Nelson Cruz and Associates

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Is Nelson Cruz and Associates hurting your credit score?

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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?

Collections can hurt your credit score and remain on your credit report for up to seven years, regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(While debt collectors may not want this information to be widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

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. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

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

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Nelson Cruz and Associates

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • Nelson Cruz and Associates may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Nelson Cruz and Associates must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
  • Nelson Cruz and Associates cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Nelson Cruz and Associates From Your Credit Report Today!

Credit Saint can assist you in disputing Nelson Cruz and Associates collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.

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