Integra Credit

Creditors like Integra Credit cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all.
 
THE BEST PART IS…
 
If Integra Credit violated the law, you may be entitled to money damages and Integra Credit will pay our fees and costs. You won’t owe us a dime for our services. Plus, some of our clients also receive debt relief and cleaned-up credit reports. You have nothing to lose! Call us today at 888-572-0176 for a free consultation.

Who is Integra Credit?

Integra Credit is an online personal loan service based in Chicago, Illinois. Founded in 2014, it has been accredited by the Better Business Bureau (BBB) since 2018.
 
Integra Credit offers installment-based and “open-ended” credit products, and installment loans are typically $3,000 maximum depending on particular laws in the applicant’s state of residence.

Integra Credit’s Address, Phone Number, and Contact Information

Integra Credit is located at 200 W. Jackson Boulevard, Suite 500, Chicago, IL 60606. The main telephone number is 855-345-5550 and the main website is www.integracredit.com/

Integra Credit Lawsuits

If you want to know just how unhappy consumers are with Integra Credit, take a look at the number of complaints consumers have made online. Nowadays, most original creditors, credit card companies, etc. have arbitration clauses, which means that if you have a complaint against that company, you must file your claim in arbitration. Arbitration limits discovery, is not public, has a limited appellate process, and, most importantly, is funded primarily by the banks and big businesses. While it can be difficult to get a fair chance in arbitration, the good news is we have filed hundreds of credit harassment cases in arbitration, and we know how to aggressively fight these cases against the big banks and businesses even when arbitration is necessary.

Integra Credit Complaints

The Telephone Consumer Protection Act (TCPA) protects you from robocalls, which are those annoying, automated, recorded calls that computers make all day long. You can tell it’s a robocall because either no one responds on the other end of the line, or there is a delay when you pick up the phone before a live person responds. You can receive $500 per call if Integra Credit violates the TCPA. Have you received a message from this agency that sounds pre-recorded or cut-off at the beginning or end? These are tell-tale signs that the message is pre-recorded, and if you have these messages on your cell phone, you may have a TCPA case against the agency.
 
The Electronic Fund Transfer Act (EFTA) protects electronic payments that are deducted from bank accounts. If Integra Credit took unauthorized deductions from your bank account, you may have an EFTA claim against the agency. Integra Credit, like most collection agencies, wants to set up recurring payments from consumers; imagine how much money it can earn if hundreds, even thousands, of consumers electronically pay them $50 - $100 or more per month. If you agreed to this type of reoccurring payment, the agency must follow certain steps to comply with the EFTA. Did Integra Credit continue to take electronic payments after you told them to stop? Did they take more money from your checking account than you agreed to?  If so, we can discuss your rights and a potential case under the EFTA.
 
The Fair Credit Reporting Act (FCRA) works to ensure that no information reported to your credit report is false. In essence, it gives you the right to dispute those inaccuracies that you find on your credit report. We’ve handled many cases in which a debt collection agency reported debt on a consumer’s credit report to obtain leverage over the consumer. If Integra Credit is on your credit report, they may tell you that they’ll remove the debt from your credit report if you pay it; this is commonly known as “pay for delete.” If the original creditor is on your report rather than the debt collector, and you pay off the debt, both entities should accurately report this on your credit report. 
 
Several states also have laws to provide their citizens with an additional layer of protection. For example, if you live in California, Florida, Michigan, Montana, North Carolina, Pennsylvania, Texas, or Wisconsin, you may be able to add a state-law claim to your federal law claim above.  North Carolina, for example, has one of the most consumer-friendly statutes in the country: if you live in NC and are harassed over a debt, you may receive $500 - $4,000 in damages per violation. We work with a local counsel in NC and our NC clients have received some great results in debt collection harassment cases. If you live in North Carolina and are being harassed by a debt collector, you have the leverage to obtain a great settlement.

How do we Use the Law to Help You?

We will use state and federal laws to immediately stop Integra Credit’s debt collection. We will send a cease-and-desist letter to stop the harassment today, and if Integra Credit violates the FDCPA, EFTA, FCRA, or any state law, you may be entitled to money damages. For example, under the FDCPA, you may receive up to $1,000 in damages plus actual damages. The FDCPA also has a fee-shift provision, which means the debt collector will pay your attorneys’ fees and costs. If you have a TCPA case against the agency, we will handle it based on a contingency fee and you won’t pay us a dime unless you win.
 
THAT’S NOT ALL…
 
We have helped thousands of consumers stop phone calls.  We know how to stop the harassment and get you money damages. Once again: you will not pay us a dime for our services. We will help you based on a fee-shift provision and/or contingency fee, and the debt collector will pay your attorneys’ fees and costs.

What if Integra Credit is on My Credit Report?

Based on our experience, some debt collectors may credit-report, which means one may mark your credit report with the debt they are trying to collect. In addition to or instead of the debt collector, the original creditor may also be on your credit report in a separate entry, and it’s important to properly identify these entities because you will want both to update your credit report if or when you pay off the debt. 
 
THE GOOD NEWS IS…
 
If Integra Credit is on your credit report, we can help you dispute it. Mistakes on your credit report can be very costly: along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or even being a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute it, and my office will help you obtain your credit report and dispute any inaccurate information.
 
REMEMBER…
 
If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (FCRA), you may be entitled to statutory damages up to $1,000, and the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision, which means the credit reporting agency will pay your attorneys’ fees and costs. You won’t owe us a dime for our services. We have helped hundreds of consumers fix inaccurate information on their credit reports, and we’re ready to help you, too.

What Our Clients Say About Us

Agruss Law Firm, LLC has over 1,000 outstanding client reviews on our website, an A+ BBB rating, and over 135 five-star reviews on Google. Here’s what some of our clients have to say about us:
 
“Michael Agruss handled two settlements for me with great results and he handled them quickly. He also settled my sister’s case quickly and now her debt is clear. I highly recommend Michael.”
 
“Agruss Law Firm was very helpful, they helped me solved my case regarding the unwanted calls. I would highly recommend them. Thank you very much Mike Agruss!”
 
“Agruss Law Firm was very helpful to me and my veteran father! We were harassed daily and even called names for a loan that was worthless! Agruss stepped in and not only did they stop harassing, they stopped calling altogether!! He even settled it so I was paid back for the problems they caused!”

Can Integra Credit Sue Me?

Yes, Integra Credit can sue you. Integra Credit can hire a lawyer to file a breach of contract lawsuit against you for the underlying debt, fees, and costs. If you’ve been sued by Integra Credit, do not ignore the lawsuit; you may have defenses. If you ignore the lawsuit, the default will be entered and the agency may seek to garnish your wages. If you receive notice of a lawsuit, contact an experienced attorney as soon as possible, even if you intend to represent yourself pro se. If Integra Credit has threatened to sue you, contact Agruss Law Firm as soon as possible; we’re here to help.

Can Integra Credit Garnish My Wages?

Yes, if Integra Credit has a judgment entered against you. If Integra Credit is currently garnishing your wages or threatening to do so, contact our office as soon as possible. 

Integra Credit Settlement

If you want to settle a debt with Integra Credit, ask yourself these questions first:
  1. Do I really owe this debt?
  2. Is this debt within the statute of limitations?
  3. Is this debt on my credit report?
  4. If I pay this debt, will Integra Credit remove it from my credit report?
  5. If I pay this debt, will the third-party debt collector remove it from my credit report?
  6. If I pay this debt, will I receive written confirmation from Integra Credit confirming the payment and settlement terms?
These are not the only things to consider when dealing with debt collectors. We are here to help you answer the questions above, and much more. Whether it’s harassment, settlement, pay-for-delete, or any other legal issue with Integra Credit, we at Agruss Law Firm are here to help you.

Top Debt Collection Violations

Debt collection laws provided a laundry list of what collectors can and cannot do while collecting a debt. Based on our years of experience handling thousands of debt collection harassment cases, here’s what collection agencies most often do to violate the law.
  1. Called you about a debt you do not owe.
  2. Called you at work after you told them you cannot receive calls at work.
  3. Left you a message without identifying the company’s name.
  4. Left you a message without disclosing that the call is from a debt collector.
  5. Called third parties (family, friends, coworkers, or neighbors) even though the collection agency knows your contact information.
  6. Disclosed to a third party (family, friends, coworkers, or neighbors) that you owe a debt.
  7. Contacted you after you said stop calling.
  8. Threatened you with legal action (such as a lawsuit or wage garnishment).
  9. Called you before 8:00 AM or after 9:00 PM.
  10. Continued to call you after you have told the collector you cannot pay the debt.
  11. Communicated (phone or letter) with you after you filed for bankruptcy.
  12. Failed to mark the debt on your credit report as disputed after you disputed the debt.

Frequently Asked Questions

  1. Do I have to pay your fees and costs for helping me with my consumer rights case? No. We handle consumer rights cases based on a fee-shift provision and/or a contingency fee. That means either the other side pays your fees and costs, or we take a percentage of your recovery. Whether it’s a fee-shift case or a contingency-fee case, we don’t get paid unless you get paid, and you’ll never owe us a penny for our time.

  2. What are the damages under the Telephone Consumer Protection Act? You can get $500 per robocall, or $1,500 per robocall if the robocalls were willful. In any type of settlement, oftentimes Defendants pay much less than $500 per call. However, if there are 50 calls at issue, even at $250 per call, your case could settle for $12,500.00.

  3. Are there state laws that protect me from original creditors? Yes! Several states also have laws that provide their citizens with an additional layer of protection. For example, if you live in California, Connecticut, Florida, Kansas, Massachusetts, Michigan, Missouri, Montana, North Carolina, Nevada, Oklahoma, Pennsylvania, Texas, and Wisconsin, you have additional state-law rights.

  4. What type of debt is covered under state laws that protect me from original creditors? Only consumer debt, such as personal, family, and household debts. For example, the money you owe on a personal credit card, an auto loan, a medical bill, or a utility bill. State laws usually do not cover debts you incurred to run a business, or debts regarding unpaid taxes, or traffic tickets.

  5. Does the Fair Debt Collection Practices Act apply to banks or credit card companies? No. Only third-party debt collectors are bound by the FDCPA. That is, original creditors, such as credit card companies and banks, are not bound by the FDCPA.

  6. Are mistakes on credit reports common? Yes! Are you one of the 40 million Americans that have a mistake on their credit report? Mistakes on your credit report can be very costly. Along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or maybe you were a victim of identity theft.

  7. What do I do if I have a mistake on my credit report? If you have a mistake on your credit report, there is a process to dispute them. My office will help you pull your credit report and dispute any inaccurate information. If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (“FCRA”), you may be entitled to statutory damages up to $1,000.00, plus the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision. This means, the credit reporting agency pays your attorney’s fees and costs. Therefore, you will not pay me a penny for my time. To speed up the process, please get a free copy of your credit report at www.annualcreditreport.com. You can also learn more about the FCRA and your rights at http://www.agrussconsumerlaw.com/practices/common-credit-report-errors/.

Share Your Complaints Against Integra Credit Below

 
We encourage you to post your complaints about Integra Credit. Sharing your complaints against this agency can help other consumers understand what to do when this company starts calling. Sharing your experience may help someone else!
 
HERE’S THE DEAL!
 
If you are being harassed by Integra Credit over a debt, you may be entitled to money damages – up to $1,000 for harassment, and $500 - $1,500 for illegal robocalls. Under state and federal laws, we will help you based on a fee-shift provision and/or contingency fee, which means the debt collector pays your attorneys’ fees and costs. You won’t owe us a dime for our services. We have settled thousands of debt collection harassment cases, and we’re prepared to help you, too. Contact Agruss Law Firm at 888-572-0176 to stop the harassment once and for all.

We are listening

We will respond to you at lightning speed.
All of your information will be kept confidential.

Submitted Comments

On 5/11/22 I applied for a loan with Integra Credit. Initially I was trying for $800 but then they said I was approved for $1250 which I took. I filled out all the necessary paperwork, provided all my banking information for income verification. They said Congratulations, you were approved for $1250, and you just need to accept and sign your documents to agree to your payment terms and contract agreements, then your money will be deposited in as little as 1 - 2 days. I signed all the contract documents and waited for the money to be deposited. After a day went by I logged into my online account with Integra and it said "Account Under Review'. I called them directly and spoke with a customer service Rep and they said under review just means the order they will get to processing my application and when finished the money will be deposited into my account. The Rep said everything looked good and I was DEFINITELY approved for $1250 and gave me their official CONGRATULATIONS speech, stating I signed all the legal documents which proves my loan was approved, I just had to wait to finish processing. On 5/13/22 I received an email stating my application was declined on 5/11. Why is it that this loan company tells you the contract you signed is a legal document and can be held in a court of law if you breached that contract, yet they do not have to abide by these laws. I thought a signed contract protected both parties. I read about numerous people who they have done the same thing to. People are upset they signed legal documents and then Integra credit can back out whenever they want, but if you do the same they will take you to court and say, "Well you signed the contract and it is legally biding". They wasted 3 days of my time when they were aware I was denied the day my application was submitted. I want to know my rights in seeking a class action lawsuit for Breach Of Contract, and fraudulent documents they have you sign and then erase from their website when your denied as if they never existed. I already have read from numerous numerous people with the exact same complaint. Is it possible to seek legal council because they are in breach of contract having you sign legal documents they feel only applies to the customer, not to them? You know the saying, 'What's good for the Goose is good for the Gander'' and they need to know they are responsible as well in their end of the contract. ... Show Less

Michael Agruss Headshot

Hi Jeanette. I'm going to give you a call to discuss this situation with you and we can go over what signing a contract means, what it covers under the law, and what responsibilities that Integra Credit and you have in this situation. Thanks, Mike

The Interest is burying me in this predatory loan. Im around 141% and a $3400 balance. My bi weekly payments are $180 and i just cant keep up. What options do i have to get out of this outside of bankruptcy. This loan does not currently show up on any credit reports except as an inquiry.

Michael Agruss Headshot

Hi Nicholas. Do you have your contract from Integra Credit? If so, please email a copy to me at [email protected] I will look it over and then contact you about your options in dealing with your loan. Thanks, Mike

Integra Credit. I got a loan from them about two months ago. I was under the impression that the payment would be monthly. I seen the loan offer in credit karma and beside the loan offer the monthly rate was 140 ish. Not bad but that wasnt the case. I was duped. The week after i got the koan everything was fine and the next week a payment. I thought thats weird and way fast. Then it happened. Every pay period i was being charged. Not expecting that a loan would be billed every single time i got paid bi weekly i wasnt looking for this. Especially when Credit Karma had represented it wrong. I immediately stopped auto draft if my account within 3 business days of the next payment which is required by them. I sent them an email to stop and got a confirmation and all was good. Until it wasnt. They tried to debit my account the very next day with a pre note authorization which lingers for a few days then changes into whatever they debit your account. You dont know for a few days. More interesting is that the payment wasnt even due yet. This had been done because my request to not debit my account automatically any longer but instead id pay manually. I did everything by their book and they pulled this the very next day. I waited for it to clear or drop off the account so i didnt make two payments to them and even sent another email complaining again about it. It finally dropped off but after the payment date was due and passed. That resulted in a late fee. I thought wow that’s crooked as hell. They were told dint and they did anyway as fast as they could after my request and they hadnt ever charged the account that early before and the payment wasnt even due yet for another 3 days. I had emailed 4 days prior to the due date. Previous to this i had sent them an email telling them this was not what I thought this loan was and the frequency of payment was misconstrued to me. I thought monthly not every other week starting not two weeks after i got the loan. Apon reading about predatory loans it seems this is actually a common practice among companies that do so. Im looking to see how i can remody this situation. Thank you so much for your time. Dale Please feel free to email or call after noon.

Michael Agruss Headshot

Hi Dale. I will contact you via email or phone to discuss your loan with Integra Credit. Also, if you have a copy of your contract with Integra, you can email it over to me at [email protected] so I can review it before we discuss your options. I look forward to hearing from you. Thanks, Mike