It’s always a bit concerning when you get a call from an unfamiliar number. But what about when an organization you don’t know keeps trying to contact you? This can be a worrying situation, especially if the people calling say you owe them money. So, what should you do if Northstar Location Services calls you?
What Is Northstar Location Services?
First off, you have to understand what Northstar Location Services is in order to know what to do if they call you. Northstar Location Services is a debt collection agency based out of New York.
There’s a good chance Northstar Location Services will reach out to you by calling, or you might notice a soft inquiry on your credit report from them. Either way, if you see Northstar Location Services in your sights, it likely means you’re going to have to straighten things out with them one way or another.
Why Is Northstar Location Services Calling You?
Since Northstar Location Services is a debt collector, the most likely reason they’re contacting you is because they believe you owe them money. But you’ve never even heard of a company called Northstar Location Services. How could you possibly owe them money?
When you owe money to a debt collection agency, it’s not because you took out a loan with them. It’s possible you have a delinquent credit card account that has been purchased by Northstar Location Services in order to collect what they’re able on the loan. Debt collections companies will buy unpaid debts from credit card companies and other lenders for pennies on the dollar. They’ll then attempt to make a profit by collecting as much of that debt as possible. The Northstar Location Services – www.bills.com page can give you more information about this specific debt collections agency.
Northstar Location Services works with Discover, among other credit card companies. So if you haven’t paid your Discover card bill, it’s possible the debt will be sold off to Northstar for them to collect on it.
What Should You Do If Northstar Location Services Calls?
Dealing with debt collections agencies isn’t fun. In fact, it’s about the opposite of a good time. These organizations have bought your debt. In order for them to not lose money on that transaction, they need to do whatever they can to get money from you. This can lead to some pretty rough behavior on the end of the debt collectors.
Before going any further, it’s important to know some of the things debt collectors can’t do, such as:
- Visit you at work. This is illegal and should be reported immediately. Though, they’re allowed to call you at work until you request them to stop.
- Harass you through threats, abuse, calling over and over at unreasonable hours, or circulating your personal information.
- Collect on something you don’t actually owe. You don’t have to pay collections on mistakes. But since there are so many inaccuracies in the debt collections world—including identity theft—it’s important to stay on top of this.
When you get a call from Northstar Location Services, pretty much the first thing you’ll want to do is verify the debt. You will want to do this for a couple of reasons. First, sending a written request for verification requires the collectors to actually prove you owe them money. This can be surprisingly difficult for them to do much of the time, so simply demanding verification can sometimes be enough.
But if you actually do owe some debt, you need to make sure it’s the correct amount. Even if it’s not intentional, it’s always possible the debt collectors are asking you for more than you actually owe. It’s essential you request verification from the collectors within 30 days of receiving notice, as there’s a time limit on how long you can take for this.
Dealing with debt collectors certainly isn’t a fun time. But if you don’t panic, know your rights, and just take everything one step at a time, you can get through it.