704-909-6422
NC, US
Danielle
Danielle
2014-02-14 21:37:06
Debt Collector
This number has been calling me everyday for the past month. I never pick up the phone for numbers I don't recognize. They always leave a message saying that I need to contact Stella Recovery at 877-236-6579. There is no further information provided and I know that I don't have any outstanding debts. I want them to stop calling me everyday.
Tamianth
Tamianth
2014-01-27 22:45:44
Unknown
You need to send them a cease & desist letter via certified or registered mail. Also check the SOL in your state as well in regards to this. Follow the steps in what you need to know..

http://800notes.com/arts/Jb8EW-eDhQA/harassin ... ou-need-to-know
See Residents post here also:
http://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls
Templates of Letters:
http://800notes.com/Phone.aspx/1-319-242-7350

http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ...
http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf
http://www.consumer.ftc.gov/articles/0149-debt-collection

A Collection Agent May Not?

Here are the top 11 actions prohibited by the The Fair Debt Collection Practices Act:

Misrepresent Him or Herself

  A debt collector may not misrepresent himself as an attorney or law enforcement officer.

Use the Telephone to Annoy or Harass

  A collection agent may not cause a telephone to ring or engage any person in telephone conversation repeatedly or continuously with an intent to annoy, abuse, or harass anyone at the called number.

Threaten Arrest or Lawsuit

  A collection agent may not threaten a consumer with arrest. It may not threaten legal action that is either not permitted or not actually contemplated. In other words, a the threat of a lawsuit may be an empty one.

Use Abusive or Threatening Language

  A debt collector may no use abusive or profane language in the course of communication related to the debt.

Publish a Bad Debt List

  Publishing the consumer?s name or address on a "bad debt" list is prohibited.

Contact By Embarrassing Media

  A debt collector may not communicate with a consumer by post card. It may not use any language or symbol, other than the debt collector?s address, on any envelope when communicating with a consumer by use of the mails or by telegram. A debt collector may use its business name if such name does not indicate it is in the debt collection business.

Contact a Consumer at Work

  A collection agent may not communicate with consumers at their place of employment after being told this is unacceptable or prohibited by the employer.

Seek Unjustifiable Amounts

  A debt collector may not demand any amounts not permitted under an applicable contract or as provided under law.

Contact a Consumer Represented by an Attorney

  A collection agent may not contact a consumer after it learns the consumer is represented by a lawyer.

Communicate With a Consumer After Receiving a Validation Request

  If a consumer sends a written §1692g response within 30 days, the collection agent may not communicate with the consumer until it mails the consumer the requested verification of original creditor's name and address.

Communicate With Third Parties

  A debt collector may not reveal or discuss the nature of a consumer?s debts with third parties other than the consumer?s spouse or attorney. A collection agent may contact neighbors or co-workers only to obtain location information. It may contact a third party again if it has reason to believe the information the party provided previously is false.

Bills.com FDCPA FAQ

Below are questions Bills.com readers ask frequently:

Can a Collection Agent Call My Cell Phone?

  Yes. However, if you tell the debt collector it may not use that number because it is a cell phone, it may not contact you again at that number.

I Keep Receiving Dozens of Calls From Collection Agents. Is That Legal?

  No. Unscrupulous collection agents will use "block parties" or "office parties" where they contact a consumer, multiple neighbors, or co-workers telling them they need to reach the consumer on an urgent matter. This is not permitted under the FDCPA.

A Collector Says I Will Be Arrested if I Do Not Pay

  This was a true statement before the US Civil War, but has not been true since. People may be arrested if an aggressive judge files a bench warrant for a person who does not appear at a hearing relating to a lawsuit regarding a debt. However, in that case, the offense is the failure to respond to a court order, and not the existence of the debt. As stated above, it is illegal under the FDCPA to threaten a consumer with arrest if the consumer does not pay the debt.
Debbie Gona
Debbie Gona
2014-01-27 22:13:21
Unknown
PS
they have also rudely speud out my social security number to me on the phone trying to verify me.  
I T IS ILLIGAL TO DO THAT.  A REAL COMPANY CAN NOT SAY OR GIVE YOUR SOCIAL OVER T
HE PHONE!
Debbie Gonda
Debbie Gonda
2014-01-27 22:10:56
Debt Collector
I have been getting calls from these guys ever since my husband an i came into money. They called on a Sunday evening, usung my old married name from over 20 years ago.  The catch is I haven't had any debt in over 12 years! They have harassed my poor old Mother in another state to boot!  it is Morally WRONG! come on guys... I just got a notice for an attempt to collect in the mail.  for over 13, thousand dollars.  But they are willing to accept only 10% to settle. Do not be fooled by these people. it is a total sham!
wellsscape
wellsscape
2013-05-02 19:40:29
Debt Collector
This is what I received almost 2 yrs ago cannot get holdof them this phone is not setup to take calls

Re:                              Original Creditor:   MBNA                                                          

                                                Current Creditor:   Cambridge and Stein LLP        

                                                                Case Number:       117-363MS

                                                Balance due:             $3417.35                                          

                                  Dear  Ira Wells,

                                                                                                                                                                                                                                                                                                     

Our client has made the decision to offer you an opportunity to bring closure to your delinquent account with Cambridge & Stein LLP.  Please be advised MBNA has relinquished all rights to this account under the sale to our company. The payment plan in full amount of $3,417.35 is as follows: $100.00 paid monthly due on the 30th of each month starting 09/30/2011 until balance is paid in full.  
If you fail to comply with the above terms this office may, without further notice, declare the entire balance due and proceed accordingly in your jurisdiction. Upon clearance of funds the above referenced account will be considered satisfied, and your credit file will be updated, if applicable. In addition all collection efforts will cease and the account closed.
If you have any questions relative to the above referenced settlement, please do not hesitate to contact our office toll free at 1-855-502-7966 Monday through Friday 9:00am ? 5:00pm EST. Please refer to the case number indicated above.
Federal law requires we notify you that this communication is from a debt collector in an attempt to collect a debt and any information obtained will be used for that purpose.
Upon receipt of payment all legal obligations will be satisfied.

Sincerely,

Mrs. Joann Greene

Litigation Director

Cambridge & Stein LLP.

1-855-502-7966
wellsscape
wellsscape
2013-05-02 18:38:34
Unknown
This is what I received almost 2 yrs ago cannot get holdof them this phone is not setup to take calls

Re:                              Original Creditor:   MBNA                                                          

                                                Current Creditor:   Cambridge and Stein LLP        

                                                                Case Number:       117-363MS

                                                Balance due:             $3417.35                                          

                                  Dear  Ira Wells,

                                                                                                                                                                                                                                                                                                         

Our client has made the decision to offer you an opportunity to bring closure to your delinquent account with Cambridge & Stein LLP.  Please be advised MBNA has relinquished all rights to this account under the sale to our company. The payment plan in full amount of $3,417.35 is as follows: $100.00 paid monthly due on the 30th of each month starting 09/30/2011 until balance is paid in full.  
If you fail to comply with the above terms this office may, without further notice, declare the entire balance due and proceed accordingly in your jurisdiction. Upon clearance of funds the above referenced account will be considered satisfied, and your credit file will be updated, if applicable. In addition all collection efforts will cease and the account closed.
If you have any questions relative to the above referenced settlement, please do not hesitate to contact our office toll free at 1-855-502-7966 Monday through Friday 9:00am ? 5:00pm EST. Please refer to the case number indicated above.
Federal law requires we notify you that this communication is from a debt collector in an attempt to collect a debt and any information obtained will be used for that purpose.
Upon receipt of payment all legal obligations will be satisfied.

Sincerely,

Mrs. Joann Greene

Litigation Director

Cambridge & Stein LLP.

1-855-502-7966
pissed
pissed
2013-02-25 20:34:46
Unknown
i'm tired of these people calling and making threats done had enough, i will filing a police report of harrassment against them that is for sure.

They calling their self Investigater Micahel and Lisa Micahel------they call jobs and everything and Harrassement is against the law
PISSED COMPLETLY OFF
PISSED COMPLETLY OFF
2013-02-25 20:31:30
Unknown
Just to let you know crack heads/ Harrassement is against the law ------you are breaking the law.
Call and use Mr. Investgator Michael, then the lady calls and makes the same rash statememts.
lisa Michael, and God knows how many other names you are using.

Just let  you know you have been reported Better Busniess Beru and there will be a harrasment file with the Plice department there where you are calling for, i'm tired of your BS and done had enough.
Yall nothing but Scammers/ threating people and calling and making statements i don't owe a dang thing.
And what i do owe i can go straight to their office Dumm A.
Keep calling cause get done with you everyone going to know about you.
Mary
Mary
2012-11-13 22:46:52
Debt Collector
I just received a call from :investigator" Vernon Edwards from phone # 704 230 0427 from Cambridge and Stein.  I too live in Texas.  He said he had a summons 129234-US that he is about to file with my local county clerks office.  And to call him back at 704-464-4474.   I did and left a message. Claim # and my #.  I too will be following up with the authorities..  We dont owe anyone anything.  These people  should be prosecuted.
Traci Fleming
Traci Fleming
2012-11-12 16:03:21
Unknown
I just received a call from a company with same name, however the phone number came up "Private" on my caller id. The call was from a man giving me a whole legal shpeel, and when I attempted to reply he became very loud, rude, and threatening. When I made it clear that I am aware of my rights in this situation and I know what they can and can not do, he became angrier and louder. At this point I hung up on him. He then called me right back, again from a "Private" number and as soon as I answered the phone he said "Where is my money Traci". At this point I became angry and began giving him the what fors when he then said that I should be in prison lol. If and when they call again, I will make it a point to remain calm and collect necessary information FROM them as I did not this time.
Pam
Pam
2012-10-04 21:09:34
Debt Collector
I recieved a call from investigator michaels a male not female like the others talk to a women he told me i owed a payday loan from   2008 he said if i did not pay it i would be summons to court and go to jail for check fraud i told him summons me and dont call me again first statue of limitations has run out and second i dont owe the loan these people are not legit and are using scare tatics to get money out of you dont give in to them there scammers. The number he was calling from was 843 253 0442 i ask him to cease and desist calling me
GladiGoogled
GladiGoogled
2012-10-03 21:05:09
Debt Collector
I have just began to get these phone calls @ my place of work, Lisa (LOL) was reluctant to give the company name (Cambridge). Once I was off the phone with her (she doesn't know that I am a Female and call me HE when I was taking a message pretending not to me myself) I Googled the company name and found this forum. I am glad I did too because the next communication was with my family lawyer and Lisa has it coming. I have made a habbit of screening my calls ever since I bought my new truck just for this reason, Weirdos calling me constantly. Thanks again for the info
Concernedcitizen97
Concernedcitizen97
2012-09-26 23:25:14
Debt Collector
These same people are just looking up our last name and randomly calling people to find relatives to harass. I'm not sure who I should contact, I live in Texas. I understand they are frauds but I have distant family members calling, emailing, and writing telling me to take them off our debt as contacts. We have never had a loan and we dont even know some of the numbers they are calling. Please can anyone help us?
JJJ
JJJ
2012-09-10 16:53:04
Debt Collector
I just recieved a phone call from Vernon Edwards in regards to a summons that was going to be submitted in 2 then he said no 5 hours if I did not call the Cambridge & steins Law office to clear this up.  He was friendly and said to give them a call to clear this up. I told him that I did not know what he was talking about to send me written information.  Then he just said to give them a call.  What should I do call them?
Lynn
Lynn
2012-08-10 16:13:13
Debt Collector
recently I have been receiving unknown calls. This woman would leave messages saying She is calling with a law firm ( but wouldnt leave the name of the firm) who now has my paperwork , and she is trying to collect a debt from March 2008.
So i didnt immediately call her back I didnt know what to do at first. So finally a guy by the name of Mr Jackson called my work, he stated that there was a payday loan i took out in March 2008 and that he was going to need a debit card and so we can start monthly payments. I said um. ok. He then tells me that the loan was originally for $400 and with interest is now $4000. I said I will have to figure out what I can do he says OK OK hold on, he puts me on hold and comes back with I can go aheadd and drop it down to $793 in two payments. I said. "I will call you back." Since then they have called a few times and i have not returned any of there calls until at work 2 days ago, when I received a fax saying that they were trying to garnish my wages . Thats when i learned what they really are. I googled the number 704-909-6422 and saw all of the other reviews. So this morning I called. I spoke with "Investigator Michaels" I explained to her that when I looked into my debt that it was not on my credit report and that I knew that they legally can Not try to collect on a debt that has been written off. So she then says Hold please. Then Mr. Jackson gets on the phone i tell him the same thing I told her and He got extrememyl upset said" I can I will and I am going to get this money from you" I said, "well after speaking w/ my attorney(who happens to be my aunt) I have found that you have no legal grounds to collect on this debt and I have reported you to the FTC. He asked for my lawyers number I said OK I will have her call you and when she did They did not answer and have not returned voice mails. These People are scam artists and what they are doing is completely wrong!! IPLEASE REPORT THEM IF THEY BOTHER YOU !!!!!!
Good luck to any of you who ever receive these ridiculous calls.
Armywife
Armywife
2012-07-16 23:10:23
Debt Collector
Yes the number 704-909-6422 is from Cambridge but why did mrs. Michaels say the company name is fairwells and associates not Cambridge
Armywife
Armywife
2012-07-16 22:32:15
Debt Collector
Hey I'm receiving calls from this 704-909-6422 number and her name is mrs michaels. She's saying that I owe them between 300.00-500.00 dollars from a loan I made with BMG. If I don't get it paid by the end of this week there gonna summon me. The companies name is Fairwells an Associates and her name is Mrs. Michaels. She won't give me anymore information she told me she can't. So what should I do pay it or not? Can anyone help asap
Melissa Perez
Melissa Perez
2012-05-24 14:21:49
Unknown
Just says to call this number. They have been calling my dads number.
kh
kh
2012-03-29 15:33:02
Unknown
Wow, I just received another call from 980-225-1844 and the guy was not very nice. He asked if I was ready to settle for the $800 and I told him I wasn't paying it, he proceeded to try and work a deal. I told him I was not paying him at all and that I did not find his business a legitimate business after call the BBB. He asked why I would not want to pay the bill, I told him I didn't have a problem contacting the company directly but was not dealing with him. He asked me why I was being so dumb and then proceeded to actually call me stupid. I advised him not to call my work number again because that is against the law and that I was not paying him. I had to hang up because he was proceeding to get worse. WOW is all I can say. That is no way for any kind of business to talk with people, at least a legal business.
IrishSM
IrishSM
2012-03-20 21:48:52
Debt Collector
I received a phone call from Cambridge and Stein on my boyfriends private, unlisted home number looking for me.( phone number on caller ID was # 980-225-1844) Some woman named Sara who was nice about it at first than transferred me to some woman name Micheal's, who was rude, snotty and down right disrespectful. She proceeded in telling me, that I am wanted for collection in Check fraud for some pay day loan. She than told me I opened a fraud account with Sun Trust bank in April of 2008 in Atlanta Georgia. (I WAS NEVER IN ATLANTA GEORGIA IN 2008), than she said the payday loan was opened in Virginia and they wanted me to be summoned to Duval County Florida for court. OK anyone get any of that cause I was certainly confused.. Than she told me that the original debt of payday loan was for $820.00, But she would settle for my debit card over the phone for a payment of $655.00 or summons to court in Florida for $1500.00. When I paused and was so upset she than turned the conversation to I was not voluntarily give funds today so I would be summoned, I explained to her I never opened a checking account with Sun Trust Bank in Atlanta GA in April of 2008 I was in the US Army at that time and stationed in South Carolina. I never took out a payday loan ever and I am totally against them. She refused to send information in writing stating this account and also did not want to supply their firms information. So I told her I wanted to contact a lawyer and hung up. I called the FTC only after go-ogling this firms number and these forums came up. I knew than I wasn't alone. FTC gave me a reference number and told me to contact my State Consumer Protection Agency. FTC warned me this was a scam and that there is open investigations into these matters.  I am so glad that I looked this up and found all of you. Because I was in tears, I had my purse stolen from me in later part of 2007, police report filed, checks were written in my name used at best buy sprint at&t and so on.. for hundreds of dollars. After getting that all taken care of now this, I was so upset. Thank you for the first person on this forum for having the balls to come forward to warn us all. I thank you.. If anyone has been told the same information on a bogus payday loan, sun trust bank or any bank, and they want money from you.. Ask them for it in writing to be sent to you on letterhead from their firm ASAP, if they say no they already have sent out paperwork back in 2008, FTC told me by law and its the LAW they have to resend information on debts, its the LAW. If they refuse hang up call the FTC and go from there.. Report all calls, names and times and amounts they say you owe... I checked my credit reports nothing was owed to anyone or a payday loan, they are scam artist so PLEASE!!!! BEWARE!!!..
Nicole Weeks
Nicole Weeks
2012-02-23 19:25:20
Unknown
They have been calling my phone non stop looking for my mother and like I told them I handle all of her affairs so if there was anything they needeed to send they should send it to me and I have yet to get any of the stuff they claimed they had. The are pissing me off with this nonsense
Michael
Michael
2012-02-22 19:12:42
Debt Collector
Called me and my wife claiming an old debt. When I asked for them to mail me a copy of the debt,they replied they would not be sending info. I would be charged with fraud and an attorney would be in touch. Then they said a relative and friend would be contacted to pursue them. These people are scam artists.
notfallingforit
notfallingforit
2012-02-16 20:13:44
Unknown
FIND MY LINKS BELOW- THEY HAVE STOLEN YOUR IDENTITY REPORT THEM IT DOESN'T TAKE TOO LONG AND CAN ALL BE DONE ONLINE
WONTSTANDFORIT
WONTSTANDFORIT
2012-02-16 20:12:43
Debt Collector
http://www.ncdoj.gov/Top-Issues/Protecting-Consumers.aspx

copy this link to file an online complaint with the charlotte nc police department

next you must go to bbb.org and file a complaint there

http://www.ncdoj.gov/Top-Issues/Protecting-Consumers.aspx
copy this link to file an online complaint with the north carolina attorney generals office

IF ENOUGH PEOPLE STAND UP TO THIS B***S*** MAYBE THESE SCUMBAGS CAN BE STOPPED THEY ARE IDENTITY THIEVES AND SCAMMERS!
notfallingforit
notfallingforit
2012-02-16 07:56:32
Unknown
SAME EXACT story- they call everyone stating they are going to take legal action leaving messages everywhere they can had a lot of scary info.  same person michae sansoon do not give these people any money
Pissed
Pissed
2012-02-09 15:36:32
Unknown
I continue to get calls from this company for almost five months.  They call from varies numbers.  I have asked them not to call me but they continue to.  I know this is a scam because one I do not owe any money.  I brought a house; if I owed any money my loan would have been held up until it was paid and my credit score would have been effected.  I am really getting pissed off with them calling me.  They are saying that it is a credit from 2003.  Hello there is a statue of limitations.  I am not stupid stop calling me.  If they call you please don't go any further with them.  It is a scam.  and they will try to scare you.  Be strong.
Barnes
Barnes
2012-02-09 02:40:41
Debt Collector
I had received a call saying I owed them money, and if I did not pay it they would come and arrest me. I called the attorney generals office and reported them and they told me to file a police report. They are persistent because they called my family and my sister told them they could do nothing to her becAuse they have no signatures from her. I have not figured out how they received there phone numbers but this is crazy. These people need shut down. I have received nothing by mail regarding this supposed loan from 2006. It is unbelievable to me. Please report if they do this to you
FURIOUS!
FURIOUS!
2012-02-02 05:42:59
Debt Collector
I had two missed calls today from 980-225-1844 a lady by the name of Sara left me a voicemail and stated she is calling from CAMBRIDGE & STEIN and that I am being "investigated for check fraud" and for me to call MICHAEL SAMSONE at 704-909-6259 and reference case # 122980. I called only because I had no idea what they were referring to and I wanted to clear my name from any check fraud allegations toward me that are totally false. Long story short he asked for over $2,000. from me and stated that if I didnt pay that they would file check fraud charges against me and it would reflect on my credit account. It's funny that he had said that because when I let him know that I had pulled my credit report from the 3 agencies and that I didnt see anything from this payday loan company he's alleging I owe money to he stated that I wouldnt have seen it listed there because hes not a debt collector hes calling from a "law firm", that this case was being "re-open" and that they had sent me a letter in 2008 attempting to settle(which I NEVER received)After telling him I am not in the position nor do I have that kind of money he asked if I can get it from my parents (that right there should have been another red flag but Im not going to lie I was pretty intimidated by him he was very rude). I was disconnected once then I called back(not sure if it was my phone or his) then the 2nd time after being on hold for over 2 minutes I called back 3 times and just got his voice mail. I guess he figured he wouldnt be getting any money out of money so he decided not to answer anymore, unless he calls back tomorrow. I feel STUPID for even thinking that there was any truth to this phone call when I KNEW that there wasnt. Im very happy that I am able to read these stories and share mine I hope my story helps others as these helped me. I WILL BE REPORTING THIS COMPANY AND PLEASE DO SO IF YOU HAVE HAD A SIMILAR EXPERIENCE, TOGETHER WE CAN GET THESE BAD PEOPLE!!!!!!!!
L. Smith
L. Smith
2012-01-17 17:53:33
Debt Collector
I have received a call from Cambridge and Stein threatening to serve me with a court summons.  I would like to request that you send me written documentation rather than calling my place of employment.  A gentleman spoke with my supervisor this morning and this has caused a problem.  Please do not call my employer again as I am not allowed to received personal calls at my work place.
Little Girl
Little Girl
2011-11-15 22:14:03
Unknown
Richard Keith, Investigator for Cambridge and Stein claims that information was faxed to his office  with my name and social attached to an affidavit regarding a pending judgement; they have had this account for about 30 days. His direct line is 980-225-1843. Case ID #120509. My credit report does not reflect any outstanding payments. I never received any mail in regards to this claim. I have received these phone calls from various number for about two years. A legitimate creditor would not l be calling about the same issue without sending some documentation. These folks are attempting to run a scam and I refuse to be their victim.
1-647-722-6641 1-352-377-3575 1-800-352-3778
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