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How to Resolve Debt with Northstar Location Services

George Simons | January 21, 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: Northstar Location Services is a debt collection agency that provides first and third-party debt collection services. If Northstar has contacted you about a debt, ask them to validate it before taking any other action. However, if Northstar Location Services has sued you, you can settle the debt once and for all with the help of SoloSettle.

Finding a collection notice in your mailbox from Northstar Location Services probably isn’t your idea of a great start to the day. It may worry you, especially if you can’t repay the amount due. Ignoring the letter may seem like the best course of action, but that’s a mistake. Instead, you should face the matter to avoid future repercussions.

In this article, we’ll explain who Northstar Location Services is, how they operate, and how you can resolve a debt with the company before, during, and after a lawsuit has been filed.

Sued by Northstar Location Services? Settle your debt with the help of SoloSettle.

Settle debt with Northstar Location Services

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

Settle with SoloSettle

What is Northstar Location Services?

Northstar Location Services has over 50 years of experience in the collections industry. The company handles first and third-party debt collections and location services. It’s a branch of The Northstar Companies, which has a presence in the U.S. and Canada. Northstar Location Services is the company’s Canadian collection entity.

The company’s website does not offer much information, but it does list several awards it has received and charities it supports. Northstar Location Services' mailing address is 350 Bertie St., Fort Erie, Ontario L2A 1Z5. Its phone numbers are (716) 817-6770 and 877-630-6928. Northstar Companies’ headquarters is at 4285 Genesee Street, Cheektowaga, NY 14225.

Who does Northstar collect for?

Northstar collects varied consumer debts, including overdue medical and utility bills, past-due credit card debts, and other types of debt. It has collected debts for Discover in the past.

Where do I read online reviews about Northstar Location Services?

The Better Business Bureau (BBB) has a profile for Northstar Location Services. The company maintains an A+ rating with the BBB but is not accredited.

Similarly, the Consumer Financial Protection Bureau has received several hundred Northstar Location Services reviews.

The FDCPA protects you from unfair debt collection

Northstar Location Services is within its rights to attempt to collect debts. However, if someone posing as the company’s representative infringes on your rights, you can take action to protect yourself. Let the person know that they are breaking the Fair Debt Collection Practices Act (FDCPA) rules if they do one of the following:

  • Call you repeatedly throughout the day
  • Contact you more than once a week about an account you have already discussed
  • Threaten you with serving a jail term
  • Fail to identify who they are when calling you
  • Contact you outside of regular hours, such as before 8 a.m. or after 9 p.m.
  • Fail to validate a debt upon request
  • Lie about the debt or who they are
  • Use vulgar, abusive, or threatening language

When Northstar Location Services contacts you about a debt, the first step to defending your rights is to ask them to validate your debt by sending a debt validation letter.

Ask Northstar Location Services to validate your debt

Your first communication from Northstar Location Services will probably be a letter explaining that you owe money. It will include the name of your original creditor, an account number, and the amount due. The letter should explain that you have 30 days to request debt validation. Otherwise, Northstar will assume it’s valid.

Don’t ignore the letter from Northstar. Instead, prepare a Debt Validation Letter and send it to the email or mailing address provided. In your Debt Validation Letter, ask Northstar to provide you with additional information to validate the debt, including:

  • The original account number with the creditor
  • Proof that Northstar now owns your debt
  • The last transaction made on your account
  • An analysis of the amounts due, including interest and fees
  • Calculation of the debt’s age
  • Whether the debt is past the statute of limitations
  • Northstar’s debt license number for your region

Until Northstar provides all the information you request, collection activities should cease. If Northstar doesn’t have the records it needs to validate your debt, you’re unlikely to hear back.

However, if Northstar provides complete debt validation, you must decide on your next steps.

Draft a Debt Validation Letter today.

You can repay the debt with Northstar.

If Northstar holds a valid debt within the statute of limitations window, it’s best to repay it. Repaying the debt stops Northstar from engaging in further collection activities, such as a lawsuit.

If you have the money to repay the balance, do so. Paying your debt will stop Northstar Location Services from reporting it as an open collections item. If it appears on your credit report, it will show as paid in full. Most future creditors ignore collection items that you have repaid.

You may have the option to set up an installment agreement. In an installment agreement, you’ll make regular payments until you repay the debt. However, Northstar may charge you additional interest or fees, so carefully review any contract before proceeding.

You can settle the debt with Northstar.

Another option to consider is debt settlement. In a debt settlement, you offer Northstar a percentage of the amount you owe in exchange for releasing you from the remaining amount due. Your settlement is a one-time, lump-sum payment.

Settlements can save money while allowing you to move forward from a challenging situation. Collection agencies often accept settlements when they know collecting your total debt is unlikely.

Identify how much you can afford to pay Northstar to start the settlement process. We’ve found 40% of the debt to be a good starting point, but the company may ask for more. Once you arrive at a settlement amount, prepare the agreement and make your payment. After Northstar receives it, it will report your account settled to the credit bureaus.

If you’re not sure about debt settlement, watch the following video to determine if it’s the right choice for you:

SoloSettle helps you settle your debts once and for all. As a tech-based approach to debt settlement, you can use SoloSettle to settle debt on your own by using its software to send and receive settlement offers until you reach an agreement with Northstar Location Services.

Once an agreement is reached, SoloSettle helps you manage the settlement documentation that may be filed into your debt lawsuit case.

Plus, you won’t have to worry about your financial information being compromised because SoloSettle will transfer your payment to the collector on your behalf, keeping your financial information private and safe.

Settle with SoloSettle

Make an Offer

Northstar Location Services probably won’t go away until you respond

The key to stopping collection activities is knowing your rights. Your first step is to require Northstar Location Services to validate the debt. The agency must stop contacting you if it cannot validate the debt. But if you have a valid obligation with Northstar Location Services, repay it or attempt to settle it before it becomes a bigger issue.

Is Northstar Location Services suing you for unpaid debt? Settle your Northstar Location Services debt with SoloSettle.

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