Easily Stop Harassment from Northern Debt Recovery

Have you received a notification stating that an old bill has been turned over to Northern Debt Recovery? Have you been getting repeated calls or a continuous stream of notices to your address? We understand if you may not be in a financial state to handle this old debt but debt collectors may not. Knowing what to say and how to deal with Northern Debt Recovery or other collections agencies will dictate your financial standing.

It may seem easier to simply ignore debt collectors with the hopes that they’ll eventually get tired of contacting you. This can lead to bigger problems though. DoNotPay can give you the legal guidance that you need.

We can help you with a multitude of debt collectors and work to get the situation resolved as easily as possible. Here are a few of the companies we've helped others resolve their debt with.

1. Lowell Financial
2. Marston Group Holdings
3. Provident Loans Refund
4. Advantis Debt Collection
5. DWP Debt Management
6. Moorcroft Debt Recovery
7. Amigo Loans Refund

Read further to find out how you can protect your rights when dealing with debt collectors and make a step forward to clearing your debt.

What Should I Do if Northern Debt Recovery Calls Me?

It can be nerve-wracking and sometimes embarrassing to receive a call from a collections agency, and in most cases, they're all associated with a sense of negativity. When a company like Northern Debt Recovery calls you, it's important that you answer and ask the right questions to clarify what you need to know about the supposed debt.

Tips for Dealing With Northern Debt Recovery Services

Some things to keep in mind when discussing your financial situation with a collections agency.

• Avoiding the call won't make them go away and they will continue to try to reach you.
• Verify the debt by requesting a written letter in the mail. This can give you additional time to save money if you know you need to and it can also allow you to double-check for any fees that aren't accurate. If you notice inaccurate fees then you can dispute the charges.
• Do not commit to anything just yet. Admittance can reset that statute of limitations on a collector suing you for what you owe.
• Negotiate and request a settlement. Once you've received your letter in the mail and verified the debt is accurate, see if Northern Debt Recovery will allow you to pay a smaller amount up front as a settlement and negotiate a payment plan if necessary

If you are uncomfortable dealing with Northern Debt Recovery on your own, there’s always DoNotPay to assist.

Is Northern Debt Recovery a Scam?

Northern Debt Recovery was a legitimate private limited company with the goal to collect debt on behalf of unpaid businesses. The collection company opened in July of 2009 and only operated for a short time of 5 years, opting to dissolve the company in May of 2014. It's uncertain if the debt agency went under or what caused the small team to part ways, but NDR is no longer an operating collector.

Here are the last known contact details for Northern Debt Recovery:

Has Northern Debt Recovery Violated My Rights

Just like any other collection agency, Northern Debt Recovery may be legitimate but some of their collection practices may border on harassment. Debt collectors are extremely driven to collect on debts but that doesn’t mean you have to take the abuse sitting down.

The law prohibits debt collectors from committing the following acts:

• Calling repeatedly throughout the day
• Call you at unacceptable times such as before 8 am or from 5 pm onwards.
• Call you at work
• Discuss your debt with people other than yourself such as your family, friends, or employer
• Coerce you into paying your debt by making another loan
• Demand payment when the debt is already statute-barred
• Use technicalities or legal terms to confuse you
• Pay you a visit at home or at work without any prior notice or your consent

How Can a Debt Collector Impact My Credit?

Sometimes it may feel that if you avoid the problem for long enough it'll go away, but that's not entirely true when it comes to dealing with debt recovery services. Debt collectors prioritize collecting unpaid bills, and they will send notice after notice as well as call you over and over again to get to some form of a settlement. They'll also add extra charges the longer your debt goes unpaid.

In worst-case scenarios, if you avoid talking to a debt collector for too long, they may take you to court and garnish your wages in order to settle the debt. The longer you avoid discussing how to settle or negotiate your unpaid bill with a company like NDR, the more reason they have to report the negative response to the credit bureaus. This can lower your credit score and make it more difficult for banks to trust you when it comes to lending you money for important purchases.

Even though the discussion can be one you don't want to have, negotiating your debt can save you a lot of time and future stress when it comes to your financial state.

Deal With Northern Debt Recovery Using DoNotPay

Handling debt with Northern Debt Recovery can leave you feeling defeated, but it doesn't have to! Whether you've been going back and forth with a debt collector for months or they've only just contacted you, DoNotPay can help you get on the right path to squaring away unwanted debt by helping determine the best course of action.

We'll request a letter of verification on your behalf and file a complaint if the collector is harassing you beyond legal limitations. Our goal is to help you find an efficient solution.

Just do the following steps to get started:

1. Search “debt collection” on DoNotPay.

2. Answer a series of questions about the debt collectors, including when you were contacted and how you were contacted, so we can determine if they have violated any debt collection laws.

3. Decide which course of action you want to take based on our guidance, such as filing a debt verification request, demanding for the collectors to stop contacting you, or reporting them to a professional trade association.

What Else Can DoNotPay Do?

DoNotPay can assist with more than just debt concerns. We can also help with:

• Suing anyone in small claims court
• Paying bills online
• Increasing credit limit
• Filing a complaint against any company
• Signing up on free trials without the risk
• Finding missing money
• Cancelling a service or subscription
• Settling bills

Getting caught in a financial crisis is never easy but DoNotPay is here to see you through. Sign up with DoNotPay right now to get debt help as well as other legal assistance that you may need.