Dena Standley | April 05, 2023
Summary: Online Information Services, Inc is a debt collector offering "debt recovery solutions" to credit providers. It collects utility, property, medical, and other delinquent debts. If you’ve been sued by Online Information Services, SoloSuit can help you respond and win.
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.
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.
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.
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.
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.
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.
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.
Here's a list of guides for other states.
Being sued by a different debt collector? Were making guides on how to beat each one.
You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now are are just look for support, we're here for you.
Is your credit card company suing you? Learn how you can beat each one.
Need more info on statutes of limitations? Read our 50-state guide.
Need help managing your finances? Check out these resources.
Out Debt Validation Letter is the best way to respond to a collection letter. Many debt collectors will simply give up after receiving it.
"Finding yourself on the wrong side of the law unexpectedly is kinda scary. I started researching on YouTube and found SoloSuit's channel. The videos were so helpful, easy to understand and encouraging. When I reached out to SoloSuit they were on it. Very professional, impeccably prompt. Thanks for the service!" - Heather