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.
The harassing company pays our fees.
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.
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 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!
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Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Absolutely. You can sue a debt collector. Here are some Sample Cases 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 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.
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:
You may have a case, if…
“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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Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."
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I have 4 accounts according to them, 2 of them for the exact same amount. I have been paying on my hospital bill to another collector at the rate of $167, so where did these charges come from? Why are there four of them, and two for the exact same amount? I do not think these debts are associated with me.
I am a disabled veteran. I was hospitalized, and almost killed by hospitals. I was moved to 3 different hospitals, I was overdosed 3 times to the point of death by them, and in ICU almost a month. A ventilator was forced on me against my will, while conscious, and me telling them it was hurting me horribly. BEGGING them to remove it? It collapsed my lungs I still believe, but they deny this was the cause. I walked in on my own, and ended up unable to even walk in an induced coma that I awoke from apparently “out of it in shock”. I tore everything out, and damaged myself a great degree due to this torture. I partially started recalling much I had blocked weeks later. I had blocked much out. It was so traumatic. Now they want me to pay money for this living hell I experienced? The VA approved me going to the hospital, but did not pay all the bills. Now this company is harrassing me for money to pay my torturers? I have no insurance, and cannot afford parts B,C, &D of medicare, or co-payments. Part A pays pretty much nothing? This company is calling me, refusing to identify themselves, or what they want, yet demand to speak to me soliciting information without saying why, or who they are? Yet I KNOW it is over these hospital bills. I had to reseach online to find out who they are even. I live below poverty level, and am buried in debt til I die making payments for things purchased for the home on high charge credit that I cannot afford. But it is the only credit I can get due to hospital bills, and people like this. My life, my comfort down through my ill years, and now finally my health are ruined for these types of reasons. By people like this? Over hospital bills I realistically cannot pay…… These people are rude, and harrassing. Can I get them removed from my credit report, and my home phone I never authorized them to have without needing a lawyers fees added to my nightmare? I cannot afford a lawyer. Much less afford to pay off hospital debts I never agreed to pay? Unless they tricked me into signing agreements while I was partially [out of it]. Fighting to breath against a horribly painful machine against my will? While being overdosed repeatedly, and treated badly by at least the first hospital for sure? Only the 3rd one actually helped me that I know of? My quality of life has been completely diminished to practically living hell due to these occurances I cannot prove. Now I need pay for it as well, and be harrassed til I do?
I have had this phone number for 5+ years but they keep calling and leaving their robo message on my answering machine. Isn’t it illegal to robodial answering machines?