Northtown Capital Services Group Phone Harassment?
Are you suffering from Northtown Capital Services Group Phone Harassment? Being in debt is a situation most individuals never want to experience, sadly it happens to even the best of us. This might lead to you receiving harassing calls from Northtown Capital Services Group (NCSG). Debt collection agencies such as Northtown Capital Services Group (NCSG) have one goal: RECOVER DEBT! They try to do so in various ways that might not sit well with you the consumer.
Some debt collection agencies go as far as threatening the consumer, badgering them with unending calls, calling their workplace, and generally trying to make life impossible for them in their bid to recover a debt. If you are experiencing any of this, it must be a very frustrating time for you, you definitely would simply want it to stop, and for everything to just go away. Sadly debt doesn’t work like that and debt collectors cannot be wished away. This doesn’t have to haunt you or make you depressed, why? Because there’s good news!
The government has put laws in place that protect the consumer from Northtown Capital Services Group Phone Harassment, these laws are called the Fair Debt Collection Protection Act (FDCPA). These laws do not prevent you from paying your debt, rather they prevent debt collection agencies from treating you unfairly or going against your human rights while trying to collect a debt. The FDCPA prohibits collectors from contacting you before 8 am and after 9 pm, it frowns on collectors threatening you or your loved ones, using profane abusive words with you, posing as an attorney or a Government official, trying to make you pay more than you owe or even talking to third parties about your debt when they have no business knowing about it.
Now that you know what Northtown Capital Services Group (NCSG) is not allowed to do, what then should you do when contacted by a Debt collector?
What should I do if Northtown Capital Services Group contacts me?
- Know your rights
You can start by educating yourself on what is permissible by law and what is not. Acquaint yourself with FDCPA laws that tell you when your rights are being violated and when you have become a victim of Northtown Capital Services Group Phone Harassment. It is very possible to sue a debt collection agency when they have broken the law. If you win, you can be awarded up to $1,000 dollars in statutory damages.
- Don’t bury your head.
It would be detrimental to pretend that the debt or debt collection agency does not exist by trying to ignore calls, messages, or even court notices. By law, you can send written requests to the debt collection agency to verify your debt within 30 days of initial contact. It is wise not to dillydally around a debt that isn’t yours because a debt collector can input negative things into your credit report which can stay up to 7 years and can alter your ability to get mortgages, cheaper car Insurances or even jobs.
- Get Legal
It is immensely important to seek legal advice from a consumer lawyer. Find a lawyer who specializes in consumer law as your legal adviser or representative should a debt collector sue you. A lot of times consumers get scared when they receive a court summon which makes the collector win by default even with little evidence of the initial debt owed. If you ever get sued, be sure to make a court appearance. You can get in touch with an A+ credited consumer right lawyer on 877-700-5790.
- Always Document
Remember to always keep records. Contacts made to you by debt collection agencies or messages sent and received should be stored. It is also very important to keep records of debt settlements and resolutions should issues concerning your debt arise in the future. It is not surprising for people to be contacted over their debt after 10 years, especially student loans.
- Protect your accounts.
You can get sued by a debt collection agency as a final attempt to get you to pay up, freezing, or monitoring your bank account can have an adverse effect on your life. To avoid this, consider having a separate account for funds like social security and disability checks, as these cannot be used to offset court-ordered debt payment,
Who is Northtown Capital Services Group?
Northtown Capital Services Group is a third-party debt collector located in Buffalo, New York. The company provides Billing and Accounts Receivable services to customers across the United States.
Address: Buffalo, NY 14225-1980
Phone: (833) 807-6656
Things you need to know about the FDCPA
The Fair Debt Collection Practices Act (FDCPA) is a federal law in the US, that gives the legal guidelines on the acceptable actions of third-party debt collectors who collect delinquent debts from debtors on behalf of another individual, otherwise known as a first-party collector or original creditor. The guidelines contained in the Fair Debt Collection Practices Act (FDCPA) are essential regulations to guide the lawful operations of debt collectors and debt collection companies in the US. These guidelines help to limit and restrict certain methodologies and techniques of debt collectors that tend to end in harassment even though they may prove effective in the collection of the debt.
Some of the guidelines contained in the Fair Debt Collection Practices Act (FDCPA) limit the number of times in a day that debt collectors are allowed to contact debtors, the time of the day debt collectors can contact debtors, the manner in which debt collectors can contact debtors, and even restrict the use of offensive language during communication with debtors by the debt collector. This act ensures that the debt collector does not contact the debtor at inappropriate times which is usually listed as before 8 am in the morning or after 9 pm at night, except in cases where communication during such hours was previously approved by the debtor for contact with the debt collector. Any call from the debt collector in a time period outside of this acceptable time frame is considered illegal and a violation of the debtor’s rights.
Debt collectors are also allowed under the Fair Debt Collection Practices Act (FDCPA) to call debtors, send text messages, emails, or letters to them to remind them of the debt owed, and request for a signed agreement of them agreeing to a payment plan towards repaying the debt when it has not even been confirmed through a proper validation letter.
However, it is a violation of the FDCPA for the debt collector to use offensive words, lies, insults, or any inappropriate innuendos in their letters, emails, or during a telephone conversation to the debtor to force debt payment. It is also a violation of the Fair Debt Collection Practices Act (FDCPA) for the debt collector to show up at the debtor’s place of work or other places of engagement if the debtor has previously disapproved of such unpleasant meetings (whether in written form or verbally), with the debt collector.
When a debt collector contacts a debtor with the aim of collecting a debt owed by the debtor to another individual, they need to supply the debtor with a written validation notice within 5 days of contacting them. This written validation should contain;
- The details of the amount of debt owed to the creditor
- The information of the creditor like the name of the creditor and other necessary information.
Furthermore, a debt collector contacting acquaintances or relatives of a debtor to give information about the debt owed by their friend or relative is illegal. The debt collector is only allowed to contact relatives and acquaintances of the debtor to get the contact details of the debtor without revealing the details of the debt owed. The details of debt owed can only be disclosed to the spouse or parents of the debtor (in cases where the debtor is a minor).
Violation of this Fair Debt Collection Practices Act (FDCPA) can result in a lawsuit in a state court or a federal court against the erring debt collector and the debt collection company for any damages caused to the consumer during the unethical process of debt collection. However, the Fair Debt Collection Practices Act (FDCPA) is not a law to prevent debtors from paying up what they owe their creditors. Additionally, a friend who calls you up to remind you of the debt you owe to them and the need to pay back is not a debt collector according to the Fair Debt Collection Practices Act (FDCPA) guidelines. The Fair Debt Collection Practices Act (FDCPA) only functions to protect debtors from harassment, abuse, and the inappropriate or violent behavior of third-party debt collectors that collect debts for a living.
What compensations are offered under the FDCPA?
Debtors that have had their right violated or have been harassed by debt collectors have the right to sue the debt collection company involved to the court of law. The FDCPA provides room for compensations to debtors that have had their rights violated through the means of an FDCPA lawsuit.
Some compensations, for damages caused by debt collectors, offered by the FDCPA during a lawsuit include:
- Monetary compensation to cover for the treatment of any physical distress or illness the illegal action of the debt collector might have caused the debtor.
- Monetary compensation for any emotional distress, damages, or monetary loss that the illegal action of the debt collector has caused the debtor.
- The debtor suing a debt collector who has violated the Fair Debt Collection Practices Act (FDCPA) can be awarded up to $1000 in a lawsuit as compensation for psychological, emotional, or physical damages from the debt collector.
- Monetary compensation for the attorney fees paid by the debtor to their attorney for representing them in the lawsuit against the debt collector.
- The court can give a court order that prevents or put a stop to the illegal actions of the debt collector like telephone harassment, excessive letter sending, or violation of the privacy of the debtor.
Is Northtown Capital Services Group a Scam?
According to the Better Business Bureau website, Northtown Capital Services Group has been in business for 1 year. Read more about the company and the various complaints lodged against them by dissatisfied consumers: Northtown Capital Services Group Better Business Bureau
Northtown Capitol Services Group Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
833-807-6656, (833) 807-6656, 8338076656
If the answer is yes, then you are receiving calls from a known NCSG number. You may be a victim of NCSG phone harassment. Call a qualified consumer rights attorney on 877-700-5790.
Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors. If you suspect that your debt collection rights are being trampled upon, contact our office to begin the process to stop the harassment you may currently be receiving from Northtown Capital Services Group. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.
Call us at (877)700-5790 for immediate assistance.
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