Debt collector misconduct accounts for most of the complaints received by the Federal Trade Commission every year. This is because so many of them use aggressive and manipulative means to collect money from indebted consumers.
If your life is being made miserable by an overzealous collection agency, read more to learn about your rights.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, gives you the right to dispute a debt and demand no further contact from a debt collector. If they ignore your request and/or subject you to collection methods like the following, you can file a lawsuit against them.
- Calling at inconvenient times, such as before 8:00 a.m. and after 9:00 p.m.
- Telling you that by failing to pay the debt, you have committed a crime
- Reporting inaccurate information to the credit bureaus
- Swearing and calling you names
- Trying to collect an amount that is not authorized by law or the original creditor agreement
- Leaving voice messages that do not identify the collector and the purpose of their call
Company Profile: International Computer Systems, Inc.
If you are being called by International Computer Systems, Inc., more information about this collection agency is below:
International Computer Systems, Inc., which also does business as First Collection Services, is a debt collection agency located in Mabelvale, Arkansas. It was established in 1969, has 203 employees, and is managed by its President, William Durkin.
The PACER website holdings include records alleging that consumers who thought that they were being harassed by International Computer Systems, Inc. sought legal counsel to protect their best interests.
Alleged Violations against International Computer Systems, Inc.
According to PACER, in or around March 15, 2017, a Washington consumer reviewed his credit report and saw that International Computer Systems, Inc. was reporting a debt. On his instruction, his attorney contacted the company and directed that all future communications go through his counsel.
Despite receipt of this notice, the agency allegedly sent the consumer another collection letter on June 7, 2018. Subsequent investigation appeared to suggest that it did not have a license to collect in the state of Washington.
Feeling harassed by International Computer Systems, Inc., the consumer filed an FDCPA lawsuit against the agency for these alleged violations:
- Contacting him directly although he was represented by counsel
- Using false, deceptive, and misleading means to collect a debt
- Using harassing and abusive means to collect a debt
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for this collection agency are:
If you see any of these numbers on your caller ID, it means that you are being called by International Computer Systems, Inc. If they keep contacting you directly although you have an attorney, hire a consumer lawyer and file a claim against International Computer Systems, Inc., for violating your rights.
You could receive $1,000 per violation plus court costs and attorney fees, so fighting back is the best way to bring the harassment to an end.
Case taken from PACER (pacer.gov). File number is Case 3:18-cv-05545-RBL from the United States District Court for the Western District of Washington at Tacoma.
*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 International Computer Systems, Inc., or any other third-party collection agency, you may not be entitled to any compensation.