Is IC System, Inc. Calling You?

Is IC System Inc calling you? Here’s what you need to know.

Every month there’s always one bill or another to pay: credit cards, student loans, mortgages, or medical bills. Seeing a good portion of our income go toward paying off debt is difficult enough, but when we experience an unexpected setback like job loss or a debilitating illness, debt that was formerly a nuisance suddenly becomes much worse. Once we miss a certain number of payments, debt collectors will start calling.

Is IC System Inc legit?

Yes, IC System is a legitimate business, and any alleged debt they claim you owe should be taken seriously. According to the Better Business Bureau (BBB), IC System was founded and incorporated in 1938 and 1941 respectively. IC System has also received an A+ rating from the BBB and has also been BBB accredited, since 1992. Additionally, Manta notes that IC System generates approximately $20-50 million in annual revenue, and has approximately 500-999 employees. IC System is headed by Mr. John A Erickson, President.

Moreover, according to its website, ICS prides themselves in offering “ethical and honest solutions” while their “representatives use the most ethical and consumer-friendly debt collection practices, helping to maintain the relationship that you have built with your customers, while also providing our clients with the results they need.”

Who does IC System collect for?*

According to the company’s complaints, IC System collects on all sorts of debt, such as medical/dental bills, communication, utilities, and government debts, in addition to debt for optometrists, pest control companies, veterinarians, and chiropractors. Overall, the company largely collects for small to medium sized businesses.

ICS notes that it provides two collections programs. First, “Premier Collect provides intensive contingency collections to recover past-due accounts from customers who have not responded to requests for payment” through the use of credit reporting, credit monitoring, attorney referral, and litigation referral. Secondly, ICS provides Recovery Plus, a two-phase debt recovery program. The program includes professional letters and credit reporting, as well as “analytical modeling for maximum recoveries, skip tracing, direct letters, consumer-friendly calls, and attorney referral and litigation options.”

ICS additionally provides debtors with a place to pay off their alleged dues and a number of resources to inquire further about their alleged debt. The website states that it “remains on the cutting edge by following the latest regulatory and compliance standards,” including the CFPB, TCPA, 501(r), etc. ICS notes that it “maintains a robust Compliance Risk Management System (CRMS) that includes extensive auditing, thorough documentation, and rigorous training.”

Though ICS provides additional details on their consumer rights efforts it is still wise to contact an attorney if you feel they have violated federal law.

How many complaints are there against IC System?

As of June 2023, there are currently 1,405 complaints posted in the last 3 years on ICS’ BBB page, 588 of which were posted in the last 12 months. The complaints largely allege that the collections company has charged consumers with debt they do not owe, without validation. Additionally, ICS also has 65 customer reviews posted on their BBB page, awarding the company 1/5 stars. Lastly IC system has 196 customer reviews posted on Google Review, amounting to a 2.4 star review overall.

IC System Contact information

Address: 444 Highway 96 E Saint Paul, MN 55127-2557
Telephone: 800-279-7244
Website: https://www.icsystem.com/consumer/

Can IC System sue me or garnish my wages?

IC System can only sue you or garnish your wages with legitimate reason to do so. ICS cannot make empty threats to sue you or garnish your wages because it is illegal. Though this practice is illegal, and uncommon, debt collectors are known to take advantage of alleged debtors, proceeding to summon them to court and garnish their wages, even if the threat is without merit. Considering that this is a risk, it is wisest to contact an attorney for help if you are being threatened by a debt collector.
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Can I sue IC System for harassment?

Yes, you can sue ICS for harassment. Arguably you should sue if you wish to enforce your rights and recover money for ICS’ violation. There are federal laws which protect consumers like you. For example, the Fair Debt Collections Practices Act (FDCPA) protects consumers like you. Awarding damages of up to $1,000, plus attorney fees and court costs to victims of wrongful collections practices. Use federal laws to your advantage and contact an attorney if you wish to sue for harassment.

How often can IC System Call?

ICS cannot call with the intent to harass, oppress, or abuse you. Additionally, in November 2021, the CFPB’s Debt Collection Rule clarified that a debt collector is presumed to have violated the law if they place a telephone call to you about a particular debt

• More than seven times within a seven-day period, or
• Within seven days after engaging in a telephone conversation with you about the particular debt.

How to stop IC System calls?

You can stop ICS from calling by filing a complaint and contacting an attorney. In fact, the Fair Debt Collections Practices Act (FDCPA) provides consumers protection from improper collections practices by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. There is also additional protection for consumers under the FCRA and the Telephone Consumer Protection Act (TCPA), as well as the Consumer Financial Protection Act (CFPA). You may have a case if..

• You are receiving multiple calls per week from third party collection agencies.
• You are receiving early morning or late night calls from debt collectors
• You are receiving calls at work from a debt collection agency
• Debt collectors are calling your family, friends, neighbors, or coworkers
• Collectors are threatening you with violence, lawsuit, or arrest
• A debt collector attempts to collect more than you owe
• You are being threatened with negative credit reporting
• A debt collector attempts to intimidate you
• Criminal accusations are being made towards you
• Use of obscene language during an attempt to collect
• Automated robocalls are being made to your phone in an attempt to collect

Does IC System hurt my credit score?

IC System can hurt your credit score if they falsely report debt to a credit reporting agency. If ICS has already reported the alleged debt, you can contact an attorney to get it removed. Additionally, if the debt has yet to be reported you can stop ICS from ruining your credit score by receiving help from an attorney.

Disclaimer: The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against IC System Inc or any other third-party collection agency, you may not be entitled to any compensation.