Northland Group Facts, and Credit Repair Tips
“Have You Been Targeted By Debt Collectors from Northland Group?”
Being targeted by debt collectors can be a really unnerving experience.
You’re bombarded with calls and letters and subjected to all kinds of threats and intimidation.
It can be very hard to sort out fact from fiction, if all you have to go on is what the debt collectors tell you.
You need to be aware from day one that the debt collector is NOT your friend.
Take anything and everything that your debt collector says with a grain of salt, and be sure to verify any supposed debts with an outside source before paying.
Debt collectors depend upon consumer ignorance in order to more effectively intimidate and pressure people into paying. Once you understand even a little bit about your rights, it is relatively easy to get them to back off.
Here are a few things you should know about debt collection and credit repair:
- Debt collectors prey on your ignorance of your rights! Educate yourself, and get professional help.
- Your rights are protected by the Fair Debt Collection Practices Act. This means that debt collectors may not:
- Call you for the sole purpose of harassing you
- Call you before 8 am or after 9 pm
- Call you directly after you’ve hired a lawyer
- Call your employer, if they’ve been told not to
- Make threats of legal action against you or your family, if they lack the real intention or legal ability of following through on those threats
-The Fair Credit Reporting Act makes it illegal for debt collectors to report invalid, inaccurate, or expired debts to the credit bureaus.
-There is a statute of limitations on debts in each state. If your debt is too old and the statute of limitations has run out, it is illegal for anyone to try to collect on that debt.
-You have the right to request debt validation as soon as a debt collector targets you. Debt validation requires the debt collector to prove that you owe the debt in question. If they can’t prove it, you don’t owe it.
-Paying on a debt can be seen as an admission of responsibility for that debt. If you think your debt may be invalid or inaccurate, do NOT pay on it. Instead, get legal help.
-Paying off a debt does not automatically repair your credit. The debt collector must contact the credit bureaus and instruct them to remove the corresponding collection item. Make sure you get the debt collector to agree to do this BEFORE you pay one cent.
-Put everything in writing. Even if your debt collection company says that they record all phone calls, you need to put any and all agreements, payment plans, and debt dispute requests in writing. You can’t rely on them to provide the proof of what was said via a recording.
-Send all your letters via certified mail so that you can prove that the debt collector received them.
-Hire a professional! Remember, this is the single most important thing you can do to defend your rights and repair your credit. Professionals like the staff of Lexington Law have the knowledge and experience you need to solve your problems.
Call Lexington Law today!