IC Systems Daily Words of Discouragement, daily harrassment St. Paul Minnesota

But one thing to remember is Ic System doesn't decide on what an acceptable minimum payment is these guidelines are set by the creditor that outsources the debt. If the payment you are offering is lower then that, this is usually based of of the amount you owe. For instance if you owe $5,000. a typical minimum payment would be $160. ect.. of you offer less then that we cant take it at all no matter what. The clients determine whether or not you will get called , everyday, every 3 days once a week ect. The collection agency simply follows the guidelines set by them.

Just because you are unemployed doesn't mean we can just stop calling. We have to continue to call until an acceptable arrangement is made. You always have the option to send a cease and desist letter in the mail, this will stop calls.
I understand how frustrating the process is but when you let ac account get that far past due you will end up at a collection agency.

As far as skip tracing technology, we normally find your phone number on your credit report. Its not that advanced. Every single phone number you report or have had is on their. We would have no way whatsoever to track down whether or not someone is employed. It would be illegal to investigate someones account to see if they are getting unemployment checks.

One other thing to remember is after your account leaves IC System with no arrangements being made and the account charges off you often end up an an attorneys office and they will get the debt paid no matter what they have to be it wage garnishment, liens judgements ect.. You may want to find out what you payment is, how short you are and find a way to make up the difference so this doesn't happen.