Are You Being Called By IMC Credit Services, LLC?* Here's What You Need to Know
Falling behind on your credit cards, student loans, and other accounts can be distressing and frustrating. When debt collectors start calling and sending letters, the stress increases. But before you panic and file for bankruptcy, understand that federal laws in place to protect you if their collection attempts cross the line into abuse.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, is a consumer protection law that grants you the right to dispute a debt and tell collection agencies to cease contact. It also prohibits the use of collection methods like those below.
- Ignoring a formal cease communications request
- Calling you at work if you’ve already told them that such calls are not permitted by your employer
- Refusing or failing the validate the debt
- Demanding amounts not supported by law or the original creditor agreement
- Using profane and obscene language
- Calling before 8:00 a.m. and after 9:00 p.m. in your time zone
Company Profile: IMC Credit Services, LLC
If you are being called by IMC Credit Services, LLC, information about the company is below.
IMC Credit Services, LLC, which also does business as Statewide Credit Association, Inc., is a debt collection company located in Indianapolis, Indiana. It was founded in 1960, employs 100 to 249 employees, and is managed by its COO, Steve Gayheart. Records viewable at the PACER (Public Access to Court Electronic Records) website suggest that consumers who felt they were being harassed by IMC Credit Services, LLC did not hesitate to go to court to assert their rights.
Alleged Violations against IMC Credit Services, LLC
Dorothy Carol Jones vs. IMC Credit Services, LLC*
According to PACER, on November 9, 2016, Indiana resident Dorothy Carol Jones ran her credit report and saw an open account from IMC Credit Services, LLC on behalf of Ray’s Trash Service in the amount of $135. Because she did not recognize the debt, she phoned the company and spoke with a representative who identified herself as “Amy.” Amy informed Ms. Jones that the debt was for an outstanding bill from July 18, 2007. She then attempted to collect on the debt, but Ms. Jones advised that she was currently applying for disability and could not pay, but would call back when she was able to pay.
The July 18, 2007 debt was outside of the applicable statute of limitations period.
Feeling harassed by IMC Credit Services, LLC, she hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Using false, deceptive and misleading means to collect a debt
- Using unfair and unconscionable means to collect a debt
- Trying to collect a debt barred by statute
The matter was later dismissed.
Hire an Attorney
The phone numbers for this debt collection agency are as follows:
If you see any of them on your caller ID when the phone rings, it means that you are being called by IMC Credit Services, LLC. If they try to pressure you into paying a time-barred debt, hire a consumer attorney immediately, as such conduct violates the FDCPA. If you file a claim against IMC Credit Services, LLC and win, you could be awarded $1,000 per FDCPA violation plus court costs and attorney fees. These awards are a costly reminder that owing money does not take your rights away.
*Case taken from PACER (www.pacer.gov). File number is Case 1:16-cv-03166-RLY-DKL from the United States District Court for the Southern District of Indiana, Indianapolis Division.
Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against IMC Credit Services, LLC or any other third-party collection agency, you may not be entitled to any compensation.