Who is Northland Group?
Northland Group, Inc. is a debt collection agency based in Edina, Minnesota. If their name appears on your credit report, it signifies that they have been assigned a debt that you haven’t paid and are now tasked with collecting it.
Who does Northland Group collect for?
Northland Group primarily services the financial sector. This means they collect debts on behalf of banks, credit card companies, loan providers, and other financial institutions. If you owe money to one of these types of entities and haven’t made a payment in a while, your debt may be handed over to Northland Group for collection.
Is Northland Group legit or a scam?
Despite the potential annoyance of their communication methods, Northland Group is not a scam. They are a legitimate company tasked with recovering unpaid debts.
How can I remove Northland Group from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Northland Group, Inc. Contact Information
Address:
Northland Group
7831 Glenroy Road Suite 250
Bloomington, MN 55438
Phone number: (800) 800-8191
Should I contact or pay Northland Group?
Before contacting a debt collector, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with a debt collector is to work with a credit repair professional. They help remove millions of negative items every year from companies like Northland Group, Inc. on behalf of their clients.
Will Northland Group, Inc. sue me or garnish my wages?
Northland Group, like other debt collection agencies, has the ability to sue you in court for an unpaid debt. If they decide to go this route and win the lawsuit, they could obtain a judgment from the court, which could potentially lead to wage garnishment or bank account levies.
However, it’s important to note that this is typically a last resort for a debt collector and there are several steps in the process before garnishment would occur. Not to mention, the exact rules around wage garnishment vary by state and type of debt.
Northland Group, Inc. Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you find yourself facing any of these situations with a debt collection agency, you should also consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by a debt collector.
Your Rights When Dealing with Northland Group, Inc.
Northland Group must abide by state and federal laws in the United States. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for Northland Group to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
- Northland Group cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Northland Group must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- Northland Group cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Northland Group From Your Credit Report Today!
Credit Saint offers assistance with disputing Northland Group accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
