If Nelson Cruz & Associates is attempting to collect a debt, recognizing illegal collection tactics can help protect you. Multiple calls per day, early morning calls, or late-night calls may be considered harassment under federal law. Debt collectors are forbidden from threatening lawsuits, wage garnishment, or arrest unless those actions are lawful and genuinely intended. You also have the right to receive a written validation notice within five days of first contact. Failure to provide this notice could violate your FDCPA rights. Collectors must stop contacting you at work once you request it. They cannot disclose details of your debt to family members, friends, or coworkers. Any abusive, rude, or intimidating behavior, including profanity, is illegal and may entitle you to compensation. You don’t have to tolerate unlawful debt collection tactics.
✅ Take Action Now: https://protectionforconsumers.com/facing-nelson-cruz-associates-debt-collection-harassment/