ONLINE Information Services Inc is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
What is ONLINE Information Services?
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.
Have questions? Call us now at 475-277-1600 for a Free Case Evaluation.
Our services are absolutely FREE to you.
The harassing company pays our fees.
Is ONLINE Information Services a scam?
They’re legit. 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.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
How many complaints are there against ONLINE Information Services?
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.
Can ONLINE Information Services Sue Me or Garnish My Wages?
It is illegal for a debt collector to make empty threats 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!
In 2016, a judge in U.S. District Court, Eastern District of New York, denied ONLINE Information Services’ motion to dismiss Lande vs. 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.
ONLINE Information Services Calling You?
Federal laws protect you. The Fair Debt Collections Practices Act (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).
But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These laws provide individuals like you 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.
Consumers have reported this agency harassing them from the following numbers:
“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.”
Can You Help Me Delete ONLINE Information Services from My Credit Report?
The short answer is yes. We can help. Call us today.
Share your story
Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.