I received a call from them looking for the people who lived here in 2006.  I moved in 2008 and get calls every day from various people looking for them.  It appears they skipped out on everything they owed.  House should come with warnings on former resident!  This representative did listen and stated I would be removed from their list. I am hoping I will have at lease one less person calling everyday looking for them.

automated voice states Call 800-910-4578, again call 800-910-4578

I got a call from this number and there was only dead silence when I answered.  When I called back, it rang about 7 times and then the line went completely silent.  Very annoyed that a company can't speak if you are picking up the phone.

I just received a call from this number only a moment ago, however when I picked up there was no one there. They called my personal phone number. I have no debt as I have nothing to be in debt for....never had any credit cards or anything knowing I don't have enough money to pay them back, no outstanding medical bills and my mom takes care of the rest of the payments and uses her own cell for those.

No idea....

i got someone on the phone trying to collect for someone who's never lived here (and I've never heard of).  The company that owns this is Nelson Watson and Associates.

It seems like who ever created this debt somehow is associated with our phone # (which we've had for 18 years).  I keep asking each company to remove this number but they keep calling.  I'm not sure if there's just a pool of "old debt collection opportunities" that they use to generate revenue.

an automated voice gives a phone number to call back, when I call the number back it says wrong #

I saw on the caller ID that it was an '800' number before I answered. Some woman loudly said, "Hi!" as she was a long lost friend. For a couple seconds I was taken aback because of her greeting and lack of recognition of her voice. She then said in an overly cheerful voice, "Can I talk to .... (name of person I don't know)..." She must have thought she was clever in pretending to be a friend. However I recognized this name of the person they asked for as a person who must have many debt collection agencies after her. I don't know why or how they have my home phone connected with this woman. But - this "800" number tried to pretend to be a personal friend to get to this woman they're looking for.

I live in Los Angeles and just got an anonymous hang up from this #.
jerks.

http://www.consumerjustice.com/consumer/agencydetail.aspx?id=6208
Nelson, Watson & Associates  
88 Essex Street, Suite 7
Haverhill, Massachusetts, 1832

gnelson@nelsonwatson.com
www.nelsonwatson.com


--------------------------------------------------------------------------------
Phone No.  978-469-7979 978-478-0600 978-469-7979 800-764-2162 800-840-4786 800-868-6417 800- 910-4572  
Fax 978-469-9046  

  George H. Nelson, III, President Gregory J. Cerullo, Sr., GM
 
 

Notes
NOT a law firm. Student loans, junk debts.  

THE CORRECT WAY TO HANDLE COLLECTION CALLS AND ILLEGAL TACTICS

HANDLE IT CORRECTLY AND THEY WILL END UP PAYING YOU

READ DEALING WITH DEBT COLLECTORS, RECORDING CALLS AND STATUTE OF LIMITATIONS BY STATE

You can also post your questions here http://www.collectorsexposed.com/forum/   NEW URL!    

These links are to attorneys for those being scammed www.naca.net or http://www.consumerjustice.com/consumer/searchattorneys.aspx

Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

Dealing with Debt Collectors
Http://www.budhibbs.com/First.htm    
    
Statute of Limitations by State ? always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm

Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm


From Federal Trade Commission Website ? FAIR DEBT COLLECTION PRACTICES ACT
Debt Collection FAQs: A Guide for Consumers
If you?re behind in paying your bills, or a creditor?s records mistakenly make it appear that you are, a debt collector may be contacting you.
The Federal Trade Commission (FTC), the nation?s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.
Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.
Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn?t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they?re told (orally or in writing) that you?re not allowed to get calls there.

How can I stop a debt collector from contacting me?
If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter ? even if you don?t think you owe the debt, can?t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don?t want the collector to contact you again, tell the collector ? in writing ? to stop contacting you. Here?s how to do that:
Make a copy of your letter. Send the original by certified mail, and pay for a ?return receipt? so you?ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don?t have an attorney, a collector may contact other people ? but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written ?validation notice? telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don?t think you owe the money.

Can a debt collector keep contacting me if I don?t think I owe any money?
If you send the debt collector a letter stating that you don?t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.

What practices are off limits for debt collectors?
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
    use threats of violence or harm;
    publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
    use obscene or profane language; or
    repeatedly use the phone to annoy someone.

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
    falsely claim that they are attorneys or government representatives;
    falsely claim that you have committed a crime;
    falsely represent that they operate or work for a credit reporting company;
    misrepresent the amount you owe;
    indicate that papers they send you are legal forms if they aren?t; or
    indicate that papers they send to you aren?t legal forms if they are.

Debt collectors also are prohibited from saying that:
    you will be arrested if you don?t pay your debt;
    they?ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
    legal action will be taken against you, if doing so would be illegal or if they don?t intend to take the action.

Debt collectors may not:
    give false credit information about you to anyone, including a credit reporting company;
    send you anything that looks like an official document from a court or government agency if it isn?t; or
    use a false company name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:
    try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt ? or your state law ? allows the charge;
    deposit a post-dated check early;
    take or threaten to take your property unless it can be done legally; or
    contact you by postcard.

Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don?t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don?t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.
Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don?t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:
    Social Security Benefits
    Supplemental Security Income (SSI) Benefits
    Veterans? Benefits
    Civil Service and Federal Retirement and Disability Benefits
    Service Members? Pay
    Military Annuities and Survivors? Benefits
    Student Assistance
    Railroad Retirement Benefits
    Merchant Seamen Wages
    Longshoremen?s and Harbor Workers? Death and Disability Benefits
    Foreign Service Retirement and Disability Benefits
    Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
    Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can?t prove that you suffered actual damages. You also can be reimbursed for your attorney?s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector?s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General?s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General?s office can help you determine your rights under your state?s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government?s portal to financial education.
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad
February 2009

File complaints with

Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General
State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

If you or they are located in NY ? use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE?S CRACKING DOWN AND SHUTTING THEM DOWN!
    
Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies ? report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0

I received a message from this ph# several time, trying to collect a debt that wat non existantant! You should do as they say 1st ask for tax IS # which is 978-468-9046, Person I spoke with waas Kevin Then when you speake to any one please ask fore the last four digits of thier ss# as they do you< when they say NO! Hang Up They are a fraud! What do they have to hid, Simple, they want access to your info but refues to give any info about them. My next stop is to write the IRS and Ensure they are even a ligitamate company. Whice in the past I have found they hide under a law office name and are simply a frauid! BEWARE OF THESE PAOPLE! Look up missouri law or the law in the state in which you live you may and most likely find they are a fraud! Again if you can afford it but a tape recoreder from Radio Shack! Agai check state law, in missouri only one person needs to know the conversation is neing recorded, but by no means do not miss court date, as they most likely will and when you present your rude tape the Judge may fall your way and if not, well you where at a loss any how!!!!! Sorry about miss spelling, but you get the point!

I had my number changed due to one creditor.  No creditors should have this number at all, yet I just received a phone call.  I'm not in debt so I shouldn't have any calls from a collection agency!  I am VERY angry now.

Got three calls from them today.. two on house line one
on cell..
I never pick up an unknown number or one that does not give
a business name out nor do they leave a message

Voice message states they have an urgent matter to discuss and to call back but don't say who they are calling for or who the company is.  Several calls from number.

Receieved this call and no one was on the other end. I hung up.

hese people have called before believe we put them on the do not call list, My Attorney as written them many letters but to no availe they just switch companys

these people have called several times put on do not call list dont know who thye are always say last name wrong

the number belongs to Nelson Watson and Associates they have a long history of using harassment to get the debt dealt with, i urge you, if you are receiving constant calls from this company and are not the individual they are looking for, please call the Federal Trade Commission also The Attorney General of your state. leave as much information as you can as well, and if possible record the conversation, the more evidence stacked against this company the better

same here- dont know the person they keep calling for- dont know who they are but sure sound like a collection agency- i called them 3 times already saying i dont know this individual, the very next day they call me back- sometimes 2-3x daily!!! I have filed reports with numerous gov. agencies- this is harassment plain and simple- hopefully an attny will pick up the charges soon, the more people file formal complaints the more likely they will pick up a civil suit and shut the idiots down whoever they are- Im going to keep searching for info. on them and will return with any further updates. Apparently the idiots dont know what "no, this person does not live here and I dont know who they are" means...wont tell me who they are either..hmmm, i smell a lawsuit! whoever you are, listen up- your activities are illegal and you will get caught and get shut down- even if you are just a loser two-bit employee with a 6th grade education- ignorance is no excuse- you will go down too.

I DONT KNOW WHO THET ARE, WISH THEY WOULD STOP CALLING

I got a call from this number looking for someone I don't even know.  I asked them to take me off their call list and asked what company they were calling from.  The rep gave me his name (mr. so-and-so)and told me their company name didn't matter since I was not who they were looking for and therefore it was none of my business.  I reported them to the do not call registry.

I have received numerous calls from this number.  It is a collection agency looking for my dead beat brother.  I have told them many times that he does not live with me and have even told them how to contact him but they refuse to stop calling.  One of their moron, excuse me, rep's actually asked me why I won't take out a second mortgage to help my brother pay his debts.  How brazen is that?

I got a call from the above number and they asked for the guy who had my cell phone number before me.  It is a collection agency.  The guy who had my number aparrently ran up alot of bad debt.  I told them to take me off thier list and the incompetent fool uhhh I mean representitive said "well we dont want to keep calling the wrong number now do we dude" and that was it.

Same thing is continues to happen to me.

It left a message for me to return there call; i did and it went to music!

Asked caller to take me off there calling list and he just hung-up.