The North Shore Agency is a debt collection agency. They are headquartered in Valley View, Ohio. If you are being contacted by North Shore in the form of phone calls or demanding letters it’s regarding payment on an alleged debt.
They are a third-party collection agency. In other words, they have bought your debt account, North Shore did not actually lend you any money!
North Shore Agency
9525 Sweet Valley Drive
Valley View, OH, 44125
Who Is The North Shore Agency?
According to consumer reports the North Shore Agency primarily collects on small ticket debts. For example, there are reports of North Shore collecting on debts for Proactiv solution, a popular acne product. The North Shore Agency website says they collect on the following types of debt:
- Cable and satellite broadcast
- Medical services
- Government agencies
- And more
3 Steps Before You Pay The North Shore Agency
1. Identify The Debt & Original Dates
The North Shore Agency never sold you any products or services. Many consumers do not know why North Shore is contacting them? Because they have never conducted business with the North Shore Agency.
If you receive written communications the details of your debt account will be included. For example, in your letter from North Shore it often includes: Your name, your address, the amount of the alleged debt, and who that debt was originally created with.
In your letter they may claim you owe a debt to Proactiv Solution for the amount of $45.89. If this accurate, then you should check the dates of your original debt with Proactiv Solution. According to the Fair Debt Collection Practices the majority of consumer debts are only legally binding for 7 years.
After 7 years without payment or account activity, most consumer debts are required to be forgiven. This is called the statute of limitations. If your debt is beyond the statute of limitations, then you are no longer legally responsible for repayment. In addition, the credit bureaus should be notified to start removing collections from credit report listings that North Shore Agency reported about your account.
2. Validation of Your Alleged Debt
You should request that your debt is validated. This should be done before you submit any payments to North Shore. When you request debt validation, it is going to require that North Shore Agency show you documentation they have the legal collection rights on your debt.
And that your debt is within the statute of limitations. If the North Shore Agency is unable to provide you with the documentation, then your debt must be forgiven. North Shore Agency is also required to contact the credit bureaus and ask them to remove bad credit information they reported about your account.
3. Dispute Your Credit Reports
It is common for North Shore Agency to report an unpaid collection to the 3 major credit bureaus about your debt. This is a negative item to have on your credit history and will damage your credit score. However, you can file a dispute with all 3 of the major credit bureaus.
This is your way of requesting the credit bureaus investigate an item on your credit report. You will need to file this dispute by telephone, online, or by mail. We encourage you to file your credit bureau disputes by U.S. certified mail. This way you will have evidence that the credit bureaus received your dispute letter.
If the North Shore Agency is contacting you about a debt don’t just ignore it. This deserves your immediate attention. They just like all collection agencies are governed by strict federal laws. These laws have been passed to protect you and your rights.
Your credit report is one of the most important pieces of information about you! It directly influences your quality of life. It not only determines your interest rates, but is also now being used by employers during the hiring process.
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