If a. If you've been contacted by a NJ debt collector, SoloSuit can help you respond. If Aldous and Associates has sued you for debt, the first step to beating them in court is to respond to the Summons and Complaint. Debt collectors usually call consumers in a hurry to convince them to make debt payments without confirming any information or tracking the communication. It’s much more established than many other debt collectors, and its decades in the industry have given it time to expand. In most cases the creditor has reassigned your account to another debt collector who will work with you going forward. Debt Collection Services. A debt collector calls you before 8:00 a. 1-800-390-7584; 800-289-8004; 800-955-6600. How to contact Superlative RM. It will take at least a month, and probably a few trips to the post office, to get ARS off your credit history. Summary: You have 21 days to respond to a debt collection lawsuit in Colorado, and you must pay a fee ranging from $80-$192 to file your Answer document in the court. Debt collection laws in all 50 states. is accredited by the Better Business Bureau (BBB) with an A+ rating. Successful: You can relax knowing you'll stop CBE debt collections. £17,734 per year. Whether they’re. 3. T: (888) 675-9760. New Hampshire Statute of Limitations on Debt. ARC has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), such as threatening to take actions that cannot legally be taken and failing to provide written verification of a debt. Any information obtained will be used for that purpose. That gives you room to negotiate. Bank of America. Get the debt taken off your credit file. Fortunately, ARC Debt Collection provides effective solutions to simplify and expedite the debt recovery process. You could receive $1,000 per FDCPA violation in addition to your legal costs, so taking action against a debt collector that violates the law can pay off. Arc is a debt collection agency with offices in Walton-on-Thames. The estimated salary for a debt collector is $15. Normally, you only have 14-30 days to respond to the Summons and Complaint in Alabama before you lose by default. or ARS is a legitimate third-party debt collection agency founded in 1992 and based in Indiana. You reached at the last stage of this article. Each missed payment hurts your credit. For example, they can file a lawsuit against you or report negative information to a credit reporting company, although that won’t. This validation information includes the name of the creditor, the amount you owe, and how to dispute the debt. We carefully comply with all applicable laws and regulations in the. Get legal help with zero out-of-pocket. Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live. 1. C. However, it is much safer for you to deal with the issue. ARSC - What does. ARC Management Group 1825 Barrett Lakes Blvd Ste 505 Kennesaw, GA 30144. January 13, 2022. ARC Collections Contact Information: Physical address: 10712 W. If you do owe money, see if Sunrise Credit Services will agree — ideally in writing — to get the the collection removed from your credit report in return for payment of the debt. Obtain a copy of your credit report from each of the three major bureaus - Equifax, Experian, and TransUnion. Debt collection laws in all 50 states. Kirschenbaum, Phillips & Levy P. One of our team will be in touch as soon as we can to assist resolve your matter. This means that the debt on an account had to be at least $2,700 or more for credit card companies to consider the lawsuits costs worth. 1-800-390-7584; 800-289-8004; 800-955-6600. Our collectors. You should receive a validation letter. Say you don’t owe some or all of the money, and ask for verification of the debt. Make a plan to pay off the debt. Consumers have rights thanks to the federal Fair Debt Collection Practices Act (FDCPA), which prohibits collectors from tactics that include: Calling you more than once per day. The most important regulations for debtors are contained in Title 5 Chapter 392 subchapter D, which bears the title Prohibited Debt Collection Methods. Debt collection laws in all 50 states. So, if you see 11 Charter Communications on your credit report, it's probably because you have an unpaid debt with Spectrum internet. ARC Management Group 1825 Barrett Lakes Blvd Ste 505 Kennesaw, GA 30144. Leslie H. m. At this point, you will receive a complaint, followed by a summons from the court. If you don’t have a printer at home, you’ll need to find another way to print the letters you need to send. You're entitled to a free copy once a year. tries to attack it but the Stand is invincible. You also can locate a collection agency with just the phone number from your caller ID or voicemail by typing the number into a search engine. But you might have got example #2 from an article online. Stop calls from debt collectors. According to survey of consumer views on debt conducted by the Consumer Financial Protection Bureau in 2015. The estimated salary at The Arc ranges from approximately $20,000 per year for Bus Driver to $75,432 per year for Associate Director. Second Street. 1. The Department of Education can take up to 15% of disposable pay from your paychecks for the defaulted loan. This federal law prohibits debt collectors from practices that include: Contacting you more than once per day. Use SoloSuit to fight off debt collectors before, during, and even after a. Without admitting the debt is yours, get information from the debt collectors before. ARC is licensed to collect debt nationwide* and internationally, operating under the mission that we COLLECT WITH RESPECT. ARSC is a debt collection agency that may call you multiple times to ask about a debt you owe. These interactions are usually hostile and feature unethical, improper pressure tactics to try and persuade you to pay the amount owed. How To Know If A Debt Collector Is A Scam | Bankrate. Phone Number. SoloSuit can help you respond to a student debt lawsuit. Remember that debt collectors pay, on average, 4 cents for every dollar of debt that they buy. Click here to send a message or toll-free at 888-395-2774. The Arc Debt Collector in Missouri makes about $20,000 per year. Washington Deadline for Answering a Debt Collection Summons. They’ve been working as debt collectors since 2001 and registered as a private limited company. Here are some key points. Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them. Address: 1825 Barrett Lakes Blvd Suite 505 Kennesaw, GA 30144 USA . (678) 486-5200. F. This can be a helpful way to know more about the debt, as well as tell whether or not it’s a scam. You should respond by filing a written Answer into the case. American Express; American Express – Debt Collection. According to the same report, the average litigated account balances ranged from $2,700 to $12,300. They will also notify the credit bureaus of the collection account. ARC Management Group. ARS offers a complete and competitive service with. Consumers are First with NMRC. Address: 2173 Macdade Blvd. F. , is a debt collection agency. O. Effective strategies for how to get back on track after a debt lawsuit. and PRA Group Inc are the largest players in debt collection, according to IbisWorld, the market research firm . The estimated hourly pay at The Arc ranges from approximately $7. In general, a creditor, with a few exceptions, needs to have obtained a court order after a successful debt collection lawsuit to effect a wage. There are three steps a debt collection agency or a department follows when reaching out to you. This agency also conducts business under the name CF Medical VI LLC. One such measure is the proper service of court documents to the opposing party. If you've been contacted by a NJ debt collector, SoloSuit can help you respond. Instead, give one of the strategies below a try to get the collection agency removed from your credit report: Send a debt validation letter; Arrange a pay-for-delete agreement; Hire a credit repair company; 1. An opportunity has been provided to dispute the debt and obtain verification pursuant to the Fair Debt Collection Practices Act. If Professional Finance Company is representing a debt collector who is suing you for a debt, follow these three steps to respond to the lawsuit. He wears a hat, suit and glasses. In doing so, the Customer Service aspect is our top priority along with the retention of your customer for the future. Responding doesn’t mean you’re agreeing that you owe the debt or that it is valid. The collector. NMLS ID 1553960. Include a section where you assert your affirmative defenses. The debt collector sues Scott for the amount owed plus court costs and attorney fees, which equals about $500. Name * Address ARS Account Number Client Name Home Phone Cell Phone Email * ARC offers customizable resolution for debt recovery, providing a single center solution to meet all the needs of managing accounts for your service and/or products. Summary: When debt collectors contact you about a debt you owe, they must provide specific information about the debt within 5 days of their initial contact. Absolute Resolutions Corporation. Following these three steps has proven to help consumers like you beat debt collectors like CCS Offices. Solutions. Fields marked with * are required. Marine Corps veteran, who already had 20 years of. Under Australian law, a debt collector must not: use physical force. Advanced Recovery Services, Inc. They are also known as ARS, Associated Recovery Services, Associated Recovery Services National Inc. Caller ID : 888-675-9760. or after 9:00 p. Having a debt in collections is more common than you may realize. A debt collector cannot contact you at your place of employment. Medical debt is complex to collect. Check the Iowa statute of limitations on debt. 7%. What do you think? Indeed. 16. Debt Collector. And now China is the biggest debt collector in the world,” said Ammar A. Defenses to Collection of Rental Debt. Instead, they’ll tell you to pay the IRS electronically, or send a check, made out to the US Treasury, directly to the IRS. Being subjected to countless phone calls, threatening letters, and other forms of intimidation by an unscrupulous debt collector is a nerve wracking and generally unpleasant experience for most people, including residents of Kansas. last reviewed: OCT 19, 2023 Can a debt collector contact me about a deceased relative’s debts? Generally, no one else has to pay back debts for a person. Stop calls from debt collectors. The search result may contain results from. If you’ve been sued by Unifin, SoloSuit can help ask them to validate the debt and respond to the lawsuit, increasing your chances of winning in court by 7x. When you're ready to settle your debt, use SoloSettle to start the process. 1-800-390-7584; 800-289-8004; 800-955-6600. Debt collectors report accounts to the credit bureaus, a move that can impact your credit score for several months, if not years. The company serves hundreds of creditors, from cell phone providers to the federal government. Is this useful?. See full list on lemberglaw. Sometimes several times. A debt collector is a person or agency engaged by a company to recover its debt due to selling goods and services that have exceeded the accepted payment terms. Though you can pursue a debt collector career with a high school diploma, earning an undergraduate degree in a related field can help increase your chances of finding a debt collection opportunity and make your resume more noticeable to employers. ARSCLIB has been created to be a forum for discussing issues of concern to individuals who are responsible for caring for recorded sound collections within institutions. Consumers can reach them by calling the Summit Account Resolutions phone number at 888-222-0793. A bill collector's job is to try and help the person pay what they owe, which should help improve the debtor's credit score, and also help the business owner. One of the most important debt collection laws in New Hampshire is N. Buzzfile estimates ARC’s annual revenue at $5 million and the size of its staff at 38 people. Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them. in their time zone. Stop calls from debt collectors. ESC has an outstanding list of clients consisting of collection. Unifin is listed as a collection agency and collection systems provider. The company best placed in Victoria in our national ranking is in position #335 in terms of turnover. But it can be downright frightening when the caller uses lies, profanity and threats to try to get you to pay. Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them. * For MI residents- In some situations, there may be a fee depending on which benefit you are entitled to. Company. A debt collector calls you before 8:00 a. com. com Advanced Recovery Systems Inc. Here are 3 tips you should following in making your Answer: File the Answer with the court, and send a copy to the plaintiff. 1. Hours: 8AM - 5PM CT Monday thru Friday. This is extremely common, with around 50% of judgments being from debt-collection lawsuits. Consider an undergraduate degree. Phone for Clients: 770-799-2696. If you had future automated payments set up with us, the arrangement has been cancelled and the transaction will not process. Contact Advanced Recovery Systems. If you have been paying the previous debt collector, just. When ARSC calls you about a debt, it is vital to ask them to verify it is yours by sending a Debt Validation Letter. 1-800-390-7584; 800-289-8004; 800-955-6600. Marilyn Manson, The Debt Collector (取り立て人マリリン・マンソン, Toritatenin Maririn Manson) is the eighth story arc in Stone Ocean. Stop calls from debt collectors. Here’s a list of guides on how to resolve debt with different creditors. You will have 20 days to file an answer with the Washington court once you are served the Summons and Complaint, according to Washington Rules of Civil Procedure Rule 12 (a) (1-2), which states: “ (a) When Presented. They. This is an attempt to collect a debt and any information obtained will be used for that purpose. 1-214-469-1838. It is not BBB accredited and has a B- rating. C1311-1005. a. In fact, they may find alternative ways to collect it from you. If you have been contacted by ARC collections, you need to know your rights under the Fair Debt Collection Practices Act. Stop calls from debt collectors. Under either name, the company collects exclusively on behalf of medical and health care providers. A debt collection agency is a company that acts as middlemen, collecting customers’ delinquent debts—debts that are at least 60 days past due—and remitting them to the original creditor. S:Under RCW 19. Receiving never-ending calls from Capital One gets old pretty fast. Based on the Dragon Ball franchise, it was released for the PlayStation 4, Windows, and Xbox One, in most regions in January 2018, and in Japan the following month, and was released worldwide for the. “Man, I can't wait for this collector to sue me!” — said no one ever. In a case announced today, the FTC says a debt collection operation in Charlotte, NC pretended to be lawyers. It narrates the tense bet between Jolyne, Ermes and Foo Fighters, and Miraschon who dares the trio to throw a ball between them one hundred times. These companies have an estimated turnover of $ 1. If you are a victim of debt harassment, you can make the calls stop and receive up to $1,000 from [tag-title]. Debt collection laws in all 50 states. The Fair Debt Collection Practices Act (FDCPA) is a federal law that governs how debt collectors (including a bank that collects its own debt under another business name) operate and. Unfortunately, a debt collection agency can take as long as they want to respond to your request to validate an existing debt. Debt Collection. It could be anyone, including Joe Dirt. It’s much more established than many other debt collectors, and its decades in the industry have given it time to expand. Box 26244, Tampa, FL 33623, its phone number is 844-421-7501, and its email is info@gtmcorporation. Summary: In a court of law, sewer service is the act of intentionally failing to serve a notice of complaint to a defendant. What is Absolute Resolutions Corporation – ARC? Absolute Resolutions Corporation (ARC) is a third-party collection agency based in California. They. may call you to: Collect payment. Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them. Any HMRC debts, for example, will stay enforceable for decades. The rights of debtors and the obligations of debt collectors are spelled out in the Fair Debt Collection Practices Act (FDCPA). You have the right to dispute the debt, and the debt. Phone number: 844-729-2772. Box 967, Elk Grove, CA 95759-0967. 219 Katherine Drive P. Grange Avenue, Hales Corners, WI 53130. NMLS ID 1553960. Superlative RM is an accounts receivable management business that works to assist creditors with recovering past due balances from consumers. The estimated additional pay is. You can also reach the company through email at [email protected] has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), such as threatening to take actions that cannot legally be taken and failing to provide. RMA Certification Number: P1503-1102Ask for a goodwill deletion. NV License Number FCA10669. Utilizing state-of-the-art computer systems and a predictive dialer, our agents are able to. In state office: Colorado Manager Inc. In Sherri’s case, the debt is legitimate, so she sets up a payment plan with the Northland Group to address the debt and stop the unwanted calls. Stop calls from debt collectors. Stop calls from debt collectors. The job seems easy enough, until a client drags him into a situation deeper than could ever be anticipated. Map. They’ve been working as debt collectors since 2001 and registered as a private limited company. The Fair Debt Collections Practices Act passed in 2021 forbids debt collectors from harassing, oppressive or abusive actions. Building a high income sales career starts here. Summary: Unifin is a debt collection agency that collects on student loan debt, medical debt, and other types of debt. or after 9 p. has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including threatening to take actions that cannot legally be taken and harassment. One of the most important debt collection laws in Mississippi, and elsewhere across the country, is the Fair Debt Collection Practices Act (FDCPA). Should you need to contact the company by mail, you can send documents to P. NMLS ID #: 1678180. Summary: In a court of law, sewer service is the act of intentionally failing to serve a notice of complaint to a defendant. Typically, they can only speak to your supervisor or commander. Call you more than seven times in a seven-day period. unduly harass or hassle the debtor. If you believe that you have been subjected to unfair or harassing treatment by any of its employees, ARSI urges you to contact our Compliance Department directly online. You might see debt collectors referred to as creditors, first-party debt. They also limit how much a creditor can garnish from an account where your benefits are deposited, or protect a minimum amount. In other words, credit card companies sue about 14. A debt collector career often requires sound. 5. Respond to a debt lawsuit against Aldous and Associates. Learn more about the company and how you can stop harassing debt collection calls. However, any message they send must clearly state that it comes from a debt collector. Contact You at Home. KT12 2TU. CreditFresh debt collectors have often violated the law,. 1. or after 9 p. Home » Is ARC MANAGEMENT GROUP LLC a scam? Answer: NO. The reasons for court action by debt collection agencies are quite simple – they think that you owe them money and you haven’t paid it. Anyone who says they’re collecting for the IRS and asks you to make a payment over the phone is a scammer. ARS Collections is a debt collection company You may not have to pay your debt (paying it may hurt your score) Call now to find out if you can remove ARS Collections from your. 401(k) View more benefits. ARC Management Group Phone Harassment Examples. Absolute Resolutions Corporation ARC debt collection agency is bound by the Fair Debt Collection Practices Act. If you’ve recently gotten a call from (785) 271-1000, Berlin-Wheeler is probably trying to reach you about a debt. This salary trends is based on salaries posted anonymously by Jeanne D'Arc employees. Encore and Portfolio Recovery Associates Must Refund Millions of Dollars and Overhaul Debt Collection and Litigation Practices . Call you before 8 a. Check out this video to learn more about these three steps to responding a debt lawsuit. 25 per hour for Technician to $27. Unfortunately, there are a number of debt collection agencies that actually purchase debts from third parties and utilize. In addition, there are state laws that provide protections against unfair and deceptive. Tips on you can to file an FDCPA lawsuit against a debt collection agency. ARC Management Group Phone Harassment Examples. While being contacted by a debt collector might feel overwhelming, talking with them can help you get more information about the debt. Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them. The average The Arc salary ranges from approximately $37,417 per year for Support Coordinator to $74,588 per year for Director of Communications. National Management Recovery Corporation works with consumers to find a resolution to outstanding accounts. 1-800-390-7584; 800-289-8004; 800-955-6600. Each of these messages must include instructions for a consumer to opt out of receiving those. It was founded in 2001 by Jeff Korn and Brian Fleming and is currently headquartered in Oak Brook, Illinois, with an office in New York City. Arc is a debt collection agency with offices in Walton-on-Thames. 1-800-390-7584; 800-289-8004; 800-955-6600. Track the source of the debt by reaching out to your creditor to see if it has any information about the debt in question. Miraschon starts to walk back to the prison. Stop calls from debt collectors. They also purchase debts from other debt collection agencies including the Arrow Group. Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them. below national average. Challenge the right to sue/burden of proof. IF ATTEMPTS TO COLLECT FAILS FILE SUIT - If we are unable to collect the account in a voluntary manner and it has been determined that an account has sufficient assets to pay, Arc Services. According to survey of consumer views on debt conducted by the Consumer Financial Protection Bureau in 2015. If you do not have this letter available, please contact our Collections department at (800) 694-3048 (For English) or (800) 694-3397 (Para Español) to. They were trying to collect ~$2350 for medical bills dating back to 2011. or after 9:00 p. However, even with its high BBB rating, the Consumer Financial Protection Bureau reports many complaints against A. To verify a debt collector, ask them to provide: Their name. 1-800-390-7584; 800-289-8004; 800-955-6600. If you've already received the Complaint, the clock is already ticking. This time limit is called the " statute of limitations . take unfair advantage of any vulnerability, disability or similar affecting a debtor. Email: [email protected] your income and expenses to work out how much, if anything, is left over. Wage garnishment is not one of the easiest things to come to terms with, especially if you are in a bad financial situation. Opening hours. Phantom debt collectors impersonate law firms. Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them. Just as you wouldn’t jump into a contract without understanding its terms, don’t rush to make a. Sometimes, it is important to restate the obvious: Job No. 254. Also in. File the Answer with the court and serve the plaintiff. We deploy state-of-the-art technology to secure our data, optimize our processes, and reinforce our foundation of compliance. Phone number: (855) 211-4677 or (866) 224-9822. Phone for Consumers: 866-510-9754. Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them. Gen. Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them. 9 Work At Home Online Debt Collection jobs available in Ogden, NC on Indeed. Search job openings, see if they fit - company salaries, reviews, and more posted by Jeanne D'Arc employees. Advanced Recovery Services, Inc. · Equifax: Visit the link or call 888-378-4329. What is Absolute Resolutions Corporation – ARC? Absolute Resolutions Corporation (ARC) is a third-party collection agency based in California. P1807-1288, Year Certified: 2018"Over $100bn (£68. Local, state, and federal agencies hold debt collectors, collection agencies, collection law firms, and finance companies accountable for every phone call, letter and text they may send. 1-800-390-7584; 800-289-8004; 800-955-6600. 3. ”. Dispute the Debt Within 30 Days. You may contact Superlative RM by phone at 888-441-4544 or by email at customercare@superlativerm. Churchfield Road. Also, you don’t owe the collector $1000, because they only paid $100 for your debt. Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them. • Calling you multiple times per. A debt collector cannot use vulgar language during a phone call with you. Accounts Receivable Service Corp is a third-party debt collector located in Holmes, Pennsylvania. I was called by a debt collector this past Friday (3 days ago). The agency must comply with your request upon receipt of the letter. Most common ARSC abbreviation full forms updated in October 2023. The creditor sold your debt for $100 to a debt collector. Calling the debtor before 9 a. Stop calls from debt collectors. Debt collectors can only take money from your paycheck, bank account, or benefits—which is called garnishment—if they have already sued you and a court entered a judgment against you for the amount of money you owe. ARSC has been a party to a Federal Court case several times. 1 is to verify the debt exists. Debt collection notices are probably. A free inside look at company reviews and salaries posted anonymously by employees. Debt Collector at Austin Regional Clinic: ARC Austin, Texas, United States. This fee is a one-time payment and does not affect the amount of your ongoing payments. Monica Johnson. Debt repayment issues amid global economic headwinds from the Covid-19 pandemic and the war in Ukraine,. Causing a telephone to ring repeatedly with the intent to annoy the debtor. 06 (1) (a) states that you have 20 days to respond in Wisconsin. Calling you prior to 8 a. Telephone number. Visit rma consumer resources. How to Dispute a Credit report and Win;. Should you wish to contact the company, here’s H&R Accounts contact information: Address: 5320 22nd Ave, Moline, IL 61265. The company details can be found on the Companies House website. Weekdays and weekends: 9am to 9pm. We have the privilege to service many of our nation’s most recognized banks, financial institutions, retailers, universities and debt purchasers. Surrey. The discussions are expected to have a narrower professional focus than the main ARSCLIST, discussing issues such as collection policies, deaccessioning, cleaning,. Check out this video to learn more about these three steps to responding a debt lawsuit. It lists its mailing address as P. Avadyne Health Contact Form. Stop calls from debt collectors. Yes. 1-800-390-7584; 800-289-8004; 800-955-6600. Obtain a copy of your credit report from each of the three major bureaus - Equifax, Experian, and TransUnion. This payment was made freely and voluntarily with the intent to pay off a debt and obtaining a letter of satisfaction. com DisputeHere is a look at how to contact ARC debt collection. If you’ve been sued by Unifin, SoloSuit can help ask them to validate the debt and respond to the lawsuit, increasing your chances of winning in court by 7x. Home; Your Rights. Getting calls, or receiving notice of a lawsuit from debt collectors. Here's a video with more info on Debt Validation Letters. Respond to each claim listed in the Complaint, and deny as many as possible. State and federal laws limit how much a creditor can garnish from your wages. As you fall behind on the payments, the debt is typically reported to the credit reporting bureaus as 30 days late, 60 days late, 90 days late, etc. You have 30 days to dispute a debt by sending a Debt Validation Letter. Before proceeding with the debt collection, a collector shall ensure the genuineness of the debt and carry out an independent analysis. Address: Northstar Location Services, LLC 4285 Genesee Street Cheektowaga, NY 14225. M.