How to beat IC System in court
Chloe Meltzer | October 19, 2022
Summary: Is IC System, Inc. suing you for a debt? Beat them with SoloSuit's help.
Paying bills is a necessary evil of life. If you happen to get behind on your bills, due to job loss or another setback, it can greatly impact your pay schedule. After a certain number of missed payments, you may have debt collectors coming after you. One of those debt collectors might be IC System Inc.
Who is I.C. System, Inc?
At first glance, you might think that I.C. System, Inc is a scam. However, this company is a family-run debt collection agency based out of St. Paul, Minnesota and founded in 1938. Often hired to collect on many different types of debt, I.C Systems most commonly collects on medical, utility bills, and government debts.
As an authorized debt collection agency. I.C. System, Inc purchases debt from other businesses and attempts to collect the debt from consumers. Typically IC Systems purchases the debt for much less than the original value, which is why they often lack the legal paperwork required to collect the debt. As such, it is important that you learn your rights so you can protect yourself against IC Systems.
Having received many complaints over the years, I.C. System is known to violate the Fair Debt Collection Practices Act (FDCPA). Consumers have accused IC System of making false statements or representations in order to pursue debt collection. Other examples of these violations include:
- Attempting to collect a debt not owed
- Threatening to contact an employer and sharing information improperly
- Improper communication tactics
What is the FDCPA?
The Fair Debt Collection Practices Act, or FDCPA, is a law that governs third-party debt collectors. It protects consumers from unethical or abusive debt collections strategies. Enforced by the Federal Trade Commission, the FDCPA prohibits debt collectors from:
- Calling you before 8 am or after 9 pm
- Claiming that you owe an amount that is not legally owed or within the original creditor agreement
- Swearing, raising their voice, calling you names
- Saying that you can be arrested or sent to jail for not paying your debts
- Making threats that they cannot legally carry out or have no intention of carrying out
- Discussing your debt with anyone other than you, your spouse, or your attorney
Violations of the FDCPA are common even though they are illegal. Because of this, debt collectors continue to use them because consumers end up paying. Many consumers would rather pay than deal with harassment and abuse.
How to fight IC System
If you owe a valid debt to IC System and you fail to pay it off, you may find yourself sued in court. You have 14-30 days to respond to the debt Summons and Complaint, depending on which state you're sued in. If you fail to respond in time, then the court will order a default judgment against you. Default judgments declare the amount owed, and eventually allow IC System to collect on that amount by garnishing your wages.f.
According to the FDCPA, IC System cannot threaten to garnish your wages until an order has been made by the court. To prevent receiving a default judgment in a lawsuit against IC System, you should focus on responding to the lawsuit and fighting them in court.
Steps to respond to a debt collection lawsuit
Responding to a debt lawsuit can be intimidating, and finding a lawyer can be costly and challenging. You can represent yourself in court by following these 3 steps:
Step 1: Respond
The most important part of winning a debt collection lawsuit is to respond. Around 90% of people sued for debt automatically lose their case because they don't know how to respond to the Summons and Complaint. The Complaint lists all the specific allegations against you, and you should respond to each of them with one of the following pleas:
- Admit: Admit you owe the debt.
- Deny: This is like saying, “prove it.”
- Deny due to lack of knowledge: This is like saying, “I don't know.”
SoloSuit makes responding in court easy and simple. You can draft your legal Answer with SoloSuit, for free, in minutes.
Step 2: Assert affirmative defenses
Asserting your affirmative defenses is basically like stating your side of the case. Affirmative defenses are facts claimed by a defendant (in this case, you) that, if proven, defeat the collector's claims. You must list your affirmative defenses in your Answer to the lawsuit, or else they cannot be brought up later in the lawsuit.
Use SoloSuit to make the right affirmative defense and win in court.
Step 3: File the Answer
- After you've prepared your Answer with responses and affirmative defenses, you need to file it with the court and send a copy to the opposing attorney. Here are some tips on proper filing: Print two copies of your Answer
- Mail one copy to the court (certified mail)
- Mail the other copy to the plaintiff's attorney (certified mail)
SoloSuit can help you file an Answer in all 50 states.
Check out this flowchart that outlines all the possible routes a debt lawsuit can take:
IC System's violations of the FDCPA
The Consumer Financial Protection Bureau (CFPB) has received more than 2,500 consumer complaints against IC System as of 2018. These complaints involve IC System's practice of the following tactics:
- Harassment using the telephone
- Calling or leaving voicemail messages without identifying the caller as a debt collector seeking to collect a debt
- Falsely representing the character and status of the debt
- Using false and deceptive means to collect a debt
- Misrepresenting the name of the company
If you get a call from IC System or another debt collector attempting to collect a debt from you, take action. If you insist that the debt does not belong to you and IC Systems keeps calling, then you may be entitled to a countersuit as per the FDCPA. You can win $1,000 per FDCPA violation, plus court costs, attorney fees, and any damages you may have suffered. This often means that the case will be dropped as well. Explore your options with SoloSuit and beat IC Systems today.
SoloSuit can help you file an Answer in all 50 states.
What is SoloSuit?
SoloSuit makes it easy to respond to a debt collection lawsuit.
How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.
Respond with SoloSuit
"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James
We have answers.
Join our community of over 40,000 people.
You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now or are just looking for support, we're here for you.
Ask a Question
>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate
>>Read the NPR story on SoloSuit: A Student Solution To Give Utah Debtors A Fighting Chance
How to answer a summons for debt collection in your state
Here's a list of guides for other states.
All 50 states.
Guides on how to beat every debt collector
Being sued by a different debt collector? Were making guides on how to beat each one.
Win against credit card companies
Is your credit card company suing you? Learn how you can beat each one.
Going to Court for Credit Card Debt — Key Tips
How to Negotiate Credit Card Debts
How to Settle a Credit Card Debt Lawsuit — Ultimate Guide
Get answers to these FAQs
Need more info on statutes of limitations? Read our 50-state guide.
Why do debt collectors block their phone numbers?
How long do debt collectors take to respond to debt validation letters?
What are the biggest debt collector companies in the US?
Is Zombie Debt Still a Problem in 2019?
If a car is repossessed, do I still owe the debt?
Is Portfolio Recovery Associates Legit?
Is There a Judgment Against Me Without my Knowledge?
Should I File Bankruptcy Before or After a Judgment?
What is a default judgment?— What do I do?
Summoned to Court for Medical Bills — What Do I Do?
What Happens If Someone Sues You and You Have No Money?
What Happens If You Never Answer Debt Collectors?
What Happens When a Debt Is Sold to a Collection Agency
What is a Stipulated Judgment?
What is the Deadline for a Defendants Answer to Avoid a Default Judgment?
Can a Judgement Creditor Take my Car?
Can I Settle a Debt After Being Served?
Can I Stop Wage Garnishment?
Can You Appeal a Default Judgement?
Do I Need a Debt Collection Defense Attorney?
Do I Need a Payday Loans Lawyer?
Do student loans go away after 7 years? — Student Loan Debt Guide
Am I Responsible for My Spouses Medical Debt?
Should I Marry Someone With Debt?
Can a Debt Collector Leave a Voicemail?
How Does Debt Assignment Work?
What Happens If a Defendant Does Not Pay a Judgment?
How Does Debt Assignment Work?
Can You Serve Someone with a Collections Lawsuit at Their Work?
What Is a Warrant in Debt?
How Many Times Can a Judgment be Renewed in Oklahoma?
Can an Eviction Be Reversed?
Does Debt Consolidation Have Risks?
What Happens If You Avoid Getting Served Court Papers?
Does Student Debt Die With You?
Can Debt Collectors Call You at Work in Texas?
How Much Do You Have to Be in Debt to File for Chapter 7?
What Is the Statute of Limitations on Debt in Washington?
How Long Does a Judgment Last?
Can Private Disability Payments Be Garnished?
Can Debt Collectors Call From Local Numbers?
Does the Fair Credit Reporting Act Work in Florida?
The Truth: Should You Never Pay a Debt Collection Agency?
Should You Communicate with a Debt Collector in Writing or by Telephone?
Do I Need a Debt Negotiator?
What Happens After a Motion for Default Is Filed?
Can a Process Server Leave a Summons Taped to My Door?
Learn More With These Additional Resources:
Need help managing your finances? Check out these resources.
How to Make a Debt Validation Letter - The Ultimate Guide
How to Make a Motion to Compel Arbitration Without an Attorney
How to Stop Wage Garnishment — Everything You Need to Know
How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)
Defending Yourself in Court Against a Debt Collector
Tips on you can to file an FDCPA lawsuit against a debt collection agency
Advice on how to answer a summons for debt collection.
Effective strategies for how to get back on track after a debt lawsuit
New Hampshire Statute of Limitations on Debt
Sample Cease and Desist Letter Against Debt Collectors
The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah
West Virginia Statute of Limitations on Debt
What debt collectors cannot do — FDCPA explained
Defending Yourself in Court Against Debt Collector
How to Liquidate Debt
Arkansas Statute of Limitations on Debt
Youre Drowning in Debt — Heres How to Swim
Help! Im Being Sued by My Debt Collector
How to Make a Motion to Vacate Judgment
How to Answer Summons for Debt Collection in Vermont
North Dakota Statute of Limitations on Debt
ClearPoint Debt Management Review
Indiana Statute of Limitations on Debt
Oregon Eviction Laws - What They Say
CuraDebt Debt Settlement Review
How to Write a Re-Aging Debt Letter
How to Appear in Court by Phone
How to Use the Doctrine of Unclean Hands
Debt Consolidation in Eugene, Oregon
Summoned to Court for Medical Bills? What to Do Next
How to Make a Debt Settlement Agreement
Received a 3-Day Eviction Notice? Heres What to Do
How to Answer a Lawsuit for Debt Collection
Tips for Leaving the Country With Unpaid Credit Card Debt
Kansas Statute of Limitations on Debt Collection
How to File in Small Claims Court in Iowa
How to File a Civil Answer in Kings County Supreme Court
Roseland Associates Debt Consolidation Review
How to Stop a Garnishment
Debt Eraser Review
Do Debt Collectors Ever Give Up?
Can They Garnish Your Wages for Credit Card Debt?
How Often Do Credit Card Companies Sue for Non-Payment?
How Long Does a Judgment Last?
How Long Before a Creditor Can Garnish Wages?
How to Beat a Bill Collector in Court