Debt collectors like IC System, Inc. 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 IC System violated the law, you will get money damages and they will pay your attorneys’ 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 IC System, Inc.?
IC System is a debt collection agency based in Saint Paul, Minnesota. IC System was first founded over 80 years ago and has been accredited with the Better Business Bureau since 1992, but has received over 600 BBB complaints from consumers within the past three years, over 400 of which are for billing/collection problems.Consumers allege harassing phone calls, wrongfully damaging consumers’ credit reports based on mistaken identity, and a common pattern of failing to validate alleged debts which the targeted consumers claim to be false.
IC System, Inc.’s Address, Phone Number, and Contact Information
IC System is located at 444 Highway 96 East, Saint Paul, MN 55127-2557. The main telephone number is 800-443-4123 and IC’s website is www.icsystem.com/.
Phone Numbers Used by IC System, Inc.
Like many debt collection agencies, IC System may use many different phone numbers to contact debtors. For an advanced search, visit www.agrussconsumerlaw.com/ and click “Number Search” in the “Lookup” dropdown menu. Here are some phone numbers IC System may be calling you from:
- 202-367-9071
- 202-367-9252
- 202-367-9287
- 513-605-7537
- 603-414-1934
- 703-398-0007
- 800-988-4145
- 813-464-2479
- 866-913-5384
IC System, Inc. Lawsuits
If you want to know just how unhappy consumers are with IC System, take a look at the number of lawsuits filed against the agency on the Public Access to Court Electronic Records (“PACER”). PACER is the U.S.’s federal docket which lists federal complaints filed against a wide range of companies. A search for IC System will display over 370 lawsuits filed against the agency across the United States for violations of consumer rights and/or the Fair Debt Collection Practices Act (FDCPA).
IC System, Inc. Complaints
The Fair Debt Collection Practices Act (FDCPA) is a federal law which applies to everyone in the United States. In other words, everyone is protected under the FDCPA, and this Act is a laundry list of what debt collectors can and cannot do while collecting a debt, as well as things they must do while collecting debt. If IC System is harassing you over a debt, you have rights under the FDCPA.
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 IC System 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 IC System took unauthorized deductions from your bank account, you may have an EFTA claim against the agency. IC System, 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 IC System 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 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 IC System 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 its citizens 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 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 IC System’s debt collection. We will send a cease-and-desist letter to stop the harassment today, and if IC System 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 hundreds of consumers stop phone calls from IC System and 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 IC System 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…
The good news is that if IC System 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.
Complaints against IC System, Inc.
If you’re on this page, chances are you are just like the hundreds of consumers out there being harassed by IC System. Here are some of the BBB reviews and complaints against IC System:
- “IC System contacted me once about an alleged bill with some tv company. I know this debt is not mine, they may have me confused with my ex wife, so I explained this debt was not mine and asked for validation of this debt through a letter. No debt validation was sent nor any proof this debt as being mine. I now have this collection showing on my credit files which is completely unacceptable. This collection must be removed from my credit files immediately. IC System has a poor BBB rating, multiple complaints for illegal and harassing collection tactics, and is listed on watch lists monitoring fraudulent and scam debt collection. I will have also filed a complaint with the CFPB, State Attorney General’s office and the credit bureaus.”
- “I just saw this debt on my credit bureau report from IC System. I have never received notification of this debt. They bought a debt from the OC that was not a debt. I successfully fought this charge with Bank of America with FULL documentation that zero dollars were due. I have successfully fought… this charge with two other collection agencies. Had IC Systems notified me, I would have requested verification AND replied to that verification with the same documentation as I have three times in the past proving that this debt is NOT owed. I owe the OC nor IC System any money. This needs to be deleted from all three of my credit bureau reports.”
- “I have contacted this company previously requesting that they validate this account legally by providing a contract or documentation bearing my signature specifying the terms and conditions regarding this account. Despite my very specific request this company has failed to do so, instead my request has gone unanswered and the 30 day time to respond has expired.”
Cases We’ve Handled against IC System, Inc.
I think you’ll agree when we say that threats and harassment from collection agencies can be pretty intimidating. However, we can stop the harassment and get you money damages under the law, and the collection agency will pay your attorneys’ fees and costs. Here are some cases we’ve handled against IC System:
- Joshua W. v. IC System, Inc. – In March 2016, Joshua of Milwaukee County, Wisconsin, pursued a claim against IC System for violations of the Fair Debt Collection Practices Act (FDCPA) and Telephone Consumer Protection Act (TCPA). Complaints included harassing phone calls, failure to identify as a debt collector when contacting the plaintiff, and “harassing, oppressive, or abusive” conduct when attempting to collect debt. The case resolved in April 2016 and Joshua was pleased with the results.
- Jason P. v. IC System, Inc. – In April 2016, Jason of Maricopa County, Arizona, pursued a claim against IC System for violations of the Fair Debt Collection Practices Act (FDCPA) and Telephone Consumer Protection Act (TCPA). Complaints included harassing phone calls, “harassing, oppressive, or abusive” conduct when attempting to collect debt, and unlawful use of pre-recorded phone calls. The case was resolved in May 2016 and Jason was happy with the results we obtained for him
- Heather H. v. IC System, Inc. – In March 2015, Heather of Snohomish County, Washington, brough a claim against IC System for violations of the Fair Debt Collection Practices Act (FDCPA). Complaints included “harassing, oppressive, or abusive” conduct when attempting to collect debt and wrongfully mailing a collection letter to the plaintiff’s place of employment. The case was resolved in July 2015 and Heather was happy with the outcome.
What Our Clients Say about Us
Mike Agruss Law has over 900 outstanding client reviews through Yotpo, an A+ BBB rating, and over 120 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.”
“Mike Agruss Law was very helpful, they helped me solved my case regarding the unwanted calls. I would highly recommend them. Thank you very much Mike Agruss!”
“Mike Agruss Law 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 all together!! He even settled it so I was paid back for the problems they caused!”
Can IC System, Inc. Sue Me?
Although anyone can sue anyone for any reason, we have not seen IC System sue consumers, and it’s likely that the agency does not sue because they don’t always own the debt they are attempting to collect, and would also need to hire a lawyer, or use in-house counsel, to file a lawsuit. It’s also likely that the agency collects debt throughout the country, and it would be quite difficult to have lawyers, or a law firm, licensed in every state. However, there are collection agencies that do sue consumers; for example, Midland Credit Management is one of the largest junk-debt buyers, and it also collects and sues on debt. Still, it is less likely for a debt collector to sue you than for an original creditor to hire a lawyer or collection firm to sue you. If IC System has threatened to sue you, contact Mike Agruss Law as soon as possible.
Can IC System, Inc. Garnish my Wages?
No, unless they have a judgment. If IC System has not sued you, then the agency cannot get a judgment. Barring limited situations (usually involving debts owed to the government for student loans, taxes, etc.), a company must have a judgment in order to garnish someone’s wages. In short, we have not seen this agency file a lawsuit against a consumer, so the agency cannot garnish your wages, minus the exceptions listed above. If IC System has threatened to garnish your wages, contact our office right away.
IC System, Inc. Settlement
If you want to settle a debt with IC System, ask yourself these questions first:
- Do I really owe this debt?
- Is this debt within the statute of limitations?
- Is this debt on my credit report?
- If I pay this debt, will IC System remove it from my credit report?
- If I pay this debt, will the original creditor remove it from my credit report?
- If I pay this debt, will I receive confirmation in writing from IC System for 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 IC System, we at Mike Agruss Law are here to help you.
Share your Complaints against IC System, Inc.
We encourage you to post your complaints about IC System. 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 IC System 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 Mike Agruss Law at 888-572-0176 to stop the harassment once and for all.
