What is Northland Group?
Founded in 1982, Northland Group, Inc. is a debt solicitation representation based in Edina, MN. 1 They specialize in collecting debt for student lend providers, debt buyers, and national credit grantors .
In 2008, the ship’s company was bought by Mason Wells, a private fairness firm in Milwaukee. 2 In 2014, Northland Group, Inc. acquired the collection occupation Accounts Receivable Management, Inc. ( ARM ) to offer first-party collections, early-out collections, and recovery solutions. 3
In 2017, Northland Group merged with Radius Global Solutions LLC ( RGS ), and they now operate as a clientele unit of RGS. 4
Who does Northland Group collect for?
Northland Group Inc. collects debts on behalf of businesses in a diverse range of industries. In detail, they ’ ve been known to collect the follow types of debt : 3
- Credit card debt
- Retail card debt
- Auto loans
- Demand deposit accounts (DDAs)
- Consumer loans
Radius Global Solutions ( the company that Northland Group merged with in 2017 ) collects debts in an even broader range of industries, including healthcare, utilities, telecommunications, and entertainment/hospitality. 5
Is Northland Group a scam?
No, Northland Group Inc. isn ’ t a scam. They ’ re a legalize debt collection agency, and so is Radius Global Solutions .
however, even though Northland Group is a legitimate party, they may placid behave unethically. In fact, they ’ ve faced lawsuits in the past for violating consumer rights. 6 7
You should besides be argus-eyed against scammers posing as Northland Group representatives .. Make sure to verify your debts before you make any payments. To do therefore, contact Northland Group directly using the contact information below .
VIDEO: Northland Group in 2 Minutes—Fix Your Credit Report & Know Your Rights
How to stop Northland Group from calling you
Northland Group will call, e-mail, or mail you if they believe you have an faze debt. The argue debt collectors like these are calling you is simple—they want to pressure you into paying up .
unfortunately, Northland Group representatives will keep trying to contact you unless you pay the debt, prove that it doesn ’ t belong to you, or reach an agreement with them ( or with your original creditor ) .
Don ’ triiodothyronine ignore debt collectors like Northland Group—in the end, you may get sued, and you may even have your wages garnished. It ’ south fresh to engage with them tactically to ensure you don ’ t have to pay, or that you get the best deal you can .
To begin, you can get Northland Group to stop calling you—at least temporarily—by sending them something called a debt verification letter .
Send a debt verification letter
A debt confirmation letter is a ball request that obligates a debt collector to provide farther attest of a debt. You must send it within 30 days of them first base contacting you. Note that Northland Group should have sent you a debt establishment letter proving you owe the debt inaugural, as it ’ randomness required by police .
Debt Verification Letter
Use this debt verification letter template if Northland Group has contacted you about a debt and you want to dispute it. If you send this within 30 days, they ‘re legally obligated to respond with evidence of the debt and ca n’t contact you until they do .
Benefits of sending a debt verification letter
Sending a debt confirmation letter has three benefits :
- You’ll prevent Northland Group from calling you during this period: When you send a debt verification letter, third-party debt collection agencies like Northland Group are required by law to stop contacting you until they can provide evidence that you actually owe the debt they’re trying to collect. 8
- You’ll get more information about the debt: You should never pay a debt that you don’t recognize. Forcing Northland Group to provide documentation will help you determine whether this is a legitimate debt that you actually need to pay. It’s an easy way of figuring out if the debt collector is a scam agency.
- You may successfully disown the debt: If Northland Group can’t provide more information about the debt (which is frequently the case), then they have no choice but to delete it from your records.
Beware the statute of limitations
The confirmation materials that you receive may show that your debt has passed the codified of limitations. This is a legal limit that means the debt is excessively honest-to-god for Northland Group to sue you over, at which bespeak it ’ sulfur known as time-barred debt .
If this is the subject, you can send Northland Group a letter telling them to stop reach you. legally, they ’ ll have to abide by that .
The codified of limitations on most debts is between 3 and 6 years, but the exact measure of time depends on several factors, including the state of matter you live in. The best border on is to check your state lawyer general ’ south web site and email their agency if the information you ’ ra looking for international relations and security network ’ thyroxine available on-line.
How to remove Northland Group from your credit report
If your credit score is suffering as a result of Northland Group debt, there are three ways to recover :
1. Dispute the debt with all three credit bureaus
You should immediately dispute the debt if it isn ’ thymine yours. You can besides dispute debts that are older than 7 years ( measured from the date of your beginning miss payment ) —by law, they ’ re supposed to fall off your recognition report by then .
To dispute a debt for unblock, send a credit rating dispute letter to the credit rating agency that are showing Northland Group on your credit report .
Credit Dispute Letter
Use this citation dispute letter template to file a challenge directly with one of the credit chest of drawers. If Northland Group is on your citation report by mistake or the debt they ‘re trying to collect is more than 7 years honest-to-god, the credit agency have to remove it from your report card .
To find out which credit chest of drawers you need to send the letter to, request your free credit report from each of the major credit chest of drawers ( Experian, Equifax, and TransUnion ) at AnnualCreditReport.com. If they don ’ deoxythymidine monophosphate answer to your challenge within 30–45 days, then they ’ re legally obligated to remove the detail in question .
2. Negotiate with Northland Group
unfortunately, if the debt is legitimate and it ’ s less than 7 years old, removing Northland Group from your credit composition will be very unmanageable ( although not impossible ) .
Your best go at this indicate is to just pay the debt. Newer credit scoring models ignore paid-off solicitation accounts, which means paying off your solicitation will boost your recognition score tied if you can ’ metric ton remove the detail .
however, when you pay, there are two negotiation strategies you can try as a last-ditch try to remove Northland Group from your credit report :
- Pay for delete: You might be able to convince Northland Group to remove the negative mark in exchange for paying off the debt. You can open these negotiations by sending them a pay-for-delete letter.
- Goodwill deletion: This is an alternate strategy you can try after paying your debt. Once the account is paid off, you can send Northland Group a goodwill letter asking them to empathize with your situation and remove the mark from your credit report as an act of kindness.
If you can’t afford to pay off your debt, try negotiating a debt settlement
If your debt is fairly honest-to-god, then there ’ s a chance that Northland Group will accept less than the full moon come you owe ( a practice known as debt village ) to minimize their losses. You can negotiate a debt village with Northland Group over the call or by sending a debt village letter .
3. Wait 7 years for Northland Group to fall off of your credit report
unfortunately, most collection accounts will stay on your credit report for 7 years after your first miss payment. even if you pay off your debt to Northland Group, it will remain on your recognition report .
Learn more about Northland Group’s impact on your credit score:
How to deal with Northland Group harassment
Unless you tell them not to, Northland Group will keep contacting you until you pay off or settle your debt. however, there are restrictions on how they can go about doing this .
Restrictions on Northland Group
When attempting to collect payments from you, Northland Group must adhere to the regulations specified in the Fair Debt Collection Practices Act. This is a federal police that prevents debt collectors from engaging in harassment or marauding demeanor, such as lying to you or calling you endlessly or at excessive hours .
Northland Group representatives besides need to follow the rules set out in the Telephone Consumer Protection Act. It ’ s a good theme to familiarize yourself with these laws so that you can take action against Northland Group if they do something illegal .
Keep records of letters and phone calls
If you think that Northland Group may be violating your rights, then it ’ s a commodity idea to record your call calls, save any letters they send you, and keep records of when they ’ ve contacted you. This will make things much easier if you need to take legal action against them in the future .
Can I sue Northland Group for harassment?
Yes, you can sue Northland Group for harassment. If you can show that they ’ ve violated your rights under the Fair Debt Collection Practices Act, then you can collect $ 1,000 in statutory damages for each rape deoxyadenosine monophosphate well as payment for any damages that you ’ ve sustained as a consequence of their irreverence. Northland Group will besides have to pay your lawyer fees and court costs.
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How to file a complaint against Northland Group
If a debt collector violates your rights under the Fair Debt Collection Practices Act or does something illegal, then you can report them to the Federal Trade Commission, the Consumer Financial Protection Bureau, or your state of matter lawyer general. From there, you ’ ll be able to find out whether you can besides sue Northland Group .
Another option is filing a complaint on the Better Business Bureau ( BBB ) web site, but this might not have the consequence you ’ ra hop for. Bear in thinker that the BBB is actually a private constitution that has no affiliation with the u government. They ’ ll forth your ailment to Northland Group, but there ’ s no guarantee that the agency will address it in a satisfactory manner. What ’ s more, if your challenge is sent to an arbiter, then you may give up your correct to take Northland Group to court .
Should you pay Northland Group?
You should only pay a collection agency like Northland Group if you ’ re certain the debt is yours and you owe it. If you ’ ra struggling financially and can ’ triiodothyronine afford to pay this debt collector, you can get avail from a non-profit credit counselor .
Takeaway: Northland Group is a legitimate debt collection agency
- Northland Group is a debt collection agency, which means they collect severely delinquent debts that lenders have charged off and transferred or sold.
- Northland Group probably isn’t a scam, but you should make sure to avoid scammers by verifying your debts and only making payments once you’re sure they’re legitimate.
- You have rights under the Fair Debt Collection Practices Act that prohibit debt collectors from harassing you. You can sue for harassment, and you won’t need to pay the legal fees if you win.
- There are several ways of removing Northland Group debt from your credit report, but if these approaches fail, then you should consider seeking advice from a credit repair professional.