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.
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 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/.
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:
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).
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.
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.
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.
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.
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:
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:
“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 all together!! He even settled it so I was paid back for the problems they caused!”
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 Agruss Law Firm, LLC as soon as possible.
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.
If you want to settle a debt with IC System, ask yourself these questions first:
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 Agruss Law Firm are here to help you.
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 Agruss Law Firm at 888-572-0176 to stop the harassment once and for all.
You have rights
Robo-callers and debt collectors may be violating the law
We stop the calls
We make sure this number never harasses you again
You get money
Up to $1,000 for harassment, and $500-$1,500 for illegal robocalls
You don't pay a dime
The other side pays our fees and costs.
Harassment Cases Settled
Are you connected with atydte.com? I am searching this company for a friend. She found charges on her credit card from it what is it? Her husband is a fan of escort services to put it nicely!
Have you received anything in writing from IC System? Is IC System on your credit report? You can answer the phone, or call them, and ask them why they are calling you. Ask them to send you something in writing before making a payment. If you have any other questions, please call me at 888-572-0176 or e-mail me at email@example.com
I keep getting harassing calls from IC Systems, I don't know what they are or what they want!
IC systems has called again . They will not stop calling . this happened once before and it lowered my credit score . after a police report and several corresspondences I thought this nightmare was over . Please help ? I Am not the person they are seeking ...... I have never lived in Texas. They are vague about their business . And are probing for personal info. They also hang up on me . Can I stop these calls without a police report ??I have no outstanding debts anywhere!
the number I C systems contacted me from was 307 -316-7512 /... Please pass this on to Britany. I just spoke with Brittany. IC systems has called again . They will not stop calling . this happened once before and it lowered my credit score . after a police report and several corresspondences I thought this nightmare was over . Please help ? I Am not the person they are seeking ...... I have never lived in Texas. They are vague about their business . And are probing for personal info. They also hang up on me . Can I stop these calls without a police report!
Debt Collection Harassment caller driving me crazy. I moved from Fl to SC last Oct..I called to stop my Verizon phone ..,they dropped the ball and did not turn my phone off and kept billing me ..I just found out not too long ago because it was turned over to this collection agency for over 200,00..I told them I did not owe that bill they were rude to me and told me I had to settle it with them because Verizon no longer handled it..they call at least 3 plus times a day I work all night long and try to sleep during the day they callnmy work number and I have asked them not to and they tell me they can call me at any number that they can reach me at...very rude people ..Inhave since worked this out with Verizon and they recognized their mistake and are sending me a final bill of around 70.00..yet these people keep calling driving me crazy. maybe that Verizon said that I could handle the final payment with them and not IC systems!
Wow, that was pretty fast. Hi, Daniela. I'm actually just looking for a little help in how to deal with a debt collecting agency. Particularly IC System. although there isn't a whole lot of detail to go into. At a point, at least 2 years ago now, I bought a guide to make some income online, which consisted mostly off immoral methods under the pretense of being legal. Particularly, it was teaching the ways of misleading sales on Ebay. Anyway, I had an account suspension for a long while but all of the debt I incurred from people demanding refunds was paid in full. I even called and explained the situation and the account is now reinstated completely. I have no outstanding balance by any means, and I've just received a letter in the mail today from IC System about an alleged $37 debt that has been passed to IC System for collections!
IF I owed eBay money and some random lady call me in order to pay it today... I remember I owed eBay 35$, not even 35 because I think they trying to make me pay fees of things I didn't sell, and 10 minutes ago I was on the phone with a woman named Daniel. SHE was telling me I have to pay it today and ask me if I can do a one time payment!
I believe I contacted you about 2 months ago because IC systems kept calling. I was told to ask them to stop, which I did. Now, they have called 3 times today. What details do you need ? I don't know other than I asked them to stop calling me and they did for a few months now they are back at it and it's harrassment!
Just got a call on my cell from 703-291-9034 today, 03/10/2017. No name on caller ID but it showed it was from Virginia. Within 2-3 minutes later go a call on my home phone number which is unlisted from the same number, 703-291-9034. My home phone caller IT said it was from IC System. I don't know who they are or why they were calling.
Hello, I have a Credit Karma account and regularly check my credit score...I have worked hard to keep good credit...I went on the account a couple of days ago and was shocked to see that my credit report had dropped 33 points and now had a collection listed on my report. I have no delinquent accounts and keep minimum to 0 balances on my credit cards. It listed a company called IC Systems and the collections was for Cox Communications. My wife and I had a Cox account for over 8 years recently with an impeccable payment history. Cox Communications said that it was an account from 24 years ago that IC Systems purchased from them...I told Cox I did not owe the amount and they verified that... saying they would delete the account and send me an email verification. So some how IC Systems has charged me with owing $114 dollars from 24 years ago (1993). I would never have been able to keep a Cox Communication account with this delinquency. I do not owe this bill yet IC systems has taken it upon themselves to charge me with a supposedly 24 year old account, knock my credit report down 33 points, and leave me with an open collection on my credit report that I do not owe. No phone call, no letter, no warning, nothing... Thank you, Tim Boudreaux
they have called my work and left harassing messages to others about myself...
receiving several calls a week from 202-367-9716. answer and there is silence. no robo voice. no human. just silence
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