Who is IC System?
IC System, Inc. is a large, third-party debt collection agency that operates out of offices in St. Paul, Minnesota, North Dakota, and Wisconsin. They specialize in accounts receivable management, meaning they help businesses collect the money that they are owed by customers.
If IC System is listed on your credit report, it usually indicates that you have an account in collections. This typically occurs when you have a bill that has not been paid and is now overdue.
Who does IC System collect for?
IC System is contracted to collect outstanding debts on behalf of various clients from multiple industries. These include but are not limited to communications companies, financial services, government organizations, healthcare and dental service providers, small and medium-sized businesses, and utility companies.
Is IC System legit or a scam?
IC System is a legitimate debt collection agency. They are authorized to collect outstanding debts on behalf of their clients. However, as a consumer, it’s crucial to validate any debts that a collection agency claims you owe before making a payment.
How can I remove IC System from my credit report?
IC System collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to remove a collection account from your credit history before seven years.
(While debt collectors may not want this information to be widely known, it’s your right to be informed.)
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IC System Contact Information
While they have call centers in multiple states, their main offices are in Minnesota. You can use the following information to contact them.
IC System, Inc.
444 Highway 96E
St. Paul, MN 55127
Phone Number: (651) 481-6467 or (800) 279-7951
Should I contact or pay IC System?
It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with IC System is to work with a credit repair professional. They help remove millions of negative items every year from companies like IC System on behalf of their clients.
Will IC System sue me or garnish my wages?
IC System does have the legal right to sue you in court for the outstanding debt. If they win the lawsuit and the court issues a judgment against you, they could potentially garnish your wages or levy your bank account, depending on the laws in your state.
However, remember that the initiation of a lawsuit is usually a last resort for collection agencies, as the process is costly and time-consuming. They typically prefer to resolve the matter out of court and will likely attempt to contact you multiple times to collect the debt before resorting to legal action.
IC System Complaints
Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB).
Complaints of their collection efforts range from receiving six to ten phone calls per day to tactics such as skip tracing. Needless to say, it may not be easy to have them removed from your credit report.
Reporting you to three credit bureaus is only one way that IC System will use to attempt to collect a debt. Other measures include sending direct mail, contacting you by phone, or referring your case to an attorney.
Harassing Phone Calls from IC System
IC System may call you, sometimes several times a day. These calls, often automated robocalls, continue until you answer the phone.
IC Systems may also leave you voicemail messages several times a week. Federal law does not specifically limit the number of phone calls that they can make, only that they may not harass you.
IC System tells their customers that these phone calls, attempting to collect on a debt, can go on for up to two years. They may even attempt to reach you by calling you at your place of employment, calling you at work attempting to shame you into complying with them.
Your Rights When Dealing with IC System
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- It is a violation of federal law for IC System to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- IC System may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- IC System must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collector both orally and in writing.
- IC System cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove IC System From Your Credit Report Today!
Credit Saint can assist you in disputing IC System collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
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