J&L Teamworks


Is J&L Teamworks hurting your credit score?

Schedule a free credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

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 remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

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

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

Ready to Raise Your Credit Score?

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

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

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. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

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

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with J&L Teamworks

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a collection agency from using abusive, unfair, or deceptive practices. In addition, it provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • J&L Teamworks may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • J&L Teamworks must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
  • J&L Teamworks cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove J&L Teamworks From Your Credit Report Today!

Credit Saint can assist you in disputing J&L Teamworks collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless 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 give them a call at (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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