Nelson Cruz & Associates LLC is a collection agency listed at 9535 Forest Lane in Dallas, Texas. We could not find an official website, so check any contact from it carefully.
- Type
- Collection agency
- Also known as
- Nelson Cruz & Associates LLC; Nelson Cruz and Associates, LLC
- Headquarters
- Dallas, TX
135 debt collection complaints were sent to the Consumer Financial Protection Bureau about Nelson Cruz & Associates LLC 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 Nelson Cruz & Associates?
Nelson Cruz & Associates LLC is a collection agency based in Dallas. Its BBB business profile lists it as a limited liability company at 9535 Forest Lane, Suite 114, Dallas, TX 75243, in business since July 11, 2014, with Fredrick Riley as its principal contact. We could not find an official company website, so this profile relies on public records.
The Texas Secretary of State keeps the surety bonds that third-party debt collectors must file to collect in Texas (Tex. Fin. Code § 392.101). Its records list bond filings for this company at the Forest Lane address dated July 24, 2017 and August 13, 2019. Bond status changes over time, so look up the current record yourself on the Secretary of State's site. We did not find a CFPB enforcement action against Nelson Cruz & Associates.
Why Nelson Cruz & Associates May Be Contacting You
The public records we found do not say which creditors the company works for or what kinds of debts it collects. If it has contacted you, the validation notice is your best source: it must name the original creditor and the current creditor. The BBB lists it as a collection agency rather than a law firm.
How to Check a Debt Nelson Cruz & Associates Says You Owe
- Insist on the written notice. Within five days of first contacting you, a collector must send the validation information: creditor, account number, itemized balance and your dispute deadline (15 U.S.C. § 1692g(a); 12 C.F.R. § 1006.34). See validation notices.
- Do not pay by phone on the strength of a call alone. Ask for the notice by mail and compare the creditor and account number with your own records.
- Call the original creditor to confirm it placed or sold the account and the balance it shows.
- Dispute in writing within the validation period if anything does not match, and ask for the name of the current owner (15 U.S.C. § 1692g(b)); see how to dispute.
- Check the dates. Texas generally gives four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states have different periods.
What Nelson Cruz & Associates Can and Can't Do
A company that collects consumer debts owed to others is a "debt collector" under 15 U.S.C. § 1692a(6). Texas adds its own debt collection law (Tex. Fin. Code ch. 392).
- It may not threaten arrest, jail or criminal charges over an unpaid consumer debt (15 U.S.C. § 1692e(4), (5)); see threats of arrest.
- It may not threaten to garnish your wages for an ordinary consumer debt in Texas, where that is generally not allowed (Tex. Const. art. XVI, § 28).
- It may not call more than seven times in seven days about one debt (12 C.F.R. § 1006.14(b)(2)).
- It must identify itself as a debt collector in its communications (15 U.S.C. § 1692e(11)).
To check whether a Texas collector is bonded, see licensing in Texas, and for help see our Texas FDCPA attorneys page.
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 Nelson Cruz & Associates 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: Nelson Cruz and Associates, LLC (Dallas, TX)
- Texas Secretary of State debt collector bond search (Nelson Cruz & Associates)
- CFPB enforcement actions search
- CFPB Consumer Complaint Database: Nelson Cruz & Associates LLC, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Nelson Cruz & Associates has violated any law. Company details change; tell us if something here is out of date.