If Nelson Cruz & Associates is contacting you about a debt, it’s important to recognize when collection efforts become illegal harassment. Under the Fair Debt Collection Practices Act (FDCPA), repeated or excessive phone calls—such as multiple calls per day or calls at inconvenient hours—may violate federal law. Debt collectors are prohibited from threatening lawsuits, wage garnishmen... https://protectionforconsumers.com/facing-nelson-cruz-associates-debt-collection-harassment/