I.C. System Collection Complaints

Businessman Taking Money Out of Piggy Bank. Business Concept Cartoon Illustration.

I.C. System is a debt collection agency. It usually is hired by companies to collect delinquent debt. I.C. System can’t harass you, deceive you, or treat you unfairly. If it does, you may have a claim for damages.

If you think I.C. System is harassing you or disregarding your rights, contact our debt harassment attorney for help. Please complete our contact form or call 1-800-997-5561 for a free case review.

Why does I.C. System keep calling me?

"More than half of consumers contacted about debt 'said these contacts included at least one debt ... in error.'"

CFPB Survey (2017).

I.C. System, Inc. is a debt collection agency based in Saint Paul, Minnesota. It likely does not own your debt; it is hired by companies to collect debts on their behalf, either through calls or letters, or by other means.

If I.C. System is calling you, or if it is sending you letters, that means it’s trying to collect a debt from you. I.C. System also may appear on your credit report if it is engaged in the collection process. It collects debt for many types of businesses, including healthcare, utilities, financial services, government and communication.

Do people complain about I.C. System harassment?

Consumers have complain about I.C. System’s debt collection practices in past years. For example, complaint databases maintained by the CFPB and the BBB show the following:

  • Consumer Financial Protection Bureau (CFPB) Database: shows thousands of complaints against I.C. Systems.
  • Better Business Bureau (BBB) Website: shows hundreds of complaints against I.C. Systems.

If you have complaints about I.C. System’s debt collection practices, visit our debt collection harassment page to learn how we can help. Call us at 1-800-997-5561 or complete our contact form.

Does I.C. System sue?

Close to a third of consumers contacted about debt said debt collectors tried to "collect at least one debt the consumer believed he or she did not owe."

CFPB Survey (2017).

When consumers learn that I.C. System is a debt collection agency, they often ask if they’ll get sued. The answer is maybe. That said, I.C. System probably won’t file a lawsuit in its own name. Instead, you’ll probably get sued by someone else.

Whether you’ll get sued for a debt I.C. System is trying to collect depends on the type of debt at issue. If it is collecting on behalf of a debt buyer (which is a company that buys old debt for cheap), it’s possible you will get sued. And, if it is collecting a consumer debt, like a credit card or personal loan, a lawsuit may occur. If you get sued, visit our debt defense page to learn how our debt defense attorney beats debt collection lawsuits.

How do I get I.C. System to stop calling me?

A law called the Fair Debt Collection Practices Act (FDCPA) gives you the right to tell I.C. System to stop calling you. The FDCPA also gives you the right to tell I.C. System when it can call you, or how it can contact you. For general tips on dealing with debt collectors and debt collection calls, read our posts on how to deal with debt collectors and how to deal with debt collection robocalls.

Does I.C. System have to validate debt?

The FDCPA requires I.C. System to disclose your right to request debt verification (often called validation) within 5 days of first contact. I.C. System also must disclose that verification request must be written and that debts are assumed valid if a verification letter is not received within 30 days. If you request debt verification, I.C. System must verify your debt or stop collection activity. For general tips on understanding debt collection letters and debt verification, read our post on understanding debt collection letters.

Can I sue I.C. System?

You can sue debt collectors when they engage in unlawful debt collection practices. Here are common practices that may violate the law:

I. Improper debt collection calls.

  • Repeated, frequent, or persistent phone calls.
  • Contacting third parties, like family, friends, employers, or co-workers.
  • Phone calls at inconvenient times or places, like early in the morning, late at night, or at work.

II. Hollow debt collection threats.

  • Threatening jail time or arrest.
  • Threatening damage to reputation or disclosure of private information.
  • Threatening wage garnishment, seizure of property, or the filing of lawsuits without authority.

III. Other improper debt collection practices.

  • Reporting inaccurate information to credit reporting agencies.
  • Attempting to collect debt that's already paid or not owed at all.
  • Attempting to collect unlawful or unauthorized fees, charges, or costs.

What laws apply to I.C. System?

There are many federal and Pennsylvania laws that give you legal rights when interacting with I.C. System. Here are some of them:

  • Fair Debt Collection Practices Act (FDCPA): A federal law that prohibits harassing, deceptive, and unconscionable debt collection practices. It also gives you the right to request debt verification and modify how debt collectors contact you.
  • Fair Credit Extension Uniformity Act (FCEUA): A state law that prohibits many of the same practices made unlawful by the FDCPA.
  • Telephone Consumer Protection Act (TCPA): A federal law that prohibits certain calls to cellphones without consent. The TCPA provides for $500 to $1500 per unlawful call.
  • Unfair Trade Practices and Consumer Protection Law (UTPCPL): A state law that prohibits fraud and deception.
  • Fair Credit Reporting Act (FCRA): A federal law that prohibits reporting inaccurate information to credit reporting agencies. The FCRA also limits how your credit report is used.

If you think I.C. System broke the law, learn how we can help by visiting our debt collection harassment page. Complete our contact form or call us at 1-800-997-5561.

Can I remove I.C. System from my credit report?

The Fair Credit Reporting Act (FCRA) allows you to dispute inaccurate or out-dated information on your credit report. Disputed information must be investigated and errors must be corrected or removed. It’s important to understand that the FCRA does not allow you to remove accurate information. Visit our fixcreditreport.com website to learn about your rights under the FCRA, including how to dispute inaccuracies and remove old information.

I.C. System Harassing You?

If you’re harassed by I.C. System, please contact us for help. Call 1-800-997-5561 or complete our contact form for a free case review from our debt harassment attorney.

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