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Nelson Watson and Associates - Are they a good company to deal with?

Nelson Watson and Associates LLC is a pre-legal collection agency which claims to resolve debts out of the court in a professional manner. Many consumers have expressed their views about this company and have made certain complaints against them in the DebtCC forums.

What are the Nelson Watson and Associates complaints?

Unlike many other collection agencies, Nelson Watson & Associates has a good BBB rating. But consumers who have dealt with this company do have certain complaints against them. Given below are some of the reasons why some people think they are not a good company to deal with:

  • Calling the wrong person: A consumer complains that he received calls from this agency for debts his brother owed. The consumer told them repeatedly where and how they could contact his brother. But the agency just kept calling him for debts which he was never responsible for. Find more.
  • Rude behavior and scare tactics: A person claims that the representatives of this collection agency are very rude and use nasty scare tactics against consumers. The representatives are not friendly at all and they do not treat customers properly! Check this out.
  • Asking for employee information: A customer alleges that when he called Nelson Watson and Associates, the representative wanted to know about his employee information. The customer refused to share any information straightaway. Get the details on this.
  • Threatening legal action: Nelson Watson and Associates LLC are often accused of threatening customers with legal action. One such customer complains that the company threatened to take him to court even though he was willing to pay them off. Find out more.
  • Constant harassment: A disabled customer says he was constantly harassed by the collection agency for a debt. They threatened him over phone and even called his neighbors regarding the debt! Know more.

In case you need to contact Nelson Watson & Associates regarding a debt they want to collect from you, the following details can be helpful:

Nelson Watson & Associates address:

80, Merrimack Street (Lower Level),
Haverhill, MA 01830

Phone number: (978) 416-2100

Fax number: (978) 469-9046

Related Discussion
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Posts: 108
Credits: 2055.4

any one had to deal with them????

apparently they have my old capital one account that they say is at about 7K. The credit limit was onlu 4k.

Any suggestion on how to settle with them????

First of all see whether the debt claimed by Nelson Watson and Associates has past it's statute of limitation. Send a debt validation letter.

You can also go through the following thread to know them better: -
nelson and watson associates

Sub: #1 posted on Mon, 09/29/2008 - 23:24

phoenix phoenix
(Posts: 1444 | Credits: 275.38)

thanks Phoenix for the solution to Nelson Watson and Associates. can i send a DV without have the account number or the credit car number??

i'm off to talk to these people...will update you.

Sub: #2 posted on Tue, 09/30/2008 - 09:10

changetobedebtfree changetobedebtfree

(Posts: 108 | Credits: 20.55)


I gave Nelson Watson Associates LLC a call and spoke to a guy named Anthony. He gave be some information and was like they do not have the debt in their office anymore. But if i want to settle and take care of the debt that he can talk to his manger about getting my files back into their system.

I was like do what you have to do. He than needed my employee information and I refuse.

He told me okay, he will get back to be within 24 to 48 hours to inform me if he can get my account back into the office.

Do you guys think it's a Nelson Watson and Associates scam?! Why do i have to give up my employee information???

Sub: #3 posted on Tue, 09/30/2008 - 11:01

changetobedebtfree changetobedebtfree

(Posts: 108 | Credits: 20.55)

You don't need to give your employee information and why should you. Just send a debt validation letter. If they can validate then negotiate. Otherwise send a cease and desist letter to Nelson Watson and Associates.

Sub: #4 posted on Tue, 09/30/2008 - 20:02

phoenix phoenix
(Posts: 1444 | Credits: 275.38)

will do. he called me back yesterday at 3pm asking that i return his call by 5pm. I was unable to call Nelson Watson and Associates back to get information. I will call today during lunch to see what he has to say. After that, i will send the DV letter.

Sub: #5 posted on Wed, 10/01/2008 - 05:35

changetobedebtfree changetobedebtfree

(Posts: 108 | Credits: 20.55)

i called them today and Nelson Watson Associates say they no longer have my file in their office? what could this mean? do i call capital one and see where it is? could it move to a law office???oh no!!!!

Sub: #6 posted on Thu, 10/02/2008 - 19:52

changetobedebtfree changetobedebtfree

(Posts: 108 | Credits: 20.55)

Before contacting Capital One, please check whether the statute of limitation of the debt is over. If If it has passed its limit then you don't have to worry about the debt since no creditor can take take any action against you.

Now, when does the SOL start?

If the SOL has not expired then call Capital One and inquire about your debt and try to negotiate.
Source: -

Sub: #7 posted on Thu, 10/02/2008 - 22:18

phoenix phoenix
(Posts: 1444 | Credits: 275.38)

thanks, Phoenix...

is the SOL date the last time i made a payment on the account? If so, i'm not sure where i can find this information. Back then, I did not have a good track record in keeping up with my paperwork or bills :( All i know is the last time a payment on the account was sometime back in 2004.

Sub: #8 posted on Fri, 10/03/2008 - 05:02

changetobedebtfree changetobedebtfree

(Posts: 108 | Credits: 20.55)

Have you checked your credit report to see who is reporting this account? If not, I would do so right away. Those are the people who you should be contacting.

Sub: #9 posted on Fri, 10/03/2008 - 06:28


You can also find out when the last payment was made on this account, when you pull a copy of your credit report.

Sub: #10 posted on Sat, 10/04/2008 - 00:11


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