Is IC Systems Calling?
Are you tired of IC Systems Debt Collection Harassment? If you are receiving IC Systems Debt Collection calls, then you need to understand who debt collectors are and how they work. IC Systems is a third-party debt collector whose job is to collect debts on behalf of creditors. IC System is a legitimate company with a long history in the industry, and many consumers ask, “is IC System legit?” Yes, IC System is legit and operates as a recognized debt collection agency.
IC Systems debt collection call can come many weeks after your account becomes delinquent.
You may even have forgotten that you owe. The first thing to do when you get an IC Systems Debt Collection call is to listen to all they have to say, then demand that they validate the debt by sending you complete details of the debt. This is called a debt validation request.
Also, if you have been experiencing IC Systems phone harassment, you should know that it is a violation of your rights. Harassment can occur through phone calls, mail, and text messages. IC Systems phone harassment or any other form of harassment is completely against the Fair Debt Collection Practices Act.
IC Systems is not allowed to threaten you, misrepresent your debt, or harass you in any way. If they have been doing that to you, you can put an end to it. Contact us today to help you stop IC Systems phone harassment.
IC System collects various consumer debts, including those originally owed to banks and other financial institutions. IC System collects debts on behalf of creditors and sometimes purchases consumer debts, acting as the debt owner.
If your rights have been violated under federal law, you may be entitled to statutory damages.
Can a debt collector contact your family members?
If you’re dealing with IC Systems debt collection, does your family have to be involved? This is one issue many people have with debt collection agencies.
They can live with debt collection calls but when debt collectors begin to call their families, that’s where the line has to be drawn.
Looking into the law, should a collection agency be calling your family and friends?
The law actually allows debt collectors to call family or friends of a debtor.
If you have fallen behind on your bills, and… is trying to reach you to no avail, they are allowed to call your friends or family to seek out information about you. But that’s where it should end.
Debt collectors should only ask for information from your family when they call and not give them information.
If a debt collector calls your family and begins to give them details concerning your debts, they have abused your rights.
They are not even allowed to tell your family that they are a collection agency. All they need to say is that they need your number for an important business.
Is there a way to reduce the debt I owe to IC Systems?
Even though debts are terribly inconvenient, they are not the end of the world. There are a number of ways to reduce how much you have to pay to your debt collector, but these must be handled with caution.
Debt Settlement
A considerable option that may help people in debt to pay less than they owe is to negotiate a debt settlement agreement with the third-party debt collector or get a debt settlement company that will negotiate with the agency on their behalf. Before entering into settlement negotiations, it is important to determine what you can realistically afford to pay and to understand exactly how much is owed to the debt collector. Settlement negotiations are a key step in resolving debt, as they allow you to discuss and potentially reduce the total amount owed. After coming to an agreeable settlement, the debtor must begin paying by putting some money aside monthly with the debt settlement firm who will eventually use the money as a lump sum payment to the debt collection agency.
According to the American Fair Credit Council, 78% of debts are not resolved but settled. However, you must consider this option carefully before you decide whether or not to go ahead with it because it largely depends on the approval of the debt collector and you may also be required to pay taxes on the forgiven debt.
Credit Card Balance Transfer
If you are in credit card debt, then you may want to consider a credit card balance transfer. This simply means transferring your debts from one credit card to another, usually a new one. It usually helps consumers with (multiple) credit card debt save some money because you are transferring to a new card that has a lower interest rate and more benefits than your current credit cards.
Take note however that balance transfer will incur a transfer fee which may affect the overall percentage of the money you are able to save. You are also required to have a good credit score to get a credit card balance transfer. Before you decide to make a credit card balance transfer, gather as much information as you can about the company that owns the card you’re transferring to and the transfer fee.
Who is IC Systems?
IC Systems is a third-party debt collector located in St. Paul, Minnesota. They have been sued in federal court over 150 times for violating consumer’s rights while collecting on alleged debts. Consumers may also face legal action or a debt collection lawsuit from IC Systems if a claim is made regarding an outstanding debt. If you are served with a debt collection lawsuit, it is crucial to respond promptly to avoid a default judgment, which allows the creditor to pursue collection actions such as wage garnishment. A recent Federal Court case alleges that IC Systems used illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer. When lawsuits are involved, the process often includes filing a claim or complaint against IC Systems. It is also important to understand the role of the original creditor, as debts may be transferred from the original creditor to IC Systems or other debt buyers, which can affect the validity and ownership of the debt.
Contact Information
Address: 444 Highway 96 E Saint Paul, MN 55127-2557 Phone: 651) 483-8201
Is IC Systems a scam?
No, according to the Better Business Bureau website, IC Systems has been in business since 1938. There have been 518 customer complaints filed against IC Systems on the BBB website by dissatisfied consumers. If you believe your rights have been violated by IC Systems, you can consider filing a complaint with the Better Business Bureau or other relevant agencies to address your concerns. Read more about it here: IC Systems Better Business Bureau
IC Systems is often referred to or searched for by other names. These include:
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IC Systems Phone Numbers
Are you receiving any harassing phone calls from any of these numbers?
404-793-1306, 877-262-6919, 201-397-1635, 202-367-9027, 202-367-9070, 202-367-9071, 202-367-9142, 202-367-9252, 202-367-9284, 202-367-9287, 202-367-9716, 605-496-0704, 208-515-7484, (208) 515-7470, 202-367-9716, 605-301-7235, (208) 906-0574
If so, you may be a victim of debt collection harassment from IC Systems. Call us now on 877-700-5790
The following is a sample list of complaints filed against IC Systems and can be found on Pacer.org.
4:19-cv-01183-JCH Chambers v. IC Systems, Inc.
0:18-cv-61548-MGC Rowe v. IC Systems, Inc.
5:18-cv-00620-SLP Dent v. IC Systems, Inc
5:18-cv-00622-SLP Franklin v. IC Systems Inc et al
3:18-cv-10467-FLW-LHG MANOPLA v. IC SYSTEMS INC.
Credit Reporting and IC Systems
When it comes to credit reporting, IC Systems plays a significant role as a third-party debt collector. If you have an outstanding consumer debt that IC Systems is trying to collect, there’s a good chance they will report this debt to major credit reporting agencies like Experian, TransUnion, and Equifax. These agencies use the information provided by debt collectors to update your credit report, which can have a major impact on your credit score and your ability to get approved for loans, credit cards, or even rental housing.
Under the Fair Credit Reporting Act (FCRA), IC Systems and other debt collection agencies are required by federal law to ensure that any information they report about your debts is accurate and complete. If a debt collector reports incorrect or outdated information, it can unfairly damage your credit standing. That’s why it’s so important for consumers to regularly check their credit reports for errors or signs of debt collection harassment.
If you notice that IC Systems has reported a debt you don’t recognize, or if the amount reported is incorrect, you have the legal right to dispute it. Here’s how you can take immediate action to protect your credit and stop debt collection harassment:
- Request Your Credit Report: You’re entitled to a free credit report from each of the three major credit reporting agencies every year. Review your reports for any accounts reported by IC Systems.
- Spot the Error: Look for any debts listed by IC Systems that seem unfamiliar, have the wrong balance, or are reported as unpaid when you’ve already made a payment.
- Gather Evidence: Collect any documentation that supports your case, such as payment confirmations, settlement agreements, or written communications with the debt collector.
- File a Dispute: Contact the credit reporting agency directly to dispute the error. Provide copies of your supporting documents and a clear explanation of the mistake.
- Monitor the Outcome: The credit reporting agency is required to investigate your dispute, usually within 30 days. Follow up to make sure the error is corrected and your credit report is updated.
Remember, the Fair Debt Collection Practices Act (FDCPA) also protects you from abusive debt collection practices. Debt collectors like IC Systems are prohibited from using threatening language, making repeated phone calls, or disclosing your debt to co-workers or other businesses. If you believe your rights have been violated, you can seek immediate assistance from a law firm or attorney experienced in federal consumer protection laws.
If you’re negotiating a debt settlement agreement with IC Systems, make sure all terms are in writing and that the company agrees to update your credit report once the debt is paid or settled. This can help you rebuild your credit and avoid future issues with credit reporting agencies.
In summary, IC Systems and credit reporting are closely connected, and it’s crucial for consumers to understand their legal rights under the FCRA and FDCPA. By staying proactive, reviewing your credit reports, and taking immediate action to dispute inaccuracies, you can protect your financial health and stop debt collection harassment in its tracks. If you need help, don’t hesitate to reach out to a law firm for a free case review and guidance on your next steps.
CONSUMER RIGHTS LAW FIRM, PLLC
Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors. If you suspect that your debt collection rights are being trampled upon, contact our office to begin the process to stop the harassment you may currently be receiving from IC Systems. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.
Call us at (877)700-5790 for immediate assistance.
Check out the links below for more information:
https://consumer.ftc.gov/articles/debt-collection-faqs
Real Time Resolutions Debt Collection Harassment?
https://consumerlawfirmcenter.com/commonwealth-financial-systems-debt-collection-harassment/
