8882261843

Resident47 know much more about the FDCPA than either you or I will.

Resident47, please know that I ask this with great respect for everything you do for folks here but the post is over 5 years old, why are you replying?

That's not a form letter, it's a very specific one taken wholesale from some other place, the upper half discussing someone else's problem with a different collection agency. The lower half is certainly boilerplate lifted from one of many ill-conceived "porcupine mode" dispute letters which in fact hinder invocation of a person's rights.

You don't want "postal mail and/or email". You want real ink and paper. You want the accountability of physical records. Explain "the debt and to whom it is owed"? Maybe no one owes it. Maybe you don't want to admit anyone could. Spare me the linguistic puffery and idle threats of the fourteen places you'll complain. The State Bar too? They (should) regulate attorneys. Are you writing to a lawyer?

Debt collectors are unmoved by your fist-waving. They know who regulates them and by what authority. They understand money and whether they can get yours or lose theirs to you. They need not read anything much more than "I dispute, please validate, no phone calls" in a timely manner to enforce many of your FDCPA rights. Let them find out how dangerous you are later, after they've broken a few laws and you draft a civil complaint.

If the debt is not yours, they cannot, by federal law, give you ANY information about the person the debt is owed by (or claimed to be owed).

The Fair Debt Collection Practices Act (FDCPA) (15 U.S.C. §1962) is a federal law enacted in 1978 to protect consumers from debt collector harassment and abuse. The law clearly outlines collection practices that are considered unfair, abusive, and deceptive.

Who Is Considered a Creditor under the FDCPA?

The FDCPA defines a creditor as the person or entity that extended you the credit in the first place (original lender). Since the FDCPA is designed to protect debtors against third party debt collectors, it does not apply to an original creditor or its employees.

However, there is an exception to this rule. When collecting its own debts, a creditor will not be exempt from the FDCPA if it uses a different name that implies a third party is attempting to collect the debt.

http://www.nolo.com/legal-encyclopedia/what-i ... r-creditor.html

Know your FDCPA rights!
Whether you are receiving phone calls, letters, or have been sued, you have rights under the FDCPA. Even if you owe the debt and cannot pay it or dispute the amount claimed, debt collectors must comply with the law. Debt collectors are required to provide you with accurate information, produce proof of the debt upon request, and may never engage in intimidation or harassment.

Under the FDCPA, debt collectors cannot:

• Call you if you have told them to stop.
• Call you at all, once notified that you are represented by an attorney.
• Call your family, friends, co-workers, or anyone else to discuss the debt.
• Call you before 8:00 am or after 9:00 pm, unless you have granted permission beforehand.
• Call you at any time or place which is inconvenient for you to receive such calls.
• Harass you by calling repeatedly.
• When calling family or friends, collectors may only call once, and only to request information on how to locate you.
• Lie or falsely imply, in any communication, that the collector is a government agency, is serving you with papers, that you are subject to arrest, or that you have committed a crime.
• Provide untruthful information about the debt or the amount owed.
• Threaten to harm you.
• Threaten to seize your paycheck, bank accounts, or property.
• Use obscene language in communicating with you.
• Publish your name on a "bad debt list" (except to a credit rating agency).
• Fail to identify themselves as debt collectors in every communication.
• Demand your social security number, credit or debit card number, or bank account number.
• Fail to inform you that any information provided to them will be used to collect the debt.
• Attempt to collect a debt that is so old that it is beyond the statute of limitations, unless the consumer is told.

Debt collectors must give you the following information upon request:

• The amount of the debt.
• The name of the creditor to whom you allegedly owe the debt.
• A verification letter sent within five days of the first communication with the consumer.
  
  • The verification letter must explain that, unless the consumer disputes the validity of the debt (or any portion thereof) within 30 days after receipt of the notice, the debt will be assumed to be valid by the debt collector.
  • The letter must say that, if the consumer notifies the debt collector in writing within the 30-day period that the debt (or any portion thereof) is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer. In turn, a copy of such verification or judgment will be mailed to the consumer by the debt collector.
  • The letter must say that, upon the consumer's written request within the 30-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

https://www.ftc.gov/enforcement/rules/rulemak ... ctices-act-text

To file a complaint: https://www.ftccomplaintassistant.gov/#&panel1-1

Also file a complaint with your state's attorney general: http://consumerfraudreporting.org/stateattorneygenerallist.php
and the Consumer Financial Protection Bureau: http://www.consumerfinance.gov/complaint/

Sign up for scam alerts: https://www.consumer.ftc.gov/scam-alerts

Lots of helpful FTC links: https://www.consumer.ftc.gov/topics/credit-and-loans

NORTHLAND GROUP AKA ACCOUNTS RECEIVABLES MANAGEMENT AKA ARM, INC.
Posted in:  https://800notes.com/Phone.aspx/1-888-569-7149/2
https://800notes.com/Phone.aspx/1-866-932-6804/5
https://800notes.com/Phone.aspx/1-866-292-2446
https://800notes.com/Phone.aspx/1-866-365-8438          (note comes up as 800 service on caller ID)
https://800notes.com/Phone.aspx/1-888-253-9358
https://800notes.com/Phone.aspx/1-866-275-6020
https://800notes.com/Phone.aspx/1-888-569-4763
https://800notes.com/Phone.aspx/1-866-292-2367
https://800notes.com/Phone.aspx/1-866-643-6422
https://800notes.com/Phone.aspx/1-866-573-0905#p1059303314153001224
https://800notes.com/Phone.aspx/1-888-226-1843/4

I have to wonder why an allegedly “legitimate “business would need so many phone numbers to call out on?

Web page with contact information:  http://www.northlandgroup.com/contact-us/
Web page for Accounts Receivable Management indicating that they are now the Northland Group:  https://www.arm1.com/
BBB page for Accounts with not much on it:  http://www.bbb.org/new-jersey/business-review ... re-nj-80002965/

BBB page gives them an A+ rating with 138 complaints (the BBB removed 156 complaints so that these thieves could keep their rating), and 1 negative review :  http://www.bbb.org/minnesota/business-reviews ... n-edina-mn-9806
Minnesota Dept. of Commerce registration with 50 of the 197 collector’s names and numbers:
State     Minnesota
Board     Debt
Inquiry Date     02/11/2015 04:57 PM
NORTHLAND GROUP INC

Business Location Address 7831 GLENROY RD
PO BOX 390846
PO BOX 390246
EDINA, Minnesota 55439

Business Phone Number 952-831-4005

Fax Phone Number 952-831-7356

Licenses
Collection Agency
License Number     Original Issue Date     Status     Effective Date     Expiration Date
8001093     06-11-1988     Active     06-07-1989     06-30-2015

Aliases
Former Name
Name:    Effective Date    End Date    License Type
NORTHLAND COLLECTION SVC INC    02-17-2007
Individual Associations
Displaying records 1 through 50 of 197
   Next
Full Name    License Number    License Type
ADRIAN , NATHAN
20618908     Debt Collector
Aguilera , David
40264301     Debt Collector
Ali , Abdullahi
20557467     Debt Collector
AMUNDSON , LEONARD
20395759     Debt Collector
Anderson , Preanna
40410550     Debt Collector
ANTWI , JUDITH
20621415     Debt Collector
ARCHER , BRIAN
20249223     Debt Collector
AUSTAD , KEITH
3005766     Debt Collector
Ayau , Ashley
40102833     Debt Collector
BAER TAKI , KAGOBE
20207663     Debt Collector
BAKER , ALICIA
20620992     Debt Collector
Barbeau , Stephanie
40236171     Debt Collector
BARTA , BRANDI
40178895     Debt Collector
BEAVERS , MARK
20513845     Debt Collector
Belille , Jessica
40415690     Debt Collector
Berg , Damond
20041358     Debt Collector
BLACK , ERIC
40085513     Debt Collector
BLACK , LANCE
3001738     Debt Collector
Brandeen , Edward
40198568     Debt Collector
Brewer , Mark
40056448     Debt Collector
Briley , Geoffrey
40415691     Debt Collector
BROWN , RICKY
20604515     Debt Collector
Carlson , Barbara Jean
40180555     Debt Collector
CARLSON , JOSEPH
20067675     Debt Collector
Caswell , Haley
40348627     Debt Collector
CERMAK , ALICIA
40098248     Debt Collector
Chang , Para
40355626     Debt Collector
COTTON , BRIAN
20619240     Debt Collector
CUMES ORTEGA , MANUEL
20588813     Debt Collector
CURTIS , CYNTHIA
20503397     Debt Collector
DAHLIN , BRYAN
20592246     Debt Collector
DAMON , TASHA
20556719     Debt Collector
Davison , Jazmen
40338238     Debt Collector
Diaz , Yvette
40413533     Debt Collector
Dionne , Heather
40241956     Debt Collector
DUNBAR , RYAN
20325747     Debt Collector
EALY , LATOYA
20616949     Debt Collector
ECKMAN , SHANE
20603942     Debt Collector
Edmond , Jacob
40176175     Debt Collector
Escudero-Corona , Martha
40254518     Debt Collector
ESTRADA , ROGER
20600008     Debt Collector
Fabian , Heidi
40332831     Debt Collector
FAGERLEE , JOSEPH
40114784     Debt Collector
Farrar , Gisela
40201338     Debt Collector
Flynn , Nicole
40413534     Debt Collector
FORNSHELL , JOSHUA
20498077     Debt Collector
FRANZ , BONITA
20359267     Debt Collector
Friede , Richard
40234435     Debt Collector
Garamella , Joseph
40328025     Debt Collector
Gause , Alex
40246967     Debt Collector
Minnesota Dept. of State information with the name of the head criminal:
Northland Group, Inc.
Business Type
Business Corporation (Domestic)
MN Statute
302A
File Number
4B-604
Home Jurisdiction
Minnesota
Filing Date
03/01/1982
Status
Active / In Good Standing
Renewal Due Date
12/31/2016
Registered Office Address
7831 Glenroy Rd #350
Edina, MN 55439
USA
Number of Shares
1,000
Registered Agent(s)
(Optional) None provided
Chief Executive Officer
Lance Black
7831 Glenroy Rd, Suite #250
Edina, MN 55439
USA
Principal Executive Office Address
7831 Glenroy Rd, Suite #250
P.O. Box 390846, P.O. Box 390905
Edina, MN 55439
United States

Looks like they get sued a whole lot:

http://www.bricker.com/Documents/Publications/011415.CA.FDCPA.Post.pdf
http://law.justia.com/cases/federal/appellate ... 2016-02-22.html
http://law.justia.com/cases/federal/district- ... 00128/40385/16/
https://www.gpo.gov/fdsys/pkg/USCOURTS-ilnd-1_05-cv-05523
http://www.leagle.com/decision/In%20FDCO%2020 ... %20GROUP,%20INC.
http://www.leagle.com/decision/In%20FDCO%2020 ... %20GROUP,%20INC.
https://www.paed.uscourts.gov/documents/opinions/15D0003P.pdf
https://www.pacermonitor.com/public/case/1218 ... hland_Group_Inc

Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt.  It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes.  The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.

Read up on your rights here, get template letters to send and also make a complaint at this government site: http://www.consumerfinance.gov/

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:  https://800notes.com/faq/attorney-general

Also file a complaint with the Minnesota Dept. of Commerce:http://mn.gov/commerce/consumers/file-a-complaint/index.jsp

Additional info:

The Fair Debt Collection Practices Act (FDCPA) (15 U.S.C. §1962) is a federal law enacted in 1978 to protect consumers from debt collector harassment and abuse. The law clearly outlines collection practices that are considered unfair, abusive, and deceptive.

Who Is Considered a Creditor under the FDCPA?

The FDCPA defines a creditor as the person or entity that extended you the credit in the first place (original lender). Since the FDCPA is designed to protect debtors against third party debt collectors, it does not apply to an original creditor or its employees.

However, there is an exception to this rule. When collecting its own debts, a creditor will not be exempt from the FDCPA if it uses a different name that implies a third party is attempting to collect the debt.

http://www.nolo.com/legal-encyclopedia/what-i ... r-creditor.html

Know your FDCPA rights!
Whether you are receiving phone calls, letters, or have been sued, you have rights under the FDCPA. Even if you owe the debt and cannot pay it or dispute the amount claimed, debt collectors must comply with the law. Debt collectors are required to provide you with accurate information, produce proof of the debt upon request, and may never engage in intimidation or harassment.

Under the FDCPA, debt collectors cannot:

• Call you if you have told them to stop.
• Call you at all, once notified that you are represented by an attorney.
• Call your family, friends, co-workers, or anyone else to discuss the debt.
• Call you before 8:00 am or after 9:00 pm, unless you have granted permission beforehand.
• Call you at any time or place which is inconvenient for you to receive such calls.
• Harass you by calling repeatedly.
• When calling family or friends, collectors may only call once, and only to request information on how to locate you.
• Lie or falsely imply, in any communication, that the collector is a government agency, is serving you with papers, that you are subject to arrest, or that you have committed a crime.
• Provide untruthful information about the debt or the amount owed.
• Threaten to harm you.
• Threaten to seize your paycheck, bank accounts, or property.
• Use obscene language in communicating with you.
• Publish your name on a "bad debt list" (except to a credit rating agency).
• Fail to identify themselves as debt collectors in every communication.
• Demand your social security number, credit or debit card number, or bank account number.
• Fail to inform you that any information provided to them will be used to collect the debt.
• Attempt to collect a debt that is so old that it is beyond the statute of limitations, unless the consumer is told.

Debt collectors must give you the following information upon request:

• The amount of the debt.
• The name of the creditor to whom you allegedly owe the debt.
• A verification letter sent within five days of the first communication with the consumer.
  
  • The verification letter must explain that, unless the consumer disputes the validity of the debt (or any portion thereof) within 30 days after receipt of the notice, the debt will be assumed to be valid by the debt collector.
  • The letter must say that, if the consumer notifies the debt collector in writing within the 30-day period that the debt (or any portion thereof) is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer. In turn, a copy of such verification or judgment will be mailed to the consumer by the debt collector.
  • The letter must say that, upon the consumer's written request within the 30-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

https://www.ftc.gov/enforcement/rules/rulemak ... ctices-act-text

To file a complaint: https://www.ftccomplaintassistant.gov/#&panel1-1

Also file a complaint with your state's attorney general: http://consumerfraudreporting.org/stateattorneygenerallist.php
and the Consumer Financial Protection Bureau: http://www.consumerfinance.gov/complaint/

Sign up for scam alerts: https://www.consumer.ftc.gov/scam-alerts

Lots of helpful FTC links: https://www.consumer.ftc.gov/topics/credit-and-loans

It's true the post is very old.  Looks like there is misinformation in that post and Resident47 is taking the opportunity to put the correct information out.

I wasn't attempting (much) to lecture the "untrusting" commentor, if that's how it looks. I find it hard to ignore potentially hazardous statements appearing on the front page of a thread. The rebuttal is for future readers.

That's fine. Although it's not a reason for me to stop posting the info I do have. I've never claimed to know more than Res and never will. There is no harm in posting information that is worded differently or includes (or excludes) information in his/her posts. There is no harm in repetition either. Sometimes that is exactly what people need so they can protect themselves. I'm also thinking of those who may read the thread (and other threads) at some point in the future.

It's no skin off my nose if my help isn't wanted. I can leave just as quietly as I came. I'd rather not but I don't stay where I'm not welcome.

I don't have a problem with others attaching useful or related items to my submissions. I don't view those as direct "replies" if it's obvious I am not being addressed.

I would point out that early in February Admin had cautioned against repeatedly posting detailed boilerplate, even if for a benign purpose, as over time such practice can fool search engines into thinking they've detected spam. Admin raised the same concern a few years ago when frequent user Lamet was found putting up "circus posters", as Lone Stranger quipped, of borrowed content and links in too many threads.

Boy are we being defensive.  I was simply pointing out that you were replying to a person who who is very well informed on the law.  Since you are new here, I simply figured that you didn't know who he was.  I am not sure where you got the idea I didn't want you to post here.  I see nothing in my reply to you that says that, nor was that post in any way disrespectful..

Thank you Res. You are right, it wasn't intended as a direct response. None of my "informational" posts are. I've simply been trying to insert important info where it looked like it was needed, trying to cover as many bases as possible without posting tl:dr.

Thanks for the info. I hadn't needed to use the site in a very long time so I had no idea what had occurred. I will keep that in mind from now on. Thanks again. :o)

Triple-B cannot "close down" anything. It has no law enforcement power. It's mainly a glorified chamber of commerce, one known to accept payola for higher grades.

(See now, that remark from "tired" was another example of "hazardous statements" begging for correction.)

THEIR BACK!!! Received a call today from this bunch of lowlifes, I remember having read about them on this site and did not answer as I do not have any outstanding debt, nor would I rat out any acquaintance to these lowlifes, they can do their own legwork.

Caller ID says Northland. Call daily but only left one message about important business. No name for company or who call was for. Haven’t had my # long. Get calls all the time for people who had number before me. Interesting that Verizon flagged it with Spam? before business name

Called me today and on the 45-second voicemail there was obviously someone there (could hear them typing and breathing), but they did not leave a message.

Harassment

I think this is who keeps calling and when I answer, they hang up. Never say a word so likely if we argue and say we never received a call, they can dispute that. I have no idea who they are honestly. I have also been questioned regarding whether I know someone that I truly do not know. Then when someone asked for a guy and I said obviously no, I am not that person since I am a female and you are looking for a guy. They rambled on rudely about how they would have no idea.

Quote:

I have no idea who they are honestly.

Debt collector which you could have easily found out by reading this thread.