Lately, I've been getting nonstop calls from a company called Nelson Cruz & Associates. They keep leaving voicemails saying I owe money, but they won't provide any proper documentation or explain who the original creditor is. It feels shady, and honestly, it's been stressing me out more than I'd like to admit. They even called my job once, which felt like a huge violation.
I started looking into them and found this article on Nelson Cruz & Associates debt collection harassment (https://protectionforconsumers.com/facing-nelson-cruz-associates-debt-collection-harassment/) that breaks down how to protect yourself. It helped a bit, but I'm still wondering if anyone else here has had experience with them. Did you actually owe the debt? Did they ever take legal action or was it just scare tactics?
Would really appreciate hearing what others have gone through with these guys. I'm hoping we can share info and maybe figure out the best way to deal with this kind of thing.