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?
Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to remove a collection account from your credit history before seven years.
(While debt collectors may not want this information to be widely known, it’s your right to be informed.)
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Some clients have raised their credit scores
by 100 points* or more.
Lexington Law Firm is a credit repair company that helps people fix their credit.
In addition to collections, they can work with you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.
Get started on the path to better credit today: Fill out the form for a free credit consultation.
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?
It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with a collection agency 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 debt collectors 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
Most collection agencies have numerous complaints filed against them 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 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 debt collectors.
Your Rights When Dealing with Northland Group, Inc.
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Northland Group may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Northland Group must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
- Northland Group cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Northland Group From Your Credit Report Today!
Lexington Law can assist you in disputing Northland Group accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
They have helped many people in your situation. Fill out the form on their website for a free credit consultation to see what they can do for you.
Ready to Repair Your Credit?
Some clients have raised their credit scores
by 100 points* or more.
