Nelson Cruz and Associates Debt Collection Harassment❓ Stop the Calls❗
Is Nelson Cruz and Associates (NCA) calling you? Stop Nelson Cruz & Associates debt collection harassment. Do they threaten to take legal action or garnish your wages? Are they calling you at all hours or several times a day? Are they telling your family and neighbors that you owe a debt? If you are receiving calls from an associates phone number, it is important to verify the legitimacy of the debt before taking any action. If so, what they are doing is illegal and needs to stop. You have the legal right to stop Nelson Cruz & Associates debt collection harassment. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees.
Is Nelson Cruz and Associates a Scam❓
Nelson Cruz & Associates Debt Collection Harassment is a serious issue. While the Better Business Bureau indicates Nelson Cruz & Associates has been in business for 5 years and is a legitimate company, their practices have drawn considerable scrutiny. Despite their legitimacy, questionable tactics have led to 25 complaints filed against NCA with the BBB.
Who is Nelson Cruz and Associates❓
Nelson Cruz & Associates is a third-party debt collection company located in Dallas, Texas.
🏛️ Nelson Cruz & Associates Address: 9535 Forest Ln STE 114 Dallas, TX 75243-6129
📞 Phone: (888) 757-3930
They collects debts on behalf of various creditors, either by purchasing the debts or acting on behalf of the original creditors.
Nelson Cruz and Associates Collection Tactics
Nelson Cruz & Associates is a debt collection agency that employs various tactics to collect debts from consumers. Some of their common collection tactics include:
- ➡️ Sending letters and emails to consumers demanding payment
- ➡️ Making phone calls to consumers to demand payment
- ➡️ Reporting debts to credit bureaus to negatively impact credit scores
- ➡️ Using automated dialing systems to make repeated phone calls
- ➡️ Sending text messages and emails to consumers to demand payment
It’s essential to know that Nelson Cruz & Associates, like most collection agencies, must comply with fair debt collection practices and state and federal laws. Consumers have the right to dispute debts and request validation of the debt. Recognizing Nelson Cruz & Associates Debt Collection Harassment tactics can help you understand when your rights are being violated and take appropriate action.
Nelson Cruz and Associates Reviews
Review 1: Unrelenting Harassment & Aggression
“I began receiving multiple calls back to back every day… It is harassment… The manager continued to talk over me, was very disrespectful… and hung up in my face.”
Review 2: Threats Without Verification
“Predatory and unprofessional. … I requested multiple times to stop calling my phone and my employer and they claimed they did not have to stop.”
Review 3: False Representations & Coercion
A representative “threatened to take my social security number and use it illegally” and pressured payment on a debt older than the statute of limitations.
Fair Debt Collection Practices
The Fair Debt Collection Practices Act (FDCPA) is a federal law that regulates debt collection practices. The FDCPA prohibits debt collectors from engaging in unfair or deceptive practices, such as:
- ➤ Making false or misleading statements
- ➤ Using abusive language or threatening violence
- ➤ Contacting consumers at their workplace if they have a reasonable expectation of privacy
- ➤ Making repeated or continuous phone calls to consumers
- ➤ Failing to provide written notice of the debt and the amount owed
Debt collectors, including Nelson Cruz and Associates, must comply with the FDCPA and state laws that regulate debt collection. Consumers have the right to request a written validation notice from the debt collector and to dispute debts. Understanding your rights protects you from abusive practices. If you suspect Nelson Cruz & Associates Debt Collection Harassment, knowing the FDCPA is vital.
Consumer Rights and Protections
Consumers have several rights and protections when dealing with debt collectors, including:
- ➢ The right to dispute debts and request validation of the debt
- ➢ The right to request a written validation notice from the debt collector
- ➢ The right to request that the debt collector stop contacting them
- ➢ The right to request that the debt collector provide them with information about the debt
- ➢ The right to request that the debt collector provide them with a written notice of the debt and the amount owed
Consumers also have the right to file a complaint with the Federal Trade Commission (FTC) or their state Attorney General’s office if they believe a debt collector, like those involved in Nelson Cruz & Associates Debt Collection Harassment, has violated the FDCPA. Understanding these rights can empower you to take control of your interactions with debt collectors and ensure that you are treated fairly.
Nelson Cruz and Associates Debt Collection Harassment Practices
If Nelson Cruz &and Associates debt collectors engages in any of the following tactics, you may have a case of Nelson Cruz & Associates debt collection harassment:
- ▶️ Using profanity or abusive language
- ▶️ Calling you before 8:00 a.m. or after 9:00 p.m.
- ▶️ Calling you multiple times per week
- ▶️ Talking to others about your debt
- ▶️ Calling your workplace
- ▶️ Threatening to sue you, harm you, or destroy your credit
- ▶️ Telling you or anyone else that you’ve committed a crime
- ▶️ Calling repeatedly for the wrong person
- ▶️ Failing to notify you of your right to dispute the debt
- ▶️ Trying to collect more than legally allowed
Nelson Cruz and Associates Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
- 📱 888-757-3930
- 📱 888-395-8361
- 📱 (888) 757-3930
- 📱 (888) 395-8361
- 📱 8887573930
- 📱 8883958361
- 📱 210-783-0632
- 📱 888-757-3930
- 📱 430-775-7305
- 📱 209-283-5022
If the answer is yes, then you are receiving calls from a known NCA number. You may be a victim of Nelson Cruz & Associates debt collection harassment. The list above is not all the numbers that NCA uses. The calls can be from a different number, and it still be Nelson Cruz & Associates calling you. Contact our office right away so we can start the process to stop NCA from calling you illegally. Above all, no one should live with harassment!
Debt Collection and Credit Scores
Nelson Cruz and Associates Debt Collection Harassment can have a significant impact on your credit score. When a debt collector reports a debt to a credit bureau, it can lower your credit score. However, consumers have the right to dispute debts and request validation of the debt. If a debt collector is found to have reported inaccurate information, the credit bureau must correct the error.
It’s essential to monitor credit reports regularly to ensure that they are accurate. Consumers can request a free credit report from each of the three major credit bureaus once a year. If a consumer finds an error on their credit report, they should dispute it with the credit bureau and request that the error be corrected. By staying vigilant and proactive, you can protect your credit score from the negative impacts of debt collection, especially from entities like Nelson Cruz & Associates Debt Collection Harassment.
The following is a sample list of complaints filed against Nelson Cruz & Associates in the past year and can be found on Pacer.gov.
- 📋 4:19-cv-00634 Scott et al v.
- 📋 1:19-cv-00120-RLY-DLP Clay v.
- 📋 1:19-cv-01272-JMS-MPB Spillman v.
- 📋 2:18-cv-00330-GCS-CMV Phillips v.
- 📋 3:18-cv-00328-LAB-KSC Arriaga v.
About Us
Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from Nelson Cruz & Associates debt collection in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop the Nelson Cruz & Associates harassment. Seeking assistance from a reputable company like ours can help you effectively address credit report issues and stop Nelson Cruz & Associates debt collection harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent harassment from Nelson Cruz & Associates call us at (877)700-5790 for immediate assistance or visit our website.
Success Stories
- 🏆 “They worked quickly to not only get the account removed from my credit report, but also get me a settlement on top of that. Of course, this was my personal result – yours may differ. I didn’t have to pay a single dime for the service. All my questions were answered thoroughly and in a very timely manner. Do not hesitate to put your trust in this law firm.”
- 🏆 “Consumer Rights Law Firm was excellent to work with! They are very professional, knowledgeable, timely, and thorough. From submitting the online consultation form to signing a settlement offer took only 20 days. I highly recommend them!”
- 🏆 “As always with dealing with someone you don’t see face to face, I was iffy. But Scott never gave me any reason to worry! No account numbers were given, no address was required and no personal information aside from what the company knew me as. And I didn’t pay a cent out of pocket! The calls stopped, my debt was paid, and they were even able to get me a 500$ check for the annoying calls! I am so grateful i came across them, and it really helped me get back to where I knew I could be. The process was quick, Scott answered my questions quickly and was super easy to work with! As soon as the case was settled he called and gave me the good news! I highly recommended them!”
FAQs
Who is Nelson Cruz & Associates and why are they contacting me?
Nelson Cruz & Associates is a third-party debt collection agency based in Dallas, Texas, that purchases or collects on past-due debts. If they are contacting you, they believe you owe a debt they are pursuing.
Can Nelson Cruz & Associates legally harass me with phone calls?
No. Under the FDCPA and state laws, collectors cannot engage in repeated calls, threats, abusive language, or contact your workplace after being told not to, and such conduct could entitle you to damages.
What should I do if Nelson Cruz & Associates keeps calling me?
Document each call (date, time, content), request a written validation of the debt, and send a written cease-and-desist letter. If harassment continues, file a complaint with the FTC, CFPB or your state attorney general.
Will Nelson Cruz and Associates affect my credit score?
Yes, they can report delinquent debts to credit bureaus, which may lower your credit score. If the listing is inaccurate, you can dispute it under the FCRA.
Can I sue Nelson Cruz & Associates for harassment?
Yes. If they violate consumer protection laws like the FDCPA, TCPA, or applicable state statutes, you may sue for statutory and actual damages, plus attorney’s fees.
Can Nelson Cruz & Associates contact my family, employer, or coworkers?
They may only contact third parties to verify your location (address, phone, workplace), and must not disclose your debt or contact them about it.
Do they use robocalls or spoofed numbers?
Yes, consumers often report robocalls or suspicious caller ID numbers. Unconsented robocalls or spoofed numbers may violate the TCPA and other federal laws.
What if the debt they’re collecting isn’t mine or was already paid?
If the debt is not yours, belongs to someone else, or was paid, dispute it in writing immediately. They must validate the debt; if they cannot, the debt must be removed from collections and your credit report.
Can Nelson Cruz and Associates garnish my wages or sue me?
They can only garnish wages if they obtain a court judgment—rare unless they sue you. Without a judgment, they can’t garnish. They also cannot threaten arrest, unless you disobey a court order.
Is NCA a scam?
No, Nelson Cruz & Associates has been in business for 5 years. NCA may either own the debt after purchasing it from the original creditor or act on behalf of the original creditor.
Can Nelson Cruz and Associates garnish my wages?
Yes, NCA can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.
Can NCA sue me?
Yes, NCA can sue you so long as the debt is within the statute of limitations.
Can NCA report my debt to the collection’s bureaus?
Yes, Debt collectors are allowed to place the collection account on your credit report. If you find inaccuracies on your credit report, you should dispute them with the credit reporting agency to ensure your credit score is not unfairly impacted.
Can NCA arrest me?
Debt collectors don’t have the authority to have you arrested for a debt. However, if you violate a court order, e.g., an order to appear in court, the judge can issue a warrant for your arrest. Depending on the laws in your state, you may be arrested for certain debts like unpaid child support or traffic tickets.
How long does Nelson Cruz & Associates have to collect a debt?
Debt collectors, including Nelson Cruz & Associates, are bound by the statute of limitations in your state, which typically ranges from 3 to 6 years for most debts. Once that period expires, they cannot sue you to collect, though they may still attempt to contact you.
What should I include in a debt validation request to Nelson Cruz and Associates?
A proper validation letter should ask for the amount of the debt, the original creditor’s name, proof they have the right to collect, and a copy of the contract or account statement. Send the request in writing within 30 days of first contact.
Can Nelson Cruz & Associates contact me if I’ve filed for bankruptcy?
No. If your debt has been discharged in bankruptcy, collection attempts are illegal. If you’ve filed but the case is still open, the automatic stay protects you from most collection activity, including calls and letters from NCA.
How can I stop robocalls from Nelson Cruz & Associates?
If you are receiving pre-recorded or automated calls, you can revoke consent under the Telephone Consumer Protection Act (TCPA). Keep call records and report violations to the FCC or CFPB.
What evidence should I gather if I want to sue Nelson Cruz & Associates for harassment?
Keep call logs, voicemails, letters, screenshots of texts or caller IDs, and any written communication. Documentation strengthens your case if you pursue legal action under the FDCPA or state laws.
