I was contacted at 7:15 AM on a Saturday and they left me a message on my Cell phone. They also called my parents and harassed them at the same time. Giving a fake Case # and saying if I didn't return their call by Monday they would submit this to an attorney. Obviously there is no CASE# because I've never been served or I would have filed a answer to respond to the court. So I did my research seeing as how I actually work at a Law Firm in Legal Collections. The practices this junk of a collection agency uses is illegal and immoral. Just like somebody else posted I had my identity stolen and was forced to change bank accounts, moved, and just forgot about this. Never received any Verification of Debt or documentation from anyone. My number has always been the same so the payday loan company could have called me. I contacted them and recorded the conversation all they did was talk over me and try to belittle me as I asked to speak to a manager in regards to their violation at contacting me before 8am. They claimed to work in "arbitration" and were about as unprofessional as it gets. Saying I will get what's coming, I take out payday loans, and so on. I informed the last person after they hung up twice that I had them all on recording on top of the message left and he said good luck see you soon in court. Over a 150$ pay day loan at that. Needless to say I can tell all of these individuals are High School drop outs with Felony charges just by the conversation I had over the telephone with them. I will never pay a company who performs business like this. I will be filing a suit for violations of the FDCPA against ICS and any of their entities in the next week.
Your company is not working within legal framework, get ready to be unemployed.
You must work for these scumbags. What they are doing is totally illegal and I am going to do all I can to get them and Check n Go out of my state. It is absolutely horrible the way they treat people and they may not be aware but some individual employees there can be arrested for terroristic threats.
You "forgot" about a check LOL? YOU "forgot" about the truth or never knew it in the first place.
Just another stupid post from an incompetent excuse for a collection who can't do his job any better than he can find his CAPS LOCK key.
But hey we understand why you wouldn't want your victims to know about THE LAW and their LEGAL RIGHTS --- hell, you never need to worry about the LAW do you, that's why you can't get honest work.
Now go back to the boiler room, loser.
SO MUCH INFORMATION ...
IT APPEARS TO ME THAT YOU HAVE WAY TO MUCH TIME ON YOUR HANDS THAT YOU COULD HAVE BEEN LOOKING FOR A JOB TO PAY YOUR BILLS , INSTEAD YOU POST DUMB A** CRAP THAT IS NOT TRUE ! THIS COMPANY ACTUALLY HELPED ME RESOLVE A CHECK I COMPLETELY FORGOT ABOUT. IM GLAD THEY CALLED ME AS I HAVE INTEGRITY !
YOU ON THE OTHER HAND .. WELL U SOUND LIKE A PROFESSIONAL DEBTOR THAT KNOWS THE INSIDE AND OUTS OF THE FDCPA ..MAYBE YOU SHOULD EITHER GET A JOB IN COLLECTIONS OR GET OFF YOUR LAZY A** AND GET A JOB AND STOP MAKING YOUR WOMEN PROVIDE FOR YOU , OR ARE YOU JUST ANOTHER WELFARE RECIPIENT? PEOPLE LIKE YOU ARE WHAT RAISE THE COST FOR PEOPLE LIKE ME THAT PAY THERE BILLS ! LOOK AT IT THIS WAY .. HAD YOU PAID YOUR BILL/S YOU WOULDNT HAVE EVER RECIEVED A CALL OR NOTICE FROM ANY COMPANY !
OBVIOUSLY WORKS FOR THIS ILLEGAL UNLICENSED COLLECTOR
they are the only ones who claim they are legit when they are NOT
This collection agency is NOT LICENSED - THEY CANNOT COLLECT AT ALL
CheckNgo - probably does not do any business with them to begin with
False threats: Payday lenders sometimes threaten borrowers with criminal prosecution for writing ?bad? checks. In fact, there is nothing illegal about writing these checks (if there were, payday lenders would be aiding and abetting a crime each time that they told a borrower to write a post-dated check). .Nevertheless, many consumers are terrified by these false threats of criminal prosecution.
Depending on YOUR state - 16 States have banned payday loans AND COLLECTIONS on loans. Check with YOUR state Attorney General is you live in these areas
Arizona (as of July 1, 2010)
Payday loans are also illegal in the District of Columbia, the Virgin Islands and Puerto Rico.
In addition, Congress banned payday lending to service members and their families.
Interstate Check Systems (ICS)
15 Hazelwood Drive, #102
Amherst, New York, 14228
Junk debt collectors with no license or bond.
May be owned by convicted felon.
This is an illegal collection agency that operates outside the law.
Avoid them or lose your money.
Aliases Other Locations
Northtown Capital Associates
1) Never assume they have a VALID DEBT OR LEGAL RIGHT TO COLLECT
2) Debt collectors MUST FOLLOW your STATE laws regarding licensing. Check your Secretary of State for licensing requirements for ANY collection agency that contacts you
Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!
THE CORRECT WAY TO HANDLE COLLECTION CALLS AND ILLEGAL TACTICS
READ DEALING WITH DEBT COLLECTORS, RECORDING CALLS AND STATUTE OF LIMITATIONS BY STATE
You can also post your questions here http://www.collectorsexposed.com/forum/ NEW URL!
These links are to attorneys for those being scammed www.naca.net or http://www.consumerjustice.com/consumer/searchattorneys.aspx
Dealing with Debt Collectors
Statute of Limitations by State ? always double check YOUR OWN STATE Government Website
Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
From Federal Trade Commission Website ? FAIR DEBT COLLECTION PRACTICES ACT
Debt Collection FAQs: A Guide for Consumers
If you?re behind in paying your bills, or a creditor?s records mistakenly make it appear that you are, a debt collector may be contacting you.
The Federal Trade Commission (FTC), the nation?s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.
Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.
Here are some questions and answers about your rights under the Act.
What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn?t cover debts you incurred to run a business.
Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they?re told (orally or in writing) that you?re not allowed to get calls there.
How can I stop a debt collector from contacting me?
If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter ? even if you don?t think you owe the debt, can?t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don?t want the collector to contact you again, tell the collector ? in writing ? to stop contacting you. Here?s how to do that:
Make a copy of your letter. Send the original by certified mail, and pay for a ?return receipt? so you?ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.
Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don?t have an attorney, a collector may contact other people ? but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.
What does the debt collector have to tell me about the debt?
Every collector must send you a written ?validation notice? telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don?t think you owe the money.
Can a debt collector keep contacting me if I don?t think I owe any money?
If you send the debt collector a letter stating that you don?t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.
What practices are off limits for debt collectors?
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
use threats of violence or harm;
publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
use obscene or profane language; or
repeatedly use the phone to annoy someone.
False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
falsely claim that they are attorneys or government representatives;
falsely claim that you have committed a crime;
falsely represent that they operate or work for a credit reporting company;
misrepresent the amount you owe;
indicate that papers they send you are legal forms if they aren?t; or
indicate that papers they send to you aren?t legal forms if they are.
Debt collectors also are prohibited from saying that:
you will be arrested if you don?t pay your debt;
they?ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
legal action will be taken against you, if doing so would be illegal or if they don?t intend to take the action.
Debt collectors may not:
give false credit information about you to anyone, including a credit reporting company;
send you anything that looks like an official document from a court or government agency if it isn?t; or
use a false company name.
Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:
try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt ? or your state law ? allows the charge;
deposit a post-dated check early;
take or threaten to take your property unless it can be done legally; or
contact you by postcard.
Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don?t think you owe.
Can a debt collector garnish my bank account or my wages?
If you don?t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.
Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don?t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.
Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:
Social Security Benefits
Supplemental Security Income (SSI) Benefits
Civil Service and Federal Retirement and Disability Benefits
Service Members? Pay
Military Annuities and Survivors? Benefits
Railroad Retirement Benefits
Merchant Seamen Wages
Longshoremen?s and Harbor Workers? Death and Disability Benefits
Foreign Service Retirement and Disability Benefits
Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.
Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can?t prove that you suffered actual damages. You also can be reimbursed for your attorney?s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector?s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.
What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.
Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General?s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General?s office can help you determine your rights under your state?s law.
For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government?s portal to financial education.
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad
File complaints with
Federal Trade Commission https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en
Your State Attorney General
State Attorney General is every state they have offices
Link to all State Attorney General Websites www.naag.org
If you or they are located in NY ? use this SPECIAL Link www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices. HE?S CRACKING DOWN AND SHUTTING THEM DOWN!
Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html If the company is listed under agencies ? report there. If not on the list YET, click on Watchlist! and add to the list. You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0
people two sleazy debt collectors lying to you,,terrann says they handle your accounts professionally,,yeah right these sleazy debt collectors lie to you they threaten you with arrest and check fraud...first place this is not check fraud this is a loan and second place you don't get arrested for a civil matter....these sleazy debt collectors are not making any monies so they come here and write this b***s*** and try to scare you into paying them
thats interesting because when i did research on interstate check systems you find out that their attorney Pat corbin was disbarred they use scare tactics to get people to pay and i found out that some of the employees sell drugs to other employees and that half of the people there have some type of criminal history
"ICS" called me as well -but it was like twice in a 30 day period. I had totally forgot about owing this check as i took my cash advancement in 2008 as well. My identity was stolen which caused the need for me to close my checking account and open a new one. I'm actually glad they contacted me so i could clear up my check as I'm a responsible adult. The investigator was very professional and courteous, as well i wasn't talked to like a " piece of crap " As we all know and have been contacted by bill collectors in the past ! This company did provide the ness. documentation and yes there are attorneys ! I also did my home work ! Kuddo's to ICS ! and thank you so much for all your help !
These guys called me twice this week. Now before i pay them i have done several searches n this is wat i have found--Collection Litigation: ICS has a legal team to handle client authorized litigation. Legal remedies and representation have always been a necessity in recovering unpaid accounts. ICS has an experienced collection law firm to handle your accounts effectively and represent your collection accounts in accordance with all state and federal laws and . from lawsuits, to estate, bankruptcy and special cases, ICS attorneys have over 30 years of experience in handling collection accounts.
- they have a website as well of ics. this could be of help to anyone who has been called by this company
Tired of these calls
Thanks to "scared momma" I can put a name to this call. ICS, Interstate Check Systems. Lady keeps calling around wanting info on an employee. She is rude and pushy and is using scare tactics to find out info. Little does she know we also do collections! There are fair ways to collect and this is not an example of one.
Tired of these calls
So weird I have already filed a complaint today in regards to this same co. A woman has been calling to the work place requesting info on an employee. Like any Co we do not disclose info on our employees and the person requesting Employment verification must go through corporate. They will only confirm if the employee is currently employed. Anyway we got two calls last week and again two calls today. This time how ever the lady tried posing as a customer to get the employees whereabouts but since i took the call last time, I knew what she was up to. Again I told her i could not give her any info and she got very irate as she did before...as if this was my problem. She is blocking her call and then when you call back the number provided it does not identify the Co.
My mother in law received a phone call asking for me stating they were from ics and they investigate check fraud. She said I owed check n go from 2008 and now owe $952. My mil gave me the womens phone number and ext. and the case number. When I called them I was angry and yelled at the women because they were calling and giving out potentially personal information. She transferred me to her supervisor. When I was getting upset with her also because I haven't heard anything in the past 2 years and now they are telling me to pay or they are turning me in for check fraud. She said she will just hang up the phone and I can contact my attorney. When I started listening to her she said I had until the end of the month to pay or they would submit it to the county attorney and charge me with check fraud. (in 2008 i had taken a cash advance out and ended up getting overdraft charges from it so I put a stop pay on it so i wouldn't get anymore nsf charges... last year I contacted check n go and they told me they didnt show me owing anything and I haven't received any notices in the mail regarding check n go. so honestly i have forgotten about it. ) I questioned why the amount was so much because check n go doesnt give you a loan for more than $500 and I don't think mine was for that much. So at the least the balance owing has doubled! She said the interest rate keeps going up with each collection agency it goes to. She said it is past the point of payment arrangements and I need to pay all by end of month. How did they get a hold of me now... but no one could contact me in the last 2 years? And why couldn't check n go tell me an outstanding balance when I called them when I had the money? I have read that interstate check systems can b a fraud... could this be apart of that. They just told me ics but I called back and when i got the voicemail she said interstate check systems.