What is Online Information Services?

Dena Standley | April 05, 2023

Edited by Hannah Locklear

A call or letter from Online Information Services (ONLINE) may come as a surprise because it is a third-party debt collector. You did not sign original contracts with them, which may cause confusion about why they are contacting you. If the company has contacted you, it thinks you owe a third-party money and wants you to pay.

Online Information Services also develops tools to help providers recover bad debt and increase profits. So you can expect it to have all the resources it needs to track down consumers and coerce them into paying alleged debts.

Has Online Information Services contacted you about a debt? This article helps you understand how it works and how to handle its collection calls and lawsuits.

What is Online Information Services, and how does it operate?

ONLINE Information Services serves several industries as debt collectors. It collects for healthcare, utility, mortgage, and property management companies. ONLINE takes pride in its ability to track down consumers using robocalls and contact-tracking technology it has developed over the years.

Some may refer to Online Information Services, Inc by its alternative names; Online Collections, Online Mortgage Reporting, Online Rental Exchange, and Online Utility Exchange refer to the same company.

Consumers typically hear from ONLINE with regards to a past-due debt. The company calls on behalf of the original creditor to collect owed money.

The company has offices in Winterville, North Carolina. You can learn more about ONLINE on their website. Contact them at P. O. Box 1489, Winterville, NC 28590-1489.

ONLINE'S clients seem happy with the company, as evident in its homepage's testimonials. However, consumers feel differently, as the next section shows.

Online Information Services reviews

Although ONLINE is not accredited by Better Business Bureau (BBB), it has a profile where consumers can leave their complaints. The average customer review is wanting at just 1 out of 5 stars.

Over the past three years, ONLINE has closed 234 complaints on its BBB profile, 93 in the last year. One such complaint came from Ronni C, who said:

"This company is a complete scam. My 82-year-old mom received a notice from them yesterday saying she owed money. My dad NEVER let a bill go unpaid…. I called the company on the letter that OIS said she owed; she owed $0! ALWAYS contact the original company if OIS claims you owe someone money. Glad I did some digging!"

The narrative is similar to the Consumer Financial Protection Bureau (CFPB) database. Online Information Services has received over 1,000 complaints.

ONLINE'S robocalling system needs to be more accurate. Or it could be the company's way of getting as much money as possible from unsuspecting consumers. Whatever the case, you can stand your ground. Let's explore how.

How to Beat Online Information Services, Inc

Beating debt collectors starts with the Debt Validation Letter—a document you send to ONLINE requesting that it provides proof of the debt it's collecting. Evidence includes the original contract you signed with the initial creditor, payment history, how much you owe, and all supportive documents to show the debt is yours.

The company has 30 days to respond to your request. During that period, they must pause collection efforts.

If ONLINE cannot prove its claims, it must stop collection efforts. If they continue harassing you despite being unable to support their claims, you can report the company to the Federal Trade Commission (FTC). You can also take legal action.

Create your Debt Validation Letter.

How can I win an Online Information Services lawsuit?

If ONLINE sues you, drop everything and respond to the lawsuit before it is too late. Your Answer is crucial whether the debt is yours or not. Online Information Services may be banking on your ignoring the Summons so it can obtain a default judgment.

Although responding to court documents can be intimidating, filing your Answer is relatively easy. And SoloSuit helps you create one in minutes.

Respond to your debt lawsuit online with SoloSuit..

Want to learn more about the process first? Watch the following video:

You will likely meet Online Information Services, Inc as a debt collector. Your best weapons against it are a well-drafted Debt Validation Letter and a debt lawsuit Answer. Use SoloSuit to draft these customized documents online.

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

How to answer a summons for debt collection in your state

Here's a list of guides for other states.

All 50 states.

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Guides on how to beat every debt collector

Being sued by a different debt collector? Were making guides on how to beat each one.

• Absolute Resolutions Investments LLC
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• Crown Asset Management
• CTC Debt Collector
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• Educap
• Estate Information Services
• FIA Card Services
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• Freshview Solutions
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• Howard Lee Schiff
• Hudson & Keyse LLC
• Integras Capital Recovery LLC
• Javitch Block
• Jefferson Capital Systems LLC
• LVNV Funding
• Mannbracken
• Mariner Finance
• Medicredit
• Michael J Adams PC
• Michael J Scott
• Midland Funding LLC
• Mullooly, Jeffrey, Rooney & Flynn
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• MRS Associates
• National Collegiate Trust
• Nationstar Foreclosure
• Northstar Capital Acquisition
• NCEP LLC
• NRC Collection Agency
• OneMain Financial
• Palisades Collection LLC
• Pallida LLC
• Paragon Revenue Group
• Pinnacle Collections Agency
• PMAB LLC
• Portfolio Recovery Associates
• Provest Law
• PYOD LLC
• Reunion Student Loan Finance Corporation
• Revenue Group
• Regents and Associates
• RSIEH
• Salander Enterprises LLC
• Second Round Sub LLC
• Security Credit Services
• Sherman Financial Group
• Suttell and Hammer
• T-Mobile
• Transworld Systems
• Tulsa Teachers Credit Union
• UCB Collection
• Velo Law Office
• Velocity Investments
• Waypoint Resource Group
• Weinberg and Associates
• Wolpoff & Abramson

Win against credit card companies

Is your credit card company suing you? Learn how you can beat each one.

• Bank of America
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