National Principal Group Phone Harassment
If National Principal Group (NPG) is calling you, you may be experiencing phone harassment. NPG is a third-party debt collector that has been reported for repeated calls, threats of legal action, and contacting family or neighbors about alleged debts.
Harassing phone calls, including multiple calls per day, are illegal under the Fair Debt Collection Practices Act (FDCPA). Debt collectors cannot use false or misleading representations, and certain types of debts, such as payday loans, are commonly involved in disputes.
You have the legal right to stop NPG phone harassment, request verification of any debt, and protect your privacy. Government agencies, including the CFPB, provide resources to help you enforce these rights.
Consumer Rights Law Firm PLLC helps individuals stop abusive debt collection calls and hold NPG accountable under federal law.
Who Is National Principal Group?
National Principal Group is a third-party debt collection agency based in Buffalo, New York. They collect debts from both consumers and businesses, often purchasing or being assigned accounts from other creditors.
Key facts about NPG:
Location: 3014 Delaware Ave PO Box #4147, Buffalo, NY 14217-7099
Phone: (877) 311-7429
Alternate name: Lakefront Processing Solutions
Services: Debt collection, judgment recovery, portfolio management, legal enforcement
Common disputes: Payday loans, personal loans, credit cards
Third-party debt collectors like NPG often generate disputes due to aggressive collection tactics, unclear debt ownership, or miscommunication.
Source: Better Business Bureau
Why Is National Principal Group Calling You?
There are several reasons NPG may contact you:
Purchased debt: NPG may buy debts from other creditors.
Assigned accounts: A creditor may assign your account to NPG for collection.
Payday loan collections: Payday loans are a common target.
Old or time-barred debts: Debts beyond the statute of limitations may still be pursued.
Wrong-party calls: NPG may contact someone else by mistake.
Identity theft accounts: Fraudulent accounts can result in unexpected collection calls.
If you receive calls under any of these circumstances, it’s important to verify the debt and understand your rights.
Why Are So Many Consumers Complaining About NPG?
Consumers frequently report the following behaviors:
Repeated daily calls – multiple times per day, often at inconvenient hours.
Robocalls – automated calls that can be relentless.
Threats of lawsuits – often exaggerated or misleading.
Wage garnishment claims – even without a court judgment.
Third-party contact – speaking to family, neighbors, or employers about your debts.
No written validation – failing to provide proof of debt when requested.
Misrepresentation of debt – claiming amounts or legal consequences that are false.
These complaints demonstrate a pattern of abusive practices that may violate federal and state law.
Is National Principal Group Breaking the Law?
Yes, in many cases, NPG’s tactics may violate the FDCPA and other consumer protection laws.
Key points:
FDCPA overview: Protects consumers from unfair, abusive, or deceptive debt collection practices. (FTC FDCPA Summary)
Harassment: Repeated calls intended to annoy, abuse, or intimidate consumers are illegal.
Misrepresentation: Debt collectors cannot lie about the debt or consequences of nonpayment.
Unfair practice: Charging unauthorized fees, threatening legal action they cannot take, or contacting third parties improperly is prohibited.
When NPG crosses the line: Frequent calls outside legal hours, false threats, and failure to provide debt validation are common violations reported against NPG.
If NPG is calling aggressively, misrepresenting debts, or contacting third parties, you may have legal grounds to stop them.
Illegal Debt Collection Practices Allegedly Used by NPG
National Principal Group has been reported for the following illegal or abusive debt collection practices. Each of these may violate the Fair Debt Collection Practices Act (FDCPA) and other consumer protection laws (FTC FDCPA guide):
Calling before 8:00 a.m. or after 9:00 p.m.
Harassing calls outside legal hours are prohibited.Multiple calls per day or repeated calls per week
Excessive calls intended to annoy or intimidate can be actionable.Threatening legal action
NPG may claim lawsuits or garnishments that are not authorized.Calling your workplace
Unauthorized calls to your employer are illegal.Contacting family or neighbors
Collectors cannot discuss your debt with third parties except to locate you.Discussing your debt publicly
Posting or revealing debt information to others violates privacy rights.Demanding unauthorized fees or interest
Any fee not authorized in the original agreement is unlawful.Refusing to validate debt when requested
You have the right to written verification under FDCPA.Continuing collection after dispute
NPG must stop collection until the debt is verified.Wrong-party harassment
Calling individuals who do not owe the debt is illegal.
If NPG is using any of these tactics, you have legal recourse to stop them and potentially recover damages.
Known National Principal Group Phone Numbers
NPG often rotates phone numbers and may use caller ID spoofing to avoid detection. Blocking a single number may not stop calls.
Here is a table of reported NPG numbers:
| Phone Number | Notes / Usage |
|---|---|
| 877-311-7429 | Main contact |
| 877-794-5562 | Collections |
| 855-810-3589 | Alternate line |
| 877-462-4481 | Debt verification |
| 877-507-6711 | Collections |
| 855-205-3053 | Outreach |
| 855-207-6522 | Collections |
| 877-314-3371 | Alternate |
| 877-346-5419 | Collections |
| 844-443-4402 | Verification |
| 855-201-8938 | Collections |
| 855-203-4140 | Outreach |
| 844-289-2117 | Collections |
| 866-236-3146 | Alternate |
| 866-245-2864 | Collections |
| 866-236-4578 | Alternate |
| 855-205-4005 | Collections |
| 877-457-0365 | Outreach |
| 888-792-6966 | Verification |
| 877-801-9505 | Collections |
Even if a number is not listed, it may still be NPG. Always document calls and verify the collector.
Your Rights When NPG Contacts You
You have strong legal protections under federal law. Key rights include:
30-day dispute window: Respond to any debt collection notice within 30 days to request verification.
Right to written validation: NPG must provide proof of the debt before collection continues.
Right to stop communication: You can request NPG to cease calls in writing; they are legally required to comply.
Right to privacy: Collectors cannot discuss your debt with others except to locate you.
Right to fair treatment: No threats, intimidation, or abusive language.
Protection from false threats: Collectors cannot misrepresent legal actions or consequences.
Time-barred debt protection: Debts beyond the statute of limitations cannot be legally enforced.
Knowledge of your rights is the first step to stopping NPG harassment.
Source: Consumer FTC GOV
What Is a Debt Validation Letter & Why It Stops NPG
A Debt Validation Letter is a written request asking NPG to verify the debt. Sending one can immediately pause collection calls.
How it works:
What it is: A formal written request for proof of the debt, including the original creditor and amount.
What it does: Forces NPG to provide documentation before continuing collection.
What NPG must provide: Proof that the debt is yours and legally owed.
When they must stop calling: Until validation is provided, NPG must cease collection calls.
How it protects you: Prevents harassment, stops illegal calls, and provides legal leverage if they violate FDCPA rules.
Time-Barred Debts & National Principal Group
Sometimes NPG attempts to collect old debts past the statute of limitations. These are called time-barred debts.
Key points:
Statute of limitations: Each state sets a time limit on how long debts can be collected through the courts.
Why NPG still calls: Collectors may attempt payment even if legal enforcement is impossible.
What “reviving” a debt means: Making a payment or acknowledging the debt can restart the statute.
Why you should not admit liability: Verbal or written admissions can give NPG leverage.
How consumers get trapped: Lack of awareness allows collectors to pressure payment illegally.
Knowing the age of your debt is critical. NPG cannot legally sue or garnish wages on time-barred debts, but harassment may still occur.
Source: My Money Gov
Identity Theft & Wrong-Person Calls from NPG
Sometimes NPG may contact someone who does not actually owe a debt. This can happen due to:
Identity theft accounts: Fraudulent debts reported under your name.
Wrong-party calls: NPG mistakenly calls a person with a similar name or address.
How to protect yourself:
Verify the debt in writing immediately.
Do not admit the debt verbally.
Send a written notice disputing the debt and stating you are not responsible.
Document all calls and messages.
Report potential identity theft to the FTC (FTC Identity Theft Resources).
Identity theft and mistaken calls are common reasons for NPG harassment; verifying the debt is essential before responding.
Complaints & Lawsuits Against National Principal Group
NPG has faced multiple federal lawsuits over debt collection practices, demonstrating a pattern of consumer complaints and alleged violations.
Sample Complaints (Pacer.gov filings)
| Case No. | Case Name / Parties |
|---|---|
| 2:17-cv-01944-JCM-PAL | Compton v. National Principal Group |
| 2:18-cv-00420-TLN-EFB | King et al v. National Principal Group |
| 2:18-cv-00732-PBT | SEVIN-Sullivan v. National Principal Group |
| 1:18-cv-00886-YK | Geist v. National Principal Group |
| 1:16-cv-01761 | Wiley v. National Principal Group |
NPG has a documented history of disputes over harassing calls and violations of consumer rights.
Source: Pacer Gov
Legal vs Illegal Debt Collection – Where NPG Complaints Fall
This chart shows how NPG’s reported behavior compares to legal debt collection practices:
| Legal Debt Collection | Reported NPG Behavior |
|---|---|
| One call per day | Multiple calls daily |
| No third-party contact | Family/employer contacted |
| Honest statements | Threats of lawsuits |
| Written validation provided | No proof sent |
| Respect time rules (8am–9pm) | Late night / early morning calls |
| Stop after dispute | Continues calling |
NPG’s alleged practices often fall into the illegal column, highlighting potential FDCPA violations.
Is National Principal Group a Scam?
No, NPG is not a scam. It is a legitimate debt collection agency that:
Has been in business for 4 years.
Operates under multiple trade names, including Lakefront Processing Solutions.
Offers services like debt collection, judgment recovery, and portfolio management.
Why consumers feel scammed:
Aggressive and harassing phone tactics
Misleading statements about debts or legal action
Failure to provide debt validation promptly
While NPG is a real company, their reported practices may make consumers feel misled or harassed.
Can National Principal Group Sue You?
NPG may pursue legal claims, but you have tools and rights to challenge illegitimate claims.
When they legally can: If a debt is valid and within the statute of limitations, NPG may file a lawsuit.
When they bluff: Threats of lawsuits may be false; always verify legitimacy before paying.
Statute limits: Time-barred debts cannot be legally enforced in court.
What a real lawsuit looks like: NPG must file in court and serve proper notice.
How to verify legitimacy: Request documentation, check court records, and consult an attorney.
Can NPG Garnish Wages?
Yes, NPG can legally garnish wages only under specific circumstances:
Judgment required: NPG must first win a lawsuit in court.
Student loan exception: Federal student loans may allow garnishment without a lawsuit.
What collectors often claim: Threats of immediate garnishment are common, but not always legal.
What they legally cannot do: Harass you with threats or garnish wages without court approval (FTC Wage Garnishment Rules).
Never make a payment under threat without verifying the legal basis.
Can National Principal Group Have You Arrested?
No. Debt collection is a civil matter, not a criminal one.
Civil vs criminal: Collecting debt does not give NPG the authority to arrest.
Debt is not a crime: You cannot be jailed for failing to pay.
Court orders vs arrest: Arrests are only possible if you violate a court order (e.g., failing to appear in court).
Common scare tactics: NPG may falsely imply criminal consequences.
NPG cannot arrest you, but always verify court orders and legal claims.
Source: FTC Gov
What To Do If NPG Is Harassing You
Follow this step-by-step plan:
Stay calm: Do not answer aggressively.
Do not admit the debt: Avoid verbal acknowledgment.
Track calls: Log time, date, and caller ID.
Request validation: Send a written debt verification letter.
Send cease letter: Formally request that NPG stop contacting you.
Contact a consumer rights attorney: Legal counsel can stop harassment and enforce your rights.
Consumer Rights Law Firm PLLC helps consumers stop NPG calls and hold collectors accountable.
About Us
Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Our legal services include representing consumers in cases of debt collection harassment, assisting with judgment recovery issues, and ensuring compliance with all relevant legal standards.
In addition to our legal services, we also provide public service information to help consumers understand their rights and navigate debt collection laws. Rather than suffer alone, contact our office to begin the process to stop the National Principal Group harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent harassment from National Principal Group call us at (877)700-5790 for immediate assistance or visit our website.
Success Stories
- “I had been dealing with nonstop calls from a debt collector for over two months. They would ring my phone at work, at dinner, even late at night. It got to the point where I dreaded answering my phone. When I contacted Consumer Rights Law Firm, they listened carefully, asked for the call records, and took action immediately. Within just a few days, the calls stopped completely. They also explained what my rights were under the law, which gave me confidence that I’d never have to tolerate that kind of treatment again.”
- “The constant robocalls from a debt collector were driving. I felt helpless until I found CRLF online. Their team was incredibly responsive and professional. They reviewed my case in detail, kept me updated at every step, and made sure the harassment ended fast. What impressed me the most was how much they cared about my situation—they didn’t treat me like just another case number. I highly recommend them to anyone facing phone harassment.”
- “I was skeptical at first about whether a law firm could actually stop the calls, but CRLF proved me wrong. They acted quickly, documented every instance of harassment, and sent the collectors a clear legal warning. The calls stopped almost instantly. I was amazed at how easy they made the process for me, and they were always available to answer my questions. It felt like they truly had my back from start to finish.”
Common Questions
Is NPG a scam?
No, National Principal Group has been in business for 4 years.
Can National Principal Group garnish my wages?
Yes, NPG can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.
Can NPG sue me?
Yes, NPG can sue you so long as the debt is within the statute of limitations.
Can NPG pursue a legal claim against me?
Yes, if NPG believes you owe a debt, they may file a legal claim to recover the amount. It is important to verify the legitimacy of any claim before taking action.
Can NPG collect on payday loans?
Yes, NPG may collect on various types of debts, including payday loans, credit cards, and personal loans.
Can NPG report my debt to the collections bureaus?
Yes, Debt collectors are allowed to place the collection account on your credit report.
Can NPG have me arrested or pursue criminal prosecution?
Debt collectors don’t have the authority to have you arrested for a debt, and criminal prosecution is not typically involved in debt collection. However, if fraud or writing bad checks is involved, law enforcement or prosecutors may pursue criminal prosecution. Also, if you violate a court order, e.g. an order to appear in court, the judge can issue a warrant for your arrest.
