Who is Nelson Cruz and Associates?
Nelson Cruz and Associates is a debt collection agency based in Dallas, Texas. Their primary role is to collect unpaid debts that have been transferred or sold to them by the original creditor.
If you see Nelson Cruz and Associates listed on your credit report as a collection account, this could indicate an unpaid debt that has been assigned to this agency for collection.
Who does Nelson Cruz and Associates collect for?
Nelson Cruz and Associates specializes in debt recovery on behalf of original creditors. While the specific industries or types of debts they work with aren’t specified, their role generally involves the recovery of past due debts, which could range from unpaid credit card bills, medical bills, utility bills, or loans.
Is Nelson Cruz and Associates legit or a scam?
Nelson Cruz and Associates is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove Nelson Cruz and Associates from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Nelson Cruz and Associates Contact Information
Address:
Nelson Cruz and Associates
9535 Forest Lane, Suite 114
Dallas, TX 75243-6129
Phone number: (888) 757-3930
Should I contact or pay Nelson Cruz and Associates?
Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with Nelson Cruz and Associates is to work with a credit repair professional. They help remove millions of negative items every year from companies like Nelson Cruz and Associates on behalf of their clients.
Will Nelson Cruz and Associates sue me or garnish my wages?
Nelson Cruz and Associates, like many other debt collection agencies, has the potential to sue you for non-payment of a debt. If they decide to pursue this route and succeed in court, the court may issue a judgment against you. Depending on your state laws, this judgment could grant them the authority to garnish your wages or levy your bank account to recover the owed amount.
Remember, though, that legal action is usually a last resort for collection agencies. They generally prefer to negotiate a payment plan or a settlement directly with you.
Nelson Cruz and Associates Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Nelson Cruz and Associates
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for Nelson Cruz and Associates to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
- Nelson Cruz and Associates cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Nelson Cruz and Associates must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- Nelson Cruz and Associates cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Nelson Cruz and Associates From Your Credit Report Today!
Credit Saint offers assistance with disputing Nelson Cruz and Associates collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
