Are you getting incessant calls from Nelson Cruz & Associates (NCA)? Do they threaten legal action, wage garnishment, or contact you repeatedly at all hours of the day? Are they sharing details of your debt with friends, family, or neighbors? If any of these situations apply to you, you must know that these tactics may be illegal, and you have the right to stop them.
When dealing with Nelson Cruz & Associates debt collection harassment, understanding your rights under the Fair Debt Collection Practices Act (FDCPA) can empower you to take action. Collection agencies like Nelson Cruz & Associates, often use aggressive tactics that may violate the FDCPA. If NCA violates the FDCPA, you could be entitled to statutory damages of up to $1,000 and have your legal fees covered. It’s time to stop the harassment and regain control of your life.
Is Nelson Cruz & Associates a Scam?
According to the Better Business Bureau (BBB), Nelson Cruz & Associates is a legitimate debt collection company that has been in business for five years. However, they have amassed 25 complaints from consumers regarding their collection practices. Although NCA is not a scam, it’s evident that their methods have left many individuals frustrated and distressed. Understanding your legal rights when interacting with a debt collector like NCA is critical to preventing further harassment.
Who Is Nelson Cruz & Associates Debt Collection Agency?
Nelson Cruz & Associates is a third-party debt collection agency based in Dallas, Texas. They specialize in collecting outstanding debts on behalf of various creditors. Unfortunately, they have been the subject of multiple lawsuits over their debt collection tactics, including cases of phone harassment, threats, and other illegal practices. Their actions can negatively impact an individual’s credit history by reporting delinquent accounts to credit bureaus, which can harm a person’s credit score and financial standing.
Also read: Wakefield & Associates Phone Harassment
Nelson Cruz & Associates Contact Information:
9535 Forest Ln, Suite 114
Dallas, TX 75243-6129
(888) 757-3930
Illegal Debt Collection Tactics Used by Nelson Cruz & Associates Violating Fair Debt Collection Practices
Not all collection practices used by agencies like Nelson Cruz & Associates are illegal. However, several specific tactics cross the line and may violate the FDCPA. If NCA engages in any of the following behaviors, you may have a case against them:
Use of abusive or profane language: Any verbal abuse, including threats or profanity, is against the law.
Calling at inconvenient times: Debt collectors cannot legally contact you before 8:00 a.m. or after 9:00 p.m. unless you explicitly permit them to do so.
Repeated phone calls: Multiple calls in a day or over the course of a week can be considered harassment.
Sharing debt information with others: NCA is not allowed to disclose details of your debt to third parties, such as family, neighbors, or coworkers.
Contacting your workplace: Debt collectors can only contact you at your place of employment if your employer allows such communication.
Making threats of legal action: NCA cannot legally threaten to sue, garnish your wages, or take other legal action unless it has the legal right to do so.
Making threats of bank and wage garnishments without legal right: Threatening bank and wage garnishments without the legal authority is illegal. Understanding state and federal laws regarding garnishments can help protect you from such threats.
Accusing you of a crime: Accusing you of criminal activity due to unpaid debt is against the law.
Calling the wrong person repeatedly: Continually contacting someone who is not the debtor is a violation of the FDCPA.
Failing to inform you of your right to dispute the debt: Debt collectors must inform you of your rights, including your ability to dispute the debt.
Attempting to collect more than you legally owe: NCA cannot collect more than you legally owe.
If these tactics sound familiar, you may be a victim of Nelson Cruz & Associates debt collection harassment. Documenting every interaction, including phone numbers, times, and the nature of the communication, will help support your case should you pursue legal action.
Also read: Prince Parker & Associates Phone Harassment
Nelson Cruz & Associates Phone Numbers to Watch For
888-757-3930
888-395-8361
210-783-0632
430-775-7305
209-283-5022
If so, you’re likely being contacted by Nelson Cruz & Associates. Keep in mind that NCA may also use additional numbers not listed here. It’s essential to be vigilant about any suspicious phone calls. If you sense debt harassment, contact The Wood Law Firm immediately at +1 844-638-1122. Our legal team can help stop the calls and take action against NCA for any violations of the FDCPA.
Frequently Asked Questions About Nelson Cruz & Associates
Is Nelson Cruz & Associates a scam?
No, Nelson Cruz & Associates is a legitimate company. They have been in business for five years and are registered as a debt collection agency. However, they have received numerous complaints about aggressive tactics, sometimes leading to legal trouble.
Can Nelson Cruz & Associates garnish my wages?
Yes, Nelson Cruz & Associates can garnish your wages in certain circumstances. This can happen if you owe a federal student loan or if NCA obtains a judgment from the court that allows them to garnish your wages.
Can NCA sue me?
Yes, Nelson Cruz & Associates can sue you for the debt, but only if the statute of limitations has not expired. The statute of limitations varies by state and depends on the type of debt.
Can NCA report my debt to credit bureaus?
Yes, debt collectors like Nelson Cruz & Associates are allowed to report unpaid debts to credit bureaus. If the debt is not resolved, this can negatively impact your credit score. It is important to dispute any inaccuracies on your credit report with the credit bureau and ensure that any debt reported is validated. Understanding your rights and the procedures involved in addressing these issues can help protect your credit score.
Can NCA arrest me?
No, Nelson Cruz & Associates cannot have you arrested for unpaid debt. Debt collectors do not have the authority to issue arrest warrants. However, if you ignore a court order, such as an order to appear in court, a judge could issue a warrant for your arrest. Some states may also have laws that allow for arrest in cases of unpaid child support or traffic violations.
Also read: Collection Agency Harassment
Fair Debt Collection Practices
Nelson Cruz & Associates, as a debt collection agency, is bound by the Fair Debt Collection Practices Act (FDCPA) and other state and federal laws regulating debt collection practices. The FDCPA prohibits debt collectors from engaging in unfair, deceptive, or abusive practices when collecting debts. Some of the prohibited practices include:
Making false or misleading statements about the debt
Threatening to sue or take other action that is not intended to be taken
Contacting third parties to discuss the debt
Failing to provide validation of the debt
Failing to provide a written notice of the debt
If Nelson Cruz & Associates has engaged in any of these prohibited practices, you may be entitled to money damages and other relief.
Removing Nelson Cruz & Associates from Your Credit Report
If Nelson Cruz & Associates has reported a collection account on your credit report, you may be able to remove it by disputing the account with the credit reporting agencies. Here are the steps you can take:
Review your credit report to confirm that the information about Nelson Cruz & Associates is accurate
If the information is inaccurate, dispute the account with the credit reporting agencies
If the information is accurate but disputable, file a dispute with the credit reporting agencies and provide supporting documentation
If the credit reporting agencies fail to remove the account, consider seeking legal assistance
It’s also important to note that even if you pay the debt, Nelson Cruz & Associates may not remove the collection account from your credit report. In this case, you may need to negotiate a pay-for-delete agreement with the agency.
Can Nelson Cruz & Associates Sue Me?
While Nelson Cruz & Associates can sue you to collect a debt, it’s unlikely that they will do so. Debt collectors typically only sue consumers when the debt is large and the consumer has the ability to pay. However, if Nelson Cruz & Associates does sue you, you may be able to defend yourself by arguing that the debt is time-barred or that the agency has engaged in unfair or deceptive practices.
It’s also important to note that Nelson Cruz & Associates may not have the right to sue you if the debt is time-barred. In Arizona, the statute of limitations for debt collection is six years. If the debt is older than six years, Nelson Cruz & Associates may not be able to sue you to collect it.
Legal Action Against Nelson Cruz & Associates for Debt Collection Harassment
You can pursue legal action if you believe Nelson Cruz and Associates has violated your rights under the FDCPA. The FDCPA was established to protect consumers from abusive debt collection practices. If NCA has engaged in illegal tactics, you could be entitled to compensation, including statutory damages of up to $1,000, as well as attorney fees and court costs.
Also read: Simms Associates Phone Harassment
Sample Legal Cases Involving Nelson Cruz & Associates and Credit Report Issues
Over the past year, Nelson Cruz & Associates has been involved in several federal court cases due to its debt collection practices. Some of these cases include:
4:19-cv-00634 – Scott et al. v. Nelson Cruz & Associates
1:19-cv-00120-RLY-DLP – Clay v. Nelson Cruz & Associates
1:19-cv-01272-JMS-MPB – Spillman v. Nelson Cruz & Associates
2:18-cv-00330-GCS-CMV – Phillips v. Nelson Cruz & Associates
3:18-cv-00328-LAB-KSC – Arriaga v. Nelson Cruz & Associates
These cases serve as a reminder that consumers have successfully taken legal action against NCA. If you’re facing harassment, you may have grounds to file a similar case.
The Wood Law Firm: Your Ally Against Debt Collection Harassment
At The Wood Law Firm, we focus on helping individuals who debt collectors such as Nelson Cruz & Associates have harassed. Our legal team specializes in protecting consumers from abusive practices and helping them navigate the complexities of debt collection laws. With over a decade of experience, we have the expertise to assist you in taking action against illegal debt collection harassment.
We have earned an A+ rating from the Better Business Bureau for our dedication to helping clients protect their rights. Don’t let Nelson Cruz & Associates continue to harass you. Contact The Wood Law Firm at to discuss your options and start the process of stopping the harassment.
Also read: Williams Rush & Associates Debt Collection Harassment
Testimonials from Satisfied Clients
Here are just a few success stories from clients who have stopped Nelson Cruz & Associates harassment with our help:
“I was overwhelmed by constant calls from Nelson Cruz & Associates. After contacting The Wood Law Firm, they handled everything, and the calls stopped immediately. I’m so relieved!”
– A Grateful Client
“The Wood Law Firm was extremely professional and helped me understand my rights. They took action right away, and I received compensation for the harassment I endured from Nelson Cruz & Associates.”
– Another Happy Client
To learn more about how to safeguard yourself from Nelson Cruz & Associates debt collection harassment or to begin the process of stopping the calls, contact The Wood Law Firm at +1 844-638-1122. We’re here to help!
Click here to know more about how we fight for you.
Some Useful Links:
Texas Attorney General
Consumer Finance
