ONLINE Information Services is a debt collection company that started business in 1994 and that is located in Winterville, North Carolina. They have a number of alternate names, including Online Collections, Online Mortgage Reporting, Online Utility Exchange, and Online Rental Exchange.
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According to the BBB, ONLINE Information Services is a legitimate collection agency. They collect on behalf of companies in the utility, property, mortgage, and healthcare industries. They boast of their predictive dialer technology (also known as robocalling equipment). Moreover, they say that their software is designed to prevent consumers from moving between service areas without paying, and to capture consumer information on the back-end to allow for effective tracing.
As of April 2017, the Better Business Bureau reported 87 closed ONLINE Information Services complaints within the previous three years, including 25 closed ONLINE Information Services complaints within the previous 12 months. The BBB gives ONLINE Information Services an A+ rating. In addition, Justia lists six ONLINE Information Services complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act, one alleging violations of the Fair Credit Reporting Act, and one alleging violations of the Telephone Consumer Protection Act. Furthermore, the Consumer Financial Protection Bureau (CFPB) lists 75 closed ONLINE Information Services complaints for 2016.
ONLINE Information Services, Inc.
685 W. Fire Tower Road
Winterville, NC 28590
ONLINE Information Services Phone Number: 800-765-8268
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely OIS would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
Absolutely. Here Is A Sample Case Filed in Federal Court
In 2016, a judge in U.S. District Court, Eastern District of New York, denied ONLINE Information Services’ motion to dismiss Lande v. ONLINE Information Services for alleged violations of the Fair Debt Collection Practices Act. According to the judge’s decision, the consumer claimed that ONLINE called him and left a prerecorded message on his answering machine that identified the caller as a debt collector and that the call was an attempt to collect a debt. The consumer stated that the outgoing message on the answering machine indicated that multiple people in the house used that telephone number, and that the message – which could be heard by anyone – was a violation of the FDCPA’s prohibition against communicating debt-related information to third parties. ONLINE Information Services argued that the voicemail warned the consumer to listen to the information in private and instructed third parties to stop listening before the content of the message was revealed. The court’s opinion pointed out that this didn’t protect a debt collector from liability, and also rejected ONLINE Information Services’ other arguments. The court ruled against the debt collection agency’s motion to dismiss the case, and allowed it to move forward.
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB).
The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency
Folks have told us that they have received OIS collection calls from these phone numbers:
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are recieving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
We can make them STOP!✋
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200 NOW.
What Our Clients are Saying
“Thanks to the team at Lemberg Law, I have peace of mind again. They worked quickly to get the harassing calls ended and were super considerate whenever I spoke with them. I appreciate the hard work!”
“Thank you so much for handling my case. In the past, I didn’t trust attorneys. I had bad experiences and didn’t believe lawyers fought for you anymore. You have restored my faith. You took on my case, never asked for a retainer, and you won without ever having met me. Thank you.”
“Thank you again. Should I face difficulties in the future, I will not hesitate to contact you or recommend your services to others.”
The short answer is yes. We can help. Call us today.
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