Nelson Hirsch and Associates

by Robeto
(New britain, CT)

I owe them about $800 thy told me they will take $600 over 2 months I can't afford that. I told them i can give them $ 100 a month and they refused.

After they spoke to my wife she asked them to send a letter to my address they refused only to sent an e-mail wanting to get my credit card number right away my wife said no.

They told us we have till 10 am the following day to contact them.

They called me a after 10am the following day and left a voice mail and made a threat to take action against me and my spouse. I feel like they crossed the line by making a threat to go after my wife how has nothing to do with this.

Comments for Nelson Hirsch and Associates

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Jun 01, 2010
your debt collection complaint
by: Gerri


A debt collector is not obligated to accept a payment smaller than the amount they are insisting upon receiving. However, there are several things that concern me in your complaint.

The debt collector is obligated under the federal Fair Debt Collection Practices Act to send you written confirmation of your debt within five business days of the debt collector?s initial phone call. It sounds like you did not receive that written notice, and it even sounded like your wife requested that and they refused. If you did not receive the written notice, and debt collector is able to locate you at your current address, then it may be breaking the law.

If your spouse is not a cosigner on your debt, the debt collector certainly should not be threatening her in any way. (However, I would also recommend she stopped talking to them altogether if she is not on this debt.)

I would suggest you do two things right away. First, please be sure to at least read the first chapter of Debt Collection Answers online for free. Next, you should talk with an attorney with experience in debt collection cases. If the debt collector did make an illegal threat, then you may be in a good position to fight back. You can either contact a local consumer law attorney with experience in debt collection cases, or call the Collection Complaint Hotline at 888-711-5183 for a free, confidential case evaluation.

Please let us know how this turns out for you.

Jul 30, 2010
Harrasment from Nelson Hirsch@ Assoc.
by: oddduck

We owe them $700.00 and I was told they would drop it to $520.00 but I had to come up with $200.00 on 7/31/2010 or they would turn me into the courts for check fraud. They also wanted $100.00 every two weeks after the $200.00 and after being laid off for a year that would not work with me all they did was leave nasty messages on the answering machine. I had agreed to pay them $100.00 a month until it was paid but they said "absolutely not" . The woman I talked even threatened to send us to jail. I offered to send a cashiers check , money order, money gram, she said no it had to be out of are checking account, I finally put it on a reload visa and she was not happy with that. But how can they threaten you when you are trying to pay on the account?

Jul 30, 2010
by: Gerri

oddduck -

As we mentioned, collectors are not obligated to accept whatever amount you can afford. But they are also not allowed to engage in abusive practices. I am concerned about the statement they made that they would have you "arrested for check fraud." That sounds like a potentially illegal statement to us.

We would strongly recommend you consult with a consumer law attorney who will help you understand whether this firm has violated the federal Fair Debt Collection Practices Act. You can either consult with a local consumer law attorney with experience in debt collection law, or call the Collection Complaint Hotline at 877-768-2694 for a free, confidential case evaluation with an attorney in your state. There is no fee unless you win your case.

Do let us know how this turns out.

May 03, 2011
by: Dawn

I started receiving calls and they are just asking for Dawn..rude to my husband and rude to me..threatening me with jail, fraud, etc...First of all I have never received anything from them in writing and they say its from a payday loan back in 2004 and its now 2011..never received anything from a payday loan stating I owed money. Giving me 10 days to pay..Pay what? They stated or else.........Asked to see it in mail or emails have been sent...........who do I call and complain to?

Reply from

That does sound like a payday loan debt collection scam. File a complaint with your attorney general and the Federal Trade Commission. Next time they call, tell them you will be recording the call. That may stop it.

Dec 14, 2011
by: Anonymous

Yep They said I owe them $920 for quick Payday that i got loaned in 2004. I told them I cannot afford to pay back and they said they willo sue me if I don't pay and I told them I can pay like $50 a month and they refused and told me They'll accepted $644 if I pay in 5 months installment from July 2011 to November 2011 so I paid it off and found out I got ripped off so there is nothing I can do and i lost $644 and let it begone!

Mar 06, 2012
No Written Notice Received
by: Anonymous

I received a phone call about a payday loan with a company I did do business with at one point, but have paid off. The firm calling is a law firm, they said they sent me a letter about the debt in January 2012, but I never received anything from them. They confirmed they have my correct address on file. It is possible they sent something, but our mail man has been delivering our neighbor's mail to us and we have not received ours on certain dates. I advised the woman on the phone that I don't feel the debt is valid, however she claims they will "proceed with collection efforts" if they don't get a payment arrangement from me tomorrow. I understand I have 30 days to dispute the debt, but if I didn't receive the letter, what are my rights?

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