IC System: Who They Are and Your Rights

Type

Collection agency

Also known as

I.C. System, Inc.; IC System, Inc.

Headquarters

St. Paul, MN

Collects

medical bills, dental bills, utility bills, veterinary bills, small business accounts, government accounts, state tax accounts

Phone numbers it lists

(800) 279-7244, (866) 628-7811, (800) 443-4123

Website

icsystem.com

12,832 debt collection complaints were sent to the Consumer Financial Protection Bureau about I.C. System, Inc. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is IC System?

I.C. System, Inc. describes itself as an accounts receivable management firm. Its About page says it was founded in 1938, is privately held, and is in its third generation of family ownership, with headquarters outside St. Paul, Minnesota. Its consumer page gives a correspondence address of 444 Highway 96 East, P.O. Box 64378, St. Paul, MN 55164-0378.

IC System posts a downloadable list of its state licenses on its website, which is the place to check whether it holds a license in your state.

Why IC System May Be Contacting You

IC System works as a third-party agency for a wide mix of clients. Its home page lists healthcare and hospitals, dental and veterinary practices, mental health providers, utilities, communications companies, HVAC and plumbing businesses, pest control, schools, credit unions and other financial institutions, law firms, and government agencies. In plain terms, a notice from IC System is often about a final medical or dental bill, a utility or phone balance after a move, or a small-business invoice you may not remember.

The company also collects some government balances. Its consumer page lists separate lines and a separate payment site for Maryland, Kansas and New Hampshire tax accounts, so a letter about a state tax debt can come from IC System as well.

IC System splits its consumer phone lines by account type: (866) 628-7811 for medical accounts, (800) 279-7244 for other inquiries, and (800) 279-9420 for language access. Its general number is (800) 443-4123. It accepts disputes online and by mail at IC System Correspondence, P.O. Box 64319, St. Paul, MN 55164-0319.

How to Check a Debt IC System Says You Owe

Because IC System usually collects for the business that billed you, the fastest check is often a call to that business, combined with a written dispute to IC System.

• Use the validation notice. The FDCPA and Regulation F require a notice that names the creditor, the account number, and an itemization of the balance (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). For a medical bill, look for the provider and the date of service.
• Dispute in writing within the validation period. Ask for the itemized bill, the dates of service, and any insurance payments or adjustments that were applied. IC System must pause collection until it sends verification.
• Ask whether the account was sold. Most IC System accounts are still owned by the original business, but you are entitled to know who owns the debt now.
• Check insurance and payments. Medical and dental balances are frequently wrong because an insurer had not finished processing a claim. Compare the explanation of benefits with the amount on the letter.
• Look at the age of the account. Texas generally allows four years to sue on a consumer debt (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer cannot sue on a time-barred consumer debt in Texas (Tex. Fin. Code § 392.307). Other states use different periods, and tax debts follow their own rules.

What IC System Can and Can't Do

An agency that regularly collects debts owed to others is a "debt collector" under the FDCPA (15 U.S.C. § 1692a(6)). For IC System's consumer accounts, that means:

• It generally may not place more than seven calls in seven days about one debt (12 C.F.R. § 1006.14(b)(2)). See how many times a collector can call.
• For a bill from a licensed Texas health care facility, the provider may not pursue debt collection until it has sent a written itemized bill. See our update on Texas SB 490.
• Paid medical collections, and medical collections under $500, no longer appear on reports from the three national credit bureaus. See credit bureau medical debt changes.
• It may not discuss your debt with your employer or relatives, except in limited situations such as asking for your location (15 U.S.C. § 1692c(b)).
• It may not threaten action it does not intend or is not allowed to take. Texas does not allow wage garnishment for ordinary consumer debts.

If IC System sued you, read our guide to being sued by IC System in Texas. If you think its calls or letters broke the rules, see our Texas FDCPA attorneys page.

Being sued by IC System? Read our full lawsuit guide →

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If IC System or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• IC System: home page
• IC System: About IC System
• IC System: Consumer help
• IC System: Licensing
• CFPB Consumer Complaint Database: I.C. System, Inc., debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that IC System has violated any law. Company details change; tell us if something here is out of date. Lea este perfil en español.