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.
You may see IC System listed on your credit report as a collections account. This can happen if you didn’t pay a bill.
Who does IC System collect for?
IC System collects debts for clients in the following industries:
- communications companies
- financial services
- government organizations
- health and dental
- small and medium businesses
- utility companies
Is IC System legit or a scam?
IC System is a legitimate company. However, they may repeatedly spam call, text, or email you.
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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Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.
In addition to collections, they can work with you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.
Get started on the path to better credit today: Fill out the form for a free credit consultation.
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?
It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. They aid you in disputing the collection account with three major credit bureaus, with the possibility of having it removed from your credit history. It’s also possible that you never hear from or have to deal with IC System again.
Some states allow wage garnishment, while others do not. 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.
Is IC System hurting my credit score?
The three credit bureaus, Experian, Equifax, and TransUnion, issue credit scores based on your credit 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.
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.
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. Ask for a letter with details about the original debt, then hang up. If they keep calling, send them a cease and desist letter.
Record their phone calls. If you must deal with a debt collector on the phone, consider recording the conversation. In 35 states and D.C., it’s legal to secretly record phone calls. In the other 15 states, you can record with the other party’s permission. Simply informing the collector of your intention to record may count as permission.
Don’t believe what they say. Debt collectors are notorious for resorting to false threats, deceitful tactics, and any means necessary to coerce you into settling your outstanding debt.
Don’t attempt to hide money. Hiding money or assets from a legitimate debt collector is illegal if you owe them. However, bank account and credit card information should be kept private.
Don’t ignore them. You can do things on your terms, but ignoring the situation will not make IC System 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. Age limits vary by state, but it’s typically 4 to 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 can assist you in disputing IC System collection accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
They have helped many people in your situation. Fill out the form on their website for a free credit consultation to see what they can do for you.
Ready to Repair Your Credit?
Some clients have raised their credit scores
by 100 points* or more.
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