Who is North Shore Agency?
North Shore Agency (NSA) is a debt collection agency based in Melville, New York. The company is a subsidiary of NCO Financial Systems, Inc., a global leader in the collection industry.
NSA might appear on your credit report as a collections account, which typically occurs when you have an unpaid bill that has been transferred to them for collection.
Who does North Shore Agency collect for?
North Shore Agency services a wide variety of sectors and industries. Their diverse clientele includes:
- auto manufacturers, finance & dealers
- banks, credit unions, & financial institutions
- cable & satellite broadcast
- consumer and business services
- direct marketers
- education
- government agencies (local, state, and federal)
- hospitals & medical services
- insurance agencies
- membership services
- publishers
- retailers
- telecommunications
- utilities
Is North Shore Agency legit or a scam?
North Shore Agency is a legitimate debt collection company. They are authorized to collect debts on behalf of their clients. However, it’s crucial that you verify any debts that they claim you owe before making any payments.
How can I remove North Shore Agency 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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North Shore Agency (NSA) Contact Information
Address:
North Shore Agency
270 Spagnoli Rd Ste 110
Melville, NY 11747-3515
Phone number: (866) 848-2121
Should I contact or pay North Shore Agency?
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 Credit reports can contain errors or list debts that are no longer valid.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 North Shore Agency is to work with a credit repair professional. They help remove millions of negative items every year from companies like North Shore Agency on behalf of their clients.
Will North Shore Agency, LLC sue me or garnish my wages?
North Shore Agency, LLC, does have the legal ability to sue for unpaid debts. If a lawsuit against you is successful, they may be granted a judgment. This could potentially let them garnish your wages or levy your bank accounts. They might also place a lien on your property, subject to your state laws.
However, it’s important to note that taking legal action is typically a last resort for most collection agencies. It’s a lengthy and costly process, and agencies usually prefer to negotiate a payment arrangement or settlement directly with the debtor.
North Shore Agency, LLC 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 collection agency, you may also want to 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with North Shore Agency, LLC
Debt collectors must follow state and federal laws. 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 North Shore Agency 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.
- North Shore Agency cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- North Shore Agency 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.
- North Shore Agency cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove North Shore Agency From Your Credit Report Today!
Credit Saint offers assistance with disputing North Shore Agency collections. 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.
