Are you being called by North Shore Agency?* Here's what you need to know.
When you’ve experienced a financial setback and are struggling to make ends meet, you probably don’t have enough at the end of the month to pay down your debts. Once you miss a certain number of payments, your creditors may hire a collection agency to collect the outstanding balance. Many of these agencies will do anything to get your money, even disregard your rights.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) regulates what third-party debt collectors can say and do when trying to collect money from you. If they subject you to tactics like the following, they are breaking the law.
- Using profane or obscene language
- Refusing to validate the debt and prove that they are authorized to collect it
- Telling you that you can arrested or imprisoned for nonpayment of a debt
- Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
- Threatening action they are not in a position to legally take
- Failing to report a debt as disputed to the credit bureaus
Company Profile: North Shore Agency
If you are being called by North Shore Agency, information about the company is below.
North Shore Agency is a debt collection company located in Columbus, Ohio. It opened for business in 1971, has 11 to 50 employees, and is managed by Kevin Goodman. According to the company website, it has four facilities capable of producing over 800,000 letters daily. Civil litigation records retained by the PACER (Public Access to Court Electronic Records) website indicate that consumers who felt they were being harassed by North Shore Agency elected to confront the company in court.
Alleged Violations against North Shore Agency
According to PACER, in early 2011 North Shore Agency started trying to collect a consumer debt from a New York. The debt arose from a magazine subscription that the plaintiff had never ordered and therefore refused to pay for.
One collection letter, dated January 7, 2011, stated in various parts, “Be realistic. You don’t get something for nothing” and “It’s not the way it works and you know that.”
Feeling harassed by North Shore Agency, the plaintiff hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Using harassing and abusive means to collect a debt
- Using false, deceptive, and misleading means to collect a debt
The matter was later dismissed.
Hire an Attorney
The phone numbers for this collection agency are:
If you see any of them on your caller ID, be advised that you are being called by North Shore Agency. If they send letters implying that you are a ‘deadbeat’ or irresponsible, do not fall for their ploy and pay them- hire a consumer attorney instead. If you file a claim against North Shore Agency, you could be awarded $1,000 per FDCPA violation plus costs and damages. Even if you actually owe the debt, you have rights that debt collectors ignore at their own risk.
*Case taken from PACER (www.pacer.gov). File number is Case 1:11-cv-02874-RRM-RER from the United States District Court for the Eastern District of New York.
Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against North Shore Agency, or any other third-party collection agency, you may not be entitled to any compensation.