I’m dealing with a nightmare from a collector called Nelson Cruz & Associates. They are hounding me for a debt that seems really questionable. I sent them a request for debt validation within 30 days, asking for proof that they even own it or that it’s mine, but they just ignored it and keep calling multiple times a day.

The calls are starting to feel like harassment, with a lot of pressure and vague threats. I found this page that breaks down their specific tactics and legal troubles, which was eye-opening: https://protectionforconsumers.com/facing-nelson-cruz-associates-debt-collection-harassment/

Before I call a lawyer, I wanted to ask here: If a collector refuses to validate a debt, what’s the next step? Has anyone had luck filing complaints with regulators about these guys? Any advice is appreciated.

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