North Shore Agency

Is North Shore Agency hurting your credit score?

Lexington Law has helped millions of customers remove collections and other negative items from their credit reports. Let them help you too!

Who is North Shore Agency, LLC?

North Shore Agency (NSA) is a debt collection agency located in Melville, New York. Its parent organization is NCO Financial Systems, Inc. They work in the following industries:

  • 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 & nedical services
  • insurance agencies
  • membership services
  • publishers
  • retailers
  • telecommunications
  • utilities

You may see North Shore Agency listed on your credit report as a collections account. This can happen if you forgot to pay a bill and your account was sent to a debt collector.

Removing North Shore Agency Collections from Your Credit Report

Collections can hurt your credit score and remain on your credit report for up to 7 years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to have a collection account removed from your credit report before 7 years.

(Debt collectors prefer that we didn’t tell you this, but it’s something you should know.)

Lexington Law is a credit repair company that helps people fix their credit.

In addition to collections, Lexington Law will help you challenge (and possibly remove) other inaccurate information from your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, judgments, tax liens, and bankruptcies.

Call Lexington Law now to learn more: (800) 220-0084

North Shore Agency (NSA) Contact Information

Address:

North Shore Agency
270 Spagnoli Rd Ste 110
Melville, NY 11747-3515

Website: https://www.northshoreagency.com

Phone number: (866) 848-2121

Should I contact or pay North Shore Agency?

Nothing good can come from speaking to a collection agency on the phone. And making payments on the collection account will reset the clock. So instead of helping your credit, it could make it worse.

The best way to go about handling this is to work with a professional credit repair service. They have deleted millions of negative items from companies like North Shore Agency for millions of clients nationwide.

And they can help you too.

Will North Shore Agency, LLC sue me or garnish my wages?

It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. They will help you dispute the collection account and possibly get it removed from your credit report. It’s also quite possible that you will never hear from or have to deal with North Shore Agency again.

Call Lexington Law to learn how they can help you avoid lawsuits and remove negative items from your credit report that will significantly improve your credit scores.

Wage Garnishment

Some states allow wage garnishment, while others do not. It is important to note that if you are in a state that does not allow wage garnishment, it is illegal for them to threaten to garnish your wages.

It is also illegal for North Shore Agency to make any claims they cannot or will not follow through on – this includes threatening to sue you or to foreclose on your home.

North Shore Agency, LLC Complaints

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most 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). Lexington Law knows that you have rights, and North Shore Agency does too.

Your Rights When Dealing with North Shore Agency, LLC

There are strict regulations about what a collection agency can and cannot do in the United States. The Fair Debt Collection Practices Act prevents the use of abusive or deceptive tactics to collect any debt, whether or not you actually owe it. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • Debt validation. Under the FDCPA, you have the right to validate a debt. Upon request, the collection agency reporting the information must prove to you, within 30 days, that the account is really your responsibility and the amount of money you owe is accurate.
  • All personal debts are covered, including personal credit cards, auto loans, household bills, and mortgage payments.
  • North Shore Agency may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • North Shore Agency must be honest about who they are and what they are trying to do. They must notify you that they are a collection agency both orally and in writing.
  • North Shore Agency cannot threaten to have you arrested, and they are not allowed to threaten to take legal action if they have no intention of doing so.

More Tips on Dealing with North Shore Agency, LLC

Avoid the phone. NEVER talk to a debt collector on the phone. The less they know about you, the better.

Politely tell them it’s your policy to deal with everything in writing. Request a letter with the original debt information and then hang up. If they keep calling, send them a cease & desist letter.

Record their phone calls. If you must deal with a debt collection agency on the phone, record them. Thirty-five states and the District of Columbia allow you to record your phone conversations secretly.

In the other 15 states, you can record with the other party’s permission. If you tell the debt collector you are going to record, and they keep talking, that’s considered giving permission. They will usually hang up.

Don’t believe what they say. Debt collectors are known to make false threats, lie, and tell you whatever they need to tell you to try to get you to pay the debt.

Don’t try to hide money. It’s considered fraudulent to hide money or assets from a legitimate collection agency if you owe them. However, it’s also best to avoid giving access to your bank account or credit card information.

Don’t apply for new lines of credit. It’s also considered fraudulent to apply for new lines of credit if you are unable to pay your current creditors.

Don’t ignore them. You can do things on your terms, but ignoring the situation will not make North Shore Agency go away. Ignoring them sets you up for a possible lawsuit.

Know Your State’s Statute of Limitations. Each state has a statute of limitations on debt. Once your debt reaches a certain age, it is considered “zombie debt,” and you are no longer legally obligated to pay it. The age limit varies from state to state, but usually, it’s around 4-6 years.

A collection agency is still allowed to contact you about these debts, but they can no longer sue you for them, and you are not required to pay them.

Can North Shore Agency collections be removed from my credit report?

Lexington Law specializes in disputing North Shore Agency collections. They have over 28 years of experience and have removed over 7 million negative items for their clients in 2020 alone.

Get Your Collections Removed Today!

If you’re looking for a reputable company to help you with collection accounts and repair your credit, we HIGHLY recommend Lexington Law.

Call them at (800) 220-0084 for a free credit consultation. They have helped many people in your situation and have paralegals standing by waiting to take your call.