Dealing with debt collectors is stressful. If the law office of Nelson & Kennard is calling you, it’s a serious step that can lead to lawsuits or wage garnishment. This definitive guide explains who they are, your rights, how to respond to a Nelson & Kennard lawsuit, and how to stop the harassment for good.
Who Are Nelson & Kennard Attorneys?
Nelson & Kennard is a debt collection law office that files lawsuits for creditors. The firm operates differently from a standard collection agency. As attorneys, Nelson & Kennard attorneys have the direct authority to initiate legal proceedings in court on behalf of their clients, which are typically banks, credit card companies, and financing firms. When you hear from this specific Nelson & Kennard law office, it often means a delinquent account has been escalated from internal collections to the legal department, signaling a heightened risk of a lawsuit. The firm is based in California but files cases in multiple states.
Nelson & Kennard Contact Information
Main California Office:
5011 Dudley Blvd, Bldg 250, Bay G, McClellan, CA 95652
Phone: (866) 920-2295 | Fax: (916) 920-0682
Other Offices: Colorado, Massachusetts, New Mexico, Hawaii.
BBB: Nelson & Kennard Better Business Bureau
Why Is Nelson & Kennard Contacting You?
Nelson & Kennard is contacting you because a creditor has assigned or sold them a debt they believe you owe. This contact can start with letters and persistent calls, but the most serious form is a legal summons. The core reason you are dealing with Nelson and Kennard is that a creditor has decided to use legal channels to collect. Ignoring their communications significantly increases your risk of a Nelson and Kennard lawsuit. Therefore, a timely and informed response is crucial, even if you plan to dispute the debt’s validity.
Can Nelson & Kennard Sue You or Garnish Wages?
Yes, Nelson & Kennard can sue you and, with a court judgment, garnish your wages or levy your bank accounts. A Nelson and Kennard lawsuit is a civil action filed in your local court. If they obtain a judgment against you, they can enforce it through powerful means like wage garnishment, where a portion of your paycheck is sent to them, or a bank levy, where funds are removed from your account. Ignoring a court summons leads to a default judgment, essentially giving Nelson & Kennard an automatic win and paving the way for these severe financial consequences.
Potential Consequences of a Nelson & Kennard Judgment
| Action | What It Means | Legal Basis |
|---|---|---|
| Wage Garnishment | A court order directs your employer to withhold part of your pay. | State & Federal Law |
| Bank Levy | A one-time withdrawal from your bank account to satisfy the debt. | Court Judgment |
| Property Lien | A claim is placed on property you own, like a home. |
Settling With Nelson & Kennard – What to Know
Settling with Nelson & Kennard is a common outcome, often for less than the full amount owed. Before discussing settling with Nelson and Kennard, you must validate the debt. Once confirmed, you can often negotiate a lump-sum settlement for 30-60% of the balance or arrange a manageable payment plan. The absolute rule is to get every term in writing before sending any payment. Be extremely cautious with old debts: a partial payment can restart your state’s statute of limitations, making you vulnerable to a full Nelson and Kennard lawsuit once again.
Nelson & Kennard Reviews and Complaints
Nelson & Kennard reviews from consumers frequently cite aggressive tactics and disputes over debt accuracy. Analyzing Nelson & Kennard reviews on platforms like the BBB and complaints to the CFPB reveals common themes: allegations of excessive calling, attempts to collect on incorrect amounts or time-barred debts, and poor communication. These Nelson and Kennard complaints are valuable because they highlight behavior patterns that may violate your rights under federal law, empowering you to recognize improper conduct.
Your Rights Under the FDCPA Against Nelson & Kennard
Your rights under the Fair Debt Collection Practices Act (FDCPA) protect you from harassment, threats, or deception by Nelson & Kennard. This federal law is your shield. It grants you the right to demand written validation of the debt and prohibits collectors from using abusive language, calling at unreasonable hours (before 8 a.m. or after 9 p.m.), or misrepresenting the legal consequences. The law also restricts Nelson & Kennard attorneys from discussing your debt with unauthorized third parties, like your employer or family. You can learn more about these protections directly from the Federal Trade Commission.
How to Respond to Nelson & Kennard Collection Attempts
Respond to Nelson & Kennard strategically: validate the debt, document everything, and never ignore a lawsuit. Your first action should be to send a written debt validation request within 30 days of their first contact. Maintain a detailed log of every interaction. Crucially, if you are served with a summons for a Nelson and Kennard lawsuit, you must respond by the court’s deadline, typically 20-30 days. Consulting with a consumer rights attorney at this stage is one of the most important steps you can take to protect your income and assets.
How to Stop Nelson & Kennard Phone Harassment
Stop Nelson & Kennard phone harassment by invoking your legal rights to cease contact. You can send a formal cease-and-desist letter via certified mail, demanding all telephone communication stop. If calls continue, each one may be a separate violation of the FDCPA. You can file a formal complaint with the (CFPB), which investigates debt collectors. In many cases, these violations give you the right to file your own lawsuit against Nelson and Kennard to recover damages and stop the behavior.
Your Action Plan to Stop Harassment
| Action | Best For | How It Works |
|---|---|---|
| Cease & Desist Letter | Stopping all phone calls. | Legally requires them to stop contact (except for specific legal notices). |
| CFPB Complaint | Official reporting & investigation. | Triggers a regulatory review of the collector’s actions. |
| FDCPA Lawsuit | Seeking damages & stopping illegal acts. | You can sue for up to $1,000 + attorney’s fees for violations. |
How to Spot Scams & New Enforcement Trends
In 2026, verifying any contact from Nelson & Kennard is critical due to sophisticated spoofing and “phantom debt” scams. Scammers impersonate real firms like the Nelson & Kennard law office. Before engaging, you must verify. Do not call back the number on your caller ID. Instead, find the official Nelson and Kennard contact information from their website or state bar listing (see our verified section below) and call that number to confirm. Current CFPB enforcement is sharply focused on these deceptive practices and on collectors who fail to provide clear, upfront debt validation.
Step-by-Step 2026 Verification Guide:
Pause: Never confirm personal or payment info on an incoming call.
Identify: Ask for the caller’s full name, company address, and a direct callback number.
Verify: Hang up. Independently find the official Nelson and Kennard law office contact info from a trusted source.
Confirm: Call the official number yourself to ask if the debt and representative are legitimate.
How Consumer Rights Law Firm PLLC Can Help
If you are facing a Nelson & Kennard lawsuit or relentless harassment, you don’t have to fight alone. Consumer Rights Law Firm PLLC specializes in defending consumers against aggressive debt collectors like Nelson & Kennard. Our attorneys can:
Defend you in court against a Nelson and Kennard lawsuit.
Negotiate with the firm on your behalf for settling with Nelson and Kennard.
Take legal action to stop illegal harassment and seek statutory damages for FDCPA violations.
We offer a free, confidential case review to assess your situation. Let us help you protect your rights and your financial stability. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
Success Stories
- I worked with Scott and he was an absolute pleasure! He was very swift, honest, resourceful, helpful. He reassured me that I would never be asked for any money out of my pocket. His assistance with settling my case lifted a huge weight off my shoulders! Thank you so much, Scott! God bless!
- The law firm is highly regarded for its dedication to safeguarding individuals’ rights and its personalized, genuine-care approach to legal support. Attorney Derek possesses exceptional skill and extensive experience in handling consumer rights cases, while Matthew and Scott approach their work with patience and attentiveness, carefully explaining each step of the legal process to clients. I strongly endorse this firm as a trusted and compassionate resource for those seeking assistance with consumer rights matters.
- Scott was amazing and very professional! He was very knowledgeable and took the time to explain everything and answer my questions. We were dealing with a very unprofessional debt collector. Im thankful I looked into our rights and what we could do and found Consumer Rights Law Firm. Dont ever let a debt collector try to bully you and tell you that you have no rights because you do!
Frequently Asked Questions
Is Nelson & Kennard legit?
Yes, Nelson & Kennard is a legitimate debt collection law firm licensed to practice. However, their collection methods are frequently the subject of consumer complaints and CFPB actions for alleged FDCPA violations.
Can Nelson & Kennard garnish wages?
Nelson and Kennard can only garnish wages after they have filed a lawsuit, won a court judgment against you, and followed strict state legal procedures to issue a garnishment order to your employer.
What happens if I ignore a Nelson and Kennard lawsuit?
Ignoring a Nelson and Kennard lawsuit summons will result in a default judgment. This gives the firm the legal right to pursue wage garnishment, bank levies, and property liens without any further input from you.
Can I negotiate settling with Nelson & Kennard?
Yes, settling with Nelson and Kennard is very common. The firm will often accept a reduced lump-sum payment or a structured payment plan to resolve the debt, but you must secure the agreement in writing before paying.
How do I stop Nelson & Kennard calls?
To stop calls, send a written cease-and-desist letter via certified mail demanding they stop telephone contact. If the Nelson & Kennard calls continue, document them and contact a consumer rights attorney—this is likely an FDCPA violation.
What should I do first when Nelson & Kennard contacts me?
First, send a written debt validation request within 30 days. Do not admit to owing the debt or make any payment to Nelson & Kennard until you have received and verified this written documentation.
Are Nelson & Kennard reviews negative?
Many Nelson and Kennard reviews and formal CFPB complaints are negative, citing patterns of aggressive calling, threats of legal action, and attempts to collect on inaccurate or expired debts.
What rights do I have when dealing with Nelson & Kennard?
Under the FDCPA, you have the right to debt validation, to dispute the debt, to be free from harassment, and to control when and where you are contacted by Nelson & Kennard attorneys.
Can they sue me for a very old debt?
They can file a Nelson and Kennard lawsuit, but if the debt is past your state’s statute of limitations (time-barred), you can raise that as a complete defense in court. Warning: Any payment or written acknowledgment can restart this legal clock.
Should I talk to a lawyer about a Nelson and Kennard lawsuit?
Absolutely. Consulting with a firm like Consumer Rights Law Firm PLLC is highly recommended if you are served with a lawsuit from Nelson & Kennard. An attorney can ensure your rights are protected, explore all defenses (like the statute of limitations), and navigate the complex legal process on your behalf.