Diaz & Associates, Inc.: Who They Are and Your Rights

Type

Collection agency

Also known as

Diaz and Associates

Headquarters

Tustin, CA

47 debt collection complaints were sent to the Consumer Financial Protection Bureau about Diaz & Associates, Inc. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is Diaz & Associates, Inc.?

Diaz & Associates, Inc. is a collection agency at 17671 Irvine Blvd., Suite 212, in Tustin, California. Its Better Business Bureau profile lists it as a corporation that started and incorporated on July 31, 2006, in the collections agencies category, with Victor Diaz as president. A Texas Secretary of State record shows Diaz & Associates, Inc. filed a Texas debt collector surety bond on March 3, 2022, at the same Tustin address, and that bond is listed as active.

We could not find an official website for Diaz & Associates that would load. The BBB profile points to diazandassociates.us, but the site did not respond when we checked, so we have not listed it or any phone numbers here. Because we could not confirm which creditors it works for, or whether it also buys debts, this profile sticks to what public records show.

Why Diaz & Associates May Be Contacting You

We could not verify which companies place accounts with Diaz & Associates. Its first written notice must tell you, so read it closely. If you only got a phone call or voicemail, don't give out bank details or confirm personal information until you have a written notice that names the creditor and the amount. Ask the caller for the company's full name, mailing address and a reference number, then compare them with the Tustin address above.

How to Check a Debt Diaz & Associates Says You Owe

When you know little about a collector, the paperwork matters even more:

• Insist on the validation notice. Federal law requires the information in 15 U.S.C. § 1692g and Regulation F, 12 C.F.R. § 1006.34: the current creditor, the original creditor for consumer financial debts, the account number, an itemization, and a dispute deadline. Here is what to look for.
• Find the account in your own records. Look for the original loan agreement, statements, or bank records showing the last payment. If you've never heard of the creditor, say so in your dispute.
• Dispute in writing within the validation period and ask who owns the debt now. Collection must stop until verification is mailed. Our dispute guide has the details.
• Check whether the agency is licensed or bonded where you live. In Texas, third-party collectors must file a bond with the Secretary of State; see Texas licensing rules.
• Watch the age of the debt. In Texas, the general limit for debt suits is four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states use other limits.

What Diaz & Associates Can and Can't Do

An agency that collects debts owed to others is a "debt collector" under 15 U.S.C. § 1692a(6). If Diaz & Associates also bought a debt and collects it as its principal business, the FDCPA covers that too, even though Henson v. Santander (2017) held that owning a debt doesn't by itself make a company a collector. Either way:

• It can't threaten arrest, jail, or a lawsuit it doesn't plan to file (more on threats).
• It can't call more than seven times in seven days about one debt (12 C.F.R. § 1006.14(b)(2)).
• It can't tell family members, coworkers or your employer about the debt.
• It can't demand payment by a method that adds a fee unless the agreement or law allows it.

We did not find a CFPB enforcement action against Diaz & Associates, Inc. If a call from this company worried you, our Texas FDCPA attorneys can help you sort it out.

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Diaz & Associates, Inc. or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• BBB business profile: Diaz & Associates Inc (Tustin, CA), facts only
• Texas Secretary of State debt collector bond search (Diaz & Associates, Inc., file 20220035)
• CFPB enforcement actions search
• CFPB Consumer Complaint Database: Diaz & Associates, Inc., debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Diaz & Associates, Inc. has violated any law. Company details change; tell us if something here is out of date.