How to Remove J&L Teamworks From Your Credit Report

Updated

Call for a free consultation to learn how to remove inaccurate negative information from your credit report.

If J&L Teamworks appears on your credit report, it usually means an unpaid medical bill or healthcare-related debt has been sent to collections. Having a collection account on your report can significantly hurt your credit score and make it harder to qualify for loans, credit cards, or even housing.

Here’s what you need to know about J&L Teamworks and how to try to get them removed from your credit report.

Who Is J&L Teamworks?

J&L Teamworks is a debt collection agency based in Lodi, California. They focus on collecting unpaid debts, primarily for healthcare providers such as hospitals, clinics, and medical offices. The company has merged with USCB America, another collection agency, though some accounts may still appear under the J&L Teamworks name.

If you’ve fallen behind on medical bills, J&L Teamworks may be the company reporting the debt to the credit bureaus.

Who Does J&L Teamworks Collect For?

J&L Teamworks works mainly with:

  • Hospitals
  • Healthcare systems
  • Medical practices and clinics

Their role is to recover unpaid medical bills and other healthcare-related debts on behalf of their clients.

Is J&L Teamworks Legit or a Scam?

J&L Teamworks is a legitimate debt collection agency. They are authorized to collect debts on behalf of healthcare providers. However, it’s important to confirm the debt belongs to you and verify the amount before agreeing to any payment.

How to Remove J&L Teamworks from Your Credit Report

Collection accounts can remain on your credit report for up to seven years, but there are steps you can take to try and remove them sooner:

  • Dispute inaccurate information: If the debt isn’t yours or the details are incorrect, file a dispute with the credit bureaus.
  • Request debt validation: You have the right to ask J&L Teamworks for written proof that the debt is valid. If they can’t provide it, they must stop reporting the account.
  • Negotiate a pay-for-delete: Some collection agencies may agree to remove the account from your credit report in exchange for payment. Always get this agreement in writing.
  • Work with a credit repair professional: Experts can help challenge negative items and improve your chances of getting the account removed.

Ready to Clean Up Your Credit Report?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Should You Contact or Pay J&L Teamworks?

Before contacting J&L Teamworks or making any payments:

  • Verify the debt is yours
  • Confirm the balance is accurate
  • Know your rights under state and federal laws

Paying off a collection without a clear strategy can sometimes reset the reporting timeline, keeping the account on your report longer. Many people work with credit repair professionals to avoid this mistake.

Can J&L Teamworks Sue You or Garnish Your Wages?

Yes, J&L Teamworks has the legal right to sue for unpaid debts. If they win the lawsuit, they may:

  • Garnish your wages
  • Levy your bank accounts

Debt collectors typically only pursue lawsuits after other collection attempts fail. Wage garnishment laws vary by state, and they must win a court judgment before taking this action.

J&L Teamworks Contact Information

Address:
J&L Teamworks
651 N Cherokee Ln
Lodi, CA 95240

Phone Number:
(800) 481-6006

J&L Teamworks Complaints

Like many collection agencies, J&L Teamworks has received consumer complaints through the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common issues include:

  • Inaccurate credit reporting
  • Harassment or excessive phone calls
  • Failure to verify debts

If you experience these problems, you have the right to file a formal complaint and dispute the information.

Your Rights When Dealing with J&L Teamworks

The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) protect you from unfair collection practices:

  • You can dispute inaccurate items on your credit report
  • You can request written debt validation within 30 days
  • Debt collectors cannot harass, threaten, or use abusive language
  • They must clearly identify themselves as a collection agency
  • They cannot threaten arrest or legal actions they aren’t authorized to take

Understanding your rights gives you more control when dealing with debt collectors.

Get J&L Teamworks Removed from Your Credit Report

If J&L Teamworks is hurting your credit and you want help, consider working with a trusted credit repair company like Credit Saint. They’ve helped thousands of people remove negative items from their credit reports—and they even offer a 90-day money-back guarantee for added peace of mind.

Ready to clean up your credit? Visit their website or call (855) 281-1510 to get started.

Brooke Banks
Meet the author

Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.