J&L Teamworks


Is J&L Teamworks hurting your credit score?

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Who is J&L Teamworks?

J&L Teamworks is a debt collection agency based in Lodi, California. They have recently undergone a merger with USCB America, another well-established collection agency.

If you see J&L Teamworks listed on your credit report, it usually indicates an unpaid debt they’ve been tasked with collecting.

Who does J&L Teamworks collect for?

J&L Teamworks primarily collects debts within the healthcare industry. This could include outstanding payments owed to hospitals, medical offices, or other healthcare providers.

As an intermediary between these creditors and the debtor, their role is to ensure that the original creditors recover the money owed to them while complying with the legal standards of the debt collection industry.

Is J&L Teamworks legit or a scam?

J&L Teamworks is a legitimate company. However, as part of their collection practices, they may make frequent calls, send texts, or emails. Some people might perceive these communication attempts as excessive or disruptive.

How can I remove J&L Teamworks from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

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They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

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J&L Teamworks Contact Information


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

Phone number: (800) 481-6006

Should I contact or pay J&L Teamworks?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with J&L Teamworks is to work with a credit repair professional. They help remove millions of negative items every year from companies like J&L Teamworks on behalf of their clients.

Will J&L Teamworks sue me or garnish my wages?

J&L Teamworks does have the ability to sue for unpaid debts. If they win a lawsuit against you, they might potentially be able to garnish your wages or levy your bank account. However, this action is typically a last resort and is only pursued after numerous unsuccessful attempts to collect the debt through other means.

Before J&L Teamworks or any other debt collection agency can garnish your wages, they first have to file a lawsuit, win the case, and obtain a court order that permits wage garnishment. Keep in mind that the laws surrounding wage garnishment can vary significantly depending on the state, so the specifics of your situation would depend on local laws and the details of your debt.

J&L Teamworks Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with J&L Teamworks

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • It is a violation of federal law for J&L Teamworks to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
  • J&L Teamworks cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • J&L Teamworks must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • J&L Teamworks cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove J&L Teamworks From Your Credit Report Today!

Credit Saint can help you dispute J&L Teamworks collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

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