What to do if I receive Northstar Location Services settlement letter

Welcome to the community Confusedinlife.
I would think it best to make certain that Northstar Location Services can collect on this without a doubt and also to make clear their relationship to the original creditor. You can accomplish this by sending Northstar Location Services a debt validation letter (you can find a good template via my signature) be sure to send the enclosure with it, certified mail, return receipt requested.

Sounds to me like this is a legit debt if Northstar Location Services were able to provide documentation that it does indeed belong to you.

Just because a collection agency buys debt doesn't make them a non-legit company.

Hi. It sounds like Northstar Location Services have provided validation (JCMT, the OP did send a DV). Did the paperwork include a complete breakdown of all the charges? Did it include how much they sold the car for? You can also go through the contract carefully and make sure that whatever they are tacking on in fees, interest, etc, are listed in the contract and therefore legal. You need to check and see if this company follows your state????????s collection laws (like having a license or a surety bond).

You also should check your states Statute of Limitations, since you haven????????t made a payment in almost 4 years it could be either past or close to the SOL, which means Northstar Location Services can????????t sue you for the debt.

If everything is on the up and up and you simply have no method of paying it, the only other thing you could do is ignore it and hope they don????????t sue. I would be careful about payment arrangement as well if you are seriously strapped for cash, as it is a sad fact that a CA will eagerly accept even the smallest payment because this would bring the account back into SOL and then they could turn right around and sue you. So you need to consider all your options carefully. You should pay this off as soon as you are able, but perhaps try for a pay for delete or a settlement (you can get it reduced to only a fraction of the original cost, but make sure you do this with an agreement that the account will be considered paid in full.

I do have one question what if I sent them a letter saying I didn't want to work with Northstar Location Services but the original creditor, would that give me time?

Like most right now I am struggling to get my mortgage and current car payment made. I hate the fact that this debt still hangs over my head from a time in my life that was not good. I do know that I won't re-start it by making payment arrangments because at any given time I might or might not be able to make the payment. If they do sue me then I can file a slow pay with the court but I pray it doesn't come to that

The SOL for my state is 6 years across the board, would that be from date of last payment made?

Northstar Location Services did send a break down of the payments made and a copy of the original laon document although they are so small in print I can't read them. They also sent the document from when they sold the car at auction and what the balance was afterwards

abd of course they have a nice big ole license to do business in my state, I checked

Sounds like I am screwed

So does anyone have any ideas in regards to my above question

do have one question what if I sent them a letter saying I didn't want to work with them but the original creditor, would that give me time?

Well chances are Northstar Location Services own the debt so you won't be able to work with the creditor. However there is a chance. Call the creditor and find out.

I am on social security disability & have a very limited income. I went on a medical leave in Feb 2006 & could not return to work. I had purchased a 2005 Chev Aveo in Sept of 2005 & when I lost my job in 2006 I had to let my car go back. Last summer someone from Capitol One (original creditor) called me & I explained my situation with my health problems & why I had to let my car go back. He said he was going to put in that I get a medical write off because this was not my fault. I never heard anything until this yr from Northstar & I've got two different amounts from them that I owe. Is there a law if no one contacts you for several months that it automatically is dropped? Someone told me they thought there was. There's no way I can repay this. Is there any suggestions??

Very bewildered!!!

No, the debt remains valid until paid. But depending on where you live the time frame for collecting the court by use of the court is limited.

Contact Capital One and see what happened to your account, ask if it was sold to an agency.

Send Northstar Location Services a debt validation letter asking for proof that they are authorize to collect this debt and how they arrived at the amount owed.

Also if you are only receiving SS your money is safe it is illegal to take.

Regardless of Statute of Limitations, once you acknowledge the debt, they can start the clock over from the date you acknowledge the debt. After statue is up, they can't sue nor update it on your credit report. They can, however, continue to call and pursue the issue with you. You can stop the calls from this by sending a cease and desist notice among a few other things. Read up on the collection laws for your state.

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It's funny how some people use the term "Bottom Feeders" when refering to a collection agency like Northstar Location Services. Considering the amound of debt some americans owe, would it be reasonable to call those debtors "deadbeats". Could you imagine what would happen if everyone stopped paying their bills. Oh wait, it already has and were now in a depression. Soooo, remember for every bottom feeder calling you about a debt that you havent bothered to pay in over 4 years, which I highly doubt you "werent able" to pay, you helped bring us in a depression. I guess those people who are contacted by "bottom feeders" are the same people that signed up for sub prime bottom feeder loans, you know, the kind that you credit sucks and you are mentally not mature enough to manage your finances. Pay your bills, you won't have any problems and don't buy something you can't afford.

first off, nuggs, you need to find some reality--its highly doubtful that this person caused a recession because their car got repossessed. I can tell you with complete certainty that repos happen by the score regardless of economic conditions, so do us a favor and get off your soapbox with false information already.

to the original poster, please clarify for us--you said that you had not heard from a CA in about 4 years. What was the last payment YOU made on this debt? Not the activity that they applied to the account when they sold the car, the clock begins at the original date of delinquency. What do the records they sent you show as the date of your last payment? That is the date you start from with regard to SOL.

Keep this in mind--SOL does not wipe out the debt. You are still 100% responsible for your debts, no matter how old. What it CAN do for you, however, is get you more time because if this is past SOL it will limit their ability to try to force you into something now. But you do need to pay it--we dont advocate skipping out on legitimate debts here.

Please let us know about that date of last payment, and we can go from there.

welcome to another edition of trolls say the dumbest things.

our contestant is NUGGS he said.

what if everyone stopped paying there bills.oh wait it already has and now were in a depression.

well NUGGS.if that was true i guess you count as everyone too
huh?i love it when trolls prove there stupidity.

LOL Paul :D

post deleted.is that a fact?we are the bottomfeeders.well i couldn't care less what you think shadow...paulmergel

post deleted.if i had 1.00 for every troll post worse than that,i would be able to retire.i also lost count of the CA'S that are not licensed.JDB that threaten people because they have no legal recourse.not every person posting here is avoiding paying debt.get it through your heads...paulmergel

Above poster is correct delinquency goes across all income levels and ages. Some becasue of medical reaosns others divorce. If the S of L has passed this gives you a better position to negotiate a better settlement price. Possibly 20-30% of original owed. Also make sure this settlement comes with a promise to remove the negative info from your credit report. DOn't let anybody tell you this is not possible becasue I did it last year.

I did write a letter stating the SOL has expired and to stop calling and writing letters. well, low and behold a sheriff came to my door to serve me judgement papers for this debt. attorneys are getting involved with debt collectors because they too get a kickback just for using their name or they buy a debt collection company. the sheriff said that debt collectors are getting real slick. SOL does not mean a thing in north carolina. the judge made me pay the debt and the debt collector added more on for interest. they cleaned out my bank account and stress us every month. $1746.00 was the amount and they wanted 1300.00 up front and payments after that. i was mailing them 75.00 to 100.00 a month and they did not like that. now i am up to paying 200.00 for the next 2 months. there's got to be a way to stop them from being greedy when u are trying to pay them..

the ddebt was past the SOL and you still got a judgement against you.either the debt wasn't past SOL or this story is bogus.i don't believe for a second that a judge would risk the backlash of that ruling.

I have been making payments to Northstar on a Sears account that is past due. At first they were collecting 100.00, and now they went up to 144.00. Can they do this. I am all for paying my debt, I am doing what I can at this moment as I am just getting back to work and am paying more then one debt at this point. I am excited about getting to this point,but don't want to be overwhelmed by the amount I am paying.

northstar got my cell # listed as some lowlife's # that has not paid his bills repeated atepts to have my # from this person's account have thus far fallen on deaf ears perhaps my conversation today 3-6-09 will end,but if not what can I do?

Send them a Cease and Desist letter by CMRRR.

You people are morons to deal with a collection agency. I terrorize them. I crank call them! Just ignore them and change your phone ###-the degenerates will get tired of calling. Don't be a pusssy about it.

:( Speaking from experience, be leery of these people! I am not saying that they can not collect only that they are super shady!

My husband and I voluntarily repo'd a car after I had a bad accident in our other vehicle causing tons of bills. The account was in both of our names. When Northstar called, my husband set up a payment arrangement AND GAVE THEM OUR CHECKING ACCOUNT INFO! Later that night, I called and canceled the agreement. We decided to let our attorney handle it as we are using a consolidation company.

Anyway, they took the money out and said that I needed my husband to call and cancel and that they told me that...NO WAY! One gentleman said that they have no record of me calling while others see the above story! Now, they say that they have my husband's authorization recorded and they will use that to fight my claims! NOW THE BURDEN OF PROOF IS ON ME...BUT ON THEIR RECORDING!

:( Speaking from experience, be leery of these people! I am not saying that they can not collect only that they are super shady!

My husband and I voluntarily repo'd a car after I had a bad accident in our other vehicle causing tons of bills. The account was in both of our names. When Northstar called, my husband set up a payment arrangement AND GAVE THEM OUR CHECKING ACCOUNT INFO! Later that night, I called and canceled the agreement. We decided to let our attorney handle it as we are using a consolidation company.

Anyway, they took the money out and said that I needed my husband to call and cancel and that they told me that...NO WAY! One gentleman said that they have no record of me calling while others see the above story! Now, they say that they have my husband's authorization recorded and they will use that to fight my claims! NOW THE BURDEN OF PROOF IS ON ME...BUT ON THEIR RECORDING!

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If they're/you're doing their/your job properly, why are there so many lawsuits against them/you, especially in the past couple of years? Considering the fact that almost no one sues, could it be because you/they are one of the few debt collectors that hasn't yet figured out that the ECONOMY IS TRASHED and still act like it's the roaring 90's where fake money and plastic was just raining from the sky?!

("http://dockets.justia.com/search?query=Northstar+Location+Services")

Northstar is a collection agency? Sounds more like discrimination. I spoke with them today to try and settle a debt...I was told by a supervisor there that they don't care that I'm a single mother and the economy is so bad that half of the world is living with their parents. They proceeded to harass and threaten me over the phone...wow is all I can say. I work at the bank where they plan on taking their funds out so I have that taken care of. My lawyer will be handling the rest but for anyone looking to contact this company BEWARE! Do not do a check by phone...they are liars and cheats.

Can these folks come out and repo the car for capital one auto. I have not heard from capital one since 2006 when they charged the car off on my credit report. Now Northstar location services is calling with threats. I told them I was looking for work as I have been out of work 2 yrs and did not have money to pay 7 thousand dollars. They asked me to pay $100.00 a week and I have no money I am living with family

Norhtstar just contacted me for a dept that I assumed was setteled nine years ago. I couldn't pay off a credit card and it went to colleections. Collections wouln't consider a payment plan, so it went to court and a judge ordered half of my bank accounts surrendered. That was nine years ago and now Northstar wants to collect. Is this right?

Northstar is a fraud collection agency. I was sent to them because I lost my job and my credit card defaulted on same past payments. Once I started working again I settled my debt with NorthStar in which they never reported the settlement to the original creditor nor has it be reported to the credit bureau. So five months later Im still receiving letters from other collection agency regarding that same bill which I thought was pay off through Northstar.


Be Careful

you know its a funny thing about debt a majority of people don't plan on losing their job or illness or what ever but it happens. so it ends up in collection.here is the thing about it if you own a retail store you buy product and sell hopefully at profit but if you lose its you're loss.you can't go back to the customer and say i want more money you can't take the customer to court and sue.well creditors sell you money it maybe with terms were they collect their profit over time but it is still selling a product. so get on the phone call you're goverment official and ask why are the banks, credit companies and so forth getting special treatment about protection of their proffits they charge interest for their risk lower rates for secure higher for unsecure. thats their business thats their risk its their responsibility to asses the risk and like all others take a chance for profit.if the judicial system would quit protecting the lenders from their own negligent lending maybe yes in a perfect world things would be better and yes if some people more responsible about their spending. but the point is why do the lenders get special privileges to protect them from loss. just blowing off steam i have problems to lets hope things get better!

:mad:Ask question about a bill receive in the of balance $193.26 the account is **** my name Tony Robertson reach you this point concern about this bill i wasn't aware about also trying to get of Northstar location service at the number receive in business letter talk everyone who will respond back asap my is ***-***-****


Personal information removed, for your protection. - Uncle Wulf

Tony, please don't post your personal information online in a public forum!
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We are not Northstar Location Services. We are a community of people who help folks with debt and financial issues.

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I do not owe you people any money. I haven't financed any auto in years, I own two Dodge vans (one 1996 and one 2000)and one (1989) GMC pick. So please quit sending me this bill, Thank you for taking care fof this matter
Bill Williams Jr.

Im in the same boat.. i owe to capitol one and then Northstar bought the debt. If i call capitol I'm immediately rerouted to Northstar.

What you want to do is ask them to make a settlement and do payments. I owed 15,000 dollars and they settled for half over a 12 month payment plan. I'm one month away from being done. They will work with you. Kind of. haha. Good luck.

My sister was involved in a car accident in June of last year. She is severely brain damaged and in a health care facility. Her only income is social security which goes to the health care facility. After the accident I went through her finances and wrote to her creditors advising them of the situation. I have not heard from any of the creditors, however Northstar Location Services has sent a collection letter for one of the accounts, saying the account was referred to their office by the creditor for collection. I hesitate to call them for fear they will then have my number and start hounding me. My sister can not even speak, let alone handle her affairs. Any suggestions?

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Why do people think they can walk into a store...buy all their STUFF they just have to have...CHARGE IT!!!! and then not pay for it??????????????? HUM>>>>>>>>Isn't that STEALING!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

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Appearently you work for one of the bottom feeders......
Here is a little clue sherlock......2 years ago I had a 6 figure income, it left along with my job to Mexico.....I was left without....Northstar has called me numorious times......they are bottom feeders, dwellers what ever you care to choose.......I am not a dead beat and I took care of my bills until my job left.....sad you are quick to judge people for their losses....

nope guest the two above you work for THIS PARTICULAR bottomfeeder,and the only crime is how they buy junk debt and break the law in how they try to collect it.

Does anyone ever bother to read the contracts they sign ? You use the credit cards and like it or not the terms of repayment are there. Its a legal binding contract. Collections hs exsisted for years. If someone owed you money I am sure you would just sit back and wait till they decided to pay and never call them for the money. The fact that the fdcpa protects " the "least educated" consumer is ridiculous. You used money borrowed. You agreed to pay it back. No one made you use the credit card. So tired of the whining about bill collectors. They are out doing a job, getting a paycheck, paying the bills. Some should try it