Debt collectors will take what's yours without hesitation.
Summary: Is the Northland Group after you for an old debt? Worried they'll take everything you own? Learn how to stand up against the Northland Group and win in court.
Getting a summons notifying you that you are being sued for debt is stressful and something that no one wants to deal with. Despite this, it happens to many Americans every day. One common group that you might be sued by is Northland Group. If this happens, you must take the correct action to avoid having your wages garnished, or money being taken directly from your account.
What You Need to Know About Northland Group Inc
Northland Group Inc is a third-party debt collection agency. It is based out of Edina, Minnesota, and has been operating since 1982. Focusing on mainly credit cards, automotive, mortgages, student loans, telecommunications, and utility debt, it is a real company and can legally sue you.
This debt collection agency is known for receiving consumer complaints claiming Fair Debt Collection Practices Act (FDCPA) violations. Some consumer reviews have even accused Northland of making false statements when attempting to collect a debt. Other examples of violations include attempting to collect debts not owed by that consumer, or stating information to an employer of someone who owes a debt.
Despite shady behavior, Northland Group Inc is not a scam. Northland Group Inc is an authorized debt collection agency that purchases debt packages from other businesses and then tries to collect from consumers. If Northland has contacted you, you must respond, but also learn how to respond before doing so.
Respond to a debt collection lawsuit in 15 minutes and win in court.
Common Complaints Against Northland Group Inc
As of September 2019, the Consumer Financial Protection Bureau received over 440 complaints regarding Northland Group Inc. Examples of complaints include:
- Attempts to collect a debt not owed: Continued to call despite having the wrong number.
- Improper communication tactics: Repeatedly made phone calls that are annoying, abusive, or harassing. Not disclosing who they are as a company.
What to Do if Northland Group Inc Contacts You
If Northland Group Inc continues to contact you, then the first step is to determine if they are violating your rights. The following rights are given to consumers under the Fair Debt Collection Practices Act (FDCPA):
- May not contact you about a debt that is not yours, or a debt amount that is more than you owe.
- Must be able to prove that the debt is owed by you.
- May not collect if not authorized by the original creditor to collect the debt.
- May not make automated robocalls to your phone to collect.
- May not use inappropriate language, or try to intimidate you.
- May not accuse you of criminal behavior, or threaten to arrest you.
- May not threaten you with negative credit reporting, lawsuits, or violence.
- May not call you at work, may not call your friends, coworkers, and neighbors.
- May not call you before 8 a.m. or after 9 p.m.
- May not call you many times per week.
If any of the above is happening to you, then you may be able to obtain up to $1000 in statutory damages for your FDCPA claim. In this case, Northland would be required to pay your attorney fees and court costs as well. You should never be a consumer who is experiencing harassment from debt collectors like Northland Group Inc. Know your rights and take action today.
Don't ignore debt collectors when they call. Fight back with SoloSuit.
What to Do If You've Been Sued by Northland Group
When an original creditor sells a debt to a third party, it may have been sold many times. Often sold debts have errors about the amount owed or who even owes it.
You must answer the summons to avoid having your wages garnished.
Request a Validation Letter
Be sure to request a validation letter from the debt collector if you do not receive one within five business days of the first contact. This should include details on the debt, as well as the name of the collection company, and how to fight the debt.
Obtain Your Own Records on the Debt
If the debt is yours, then you will want to find your records regarding the original creditor as well as your history of payments.
Keep Good Records of All Communication
Be sure to keep all records of the debt collector and any payments previously made. Using certified mail is best for documentation.
Know Your Rights
The Fair Debt Collection Practices Act is something that you should well. It protects your right as a consumer and protects you from predatory collection tactics.
Make the right defense the right way with SoloSuit.
Actions Northland Group Inc Can Take Against You
As a debt collector, Northland Group may not threaten you in the form of suing or wage garnishment, if they do not have the right, but they may legally have the right to do those things. Northland Group may contact you by phone, text, or mail, but not during inappropriate times such as before 8 a.m. and after 9 p.m.
Debt collectors such as Northland Group Inc may also not threaten lawsuits or wage garnishment if there is no valid debt owed. Although they may legally sue you in court, you also have the right to fight that summons.
If you do not respond, then they will be able to obtain a default judgment against you in court. This judgment will state the amount you owe and then will allow them to garnish your wages for that amount. Allowing yourself to continue owing a debt to Northland means you may give them the ability to garnish your wages. Try to stop it before it gets to this point.
You Can Fight Northland Group and Win in Court
FIghting Northland Group may be as simple as properly understand your federal and state protections in the debt collection process. Because Northland Group has been accused of violations in the past, it may happen to you. Whether you send a letter to the debt collector asking for more information or at least send an initial response. Know how to exercise your consumer rights, and always be sure to do so if you wish to beat Northland Group in court.
What is SoloSuit?
SoloSuit makes it easy to respond to a debt collection lawsuit.
How it works: SoloSuit is a step-by-step web app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.
Respond with SoloSuit
"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James
>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate
>>Read the NPR story on SoloSuit: A Student Solution To Give Utah Debtors A Fighting Chance
How to Answer a Summons for Debt Collection Guides for Other States
Here's a list of guides for other states.
All 50 states.
Guides on How to Beat Every Debt Collector
Being sued by a different debt collector? We're making guides on how to beat each one.
Win Against Credit Card Companies
Is your credit card company suing you? Learn how you can beat each one.
Going to Court for Credit Card Debt — Key Tips
How to Negotiate Credit Card Debts
How to Settle a Credit Card Debt Lawsuit — Ultimate Guide
Get Answers to These FAQs
Need more info on statutes of limitations? Read our 50-state guide.
Why do debt collectors block their phone numbers?
How long do debt collectors take to respond to debt validation letters?
What are the biggest debt collector companies in the US?
Is Zombie Debt Still a Problem in 2019?
If a car is repossessed, do I still owe the debt?
Is Portfolio Recovery Associates Legit?
Is There a Judgment Against Me Without my Knowledge?
Should I File Bankruptcy Before or After a Judgment?
What is a default judgment?— What do I do?
Summoned to Court for Medical Bills — What Do I Do?
What Happens If Someone Sues You and You Have No Money?
What Happens If You Never Answer Debt Collectors?
What Happens When a Debt Is Sold to a Collection Agency
What is a Stipulated Judgment?
What is the Deadline for a Defendant's Answer to Avoid a Default Judgment?
Can a Judgement Creditor Take my Car?
Can I Settle a Debt After Being Served?
Can I Stop Wage Garnishment?
Can You Appeal a Default Judgement?
Do I Need a Debt Collection Defense Attorney?
Do I Need a Payday Loans Lawyer?
Do student loans go away after 7 years? — Student Loan Debt Guide
Am I Responsible for My Spouse's Medical Debt?
Should I Marry Someone With Debt?
Can a Debt Collector Leave a Voicemail?
How Does Debt Assignment Work?
What Happens If a Defendant Does Not Pay a Judgment?
How Does Debt Assignment Work?
Can You Serve Someone with a Collections Lawsuit at Their Work?
What Is a Warrant in Debt?
How Many Times Can a Judgment be Renewed in Oklahoma?
Can an Eviction Be Reversed?
Does Debt Consolidation Have Risks?
What Happens If You Avoid Getting Served Court Papers?
Does Student Debt Die With You?
Can Debt Collectors Call You at Work in Texas?
How Much Do You Have to Be in Debt to File for Chapter 7?
What Is the Statute of Limitations on Debt in Washington?
How Long Does a Judgment Last?
Can Private Disability Payments Be Garnished?
Can Debt Collectors Call From Local Numbers?
Does the Fair Credit Reporting Act Work in Florida?
The Truth: Should You Never Pay a Debt Collection Agency?
Should You Communicate with a Debt Collector in Writing or by Telephone?
Do I Need a Debt Negotiator?
What Happens After a Motion for Default Is Filed?
Can a Process Server Leave a Summons Taped to My Door?
Learn More With These Additional Resources:
Need help managing your finances? Check out these resources.
How to Make a Debt Validation Letter - The Ultimate Guide
How to Make a Motion to Compel Arbitration Without an Attorney
How to Stop Wage Garnishment — Everything You Need to Know
How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)
Defending Yourself in Court Against a Debt Collector
Tips on you can to file an FDCPA lawsuit against a debt collection agency
Advice on how to answer a summons for debt collection.
Effective strategies for how to get back on track after a debt lawsuit
New Hampshire Statute of Limitations on Debt
Sample Cease and Desist Letter Against Debt Collectors
The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah
West Virginia Statute of Limitations on Debt
What debt collectors cannot do — FDCPA explained
Defending Yourself in Court Against Debt Collector
How to Liquidate Debt
Arkansas Statute of Limitations on Debt
You're Drowning in Debt — Here's How to Swim
Help! I'm Being Sued by My Debt Collector
How to Make a Motion to Vacate Judgment
How to Answer Summons for Debt Collection in Vermont
North Dakota Statute of Limitations on Debt
ClearPoint Debt Management Review
Indiana Statute of Limitations on Debt
Oregon Eviction Laws - What They Say
CuraDebt Debt Settlement Review
How to Write a Re-Aging Debt Letter
How to Appear in Court by Phone
How to Use the Doctrine of Unclean Hands
Debt Consolidation in Eugene, Oregon
Summoned to Court for Medical Bills? What to Do Next
How to Make a Debt Settlement Agreement
Received a 3-Day Eviction Notice? Here's What to Do
How to Answer a Lawsuit for Debt Collection
Tips for Leaving the Country With Unpaid Credit Card Debt
Kansas Statute of Limitations on Debt Collection
How to File in Small Claims Court in Iowa
How to File a Civil Answer in Kings County Supreme Court
Roseland Associates Debt Consolidation Review
How to Stop a Garnishment
Debt Eraser Review