Have you been receiving calls from 800-955-6600 and wondering why? If so, you’re not alone. Many people report getting repeated calls from this number, often with a message claiming to be from Capital One. But what’s really going on?
In this article, we’ll break it all down for you. We’ll explain who’s calling, why they’re calling, and how to stop the calls. Plus, you’ll learn how to handle debt collectors the right way and protect yourself from scams. Let’s dive in!
What Is 8009556600 and Who’s Calling You?
If your phone keeps ringing with calls from 800-955-6600, you might assume it’s a scam. But in most cases, this number belongs to Northland Group, a debt collection agency working on behalf of Capital One.
Northland Group is a real company, not a scam. Their job is to contact people who have overdue payments and try to collect the debt. Sometimes, they are calling on behalf of Capital One, and other times, they may have bought the debt from Capital One and are now trying to recover the money themselves.
Even though the calls are legitimate, that doesn’t mean you have to put up with them. You have legal rights when it comes to debt collection calls, and there are steps you can take to stop them. Keep reading to learn more!
Why Is Northland Group Calling You?
Debt collectors like Northland Group call when a person misses payments on a loan, credit card, or other financial account. If you owe Capital One, Northland Group may be calling to remind you about the debt or to arrange a payment.
Sometimes, companies sell unpaid debts to third-party collectors. This means even if you originally owed money to Capital One, the debt may now belong to Northland Group. Their goal is to recover the money, either by setting up a payment plan or offering a settlement.
If you don’t recognize the debt, don’t panic. It’s important to confirm whether the debt is actually yours before making any payments. We’ll cover how to do that next!
Should You Answer Calls from 8009556600?
You might be wondering: Should I answer these calls or just ignore them? The answer depends on your situation.
If you owe money, answering the call can help you get more details about your debt. It also gives you a chance to negotiate or request proof of the debt. However, if you’re not sure the debt is real, be careful about sharing personal information over the phone.
Ignoring the calls won’t make them stop. If you don’t respond, they may keep calling, send letters, or even take legal action. The best move is to find out if the debt is real and then take the right steps to handle it.
How to Confirm If the Call from 8009556600 Is Legitimate
Before making any payments, it’s important to verify that the debt is real and that Northland Group is legally allowed to collect it. Here’s how:
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Ask for a written notice: Under the law, debt collectors must send you a letter within five days of first contacting you. This letter should include the amount you owe, the original creditor’s name, and how to dispute the debt.
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Look up the agency: Search online for Northland Group or call their official number (888-287-5711) to confirm the debt is real.
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Check your credit report: You can get a free copy of your credit report from sites like AnnualCreditReport.com to see if the debt is listed there.
If something seems off—like the debt doesn’t belong to you or the collector refuses to provide proof—you may be dealing with a scam.
Your Rights Under the FDCPA (Fair Debt Collection Practices Act)
The Fair Debt Collection Practices Act (FDCPA) protects you from harassment and unfair treatment by debt collectors. Here’s what they can’t do:
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Call you before 8 AM or after 9 PM.
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Contact your friends, family, or workplace about your debt.
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Call you multiple times a day to pressure you.
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Use threats, abusive language, or misleading information.
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Refuse to provide written proof of your debt.
If Northland Group violates these rules, you can report them to the FTC (877-382-4357) or the Consumer Financial Protection Bureau (855-411-2372).
How to Stop Calls from 8009556600 for Good
Tired of the calls? Here’s how to make them stop:
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Ask them to stop calling: You can verbally request that they stop calling you. However, this may not prevent future calls.
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Send a Cease and Desist Letter: This is a formal request asking the agency to stop all communication with you.
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Settle or dispute the debt: If you owe the money, you can negotiate a settlement or request a payment plan to resolve it.
Stopping the calls doesn’t erase the debt. If you owe money, they may still take legal action to recover it.
What Happens If You Ignore Calls from 8009556600?
Ignoring debt collection calls won’t make the problem go away. In fact, it could lead to:
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More frequent calls as they try harder to reach you.
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Negative marks on your credit report, which can lower your credit score.
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A possible lawsuit, where they take legal action to collect the money.
If you ignore the lawsuit, they might win by default, which could lead to wage garnishment or bank account seizures. That’s why it’s best to deal with the situation sooner rather than later.
How to Settle Your Debt with Northland Group
If you do owe money, there are a few ways to settle the debt:
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Pay in full: This will close the account and stop collection efforts.
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Negotiate a lower payment: Many collectors accept less than what you owe if you can pay a lump sum.
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Set up a payment plan: If you can’t afford to pay all at once, you may be able to make monthly payments.
Whatever option you choose, get everything in writing before making a payment. This ensures that the agreement is legally binding.
Final Tips to Protect Yourself
Here are a few last things to keep in mind:
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Keep records of all communications with debt collectors.
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Monitor your credit report to stay on top of your finances.
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Seek professional advice if you’re unsure how to handle a debt situation.
Debt collection calls can be stressful, but you have rights and options to protect yourself. If 8009556600 is calling, now you know exactly what to do to stop the calls and handle the situation the right way.
We hope this guide has been helpful! If you’re dealing with debt collection calls, don’t wait—take action today.
(FAQs)
Is 800-955-6600 a scam or a real debt collector?
No, 800-955-6600 is not a scam—it belongs to Northland Group, a debt collection agency working for Capital One. However, scammers may spoof this number, so always verify before sharing any personal information.
What happens if I ignore calls from 800-955-6600?
Ignoring these calls won’t make the debt disappear. Northland Group may increase call frequency, report the debt to credit bureaus, or even file a lawsuit against you, leading to possible wage garnishment.
Can I make Northland Group stop calling me?
Yes! You can send a Cease and Desist letter, which legally forces them to stop contacting you. However, this won’t erase the debt, and they may still sue you if you owe money.
Can debt collectors take money from my bank account?
Only if they sue you and win in court. If you ignore legal notices, they could get a court order to garnish your wages or freeze your bank account. That’s why it’s important to respond if you’re being sued.
Can I settle my debt for less than what I owe?
Yes! Many debt collectors accept lower lump-sum payments to close accounts. You can negotiate a settlement, but always get it in writing before making any payments.
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