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What to Do If You've Been Sued by Northland Group

George Simons | January 29, 2025

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: If you’re being sued by Northland Group, be sure to file a written Answer with the court to block a default judgment. Then, reach out to Northland Group to discuss settlement options. Solo can help with all this more.

Getting a Summons notifying you that you are being sued for debt is stressful and something no one wants to deal with. Despite this, it happens to many Americans every day. If Northland Group has sued you, you must take the correct action to avoid having your wages garnished or money taken directly from your account.

Keep reading for more information on Northland Group, who they collect for, and how to settle if you’ve been sued.

Settle debt with Northland Group

You can negotiate debt settlement at any stage of the collections process. SoloSettle makes it easy.

Settle with SoloSettle

What is Northland Group?

Northland Group is a third-party debt collection agency based in Edina, Minnesota, and has been operating since 1982. Although it is not accredited by the Better Business Bureau, it maintains an A+ rating. Northland Group is a real company and can legally sue you.

Northland Group Inc. is not a scam. It 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 it’s crucial that you know how to respond before taking any action.

Respond to a debt collection lawsuit in 15 minutes and win in court.

Who does Northland Group collect for?

As a debt collector, Northland Group gets hired by creditors to contact people who have fallen behind on their payments and are dealing with delinquent debt accounts. Northland Group collects for:

  • Credit cards
  • Automotive
  • Mortgages
  • Student loans
  • Telecommunications
  • Utility debt

Read Northland Group reviews to prepare for negotiations

Reading online reviews for Northland Group, Inc. is essential to learn about other consumers' experiences. However, keep in mind that online reviews often exhibit a negativity bias; satisfied customers are generally less likely to leave detailed reviews. To find out what other consumers are saying, visit:

Know your rights under the FDCPA.

When dealing with a debt collector, it is crucial that you understand your rights under federal law. 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 you owe the debt.
  • It may not collect if it is 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.
  • You may not be accused of criminal behavior or threatened with arrest.
  • May not threaten you with negative credit reporting, lawsuits, or violence.
  • May not call you before 8 a.m. or after 9 p.m.
  • May not call you many times per week for the same debt.

If any of the above is happening to you, you may obtain up to $1000 in statutory damages for your FDCPA claim. Know your rights and take action today.

Don't ignore debt collectors when they call. Fight back with SoloSuit.

What to do if Northland Group, Inc. has sued you

Gather Information

When an original creditor sells a debt to a third party, it may have been sold many times. Often, old or resold debts have errors about the amount owed or who even owes it.

Answer

You must create and file an Answer to the Summons and Complaint to avoid a default judgment that could result in wage garnishment, asset seizure, or having a lien placed against your property.

Request a Validation Letter

If you do not receive a validation letter from the debt collector within five business days of the first contact, be sure to request one. This should include details on the debt, the name of the collection company, and how to dispute 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 previous payments. The best method for documentation is certified mail.

Know Your Rights

You should know about the Fair Debt Collection Practices Act. It protects your rights as a consumer and prevents predatory collection tactics. Learn more about common FDCPA violations to be better equipped to converse with debt collectors.

Keep Track of Your Court Case

Filing an Answer is a crucial first step, but it does not end your part in the lawsuit. Until the case is resolved, it’s up to you to keep track of the status of your court case and show up for any hearings.

Make the right defense the right way with SoloSuit.

You can resolve debt with Northland Group

Northland Group, Inc. is a legitimate debt collector. While it can be tempting to dodge their calls and correspondence, you will eventually have to resolve the debt to avoid facing a lawsuit.

If Northland Group has sued you, it may seem frightening and overwhelming. However, the worst action you can take is inaction. If you don’t file an Answer and work toward resolving the debt, the court could grant a default judgment against you. Filing an Answer within the allowed time frame is the first step, but it’s not the end of the process. Keep track of your court case until it reaches a resolution.

How to settle a debt with Northland Group

If Northland Group, Inc. has contacted you, then exploring debt settlement may be your best step forward.

Take the following steps to explore debt settlement:

  1. Review your personal finances and determine how much you can afford to offer as a settlement.
  2. Send a debt settlement offer to Northland Group that’s slightly less than the maximum amount you can afford, and be prepared for a counteroffer.
  3. Once you’ve reached an agreement, be sure to memorialize the agreement with a written and signed Settlement Agreement.
  4. Make a timely payment of the agreed-upon amount.

SoloSettle can help simplify the debt settlement process by helping keep track of your correspondence, preparing a documented settlement agreement, and providing a safe way to initiate payment while protecting your financial information.

Settle with SoloSettle

Make an Offer

Learn more about how to settle your debt with Northland Group from the video below.

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

Debt collector guides

Are you being contacted by a debt collector? We’re making guides on how to resolve debt with each one.

Arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

Bankruptcy

Bankruptcy is a great way to legally resolve debt, but it's usually best to consider it as a last resort. Here are some bankruptcy guides to help you decide which debt resolution option is best for you.

Check your case status

Don’t have time to go to your local courthouse to check the status of your case? We’ve created state guides on how to check the status of your case throughout the US, complete with online search tools and court directories.

Credit

Debt has a big impact on your credit. Below is a list of guides on how to repair and improve your credit, even while managing major debt, along with other credit-related resources.

Debt collection FAQs

Find answers to some of our the most commonly-asked questions about debt collection below.

Debt collection documents and templates

If you're dealing with debt, these documents and templates will help you respond, protect your rights, negotiate, and resolve your debts.

Debt relief

We’ve created a specialized guide on how to find debt relief in all 50 states, complete with steps to take to find relief, state-specific resources, and more.

Debt settlement

Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created state guides on debt settlement. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

Eviction

Facing an eviction? The following guides will help you navigate your situation with confidence.

Federal debt collection laws

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

Legal aid

Helping people find access to justice is at the heart of Solo's misison. If you're dealing with a legal debt issue, the following guides will help you through it.

Medical debt

Having a health challenge is stressful, but dealing with medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

Personal finance

Learn how to manage your finances and overcome crushing debt. Check out our personal finance guides below.

State debt collection laws

Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Statute of limitations on debt

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote guides on each state’s statutes and more.

Stop collection calls

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

Wage garnishment

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in your state, plus other wage garnishment resources.

The Debt Hotline

Hosted by Team Solo, The Debt Hotline breaks down debt and personal finance topics with help from attorneys, financial experts, and industry pros. We respond to real questions to help you navigate debt with knowledge and courage.

Other debt resources


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