PA-28 Cherokee/Archer/Dakota/Pillan/Warrior
Flight Crew Multiengine; Flight Crew Air Transport Pilot (ATP); Flight Crew Flight Instructor; Flight Crew Instrument
Flight Crew Last 90 Days 12; Flight Crew Total 6900; Flight Crew Type 3500
Situational Awareness; Time Pressure
Conflict NMAC
General None Reported / Taken
Human Factors; Airspace Structure
In descent for visual to ZZZ on IFR flight plan from 3;000 feet. ATC cleared for visual and reported traffic. Did not see traffic until it approached from my nine o'clock; passed under me 250 feet below. [There were] 3 different radio frequencies in use. Aircraft departing ZZZ use 122.9 then switch to 132.775 until clear of [TFR]. IFR traffic use either 124.55 or 119.7 until cleared for local frequency 122.9. Other aircraft would have departed ZZZ on [a southeast] heading then turn east in climb towards my position. I had no time for evasive action once I spotted other aircraft. I had lights on and wing and tail strobes flashing.
PA28 pilot reported an NMAC with traffic that ATC had reported.