ONE BOOK THAT I REALLY RECOMMEND AND HELPED ME ALOT IS FROM MR JOHN TRUDEAU "debt cures" ANYONE WHO READS IT WILL KNOW HOW TO DEAL WITH ALL OF THESE SITUATIONS

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They are rude, and they use scare tactics on you. They are like any other debt agency that needs to get paid and collect. They are not friendly and treat you like a criminal, however, they seem more gangster than the person they are calling.
Contact your lawyer and have NWA call your lawyer, they will leave you alone. If you read the comment by NWA collector,it appears as if he just passed third grade with his vocabulary and writing skills. So remember, you have rights, they will make you think you don't !! NWA is all over the net, and it doesnt have any good reviews about the staff or people.

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when i kept complaining they locked my account so only higher ups would deal with me. heh, it worked though, they knew i was serious and knew the laws.

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__________________
I'm not as fed up anymore.. making extra money http://www.needbetterdays.blogspot.com

So, Today I get a letter in the mail and it is from another collection agency. They are telling me that I have a debt that is owed in the amount of 700.00 for a cingular account that I used to have. I closed that account and when I did the lady told me that I have nothing due. So almost a year later cingular starts harrasing me at work telling me that I need to pay this. I told them that these charges are valid and I am not going to pay them. They did not tell me that I need to send a note in or anything. Two years go by and I have not recieved one note and now I have this other collection agency calling me telling me that I owe it. Nelson watson and associate was one of the collection agencys that handled my account before. I have never recieved a note from them WHAT-SO-EVER. Not a phone call nothing. Now because I failed to call them unbenounced to me, they are telling me there is nothing that I can do and it is going to be on my credit report forever.

Is this true..?? Is there anything that I can do.. I was going to write them a validation of debt note to this collection agency that is trying to get money from me now.. Is that a smart thing to do..

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You can dispute it with your credit reports.
Send the collection agency a DV letter, who is it btw? is it still NW&A?

Format this to your needs, send it certified return receipt requested. Color photocopy the green card filled out before you send it and save a copy for yourself. This way you have proof with the tracking number before it was signed for and after. you could even copy it on the last page of the DV letter before you print it up just to make it even better.

Here you go...

Your Name
Your Address
CITY/Town, STATE ZIPCODE

Date: March 9, 2005



Collection Agency Name
Address
CITY/Town, STATE ZIPCODE

Re: Acct Ref. # XXXXX and XXXXX

To Whom It May Concern:

This letter is being sent to you in response to a alleged debt. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you
.
What I need you to provide as the debt validation is as follows:
1. What the money you say I owe is for;
2. Explain and show me how you calculated what you say I owe;
3. Provide me with copies of any papers that show I agreed to pay what you say I owe;
4. Provide a verification or copy of any judgment if applicable;
5. Identify the original creditor;
6. Prove the Statute of Limitations has not expired on this account
7. Show me that you are licensed to collect in my state
8. Provide me with your license numbers and Registered Agent
9. Proof that the collection company owns the debt/or has been assigned the debt. (You are legally entitled to collect this particular debt from me.) This is basic contract law.
10. Complete payment history, starting with the original creditor. (I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt and how you/they determined these fees.) This requirement was established by the case Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber, USCA-02-C-0072, 7th Circuit Court, Sept 2004..
11. Copy of the original signed loan agreement or credit card application. (My contract with the original creditor establishing the debt between us.) This is also basic contract law.

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau's (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent

I will not hesitate in bringing legal action against you for the following:
1. Violation of the Fair Credit Reporting Act
2. Violation of the Fair Debt Collection Practices Act
3. Defamation of Character

If your offices are able to provide the proper documentation as requested in the following declaration, I will require at least 30 days investigating this information and during such time all collection activity must cease and desist.

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

It would be advisable that you assure that your records are in order before I am forced to take legal action.



Best Regards,

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I receive about four calls a week from Nelson, Watson and Associates. They are looking from my dead beat brother. How they obtained my unlisted phone number is beyond me but that's a mute point now. I have told these idiots many many times where and how they can contact my brother but they still call. They refuse to cease and desist and at times they are quite rude. How does one stop this madness?

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Call them and demand to speak to a supervisor. Tell them the person they are looking for is not at your phone number and to remove your number from their database. That might help.

They use an auto dialer and have called my phone for a person I didn't know. It took 2 times and they finally got it removed from their database.

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I just received a call from NW&A which is now called Nelson and Watson Industries. I have never received a call from them but apparently they have been calling me for some time now. Natasha the associate said if I don't call by tomorrow night June 4th 2009 she will have to give me a recommendation. What does that mean?

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Typical CA BS to make the "least sophisticated consumer" beleive that they are considering legal action. More details please.

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I had obtained a payday loan over the internet 4 years ago and they called me yesterday stating that they are going to take me to court for fraud. Can they actually do that?

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nelson watson called you for a payday loan? they collected on me for capital one and actually validated so they are legit (though have some shady tactics)

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__________________
I'm not as fed up anymore.. making extra money http://www.needbetterdays.blogspot.com

I had just under $13,000 owed from a Bank of America account. They called every so often left typical messages. Once I started to get my act together I called them to offer $4,000 to settle and they gave me a hard time with a couple different people but basically saying no way to that offer.

So then I didn't want to call them anymore. I ended up sending them a letter offering to settle for 50% paid over 6 months since I didn't have more than $4,000 I offered. They accepted that and I just made my last payment this month.

This turned out to be good timing for me as a month after I came to the agreement with Nelson a local collection law firm send me a letter trying to collect. I sent them a DV and included my agreement with Nelson and that is the last I heard from them. Good chance I would have been sued by the local firm.

I also know the amounts were coming off my balance on the original account as my credit files were being updated each month showing the payment. So in that sense they are legit. Just kind of jerks like most CA's.

In a couple weeks I'm going to send them a request to send me a letter stating all my payments were received as agreed. So I'm happy now that this account is now done.

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Personal attacks are not permitted here. - Uncle Wulf

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