nelson and watson associates

no, I hunt people that skip out on court. I dont go after people who owe money. I go after criminals that dont show up for their court date. Slight difference...

Credit history length isnt the issue as much. For one thing, more and more people are going to school at an older age today, so in effect you will have a lot of longer histories. Second, organizations like Sallie Mae like to keep their files updated, supposed to be about every six months or so. Now, I know it isnt always that way, but I have hunted down illegals who are in this country without any documentation trail to follow....and I still found them. So I know there is an easier, more accurate answer than what CA's often pass off as reasonable. you and I both know this. We see people on this forum that havent lived at the address in over 10 years! In another state!! but they still dont bother. You and I both know that if CAs REALLY wanted to find the debtors, they would find a whole lot more of them than they do. In many cases, not finding the debtor means default judgment attempt...and be honest, to most CA's thats as good as they can expect.

thats only cause some CA's wont foot the bill find one thats been around for a long time and well established and they want to collect as much money as possible esspecially if they have a lit office like mine. i dont deal with federal secured loans like sally mae just prvt the ones that NEED to be paid in order to recive your deploma. theres no point in sueing a collage student at 22, but at thing point there parents usually bail then out with a new loan paying in full and ending up with much better credit

Ok Skydiver, you can add to this to the list, I "NEVER" lived at the address where my summons was sent! If you remember it's my mil's address, I'm in another state.

Just for the record, I answered the summons, gave them my correct address. I got the green cards back and to date, nothing has come back.

I torment myself each day wondering how the hey they got that address and now what is going to happen.

It amazes me how they can just walk into a court get a summons send it to an address with all they're legal mambo jumbo and say they are correct! With me, I truly believe that they were hoping for a default judgement.

The first post is correct about Nelson Watson. The fdcpa clearly states they cannot harass you, they can't even raise thier voice to you. They can't call at unusual times. They MUST identify who they are, the nature of the call and read you your mini Miranda rights up front - no exceptions! They are a third party collection agency who has jacked up the rate of the original debt and that's why they don't want to validate, and they probably can't valiidate the debt anyway because they bought the debt for pennies on the dollar and don't have that information! They can't threaten you with legal action unless they intend to do so and the motion must be filed within 30 days of contact with you if they threaten you. They may be trying to collect on a debt that you already paid in full. The fact that they can't or won't validate the debt proves they aren't even sure if you owe the debt. Nelson watson has a tactic of Abusing people into paying the debt and is clearly against the law. Each violation is worth up to $1000 and most times they will lose. I am sueing them for at least 7 violations right now, including putting words in my mouth to make me feel bad, calling me excessively, not relinquishing the original creditor information to me. There is more, But You don't even know if they are who they say they are to start with and more importantly you have the right to pay the original debtor for the amount originally owed.
Get an attorney, have them send NWA a C&D and pursue out of court settlemment on your behalf. Nelson Watson and Assc. have wronged you Latina. Check the many other web forums about thier tactics and you will see they have a bad reputation and are not to be trusted!!!!!

I keep getting calls from these people regarding my son who does not live with us and finally called them back today. I told them he does not live here and she kept asking if I were his parent. Of course she couldn't share any info with me, so I told her it was none of her business if I was related to him. She said he listed our # as a contact which is impossible because we have moved to a new address with a new phone # and he has never lived with us at this address. I then finished the call by telling her to mark our # as a wrong # and to not call here again. Is there any problem if I say he's dead if they call back again? If they do call back, I will pursue legal action.

Theo

Who are they?
If you know the name somebody on this site can give you an address to which you send a letter, Certified Mail, Return Receipt, (CMRR) stating your phone number and saying that the person that they are calling does not live there and they are to stop calling or you will sue.

Also advise your son of this continued calls and have him send a debt validation letter (CMRR) to them stating that they are to limit there communication to written form only. Then if they call again he can sue for violation of the law.

this collection service has been bothering me to . i told them where to kiss off. i do plan on suing them just for their rudeness and treats . hope others plan on doing the same

this collection service has been bothering me to . i told them where to kiss off. i do plan on suing them just for their rudeness and treats . hope others plan on doing the same

this agency was the source of my capital one thread - they;re so awful, i dont know what to do. they said i agreed to pay in full when i didn't (they put it in writing actually..), they say it's real serious because I am going to have a judgement, they screamed at me, calling my work ten min after i told them not to, etc. i am writing a letter later tonight and mailing it certified again to those creeps.

From what I have seen, they will not usually file lawsuits against you. They are bullies and thats about it. I ignored them when they sent me letters cause at the time I didn't know the laws so I just threw them away. eventually they sold it to another company. The debt by the way was not mine and is still being faught with the collector that has it now.

see, that's why i want it validated - i read up on these crazy CAs and I get scared to give them info. Like I was stupid enough (before this board!) to give one of them my banking info but luckily closed the account. I am so glad this board opened my eyes.

I am a disable person with a terminal illness. Nelson, Watson and Assoc. keep harrassing me for a debt on a Capital One card I had years ago. They threaten me on the phone, but they never send me any literature. What does it mean to have them Validate a debt? They call my phone, without leaving messages, and even have called neighbors of mine (without me giving their phone numbers out) and tell them they are searching for me to collect a debt. Isn't that illegal? I do not have the means to pay this debt that (I have been disputing for years). Any suggestions? This is weighing on my health and whatever time I have to live, I don't want to be harrassed constantly by Nelson Watson and Assoc. Thanks.

Jaymo, to Validate means they have to prove that they own the debt and have the right to collect it, they also have to provide you with the original contract. you can find a very good DV letter and a cease and desist letter on this site. Send them both by Certified Mail Return Receipt Requested. This should stop them from contacting you and your neighbors. If it doesn't, file suit against them. Some else will be along and help you more than I can.

Jaymo, What state do you live in? If you are from Massachusetts or some other states, you are judgment proof. There are incomes that are exempt and they can't touch it. Some would be unemployment, SSI, SSDI, EAEDC.

Thanks for the info. I live in California. N,W and Assoc. just called me again (they never used the same 800 number) and since I am disabled, I almost fell down trying to get to the phone. I saw the 800 number and called it back and they started shouting at me when I asked them to stop calling me. They said that I called them. I have a mother who is dying, so I returned the called thinking it might have been her doctor who is long distance. I am on SSDI and I cannot afford an attorney, and this is depressing me. I am worried about my health. I will look for the cease and desist leter and send it to them (if I know where to send it).

Where do I find the cease and desist letter? And, when I find it, how do I find out where to send it (N,W & Assoc) and the details? Sorry for asking these question, but since I am a neuro cancer patient, my memory is not like it once was.