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?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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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.
Address:
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?
Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
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
Many collection agencies have numerous complaints filed 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. They may even attempt to reach you by calling you at work. Federal law does not specifically limit the number of phone calls that they can make, only that they may not harass you.
Your Rights When Dealing with IC System
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- 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. They have 30 days to prove the debt is yours and the amount is accurate.
- IC System cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- IC System must be honest about who they are and their purpose. 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 for unpaid debts.
Remove IC System From Your Credit Report Today!
Credit Saint offers assistance with disputing IC System collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
