This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 34 complaints

Law Office of J.A. Cambece - Debt Collector Complaint Profile

CFPB complaint profile across 16 states, reputation grade D.

Complaints by issue type

What consumers report about Law Office of J.A. Cambece

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record law-office-of-ja-cambece Law Office of J.A. Cambece

Grade D · 34 CFPB filings · 85% timely · lead issue: Cont'd attempts collect debt not owed

  • VOL 34
  • GRADE D
  • 12MO 0
  • STATES 16
  • TIMELY 85%
  • DISPUTE 32%
  • ISSUE Cont'd attempts collect de…
  • RANK #1,452
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Alliance Group & Associates LLC (34 complaints)

Alliance Group & Associates LLCAlliance Group & Associates …34AmeriHome Mortgage Company, LLCAmeriHome Mortgage Company, …34Bridge IT, Inc.Bridge IT, Inc.34Cadillac Accounts Receivable ManagementCadillac Accounts Receivable…34Law Office of J.A. Cambece (this)Law Office of J.A. Cambece (…34
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Law Office of J.A. Cambece's 34 CFPB complaints sit next to Alliance Group & Associates LLC on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 34 complaints break down

Every complaint issue type on record for Law Office of J.A. Cambece, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
53.6/100
Law Office of J.A. Cambece

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume D
34
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
85%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
32%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

38.2% of Law Office of J.A. Cambece's CFPB filings land in Massachusetts

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
Massachusetts 38.2%
13 of 34 filings · 16 states touched
Seasonal peak
2025-10 11.1%
8–15% band · 4 filings
Corpus ranks
#1,452 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Law Office of J.A. Cambece compare to its peers?

How does Law Office of J.A. Cambece compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Law Office of J.A. Cambece National average
Complaints (last 12 mo)lower is better
0
0
268
Timely-response ratehigher is better
85%
100%
91%
Consumer-dispute ratelower is better
32%
44%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Law Office of J.A. Cambece a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 7 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 60%70%80%90%100%110% 0%10%20%30%40%50% Timely response rate (%) Dispute rate (%) Law Office of J.A. Cambece vs. 6 similar-volume peers, by response speed and dispute rate Law Office of J.A. CambeceGAMACHE & MYERS, PCRoach & Murtha, P.C.Elite Financial Services, Inc.Stephen L. Bruce, P.C.Collectibles Management ResourcesTRUSTMARK CORPORATION
Source: CFPB Consumer Complaint Database

Law Office of J.A. Cambece's complaint volume in context

Law Office of J.A. Cambece vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

34 73rd percentile higher than 73% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). This entry sits in this band. 40–60: 260 collectors (5%). Above this entry. 60–80: 163 collectors (3%). Above this entry. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Law Office of J.A. Cambece 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2021-08 2026-03

Issue Detail Breakdown

Issue Complaints
Cont'd attempts collect debt not owed
6
Attempts to collect debt not owed
5
Communication tactics
5
Took or threatened to take negative or legal action
4
Improper contact or sharing of info
4
Taking/threatening an illegal action
3
Written notification about debt
2
False statements or representation
2
Disclosure verification of debt
2
Threatened to contact someone or share information improperly
1

Where do complaints against Law Office of J.A. Cambece come from?

Law Office of J.A. Cambece's own per-state count, not a national baseline.

Top states by complaints against Law Office of J.A. Cambece

Across 16 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Law Office of J.A. Cambece: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 34.

4 peers

Know your rights before responding to Law Office of J.A. Cambece: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.