You need to send them a certified, return receipt debt validation, cease and desist calling, or "not me" letter. You also need to report them to the proper agencies to which I have provided links to. Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment. If everyone did these three things, these crooks would be bankrupt and we would all be the richer for it.
NELSON, CRUZ AND ASSOCIATES
Posted in: http://800notes.com/Phone.aspx/1-888-395-8361
http://800notes.com/Phone.aspx/1-972-232-7453
Web site lists them in Texas: http://www.nelsoncruzandassociates.com/contact/
BBB gives them no rating with no complaints: http://www.bbb.org/dallas/business-reviews/at ... las-tx-90628764
The BBB lists them as attorneys, but a search of the Texas BAR Association brings up no results under the company name or under the individual names listed
This web site lists two of the head criminals: http://florida.intercreditreport.com/company/ ... lc-m15000009513
This one lists a third: http://www.corporationwiki.com/p/2g6jqi/freddie-riley
And some more of the crooks that work there: http://www.zoominfo.com/p/Anne-Smith/-1746892289
https://www.linkedin.com/in/kenneth-wallace-133631a8
Claims they are financial consultants and not debt collectors (false advertising): https://plus.google.com/113653164069202823057/about
Bizapedia lists this info for them:
Company Name: NELSON CRUZ & ASSOCIATES LLC
File Number: 0802025248
Filing State: Texas (TX)
Filing Status: Active
Filing Date: July 11, 2014
Company Age: 1 Year 5 Months
Registered Agent: Business Filings Incorporated
701 Brazos Street, Ste. 720
Austin, TX 78701
Principal Address: 701 Brazos St Ste 720
Austin, TX 78701-2556
Business Category: Other Public Sector
Business Location Type: Headquarters
Contact Information
Phone Number: (888) 395-8361
Fax Number: (972) 791-8762
Email Address:
[email protected]
Website: http://www.nelsoncruzandassociates.com
Other complaints:
http://badfinance.org/reviews/4374/nelson-cru ... debt-collection
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes. The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.
Read up on your rights here, get template letters to send and also make a complaint at this government site: http://www.consumerfinance.gov/
Also file a complaint with your State Attorney General's office.
List of State AG’s offices: http://consumerfraudreporting.org/stateattorneygenerallist.php
Also file a complaint here since they are claiming to be attorneys: https://www.texasbar.com/AM/Template.cfm?Sect ... ContentID=31917