The Law Office of Paul Mankin

Is IC System, Inc., Harassing You?

IC System, Inc.

IC System, Inc. is a debt collection agency headquartered in St Paul, Minnesota. The agency has been in business since 1938 and provides debt collection services to a wide range of clients including healthcare providers, utility companies, government agencies and educational institutions.

Contact Information:

444 Highway 96 E

Saint Paul, MN 55127-2557

Phone: (866) 483-8595

In the last three years, 517 complaints have been filed against IC System, Inc. with the Better Business Bureau (BBB) and 1,134 have been filed with the Consumer Financial Protection Bureau (CFPB), a federal agency created to help prevent companies in the financial industry, such as banks, credit card companies, and debt collection agencies, from abusing and deceiving consumers. Complaints allege that the company:

  • Refuses to provide enough information for consumers to verify the debt
  • Falsely implies that consumers will be arrested if they do not pay
  • Reports false credit information to the credit reporting bureaus
  • Speaks with third parties about a consumers debt
  • Attempts to collect the wrong amount
  • Fails to provide consumers with the mini-Miranda
  • Contacts consumers at work after being told the employer does not allow it

These are all violations of the Fair Debt Collection Practices Act (FDCPA), a federal law enacted to help protect consumers from unfair, deceptive, and abusive debt collection tactics. The Act specifically prohibits debt collectors from speaking with third parties about a consumer’s debt, falsely implying that a consumer will be arrested if they do not pay a bill, attempting to collect the wrong amount on a debt, and reporting false credit information. It also requires debt collectors to convey certain information to consumers. This includes reading them the mini-Miranda, which says that the communication is from a debt collector and is an attempt to collect on a debt and any information obtained will be used for the purpose of collecting the debt as well as providing them with basic information about the debt, such as the name of the original creditor, the amount of the debt, and any documentation that can validate the debt.

IC System, Inc. has been sued at least once, in Missouri, when it allegedly used abusive practices to collect on a debt from a consumer who repeatedly informed the company that she was not the person who owed the debt. Her complaint alleged that IC System, Inc. used the telephone to harass her, failed to identify calls as coming from a debt collector, misrepresented the name of the company and falsely represented the character and status of the debt. The suit was settled and dismissed.

If IC System, Inc. is using unfair, deceptive, or abusive practices in order to collect a debt from you, it is time to hold them accountable for their actions. Please contact our office for a free, no obligation consultation at 1-800-219-3577.