Debt collectors like cannot harass you over a debt. You have rights under the law. We will stop the harassment once and for all.THE BEST PART IS…If violated the law, you will get money damages and will pay our fees and costs. You will not pay us a penny for our time. Plus, some of our clients also receive debt relief and cleaned up credit reports. You have nothing to lose! Call us today at 888-572-0176 for a free consultation.
Who is ?
is a third-party collection agency, headquartered in Springfield, Illinois, and started its business in 1933. According to the Better Business Bureau (“BBB”), is categorized as an incorporation. According to ’ website, has over seven decades of experience.It appears that collects on debts for automotive, utility, communications, education and medical fields. Therefore, in some situations, may be a junk-debt buyer. For example, some collection agencies buy debt for pennies on the dollar, and then collect on it. also collects on other various debts. We’ve helped a lot of consumers deal with when Northstar is collecting on behalf of the automotive, insurance, utility, communications, travel, education, and retail industries.
Address, Phone Number, and Contact Information
is located at 5300 South 6th Street, Springfield, IL 62703. The main telephone numbers for are 217-786-4800 and 800-252-1772. These are just two of many contact numbers.’ website is www.ccbcreditservices.com ’ fax number is 217-529-7185.
Phone Numbers Used By
likely has dozens, if not over 100, phone numbers it calls from. Here are a few phone numbers may be calling you from:
- 866-288-0436
- 800-755-5249
- 877-688-8288
- 800-959-1373
- 866-362-1025
- 217-585-2340
- 800-473-7885
Lawsuits
If you want to know just how unhappy consumers are with take a look at the number of lawsuits filed against on the Public Access to Court Electronic Records (“PACER”). PACER is the federal docket throughout the country that lists federal complaints filed against . When you do a search for , there are over 120 lawsuits filed against . Most of these lawsuits involve consumer rights’ violations.
Northstar Location Services Harassment
The Fair Debt Collection Practices Act (“FDCPA”) is a federal law that applies to everyone in the United States. In other words, everyone is protected under the FDCPA. The FDCPA is a laundry list of what can and cannot do while collecting a debt, as well as things debt collectors must do while collecting a debt. If is harassing you over a debt, you have rights under the Fair Debt Collection Practices Act.The Telephone Consumer Protection Act (“TCPA”) protects you from robocalls. Robocalls are those annoying, automated, recorded calls that a computer makes to you all day long. You can tell it’s a robocall because either no one is on the other end of the line or there’s a delay when you pick up the phone before a live person comes on the line. You can get $500 per call if violates the TCPA. Have you received a message from that sounds pre-recorded? Or, maybe the message you received from is cutoff at the beginning or the end? These are tell-tale signs that the message is pre-recorded. If you have these messages on your cell phone, you may have a TCPA case against .The Electronic Fund Transfer Act (“EFTA”) protects electronic payments that are deducted from bank accounts. If took unauthorized deductions from your bank account, you may have an EFTA claim. like most collection agencies, wants to set up reoccurring payments from consumers. Imagine how much money gets if hundreds, if not thousands, of consumers electronically pay them $50-$100, or more, per month. If you agreed to this type of reoccurring payment, must follow certain steps to comply with the EFTA. Did continue to take electronic payments after you said stop? Did take more money from your checking account than you agreed to? If so, let’s talk about your rights under the EFTA.The Fair Credit Reporting Act (“FCRA”) works to ensure that no information reported to your credit report is false. In essence, it gives you the right to dispute those inaccuracies that you find on your credit report. We handled a lot of cases recently where reported debt on a consumer’s credit report. likely reports on credit reports to obtain greater leverage over the consumer. If is on your credit report, they may tell you if you pay the debt, they’ll remove it from your credit report. This is commonly known as pay for delete. You pay and they delete the debt from your credit report. Even if is not on your credit report, maybe the original creditor is. If you pay off the debt to then the original creditor, and should accurately report this on your credit report.Several states also have laws that provide its citizens an additional layer of protection. For example, if you live in California, Texas, Florida, North Carolina, Wisconsin, Michigan, Montana, or Pennsylvania you may be able to tack on a state-law claim with your federal law claim above. North Carolina, for example, has one of the most consumer-friendly statutes in the country. If you live in NC, and you’re harassed over a debt, you may get $500.00 – $4,000.00 in damages per violation. We work with a local counsel in NC. Our NC clients have received some great results in debt collection harassment cases. If you live in NC, and is harassing you, you have tons of leverage to get a great settlement.
HOW CAN WE USE THE LAW TO HELP YOU?
We will use state and federal laws to immediately stop debt collection. We will send a cease and desist letter to get the harassment to stop the same day. violates the FDCPA, EFTA, FCRA, or any state laws, you may be entitled to money damages. For example, under the FDCPA, you can get up $1,000.00 in damages plus actual damages. The FDCPA has a fee-shift provision. This means, pays our attorney’s fees and costs. If you have a TCPA case against we will handle it based on a contingency fee.THAT’S NOT ALL…We have helped hundreds of consumers stop phone calls from . We know how to stop the harassment and get you money damages. ONCE AGAIN, you will not pay us a penny for our time. We will help you based on a fee-shift provision and/or based on a contingency fee. That means, pays our attorney’s fees and costs.
What If Is On My Credit Report?
Based on our experience, may credit report. That means, may mark your credit report with the debt they are trying to collect on. In addition to , the original creditor may also be on your credit report.THE GOOD NEWS IS…If is on your credit report, we can help you dispute it. Mistakes on your credit report can be very costly. Along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or maybe you were a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute them. My office will help you pull your credit report and dispute any inaccurate information.REMEMBER…If a credit reporting agency violates its obligations under the Fair Credit Reporting Act(“FCRA”), you may be entitled to statutory damages up to $1,000.00, plus the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision. This means, the credit reporting agency pays your attorney’s fees and costs. Therefore, you will not pay me a penny for my time. We have helped dozens of consumers fix inaccurate information on their credit reports.
Complaints against
If you’re on this page, chances are you are just like the hundreds of consumers out there being harassed by . The complaints on the Better Business Bureau (“BBB”) are endless. is accredited by the BBB. The BBB gives an A- rating. Despite it’s A- rating, there are nearly 25 customer complaints on the BBB.Here are some of the many BBB complaints regarding :
- “This collection agency continues to call me and file items on my credit report when I have sent them proof along with AEP that is identity theft.”
- “This collection agency reported on my credit report that I owed $244. I paid the balance in full, but they still did not update my credit report. I filed a dispute with my credit reports and they removed the $244 but then added a new balance of $122.”
- “I have reached out to this company twice, once i learned they placed an unknown account on my credit and they have ignored me. I sent this company a certified notice two times to let them know I am not the person(s) responsible for the debt they placed on my credit. I was not contacted by them…”
Reviews and complaints on Google do not get any better for , who has an average of 2.3 stars. Here’s what people on Google have to say about :
- “Trying to collect money on fraud accounts.”
- “Two letters received to collect on fraudulent account in the amount of $139.97. This is the same amount others have reported”
Here’s What Our Clients Say About Us
Mike Agruss Law, has over 630 outstanding client reviews through Yotpo, an A+ BBB rating, and over 100 five-star reviews on Google. Here’s what some of our clients have to say about us.“Jackie and Pooja were very prompt and professional, and stopped the unwanted calls to my personal cell phone. I didn’t have to do anything but provide them screenshots and records of the phone calls. No hassles. Love it.”“Thank you Mike Agruss Law!! Not only did you stop harassing calls from a collection agency and make them remove negative information from my credit report, I also received a settlement payment.”“Mike Agruss is an experienced, knowledgeable lawyer. I trust the Mike Agruss Law for all consumer debt matters. Mike and his team are super responsive and they care about their clients. I recommend his firm 100%.”
Can Sue You?
Although anyone can sue anyone for any reason, we have never seen Northstar Location Services sue consumers. It’s likely does not sue because they do not always own the debt they are collecting on. Also, would have to hire a lawyer, or use in-house counsel, to file a lawsuit. It’s likely collects debts through the entire country. Therefore, it would be very difficult to have lawyers, or a law firm, licensed in every state. There are collection agencies that do sue consumers. For example, Midland Credit Management is one of the largest junk-debt buyers. Midland Credit Management collects on debt and also sues on debt. The opposite is true with . Therefore, it would be very unusual if sued you. The original creditor, on the other hand, may hire a collection firm, or lawyer, to sue you. If has threatened to sue you, call us. We can help.
Can Garnish Your Wages?
No, not unless they have a judgment. If has not sued you, then cannot get a judgment. If does not have a judgment, then cannot garnish your wages. Minus limited situations (usually dealing with debts owed to the government for student loans, taxes, etc.), in order to garnish someone’s wages, you need a judgment first. In short, we have not seen file a lawsuit against a consumer. So, cannot garnish your wages, minus the exceptions listed above. If has threatened to garnish your wages, contact our office right away.
Settlement
If you want to settle a debt with , ask yourself these questions first:
- Do I really owe this debt?
- Is this debt within the statute of limitations?
- Is this debt on my credit report?
- If I pay this debt, will remove it from my credit report?
- If I pay this debt, will the original creditor remove it from my credit report?
- If I pay this debt, will I get something in writing from confirming the payment and settlement terms?
These are not the only things to consider when dealing with debt collectors. We are here to help you answer the questions above, and much more. Whether it’s harassment, settlement, pay for delete, or any other legal issue with the folks at Mike Agruss Law are here to help you.
Share Your Complaints About
Post your complaints about . Sharing your complaints about will help other consumers know what to do when starts calling. Sharing your experience may help someone else.HERE’S THE DEAL!If you are being harassed by over a debt, you may be entitled to money damages. Get up to $1,000 for harassment, and $500-$1,500 for illegal robocalls. Under various state and federal laws, we will help you based on a fee-shift provision and/or based on a contingency fee. That means, the collector pays your attorney’s fees and costs. You won’t pay us a penny. We have settled thousands of debt collection harassment cases. Let us help you today. Contact Mike Agruss Law at 888-572-0176 to stop the harassment once and for all.
