nelson and watson associates

First, calm down. The more you read here, the more you will understand many collection agencies use the same tactics to collect the debt. They try to make you feel guilty, they accuse you of "refusing to pay", and accuse you of not wanting to work with them. This is a psychological tool they use to get you to be cooperative or at the lease, harass you until you can't stand it anymore.

Once you make sure this collection agency actually does own/have authority to collect your account, get any settlement/payment agreement in writing. They are required to give you a written statement of your account balance. If they want your money, they will also give you a written agreement for repayment terms. Without a written agreement, some collectors keep coming back to the well for more money.

the only thing that i have received from them is a reminder that they are going to withdraw the money from my bank account according to them my account was forward to them from midland credit management..i have never received a letter from them in writing about the agreement so, should i call them back and ask them for one? when i talked to them today we didnt end up on friendly terms. he keept telling me that i should try to get the money from friends and family and i told that if obviously i had that type of resources i wont be in this predictament...my only intention is to pay them but, they are being such jerks about it..they also, told me on a previous conversation that if i hadnt receive the money from my refund that it wouldnt be a problem pushing the day back for them to take the money out of my account..but now is a problem. and right now i feel like they are harrassing me when i have nothing but, the best intentions to clear my debt.

At this point, you must be confirmed about the fact that when you pay them, where is your money getting posted? Are they the ones authorized to collect on your account? Read the FDCPA laws and know your legal rights as a consumer. The debt validation law exists just to identify an authorized collector from a shady one.

Send one debt validation letter asking for the info. They can't take you to the court before they prove their authorization to collect on your account.

Check with Midland Credit Management if they have already posted your previous payment.

Nelson & Watson contacted me last week saying that I owed the $2400 for an old Captial One card that I had. They kept sending the mail to my parents house that I haven't lived at in 10 years. They were also leaving messages at my parents house. That is when I called them back. He started the same tactic, 'pay now or a judgement will be against you, this will ruin your credit for 20 years, etc'. Well if he looked at my credit he would see that really doesn't matter.

Anyways, I gave him my current address and told him that he need to send me something in writing that I owed the balance. He refused saying that they have sent me enough and sending another letter would be a waste of their time he would rather see the judgement come against me.

How should I handle this now. Funny thing is, after I gave him the correct address, 3 days later a letter came to my parents house, which live in another state, about the debt. My credit reports reflect my current address. Should I send a validation letter? And if I do how long do they have to respond to that? Should it e certified so I know they get it? BTW I'm in FL. Thanks for the help.

Lisa

You have a couple of options. First is a validation letter. Send it certified mail, return receipt requested, so you have proof that you sent it and they received it. Once they've received it, they are not permitted to take any further action against you unless and until they validate the debt. Don't be surprised if you never hear from them again. Most collection agencies don't validate even on "fresh" debts, let alone debts as old as this one. (Alternatively, you can also just send them a letter ordering them to cease all communication with you, and with anyone else, about the debt.)

More importantly, though, the collector's comments may have constituted a violation of the fdcpa. They can't threaten legal action unless it's a sincere threat, and while the FDCPA doesn't say anything specifically about threats of "your credit being ruined for twenty years", that's a total load of horse poopy. Nothing negative stays on your credit report for twenty years. Bad debts drop off after seven, and even bankruptcy comes off after ten. This comment from him might (although I'm not sure) be an FDCPA violation.

Well to add a twist to this whole thing with Nelson Watson, the guy told me that they were attorneys and they are not and also him stating the damaging my credit statement is a violation of fdcpa. Janet from Superior Debt Services said that I need to file a complaint with the BBB, which this DC has complaints already, and also with the Attorney General of MA. I just did the BBB since you can do it online but with the Att. Gen are there certin guidelines that I need to follow or anything? Also I already sent out the validation letter (certified) yesterday, will this efect all that.

Axe the comment above. I just found out that I can file Nelson Watson and Associates complaints online with the Att. Gen.

So as I stated before I filed a complaint with the BBB in MA regarding Nelson, Watson and Assoc. They actually responded to the complaint and this is what they responded:

[quote]Response Date: 02/15/2007

Problem Adjusted: Yes

Adjustment Type: Full Adjustment

Problem Will Be Adjusted by: 02/15/2007

Response Details: We have reviewed the call with all parties involved. The consumer was very adversarial from the start of the call. The collector clearly identified himself from the ???????pre-legal??????? department, which it is. The consumer did not believe that it is our job to to recommend legal action to the network of attorneys which we represent, if we can not resolve the bill. They in turn sue on a significant # of cases. The consumer did not care and offered $10.00 per month, which is outside of the parameters we are able to select. The consumer also did not ask for substantiation of the bill, instead telling us that she was going to check with another collection agency to see if they had the account and call us back in a few days. It should be noted the consumer changed addresses and made no attempt to contact our client. We will cease all collection activity and recommend to our client that pursue legally to resolve. [/quote]
What I put in bold is a crock of poop. As I put in my post above, I gave them my current address and told them they need to send me validation of the debt (which I have done now by certified mail) and I would look into it and get back with them. Since then I found this site and sent the validation letter to them. I'm assuming that I will probably received a summons to go to court now since thier client is Capital One.

Should I just sit back and wait to see if they validate the debt or contact them?

there are many client like cap one that DO pursue legaly if that if the case a collector like me can tell you that if you dont pay its a damn good chance you get the shyt sued out of you you can lose you home and up to 33% of wages in some states, the s.o.l can last 18 years on some states and if you ever made the inclination of payment in some debts this restarts it, so yea a negative mark can be on you credit for 50 years at this point you are not even a CONSUMER you are a DEBTOR our clients are the ones who pay us, NWA has one of the HIGHEST service records and will fire teh shyt out of you if you lie, o and did i mention 30 days after they send that letter to any f**kin address they belive to accurate that debt is secured in full there is no validation if they do validate they can tell you the full balance is due at that time and bring you to court as soon as the court is shown a bill THERE IS NO DISPUTE you will lose everything and they get paid, there not the bad guys think about it there just doin there job you would never get a call IF YOU PAID IN THE FIRST PLACE not paying on a 4 year old bill seems normal for you its not our a god damn theif and a lier and deserve to go to hell

you kiss your momma with that mouth??? And people like you wonder why no one wants to be their friend....

if you look through the cursing i think hes trying to comunicate with us

yeah, well his communication is filled with errors, cursing or not. For example, I am a licensed bail enforcement agent. CA's have skip tracing departments. Why is it that a CA cannot ever locate a persons publicly available correct address, but I can, and usually do so within five minutes? The whole "believed to be a good address" bit is garbage--many states have laws that require a "Reasonable effort to locate". Simply sending mail to an old address is not a reasonable effort. It is a copout--a way to try to get a default judgment illegally and unfairly.

Moving right along, the "THERE IS NO DISPUTE" is also crap. I dont care if the debt is 20 years old, and well past that 30 day period, when you take someone to court, you MUST prove your end. If not, any attorney worth his law degree will file motion to dismiss on the grounds that the plaintiff has not met its obligation to establish validity of the debt. Case dismissed! It happens all the time! The burden of proof does not simply go away because of a date on a calendar, people.....

And finally....you would never get a call IF YOU PAID IN THE FIRST PLACE...

Have you looked around this forum? There are more than a few people who are being hounded or have been harassed by collectors either by mistake or fraudulently! THEY DIDNT SKIP THEIR BILLS....but they still get called anyways. I would know--I am one of them. To this day, I am still trying to figure out exactly how I could have purchased a house on the east coast, in a state I never even lived in, at a time when I lived at my current address down south.....and then, when that house was foreclosed upon, they entered it on my credit report.....but gee, "if only I paid the bills on time".....right??

well im my time most CA's use credit reports and lexis nexis to find up-to-date addresses and in his defence then can and often are out of date. the 30 day period is just you agreeing to the debt if brought to court and showed the documents with your signature there no sob story the court will take besides payment.

yes, I agree....IF DOCUMENTATION IS PROPERLY PROVIDED. When people ask for validation, the request so often goes unanswered. Want proof?? Why are there so many junk buyers in collections today?? They buy the debts that other collectors could not validate!! IF THEY HAD PROPER VALIDATION, NONE OF THIS WOULD BE AN ISSUE....would it? But many of them dont....and again, that obligation falls upon the collector, regardless of whether that 30 days has passed or not! I noticed that you didnt address much of what was said, I thought you came here to answer questions and help?

As for credit reports, they arent nearly as out of date as you would like to claim here. Any time that someone makes an entry on your credit file, the new address info is included. So, you have a debt from five years ago...but you bought a car three months ago. That car loan shows up on your credit report, and the section of that report that contains your info, like addresses past and current, becomes the answer....doesnt it?

im simply stating that it happens to me DAILY but then again i deal mostly in student loans and there wouldnt be long credit historys would there and what with the moving arounf alot youll be lucky to get mom and dads addy. you hunt people who owe money and skip out you collect a percentage when you catch them no? no so different you and i

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.

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

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.

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.

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..

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,

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?

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.

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?

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

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?

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)

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.

Personal attacks are not permitted here. - Uncle Wulf

Quote:

Hi,

I receved a letter from Nelson, Watson a month ago. They left me a massage to call them. I did call them and they told me they can settle my acct for 75c per$. I told them I don't have the money, but they gave me 24hr for the offer, otherwise theywill sue me. What shoul I do?

send them a debt validation letter asap.. they are just trying to scare you.

iam dealing with Nelson and watson,i had to close my account, because this women supervisor threated to debit my whole account, i owe 4200,at first it was over changing my payment from one fri to the next fri, i agree, then got transfered to this witch,sorry, very very mean,brought up extra payment of $80, plus the interest word popped up, i was working in a very hot llv postal vec,it was 90 plus outside, she wanted a answer, i asked very nicly if we could have this talk when i was home, again very mean,"why cant you give me a yes or no",and few days later i would talk to Gary, he backed her up,and was rude, mean , and very threating as well, so now i send them certified cashier check, no more electronic them controling my money every two weeks, anybody else had to do this?

I just got a call from them reguarding my account. I tried to set up a payment plan with them because I do owe the debt and want to take care of it. The person I talked to explaned how they were an Attorneys office and don't take payment plans. They wanted an outragous amount of money to keep from going to court. Also I get called 5 times a day by them with threatning voice mails about how they are going to take me to court if I don't call them back. They are violating so many of my rights it's not funny. Don't deal with this company, get a lawyer!

I have been dealing with this company for the last two weeks and their threatening phones and tactics. First just like everyone else i wanted proof they had my account they said if they did that then it would go to a lawsuit as i am disputing oweing the debit. I felt threatened at first so i tried to play their game but after making rude comments and being very unprofessional i contacted the old credit card company i orginally owed. They told me they sold the account and gave me that companies name and phone number.

I contacted that company (which was very profressional) Which was Sherman Finacial who hired Nelson Watson and Associates to help collect the debit. They informed me that i could send them a voluntary payment each month but that they don't send out a statement each month. They said i could send Nelson Watson and Associates a cease and assist letter so that they would stop calling me. The lady i spoke with was very nice and helpful and wasn't happy about her company using Nelson Watson and Associates as they are very rude.

So to anyone else call the company whom you orginally owed the debt to they will tell you who they sold the accont to. That company will work with you and you don't have to pay the full amount or be affraid of further legal action as i understood it from the company i actually owe who hired them, they can't actually take you to court only the company that you owe can. I'm glad im not alone in dealing with these people they are horriable.