I feel very sorry for the folks that work there! They must be miserable people! First of all they are very rude. They are unprofessional and call you to collect a debt at unreasonable hours when they say they dont do that. WRONG! They called me several times before 8am. Unacceptable! Their balance is NEVER EVER correct. I call the original account that I actually owe to and their balance coincides with mine always, J&L NEVER does and they will talk to me like Im an idiot. I will not pay more than what the original company says I owe. They can send my debt to the credit companies all they want. That measly little point will not affect me! read more

Not sure if I've ever been as blatantly lied to as I have by them. I have an account in collections that was a work-related injury, so obviously I'm not going to pay it. However they would give me no information on how to contest it with the original debtor because they said that I would just be referred directly back to them. So I demanded information and I was given simply a medical office name from which I had to do my own digging, but they maintain they don't own the debt so they can't negotiate anything. Seriously unethical, not sure why I'm writing a review other than the fact that I hate them, Elizabeth included for lying to me. Also, Elizabeth, that account is being pulled out of collections now. You're a horrible person. read more

They are not as horrible as some bill collection companies. The only issue that that they start off great, and then become rude when they don't get the answer they want, which I assume is because they get a kick back for payment. I have a secondary insurance that pays for all of my additional medical bills, they just take forever to do so. So this company won't see a dime, and my secondary will only deal with the medical company directly. So my answer will never change no matter how many times you call. :) Best advice is you get farther with people if you are nice to them. They should try being nice. read more

I just got a call from them regarding another transferred PAMF bill that was already paid...however to say *I* got the call would be a lie. They took my WORK area code and prefix, then made up the last 4 digits which in no conceivable way could have been a typo, etc. This resulted in an unknown colleague calling me, telling me "Ummmhhh, hi I don't know you but this is the third call I've received from them asking for you; they just say its in regards to a private matter. Is it okay to transfer them?" To make matters worse, I have my records from the same visit to PAMF where they only have my cell phone number...which I have no record of them ever trying to contact. So basically they used the group number from my insurance to find my company and just make random guesses at suffixes until they reached a human. Unprofessional, illegal, and ignorant to boot, since like many others, this debt has been settled. read more

THIS PLACE IS HORRIBLE!! They will harass you with phone calls - EVEN WHEN YOU ARE PAYING MONTHLY. They will send you MULTIPLE LETTERS (I RECEIVED 6 ALL ONTHE SAME DAY) and they will never give you an exact amount of how much you have paid to them so that you can check their accounting. Which - BTW - SUCKS!! You will never see how much you pay them for Interest, Late Fees, Penalties, etc. THEY DON'T WANT YOU TO KNOW!!! They tell you that you are not "ENTITLED" to that information - Which by law they have to give you!! Do Not Use them if you can AVOID IT!!! read more

Send them this letter: J & L Teamworks 651 N Cherokee Ln Ste B2 Lodi, CA 95240-4267 Phone: (209) 333-5040 Now that you know who they are and have their address, send them this "Drop Dead" letter VIA Certified Mail and request a return receipt. If they continue calling after you have written proof they have received your letter, they can face fines of up to $1,000.00 PER violation: Date Your Name Mailing Address Your City, State, Zip Re: Notice to Cease Contact Regarding Debt for ______________________ Name of Collection Agency Mailing Address City, State, Zip I am notifying you in writing that your agency has contacted me regarding a debt for [name of person who collector is contacting you about]. No one by that name lives at my address or phone number. Therefore, I am requesting that you cease all communication to my phone number regarding this person's debt. If you persist in believing that [name of person] is somehow connected with my address and/or phone number, please provide proof of your claim. You should direct all future correspondence in writing as outlined in the Fair Debt Collection Practices Act (FDCPA) and to cease all communication with me by telephone. Lastly, I would like to receive confirmation in writing that you have received this letter and will no longer be contacting me about this other person's debt, or I will be forced to seek further legal action. I look forward to your acknowledgement that you have received this notice by [date that is two weeks from date of letter]. Sincerely, read more

Why if it says one amount on my credit report, are you people telling me that it's more? They refuse to REALLY settle- all they do is remove 50% of their interest.... On something that is literally 5 years old. No point in arguing, It's gotta get paid to move forward in life! read more

Worst agency out there. I don't know how they are still open. Very unprofessional and bunch of idiots keep transferring me and telling me to call back later because they are in a meeting. The so called supervisor telling me to go somewhere else To take care of your debt and threatening me. Bunch of idiots just sitting behind the phone acting tough read more

These charlatans get one star because there is no facility to grade 10 Raspberries. They are nothing short of intimidators. Their tactics are harassment. I have been constantly bombarded with demands from this amateur outfit for a debt that does not exist. Day after day I'm relieving demands with every increasing nonsensical interest charges. Their only answer - when I call - is "pay your bills". The Manager has no more grasp of customer service than an elephant has of tightrope walking. My advice to anyone dealing with this outfit is to go armed with a lawyer. read more

I received a phone call from this company asking for my ex-roommate... whom I haven't lived with for almost five years. I was at work and so the message went to voicemail, but the woman on the phone spoke so quickly I couldn't understand the name of the company. I had to Google the phone number to figure out who was calling me. I have zero idea why they are calling me to get at my ex-roommate (again, whom I haven't lived with for FIVE YEARS). Whether the ex-roommate owes something or not, I don't know and it's none of my business, and they shouldn't be calling me to get at them. I blocked their number. read more

No starz!!!! Horrible debt collection company..charges $12 to use debit/credit card transactions..$3 mail in check..... outrageous! Became unemployed so i couldnt make payments which i explained to the worker...called back to resume payments now im charged extra fees and they couldnt help at all "nothing they can do"...bull$h#t!!! Interest rates even when your paying your payments read more

I'm so irritated with this company, they've been bugging me for years, since I was a teenager! They twll me how much I owed back in 2014, then they told me I made a payment of a certain amount, but I did not. I asked who made the payment and they said they can't release that information. IT'S MY ACCOUNT. If someone can access my social and address, why can't you tell me???? read more

I wouldn't give this place even half a star! Terrible customer service, rude, and demanding! I've asked for a breakdown of my bill I get it 3 weeks later I ask to be billed by mail not once did I get a letter because they want to charge you over the phone so they can charge you a fee! Sky high fees at that. Oh and God forbid I talk to someone who actually knows what they are talking about get your company and employees together look at your ratings that's so terrible! Every call I get it's something new. Happy I don't have to deal with this company anymore! TERRRRIBLEx10 read more

This company just called my phone looking for a family member. I wouldn't tell them Anything until they would tell me what their company does. Very rude. Refused to tell me what they do. They just kept telling me their company name. Nobody knows what your company is just be the name. I told them they had to tell me what their company does before I'll answer their questions. They hung up on me. Why not identify your self as collections rather than hang up. If my family member owes $ it must be by accident and I can tell her the collection agency is calling so she can call and clear it up. Just saying your name over and over is unprofessional. You could be trying to sell paper for all I know. I had to google them to figure out what the company does. read more

negative stars.... this company has been calling me at work without stating their purpose, who the company is, or any other information. This is a violation of the FDCPA and I urge people to read this law and respond to this company appropriately. After reading everyone's reviews, it seems this is how this particular company operates. Know your rights before you contact them!!! I suspect many of their actions violate this law. read more

I was referred to this company by Sutter Medical Foundation to pay a medical bills of mine that I wanted to pay off but couldn't pay the amount Sutter wanted me to pay. However I was laid off back in August and went on unemployment and was on time until this past month when my unemployment benefits didn't arrive until 2 days before the bill was due so it was going to be late unfortunately. They just called this morning but didn't leave a voice mail. What the heck?? I had to look up the phone number to learn it was J&L teamworks. You'd think any debt collector would know that sometimes things happen and a bill is late and be thankful it was paid..late or not....and that they'd At least leave a voice mail. Hope I never have to deal with them again once this bill is paid. read more

I would give them negative stars. I had payment ready to mail, and had spoken to someone less than a week before sending it in to make sure I had the right amount. They called me the day I was going to send it in to let me know that I owed more money due to late fees. I sent in the checks, and was glad to be done with them, but they called back a month later, stating that they never received my checks. I had to call my bank and have them fax over proof that J&L was the one that cashed the checks. How incompetent or inefficient can a company be to cash TWO checks with all of my information on them, and not have any evidence that they cashed them?!?!?! Forcing me to do extra work that I really don't have time to do, since I work 112 hours in 2 weeks and go to graduate school, making the extra work I had to do because of their stupidity, even more aggravating. read more

Unprofessional and RUDE! Called in 2 different times and had 2 different people and I could not believe how I was being treated. Not helpful at all. read more

This place is not professional they do not know what they are doing they are not even aware of what collections they have when I called I called to make arrangements and the girl wanted to hang up without giving me any info on where to mail payment, and wanted to get off the phone so fast without sharing any info read more

Getting calls from these people to my cellphone for a person I've never met. They leave rude messages and don't take my name off the list even though I insist I have no idea who they are asking for. I am going to report them for harassing me. Can't imagine anyone looks for a bill collection company on Yelp, but if you do-steer clear of this company. read more

Awful. I just tried to clear things up with them but they told me that it wasnt there job to verify if the claim was actually justified or not. So they think they can post on my credit without actual proof. read more

I had some medical bills that I couldn't pay $100/month per my medical center's guidelines so I was referred to them. We set up a $50/month payment plan and I was informed not to send anything until I get a statement from them. Our agreement due date was the end of the month, and they don't even generate their statements until pass mid month. So, you'd have to send in your payment prior to getting their statement just to avoid further harassment. I'll be glad when my bills are paid so I won't have to deal with them again. read more

This company called my business without stating their business. They then asked to speak to someone who had died over six months ago and who had nothing to do with my business. The only way I could find out what this company does was to google them on the internet. The person who they were calling about died over six months ago. I do not like my time wasted with telemarketers or companies like this who do not make it clear what they are calling about or giving me a reason to call them back. read more

This company does nothing short of harassment. They called without identifying themselves and sent letters over a matter that had been resolved 2 years before. I will sue them for harassment if they continue to contact us over a matter that does not exist. read more

These people have been calling me. Dispite my efforts to get them to tell.me what their call is regarding, they either hang up or I get transfered and then get hung up on. read more

If I could give 0 star I would. If you love being called and harassed by rude customer service everyday than this is the company for you. I tried to pay my bill online, but of course their website is also incompetent! read more

Terrible. PAMF should be ashamed to do business with them. They call and demand payment for medical bills that have already been taken care of. They demanded that I pay them or accrue interest and so on and when I called PAMF they reassured me that my bills are all paid and I didn't owe any money. They insisted on trying to pressure me to pay them instead. Luckily, I just called the PAMF billing office and they said it's a good thing I didn't pay. read more

worst company ever called and didn't say what for but to just call back had to look up the company found out its collections because of sutter health foundation all because my daughter wasn't prime yet on my husbands insurance read more

I just received a call from a girl who was extremely rude and then hung up on me. I have no idea who they are or why they are calling me.

Beyond unprofessional! Was called in for an interview, arrived 15 minuets early, and hour and 15 mins later i asked to see the woman whom i was supposed to meet with and her incompetent staff struggled to find her. Another 5 minuets later and still nothing i left there sad building. The next i called to follow up with this mystery woman, and there HR department did not seemed phased by what i had told her and thought it was funny. I feel very sorry for anyone who does business with this company. And based on the many reviews a head of mine, i am not the only one. read more

It's the first time I receive phone calls from some kind of collection company. I don't know how these companies normally work, but this one sucks. The agent is so mean and rude. When I told them that the bill has already been paid in full, they didn't believe me, and said that they doubt it. I am not sure if this is because they have seen so many people lying about making payments, but I was definitely offended by such comments. This is absurd! It's unprofessional and rude. Can you first learn to communicate like a normal human being before starting working? Show your respect to people, man. F*****, J & L. read more

These people are AWFUL they agreed to accept my payment of $50 a mths which I have paid every myth for the last few years. Recently they have been saying that it is no longer enough abd that they insist I pay more. They call and harass me trying to make me feel guilty. Lately I haven't been able to pay them due to financial changes. They have went so far as to call my 72 yr old grandfather and even harass my in laws. I don't know what to do anymore. Can they take me to court if I am unable to pay them? read more

They called my cell phone and I didn't answer. When I searched the phone number, It gave me the result of this company. I have nothing to do with your company, stop calling me. read more

This business is unprofessional and unethical. We had a dispute with the medical organization providing us with health care services for our daughter. Once the matter was cleared, my wife promptly paid the bill. More than 2 weeks later we are on vacation AT MY PARENTS HOME and we get a call from this so-called bill collection agency. This number is an emergency contact number, so why are they calling it??? Plus, the bill was PAID IN FULL, so its not our issue anymore. Man, my wife was livid. And PLUS, since my own mother answered this call, we have to explain this to my mother and bring her into it??? A--holes. We always pay our bills off on time all the time and being delinquent is a big thing for our household. To get a call from these people at my parents is like a slap in the face when we did not owe anything anymore. The nerve. A lot of stress caused by these people all for nothing. read more

I have been dealing with this sorry excuse for a professional collection agency for 9 months. After an emergency trip to the hospitable, I waited to see what my health insurance would pay. Immediately J+L were on the phone to me using intimidating tactics to get a payment. I agreed and asked for monthly bills so that I could budget the payments. I'm on a fixed income and every bill gets paid every month. Surely J+L could see that from my credit For 7 months in a row, I received a call on the day that the bill was due. I never get a bill from them. I have talked to supervisors and the collectors that call. Every employee refuses to say that they will get a bill to me. It's always somebody elses job! When I went as high up as I was allowed, the women in charge assured me that a bill would be coming from now on. I received one bill the following month. But again no bill this month. Instead I got an evening call to pay because I'm late. I am 67 years old and have paid ALL of my debts through my life. J+L just assumes that you are some sort of deadbeat. This is a poor service and a poor collection agency bordering on incompetence and out right criminality. THESE GUYS REALLY SUCK. THEY ARE THE WORSE AND MOST INCOMPETENT OF ANY AGENCY I HAVE EVER DEALT WITH. read more

I was turned over to these folks for collection because medical records did not reflect my correct telephone contact and no one was able to reach me by phone to advise or talk about the bill. The correct phone number was provided over and over again since last summer '15. I received no notice that my account was in jeopardy of being turned over. I spoke with J&L and they agreed to $50 a month payment (total bill was $202). I went online to make second payment and their online payment center would not accept the agreed amount. When I called them to make the payment they wanted to charge $12.50 to accept it and they charge $10 a month interest. On a small account as mine is, the interest is overbearing and loan shark. I refused to pay that amount and mailed check. read more

Sutter Medical mistakenly sent my tiny bill of $26.44 to these people for collections - after I had already paid them by phone. Got a notice in the mail from this place, so I call & get ans machine. Left a message that it would be helpful to tell people your hours of operation & No I will not leave a message about personal business with a company/people I don't know. So far I don't care much for them & their website doesn't give any info unless you sign up to set up an acct which I do not want to do. From reading all the other comments I'm going to have 'great fun' with these guys. :) read more

Received a call from them on my cell asking to speak to my husband and informing me the call was being recorded. I told the woman, who identified herself as Patricia, that I was his wife and she was calling my cell. Told her I would take a message. She gave me her name and a number (different from the one she was calling from), when I asked her what the call was regarding she said "a personal matter". Told her I would need something more than that, she said she needed me to verify that I was my husband's spouse (she called me and I had already stated I was his wife). I asked her why and she said I could be lying (why?). I told her I would need more info to pass on the message. She said she didn't care whether or not I passed it on, she would just record that. I told her I would pass on her info to the police. After I got off the phone, I called my husband, he said he had received a call from them about a week ago and didn't trust them as they were calling on a medical bill that we had never been billed for and was not showing up as an outstanding bill when he looked on our Sutter account. He had followed up with Sutter, found out there was an error on Sutter's part in billing us and had already paid the bill in full. Unfortunately Sutter forgot to tell these horrible people that it was their error and to back off. read more

This place is absolutely terrible! I had a small medical bill that went into collections and when J & L Teamworks picked up the collection, they called me nearly every day. I finally got in touch with them and asked that they send me physical documentation of my collection so that I could create a file for it. I told them that until I had this physical documentation, I would not be making any payments. They said they would get it in the mail as soon as possible. I never received anything. A month later, they called to collect their payment. I refused to pay them. The woman grew very frustrated and upset with me and said that she had sent me the documents that I requested and if I didn't receive them then that was my problem. I asked her to send the documents again and she said that she would. I made sure that she had the right address and she said she would send off the documents. Again, I never received anything. Same thing happened the next month. Eventually they stopped calling. read more