Menu
Login
IC Systems are clearly violating more than my complaint, I was'nt surprised to find this site! These people do not understand the federal violation of Fair Debt Collection! I have been harrassed for weeks now, over a 30 dollar debt that I refuse to pay. My choice. This ignorant company didnt realize that the one they were calling used to be a belittling job of being a debt collector, I guess its kind of a blessing in wierd way, that I became chronically ill and was terminated of course. But, these people violate FDPCA laws regulary, yes, I am going to report them legiatiamatly. The dummies can even be told they are violating and they dont care, well, lets have a couple 25, 000.00 fines and think if thats rude!
You have never had a problem with paying any of your bills Jickster, hope you never get a similar situation like mine. Let me explain a little better. Everyone has the right to write a "cease and desist" letter to simply ask the collector to stop calling and only commuicate through the mail. I sent IC Systems two. They kept telling me they had never received any. Until I sent one Certified mail, they calls have stopped for now. By the way, it costs nothing to file a complaint to FDCPA. I have always paid my bills, until now. Also, if I pay IC systems the amount they are wanting, EBAY will not see one cent of the money, after 6 months most companies write the debt off for pennies on the dollar. This bill started out at 4.50. Now its up to 30.00. When this started, I tried to contact EBAY to pay the amount owed, they would not take my money, because it had been sold, so the way I look at it, I don't owe them anything. This is a small amount of money, the original amount, but I refuse to pay money I don't owe. I only owe 4.50. Of course the collector will not work with me on this amout. This is how they make their money. So, good luck to them getting blood out of a turnip! LOL
You don't have the money to pay your $30 bill, you certainly are not well off enough to take any legal actions whatsoever. Nobody is scared over your threats of $25, 000 fines etc.
I am sorry you have a chronic illness, but you should not use that as an excuse to dodge your responsiblities. Please pay your bills.
So you had a bill, you refused to pay it, additional charges were added, as legitimized by state law(possibly i dont know the state) and you are mad at the debt collector?
The cert mail is wise. but in what other ways are you being harrassed? your statement that companies write debt off is not correct. They always have the debt. They just take a loss on balance sheets. They can hold it, sell it, or hire a debt collector.
You owe 30 for now, and it sounds like it will only go up. It may even hit your credit report. But like you say, you dont care.
Why complain about something you dont care about?
lilred75
Back to Inbox
Smart remark
June 14, 2009
Exie, if I dont care about the debt and complain about it, why do you respond to other peoples problems, and leave smart remarks about the issue?
----------------------------------
This is a response this person sent me. Come on people. Dont compain just for the heck of it. From my professional experience, I see absolutely nothing wrong with the collections efforts of this firm, in her case. Sounds like someone worked collecting debt, didnt like it, is a debtor and now wants to go off on the industry.
People, debt collections is just like any other business, some good, some bad. some follow laws, some do not. As a whole the industry collects billions of dollars a year in the US, monies that if unrecouped, would only raise prices for all of us.
Those of us who pay, pay for those of us who dont.
It is responsible of us to pay our legitimate bills on time, and before they go into collections. When we do have an account go into collection, we should expect agencies to follow FDCPA as outline by congress. When that does not occur, we have measures available to stop illegal practices. But, we still must pay our bill!
There are many, many instances where things happen out of our control. I am trying to offer legitimate advice on how best to resolve those situations. I am not an attorney, and do not play one on TV. And did not stay at a Holiday Inn last night. I do have years of experience in the collections and credit industry in a number of professional capacities. I am also not working as an agent for this website. just another schmo who found the cite and offers some help.
I am not being an advocate for the industry, but an advocate for those who honestly need help.
If you know the F.D.C.P.A. so well, then you should know that the maximum fine for breaking it is $1000, not the $25, 000 you claim. And as someone who recently recieved training and liscensing through IC System, I can guarentee that the F.D.C.P.A. is thoroughly covered and understood during the 3 weeks of training provided. I also know that, besides the F.D.C.P.A., there are additional state laws that apply that predeceed the F.D.C.P.A. and are also followed.
IC System has been operating since the 1930's, and are one of the most successful collecting firms in America. They did not receive this reputation with deceit or unlawful practices.
And for the record, IC System does not purchase collectable debt, but rather are hired by Creditors to collect valid debt. IC System is paid by their clients, the creditors, and not by the debtor's. Nor does IC System make the decision of when a debt is sent to collections. Be aware of the debt you accrue, and the businesses you owe to, for they make the decisions, we just make the phone calls.
IC Systems is staffed by the lowest form of pond ### dog **** dirtbags. God will deal with them