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Summary: Are you getting multiple calls from 800-955-6600? This number belongs to a debt collection agency called the Northland Group. You can stop these calls with a Cease and Desist letter or by reporting violations of the FDCPA. And if you’ve been sued, SoloSuit will help you file an Answer to the lawsuit.
The first time they called, it was an annoyance. You answered the phone only to hear a prerecorded message identifying the caller as Capital One. But you didn’t follow the advice to contact the company in return — and ever since then, your phone has been ringing off the hook.
How can you stop calls from 800-955-6600? Keep reading to find out.
While the message identifies itself as Capital One, the number actually belongs to the Northland Group. This is a debt collection agency acting on behalf of Capital One.
Yes, Northland Group is a legitimate company and not some type of scam. If you’re receiving a call from 800-955-6600, the Northland Group is seeking to collect a debt that you owe Capital One. It may be acting on Capital One’s behalf, or it may have purchased your debt from Capital One.
Should I contact the Northland Group?
It’s generally a good habit not to respond to robocalls directly. You can, however, reach the Northland Group’s parent company, Radius Global Solutions, by phone at 888-287-5711.
Contacting the Northland Group can provide more insight into why it is calling you, and you can request that the company not contact you further — ending the unwanted robocalls.
What to do if you’ve received calls from 800-955-6600
Even if the Northland Group agrees to stop calling you, your debt remains. Here’s what to do next.
Verify the debt
First, request debt validation from the company by asking for the following information:
The name of the debt collection agency.
The name of the original creditor.
The amount of your original debt.
The company’s response will confirm that you’re being contacted by the Northland Group and that your original debt is owed to Capital One. Watch the following video to learn more about how to draft a Debt Validation Letter:
Respond to the debt collector
You might dispute the debt if there are errors in the company’s response. Alternatively, you can set up a plan to pay the debt. Some debt collectors are willing to accept a lower amount in a lump sum. This can get you out of debt faster so you can start rebuilding your credit.
Unfortunately, the National Do Not Call Registry doesn’t apply to debt collectors as long as the debt is legitimate. But that doesn’t mean you don’t have rights.
Under the Fair Debt Collection Practices Act (FDCPA), debt collectors are not allowed to:
Contact your friends, family, or coworkers about your debt
Call you more than once each day
Call you after receiving a Cease and Desist notice
Call you before 8 a.m. or after 9 p.m.
Refuse to validate your debt
If you believe that the Northland Group has violated these terms, you can report it to the FTC by calling 877-382-4357 or using the agency’s online platform.
What is a Cease and Desist letter? This document simply requests that a company stop contacting you regarding your debt. If the Northland Group continues to contact you after receiving this letter, you may report it to the CFPB or FTC.
However, the Northland Group may seek to recover the debt in other ways, including a lawsuit. If this happens, you’ll need to respond with a legal Answer, which will articulate your side of the dispute and indicate your willingness to settle the debt or fight the lawsuit in court.
Have you been receiving calls from Northland Group? Let’s look at an example of what to do to stop calls from 800-955-6600.
Example: Sherri has been receiving multiple phone calls from 800-955-6600, often as many as one call per day. The prerecorded message identifies the caller as Capital One, but Sherri is unsure whether to trust the number it provides. Instead, Sherri calls the number for the Northland Group (888-287-5711) and requests debt validation. Once she receives the validation, she issues a response and a Cease and Desist letter. In Sherri’s case, the debt is legitimate, so she sets up a payment plan with the Northland Group to address the debt and stop the unwanted calls.
If you’re tired of hearing from 800-955-6600, try sending Northland Group a written letter asking it to stop calling you. The agency must comply with your request upon receipt of the letter. However, stopping the calls doesn’t mean that your debt will go away. If Northland Group decides to sue you, it will contact you again.
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