What to do if Nelson Hirsch & Associates Inc calls you for old loan?

guest, i would recommend starting a new thread for this (if it was a payday loan, put it in the right thread).

I just received a call. First if Nelson Hirsch and Associates Inc. are legit they can't call your work if you tell them to stop. If they don't send you anything in writing it isn't a legal company. Payday companies have sold our information to these crooks and they bug you for money. If you pay them it is just money being thrown away. DON'T GIVE THEM ANY MONEY!!!! When I got the calls for people who couldn't speak English....I would tell them I was recording the conversation per the FBI so please continue to talk and tell me everything so I could turn them in. They would say they were going to arrest me and I would just laugh and say I hear the sirens...I'm scared. They would hang up. The calls will stop for awhile but start up again. Just ignore them the best you can but never never ever ever give them any money. They must provide you something via mail. And not there isn't a judgement or court on anyone...another lie!!

SOL in Texas is 4 years. Tell them to send it to you in writing and end the call.

I want to comment stating Nelson Hirsch and Associates Inc. is legitimate...I owed a payday loan back in 2004 and went through some ruff times when they called me..I remebered taking out the loan...They worked with me...gave me a settlement and I just paid it off... they sent me an email showing where it was paid off and they gave me confirmation of my payments. The reality of the matter is rather a collection agency or fraud division.. I knew I owed the money and I simply paid it. So thank you to the company for really working with me!!!!! Any questions respond

If they were so legitimate, why are they using bogus terms such as "fraud division"? They are a collection agency.....they do not employ fraud investigators as fraud is a criminal offense. Debts are civil.

To Melissa Gaskey

Remember how appreciative you are of Nelson Hirsch & Associates when they sell of the remainder of your debt and you start getting calls again!

besides all that, having a 'fraud division' is just a play on words designed to scare a person...the 'least sophisticated consumer'. I am betting this is borderline illegal as it implies a law office or some sort of law enforcement, which is how the average person would take it. It is just the same as some of these collectors calling themselves 'Inspector so and so' or 'Agent so and so'.

It is BS and I would be suspicious from the very get go just from that name.

I have spoke to these people several times. I am a retired Police officer who has not forgotten how to investigate either. I can find no way to contact them. They call you at work after beihg told not too and refuse to take my home information or give me anything in writing. I asked for their email address and they refuse to give me even that so that I can verifly that I am not getting screwed. They did imply that they are working for an attorney, they are not. Then they claim that they do legal placements. They do not. Does anyone have nelson hirsch & associates contact information? How do I find that?

Unfortunately some of these places are impossible to find. There is one really bad one that works out of a call center in India. They even spoof their phone number on caller id. If you have tried to no avail to get them to give you a name or address, turn the tables on them.

Remember that all these people want is to get paid by any means necessary. They will threaten everything under the sun, all in order to get you to pay them right then and there...that is one reason they won't give an address, even if you say you will mail a payment, because that will give people a chance to really think about it when they have calmed down.

Keep them on the phone as long as you can. Just talk to them. Talk about anything you can think of. When they threaten, laugh and just keep talking. If they are on the phone with someone who is obviously not intimidated, they will hang up quickly and will eventually stop because while you are shooting the breeze, they are not on the phone harassing some poor soul who will actually pay them. They will give up for the simple fact that you waste their time.

okay i know I do owe the money but my question is will this be taken off my credit report. And I did call them back right after she told me to go to Walmart and get a gift card to put the money on. I put $250.00 on the Walmart green dot card and gave them the information. Then I called them right back afterward from the number on my caller ID to make sure it was a really company. I told her I don't feel safe about it at all. She said everyone says that . But I never recieved that email. Do someone really know about this company

You pretty much just threw that money away. Check your balance immediately see if it has been taken out of that card. If not, go buy your groceries with it or something....and immediately call her back and tell you you are withdrawing your authorization that if they try to take the money out they will find the card empty. Tell her you first want the debt in writing and then you will be exercising your right to debt validation.

She may try to intimidate and tell you you committed fraud. Don't worry..you did not. By telling them you revoke authorization they have no leg to stand on, besides, she intimidated you into that payment without giving you your right to validate or dispute. That is illegal.

Even if you owe the money, you should NOT pay anyone who simply calls you and says you do. You want to make sure you have the right person! If after you get proper validation you want to go get a wal-mart card then go for it.

I just got a call from Nelson Hirsch and Associates Inc.. Giving me a legall id#51772 and a case#0100766367. So I would pay them 450.00 dollars. Which I did on my bank debit card. They are on facebook also.

Um. I would immediately call your bank and have them disable your debit card. Dont fall for the whole legal id or case number thing. They do it to scare you.

Again, immediately call you bank and disable your card so they cant take the money.

You have the right to see it in writing before paying it.

Quote:

I am soooo glad that I found all of this information before I called these people back...they left me a msg to have my Attorney call them to discuss a verbal statement for me or something to that effect. Thank you all!!!!

Lady referring herself as agent from the fraud division called looking for my mom who may be involved in a fraud case. I called my mom and my cousin also received the same call. The number she left to call her back is 678-593-2340. I will not contact this company. Just weird how she got my number and my cousins number.

More then likely it is not a fraud case, it is a bottom feeder collection company posing as agents trying to scare/scame money illegally. Have your mom send them a debt validation letter with a note to stop all telephone calls.

another point.i'm beginning to think that people like misable.(nice spelling by the way)to work for a bottomfeeder.need a lobotomy.any thoughts?

Nice try misable.

TROLL post to the 3rd Power...LMAO :lol:

LMFAAAO are you serious. This is the same clown as before. Please Mods you need a TROLL alert :roll:

i just couldn't keep them on here.deleted both.what an insult to everyone's intelligence.

LOL :lol:

Your always on it Paul :P

I was told my husband had a court case pending regarding a past payday loan, that if we did not pay it in a certain amount of time that he would go to jail. I was told if the payments could be made, one this week, one on the 21st, and the last one on June 17, that he would not be "charged" and go to jail, and that if the money was not on our debit card to pay the debt that the case (which is supposedly now "closed" since payment arrangements being made) would be reopened. First of all, the payday loan people took money out of his account back in 2004, I have record of this. Nelson, Hirsch, and Associates told me that was probably the bank fees being taken out due to NSFs. I told them no, I had the record of the payday company getting their money. Well, I am still being threatened with my husband being sent to jail if it is not paid in a certain amount of time, regardless of the fact he has cancer (as do I), and that neither of us have a job. How do I contact this company to tell them the payment arrangement is off? Or do I just not put money on the debit card?

Don 't put more money on it, and they are violating the FDCPA very badly. Do you have any documentation of these illegal activities of this CA? If so, sue them! You can get $1000 plus court costs and reasonable attorney fees. Go to the website of the National Association for Consumer Advocates to find an attorney. You can probably get one to work pro bono.

I spent the money on the card (number I had given to the person on the phone), tore the card up, and now have a new card in the works. I never did receive an email as I was told I would; I have an odd email address and asked the person to read it back to me and it was correct. I decided to take the bull by the horns and just let them try to call me again, I am ready to give them a piece of my mind (!) and let me tell you, with me having brain cancer, my spells come more often now, I only wish I had had a spell yesterday.

Well Grace, if I was you I would first get all my documents together. (like contract that you signed with payday loan company and bank statements) and see if you can retain an attorney sme of these CA do have the law on their side and would be able to sue you for this because the payday loan companys sometimes do actually have proof of all the activities you do. But CA can't tell you that your husband is going to jail because that's violating the FDCPA but they do record the conversations so your attorney cou;d probably get a record of this. I can't believe they said that! Are you sure they said your husband was going to jail?

threatening jail is the favorite threat of the bottomfeeder.

It stumped me when I was told that my husband faced jail because never before had either of us been threatened incarceration for not paying a bill. But, if it is recorded (I am sure it is) the word jail is mentioned twice in our conversation.

I did go through my paperwork this morning and found where the payday loan had actually been paid off, the very one these people are saying is owed! Not only was it paid off, I had two more bills from the payday loan company 2 and 3 years after it was paid off saying it was still owed, copies of mailings to them with the proof it had been paid and sent to them via return receipt mail - green card was still in the file. I contacted payday loans and have copied each and every piece of documentation I have to send to them, via return receipt mail to prove they got it, so I do not think we will be hearing from them anymore; I sent copies of the last two letters they sent me along with copies of the return receipt card, copy of the money order (I always keep copies of the entire money order not just the ticket).

how they contacted us was to call my husband's grandmother and tell her they were a doctor's office trying to verify an appointment for my husband! I am pretty pist about that because I keep track of all of my husband's appointments (along with mine) and none of the doctor's offices have my home phone, only my cell phone (which grandmother did not give these people). She asked me today if I had gotten back in touch with the doctor's office who called her to verify an appointment for my husband; when I asked her when they called and looked at her caller ID, who do you think was on there? Nelson, Hirsch, and Associates. I am about to have home phone cut off anyway, I can now get internet service without home phone service; my cell phone will only be given to those I give it to and I have instructed other family members that it is a private number.

I recieved a call from my x-husbands new wife that and Adrian called his siter (my x-sister-in-law) in california and told her that they were investigating a possible check fraud situation and to have me call the. I called the company and this person when I asked here to explain why she contact a third party and allude to the fact that I was involved in a type of Fraud. Started to yell at me (I taped the conversation) and tell me that I had listed this person on an application (I don't even know my x-sister-in-laws phone number ). I asked her to provide me a copy of this application and any information she refused. I asked her if she had alledged my involvement in fraud with a third party and she said that she said possible fraud. I advised her that she was in vilation of the FDCPA 804,806 and 807. She then told me that I didn't know my rights. When I tried to ask her to verify this debt in writting she hung up on me. I have filed a civil warrant in deb for the volation of the FDCPA Section 804,806 and 807 and I have asked for 3000.00 and court costs. I also reported this company to the FTC. I hope that others will do the same. Maybe they will stop using these bully tactics if we stand up for our rights.

I received a call from Nelson Hirsch today about a loan I took out in 2006, they want double the amount to pay it off and wanted proof of payment before even checking to see if the case could be rescinded. They said it was already processed and may not be able to stop it, but they would try to "help" me out. I believe I paid this off, but can't find my receipts, but theres no way I'm sending payment on something that I don't have in writing. They manager, Kevin, has called my cell several times today and is now leaving msgs saying that they have tried to "help" me, but I am not cooperating. Sounds like a scam to me.

I received a call from Nelson Hirsch today about a loan I took out in 2006, they want double the amount to pay it off and wanted proof of payment before even checking to see if the case could be rescinded. They said it was already processed and may not be able to stop it, but they would try to "help" me out. I believe I paid this off, but can't find my receipts, but theres no way I'm sending payment on something that I don't have in writing. They manager, Kevin, has called my cell several times today and is now leaving msgs saying that they have tried to "help" me, but I am not cooperating. Sounds like a scam to me.

File a complaint with the FCC, the FTC, and your State Attorney General.

ALERT LAW ENFORCEMENT ABOUT THIS COMPANY OR ATTORNEY GENERAL OFFICE ..THEY VIOLATES THE FDCPA LAW

ALERT LAW ENFORCEMENT ABOUT THIS COMPANY OR ATTORNEY GENERAL OFFICE ..THEY VIOLATES THE FDCPA LAW

I AM A POLICE OFFICER IN TEXAS I RESEARCH THIS COMPANY AND FOUND OUT IT IS OWN BY A TONYA SANTIAGO WHO HUSBAND EDDIE SANTIAGO HAS RECENTLY BEEN RELEASED FROM FEDERAL PRISON FOR DRUG CHARGES AND IS THE OPEATION MANAGER WITH THE COMPANY I WILL BE BUILDING A CIVIL LAWSUIT AGAINST THIS COMPANY AND IF ANY ONE WANTS TO GET IN ON IT PLEASE SAVE ALL VOICEMAILS STATING THEIR INTENTIONS AND THE FDCPA VIOLATIONS THEY LEAVE AND I WILL POST THE ATTORNEY IMFORMATION AT A LATER DATE

i am also in law enforcement and conducted a investigation on behalf of a family member and found that the owner is a tonya santiago who husband eddie santiago has just been released from federal prison on drug charges and is currently on parole if they are passing their self off as any legal or law enforcement agency he will be in violation of his parole if he knowingly know this is going on if he is the operation manager as a ebony underwood has stated to my family memeber i advise to keep all phone recordings as they will break fdcpa ..and forward vcm to attorney general office or hire a attorney and sue them they will pay $$$

I called them today, and could ot get any information. i repeatilly told them thaey are a scam and fraud. they are such a joke.

people,people.....if you have a debt, and a collection company call you..and the debt is valid..Why you dont pay? after all you where the one who request the money and you got the benefit of it ..you put your self in this mess to begin. if you paid what you borrow you will not be in trouble. unless you thing that money was giving to you for free....paid to them the same way you receive the money that, at that time you needed so badly know is your turn. GET OUT OF DEBT THE RIGHT WAY....PAY....

Guest, you would be more credible if you didn't spell like a 2 year old. Get lost!

Or, if you had a grasp of the English language.

Very rude & crude. Typical CA behavior.

I took a payday loan with Ace in 2007. They placed my loan with nelson, hirsch. Ace refused to work with me at all they wanted the balance in full. My husband had lost his job, and we were unable to pay it back. Nelson, Hirsch put us on a payment plan and is working with us to take care of the matter. Ace was very rude and nasty with us when we tried to resolve it with them. I am very grateful that this company has been very professional and kind with the whole thing. We had no problem getting a letter from them either. Thank you

I also was used by these people who say I owe a debt from 2005. Well I may but I told them my daughters passed away at that time and I don't remember much from that period but when I have extra money I will work with them. The second payment I made was with my mother's debit card and then a month later the balance was taken from her bank account without her knowledge or mine. She found it when she got her bank statement. i called and ask them to reverse it but they refused adn now I don't know what to do. If you have answers please let me know by replying on this blog.

Well, unfortunately, there isn't much you can do, other than sue them. But I honestly doubt you would win because it doesn't sound like you got a payment arrangement in writing. Unless, of course, the PDL is totally illegal in which case you could sue for a refund of everything above the principal.

i got a call from the same company and i told them i had an attorney. they asked me for my attorney name and number i gave it to them and i was thinking these GUYS are bold. however they contacted my attorney.my attorney contacted me back after receiving documents in regard of the pending fraud claim they said they had against me. to my surprise i found out that this was valid and by law they have the legal right to file these claims against me. he did end up negotiating me a really good pay off and directed me to the fact and question section of the various payday websites and type in what will happen if the loan was not repaid. hell i did that and was shocked like hell. this can be considered deposit of check fraud because when you take out a payday loan whether online or onsite you give them a chk to hold to make good until it is paid off if it bounces that can be considered fraud. i realize it now and will never ever do a payday loan or a title loan again this s**t can get you in some serious trouble. so for real and as bad as i hated to pay these people they had all their stuff together and had compiled all the correct info and as my attorney said had all the validations to go along with it and truthfully they did not violate any collection laws. so o can honestly say i had put several blogs on different sites when they first called me but after my attorney got involved and told me that had legal grounds i stopped. i was wrong. so if you owe it just try to pay it and go to that fact and question section of any payfay loan website and see for yourself what can happen you'll be surprised.........i was for sure. :D

Nope. You either got scammed by a gutter-level lawyer or your story is completely fictional.

Besides, asking a PDL who are infamous for bold LIES what PDL laws are is like asking a thief how much money you should give him and if he has change for a five.

shill spouting fiction gets my vote chrys.

I received the same call, but my question is how do we get them to stop calling my workplace?

They are not supposed to call you at work once you tell them they can't. Tell your boss that you have told them not to call. Log any calls, and sue them for the FDCPA violation.

If they don't stop when you ask them to (as they are required to) then they will stop after paying you $1000!