What is the most common complaint against Law Office of J.A. Cambece?

The most common issue consumers report about Law Office of J.A. Cambece is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 34 complaints filed with the CFPB.

Are complaints against Law Office of J.A. Cambece increasing or decreasing?

Complaints against Law Office of J.A. Cambece are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Law Office of J.A. Cambece's reputation grade?

Law Office of J.A. Cambece has a reputation grade of D (score: 53.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Law Office of J.A. Cambece respond to consumer complaints?

Law Office of J.A. Cambece has a 85% timely response rate to CFPB complaints. Consumers disputed the company's response in 32% of cases.

In how many states does Law Office of J.A. Cambece operate?

Law Office of J.A. Cambece has received CFPB complaints from consumers in 16 states, with the most complaints from Massachusetts (13 complaints).

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

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

CFPB complaint profile across 16 states, reputation grade D.

Compiled by PlainCollector

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

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 #1452 · compose #3630

VOL 34
GRADE D
12MO 0
STATES 16
TIMELY 85%
DISPUTE 32%
ISSUE Cont'd attempts collect de…
RANK #1,452
COMPOSE #3,630

Volume peers

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

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 →

State-heavy filing map

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

High volume does not equal a clean composite: Law Office of J.A. Cambece is volume #1,452 but composite #3,630, while Massachusetts dominates the geography. 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
Divergent corpus ranks: #1,452 volume; #3,630 composite; Cleanest-composite ladder is 2,178 places worse than volume

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. Cam… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

85%

100%

91%

Consumer-dispute ratelower is better

32%

44%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Massachusetts

13
California

3
Maine

3
Florida

2
Virginia

2
Connecticut

1
District of Columbia

1
Missouri

1

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.