [***] today I was served with papers to appeare in court for this debt. So I advise for future people on this site to pay the bill because my attnorney said I will be forced to pay this now....thanks a lot to all those in denial about pay debts that gave "advice" about this

So,which bill collection agency do you work for dizzol? Nice try,but no sale.

Call from Ms. Mullens that there is a petition against me.  What i dont understand is i just got a new cell phone and cell phone number yesterday...my family doesnt even have this number.. how does she?!?!

I received a call from a lady by the name of Jillian and she said that a petition was filed through my county, I tried to call but had to leave a message, is this for real? Is there anything I should do?

Debt collectors are legal, but their antics are not. Rodney Giovi is a rent- a -lawyer for a collection agency.
When they call you he is suppose to be availible to be spoken to,which will never happen. The morons that work as collectors state that they are with his law office and have said they are not with a collection agency which they are,another break of the law.

Collection agencies buy old debt for pennies on the dollar and only pay a small percentage to the original holder and it never comes off of your credit report, they can say that they will have it removed,but they are lying once again.

If you are going to pay your debt then contact the company you owe the money to, not the collection agency.

Never acknowledge a debt with the collection agency and never set up a payment plan with them,it starts your debt anew.

Purchase a recorder and record all conversations (if you are in a state that allows it). Texas only requires the approval of one person (you) to be able to record a conversation, look it up online to see if your state allows this. Record their threats and such and turn them over to your Attorney Generals office.

Collections agencies can only stay in business if they can threaten enough people to give them money, they work on a commision bases and will break the rules as much as they are allowed to by you.

They must also have the original signature card if ask for in court and you can ask for a copy of this also, if they cannot produce it they will have to drop thier case. Also ask for proof of debt, a copy of all charges with penalties,they have to provide those also if ASKED for,so ASK.

The collectors whole job is to intemedate you into paying so do not say you owe the debt,record their conversations if allowed in your state, ask for copies of everything with a letter from them in the lawyers letterhead.

Go to the FDCPA website and inform yourself, you have ALOT more right than the collection agency does. Know your rights!

Check with your state on recording conversations with collection agencies, if you are allowed by your satet THEY WILL HOLD UP IN COURT.

In Texas, only one side has to agree to the recording (YOU). I record all conversations and they are admissable in court.

Violations of Collection Agencies

The Fair Debt Collection Practices Act, FDCPA, dictates how debt collectors can act when collecting a debt from you. These are things a debt collector can't do. If you need to reference the law, citations have been provided.
1. Ask you to pay more than you owe
The collector cannot misrepresent the amount you owe. [15 USC 1692e] § 807(2)(a)

2. Ask you to pay interest, fees, or expenses that are not allowed by law
The collector can't add on any extra fees that your original credit or loan agreement doesn't allow. [15 USC 1692f] § 808(1)
3. Call repeatedly or continuously
The FDCPA considers repeat calls as harassment. [15 USC 1692d] § 806(5)
4. Use obscene, profane, or abusive language
Using this kind of language is considered harassment. [15 USC 1692d] § 806(2)
5. Call before 8:00 am or after 9:00 pm
Calls during these times are considered harassment. [15 USC 1692c] § 805(a)(1)
6. Call at times the collector knew or should know are inconvenient
Calls at these times are considered harassment. [15 USC 1692c] § 805(a)(1)
7. Use or threaten to use violence if you don't pay the debt
Collectors can't threaten violence against you. [15 USC 1692d] § 806(1)
8. Threaten action they cannot or will not take
Collectors can't threaten to sue or file charges against you, garnish wages, take property, cause job loss, or ruin your credit when the collector cannot or does not intend to take the action. [15 USC 1692e] § 807(5)
9. Illegally inform a third party about your alleged debt
Unless you have expressly given permision, collectors are not allowed to inform anyone about your debt except:
your attorney
the creditor
the creditor's attorney
a credit reporting agency
your spouse
your parent (if you are a minor)
[15 USC 1692c] § 805(b)
10. Repeatedly call a third party to get your location information
The collector can only contact a third party once unless
11. Contact you at work knowing your employer doesn't approve
A collector is not allowed to contact you at work if you’ve let them know your employer doesn’t approve of these calls. [15 USC 1692c] § 805(a)(3)
12. Fail to send a written debt validation notice
Within five days of the collector's initial communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debt within 30 days. [15 USC 1692g] § 809(a)
13. Ignore your written request to verify the debt and continue to collect
A collector can't continue to collect on a debt after you've made a written request to verify the debt as long as the request was made within 30 days of the collector's written notice. [15 USC 1692g] § 809(b)
14. Continue to collect on the debt before providing verification
After receiving your written dispute, the collector must stop collecting on the debt until you have receieved verification. [15 USC 1692g] § 809(b)
15. Continue collection attempts after receiving a cease communication notice
If you make a written request for the collector to cease communication, it can only contact you one more time, via mail to let you know one of the following: that further efforts to collect the debt are terminated, that certain actions may be taken by the collector, or that the collector is definitely going to take certain actions. [15 USC 1692c] § 805(c)



ALSO  CHECK  YOUR  CREDIT  REPORT  TO  SEE IF  A  COLLECTION
 AGENCY  HAS PUT  ANYTHING  ON YOUR  REPORT,  IF THEY HAVE  AND HAVE  NOT  BEEN TO  COURT  AND RECEIVED  A JUDGEMENT  AGAINST  YOU,  PRINT  OFF YOUR  REPORT  AND  FILE  SUIT  AGAINST  THEM.  FILE WITH THE FDCPA, ATTORNEY GENERAL .


What's the Statute of Limitations On Debt


The statute of limitations for collecting a debt is the period of time that a creditor or collector can use the court to force you to pay for a debt. The time period starts on the account’s last date of activity and varies by state.
How to Use the Statute To Your Advantage
The statute of limitations starts on the last date of activity on the account. (Keep in mind this can be different from the date the account went past due.) Your credit report will include the account's last date of activity.
Even if the statute of limitations has expired, some debt collectors will continue to attempt to collect. They're hoping you don't know about the statute of limitations and you'll pay up if they threaten you enough. They may even file a lawsuit against you. If you are certain the statute of limitations has expired, you can use that fact as justification that you do not have to pay the debt.
Be careful not to restart the statute of limitations. Anytime you take an action with an account, the statute of limitations is restarted. Making a payment, making a promise of payment, entering a payment agreement, or making a charge using the account can restart the statute of limitations on an account. When the clock restarts, it restarts at zero, no matter how much time had elapsed before the activity.


Look online for for Debt Statute of limitations to find your state.

Know Your Rights With Debt Collectors
What many people don’t realize is that they don’t have to resort to such measures to keep debt collectors from making harassing phone calls. In fact, under the Fair Debt Collection Practices Act (FDCPA), you are allowed to tell debt collectors to stop calling you or contacting you period.
Debt collectors would rather talk to you over the telephone because it’s beneficial to them. They often feel they can say whatever they want, knowing that you’ll have no record of it ever being said. These kinds of collectors are hoping that you are ignorant of the laws that govern their actions.
Tip: When Can Debt Collectors Call
Stop Debt Collection Calls
There's no law that says you have to communicate with a debt collector by phone. If you hang up on a debt collector there is nothing they can do about it. But, if the collector continues to call you repeatedly even after you have hung up on them, they are in violation of the FDCPA.
All you have to do to stop debt collectors from calling you is tell them that you prefer to communicate with them in writing. Written communication works to your advantage because you then have a record of everything that is said to you. Should the debt collector violate the FDCPA, you have hard evidence of the violation that could lead to a lawsuit in your favor. Keep in mind that, by law, the debt collector does not have to honor this request.
The surest way to stop debt collectors from calling you is by sending what is known as a cease and desist letter. In the letter, state that the collector should cease and desist further communication with you. Note that the cease and desist letter only applies to debt collectors, not the original creditor.
What After the Cease and Desist
Once the collection agency receives your cease and desist letter they can communicate with you once more, via mail, letting you know one of three things: that further efforts to collect the debt are terminated, that certain actions may be taken by the debt collector, or that the debt collector is definitely going to take certain actions.
When you send the cease and desist letter to the debt collector, send it via certified mail with return receipt requested. This will provide proof that the letter was sent and received. If the debt collector communicates with you beyond the single instance allowed by law, this evidence will allow you to seek punitive action against the debt collector.


If they cannot validate your debt, then they cannot do anything but try to intemidate you.  Write them a cease letter and make them send everything in writting and keep all letters.

There is alot of info online about the FDCPA and collection Agency violations, educate yourself.

Attempt to Validate Debt.

Under the Federal Debt Collection Practices Act, I am allowed to challenge the validity of a debt
that a collection agency states I owe to them. Keep a copy for your files and send the letter registered mail.

Your Name
123 Your Street Address
Your City, ST 01234

ABC Collections
123 NotOnYourLife Ave
Chicago, IL

Date:

Re: Acct # XXXX-XXXX-XXXX-XXXX

To Whom It May Concern:

This letter is being sent to you in response to a notice sent to me on September 30, 2002). Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.

This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following:



   * What the money you say I owe is for;
   * Explain and show me how you calculated what you say I owe;
   * Provide me with copies of any papers that show I agreed to pay what you say I owe;
   * Provide a verification or copy of any judgment if applicable;
   * Identify the original creditor;
   * Prove the Statute of Limitations has not expired on this account
   * Show me that you are licensed to collect in my state
   * Provide me with your license numbers and Registered Agent

     These questions should be answered also

     Who is the current owner of this alleged debt?

     Who is the original creditor for this alleged debt?

     If [NCO/AIS] is the current owner, when was it purchased?

     Who was it purchased from?

     Have you assigned the alleged debt to another entity for collection?

     If so, who?

     If [NCO/AIS] has sold or otherwise transferred this alleged debt, to whom was it sold and when.

     

     At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau’s (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:
         o Violation of the Fair Credit Reporting Act
         o Violation of the Fair Debt Collection Practices Act
         o Defamation of Character

     If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

     Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.

     If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

     I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.

     It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose.

     Best Regards,

     Your Signature
     Your Name

Who said it was illegal? Guilty conscience anyone?

And you WERE told not to call, you just chose to ignore the request.

Thats not necessarily true. I paid a bill once just like they said, but the collectors never applied the payment to the remaining balance, so years later another agency starts trying to collect on the same debt. Throwing money at a problem isn't always the best solution.

So the best thing to do is to respond to a collection letter with a request for validation of debt during the first 30 days. And yes, the collector is required to tell you who this is for. Otherwise anyone could just start making random phone calls anywhere demanding payment for "phantom" bills. Why would anyone think otherwise, unless they are a scammer.

My employer received a SECOND call yesterday from Cambridge & Huxley Associates claiming they had to return the call within 24 hours. and gave a reference number.

Since when can they call your employer and harass them?