Who is IC System?
IC System, Inc. is a debt collection agency located in St. Paul, Minnesota. They provide accounts receivable management out of offices in Minnesota, North Dakota, and Wisconsin.
Even though IC System shows up on your credit report they are often representing a client who believes that you owe them money. These clients include industries such as health and dental, small and medium businesses, communications companies, utility companies, financial services, and government organizations.
You may see IC System listed on your credit report as a collections account. This can happen if you owe a creditor money and they’ve hired someone to collect that money.
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.
(Debt collectors prefer that we didn’t tell you this, but it’s something you should know.)
Lexington Law is a professional credit repair company that helps people fix their credit.
In addition to collections, Lexington Law will help you challenge (and possibly remove) other inaccurate information from your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, judgments, tax liens, and bankruptcies.
Call Lexington Law now to learn more: (800) 220-0084
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.
Address:
IC System
444 Highway 96E
St. Paul, MN 55127
Phone Number: (651) 481-6467 or (800) 279-7951
Website: https://www.icsystem.com
Should I contact or pay IC System?
Nothing good can come from speaking to a collection agency on the phone. And making payments on the collection account will reset the clock. So instead of helping your credit, it could make it worse. Of course, there are times when it’s best to just pay the collection account, especially if it’s new and you’re sure that it’s legit.
The best way to handle this is to work with a professional credit repair service. They have deleted millions of negative items from companies like IC System for millions of clients nationwide.
And they can help you too.
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 collection agency 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.
Should I contact or pay IC System?
You may not be able to contact them as the business has shut down. But, nothing good can come from contacting a collection agency anyway. And making payments on the collection account will reset the clock. So instead of helping your credit, it could make it worse. Of course, there are times when it’s best to just pay the collection account, especially if it’s new and you’re sure that it’s legit.
The best way to handle this is to work with a professional credit repair service. They have deleted millions of negative items from companies like IC System for millions of clients nationwide.
And they can help you too.
Will IC System sue me or garnish my wages?
It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. They will help you dispute the collection account and possibly remove it from your credit report. It’s also quite possible that you may never hear from or have to deal with IC System again.
Call Lexington Law to learn how they can help you avoid lawsuits and remove negative items from your credit report that will significantly improve your credit scores.
Wage Garnishment
Some states allow wage garnishment, while others do not. It is important to note that if you are in a state that does not allow wage garnishment, it is illegal for a debt collector to threaten to garnish your wages.
It is also illegal for IC System to make any claims they cannot or will not follow through on – this includes threatening to sue you or foreclose on your home.
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.
How IC System Can Affect Your Credit
The three credit bureaus, Experian, Equifax, and TransUnion, issue credit scores based on your history. This information can dramatically affect your ability to buy a house, qualify for a credit card or loan, rent an apartment, or even get a job.
If IC Systems has reported a delinquency to any of these credit reporting agencies, it can negatively affect your credit score. You may have trouble qualifying for financing, and even if you do, you’ll likely be subject to higher interest rates and lower credit lines. That is unless you are able to remove IC System from your credit report.
Your Rights When Dealing with IC System
There are strict regulations about what a debt collector can and cannot do in the United States. For example, the Fair Debt Collection Practices Act prevents the use of abusive or deceptive tactics to collect a debt. 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 on your credit report.
- 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 collection agency both orally and in writing.
- IC System cannot threaten to have you arrested, and they are not allowed to threaten to take legal action if they have no intention of doing so.
More Tips on Dealing with IC System
Avoid the phone. NEVER talk to a debt collector on the phone. The less a debt collection company knows about you, the better.
Politely tell IC Systems it’s your policy to deal with everything in writing. Request a letter with the original debt information and then hang up. If they keep calling, send them a cease & desist letter.
Record their phone calls. If you must deal with a debt collection agency on the phone, record them. Thirty-five states and the District of Columbia allow you to record your phone conversations secretly.
In the other 15 states, you can record with the other party’s permission. If you tell the debt collector you are going to record, and they keep talking, that’s considered giving permission. They will usually hang up.
Don’t believe what they say. Debt collectors are known to make false threats, lie, and tell you whatever they need to tell you to get you to pay the debt.
Don’t attempt to hide money. Hiding money or assets from a legitimate debt collector is illegal if you owe them. However, it’s also best to avoid giving access to your bank account or credit card information.
Don’t apply for new lines of credit. It’s also considered fraudulent to apply for new lines of credit if you are unable to pay your current creditors.
Don’t ignore them. You can do things on your terms, but ignoring the situation will not make IC Systems go away. Ignoring them sets you up for a possible lawsuit.
Know Your State’s Statute of Limitations. Each state has a statute of limitations on debt. Once your debt reaches a certain age, it is considered “zombie debt,” and you are no longer legally obligated to pay it. The age limit varies from state to state, but it’s typically around 4-6 years.
A collection agency is still allowed to contact you about these debts, but they can no longer sue you for them, and you are not required to pay them.
Remove IC System from Your Credit Report Today!
Lexington Law specializes in disputing IC System collection accounts. They have over 18 years of experience and have removed over 7 million negative items for their clients in 2020 alone.
If you’re looking for a reputable credit repair company to help you with collection accounts and repair your credit, we highly recommend Lexington Law.
Call them at (800) 220-0084 for a free credit consultation. They have helped many people in your situation and have paralegals standing by waiting to take your call.
