the B call me as if she the FBI looking for me. when I as her to identify herself she didnt want to tell me why she wants to call me.

This number also calls under the number - 888-312-3593 - which showed up on my caller ID as AIC System. I looked up under 800notes.com. This is a debt collection agency that doesn't leave messages. Funny how these companies call under a LOT of differenct numbers and names!!!!!!!!!

I got a phone call from this phone number today looking for someone else. When I asked what it was regarding he wouldn't tell me anything other than 'a personal business matter.' I am fairly certain he gave me a fake name as well. Annoyed.

Unknown caller,  will not identify who they are and what they are calling about.  Need to ban them from calling

This number calls and asks if you are you...tells you to wait a moment, puts you on hold with music, then hangs up.

I have  the calls 2 sometime 5 times a day. I so hate them. Please tall them go to hail. 1-888-735-8029

good luck to you because i had the unfortuntate dealing with these people. first they called my job request they stop. they actually did. but then they just blew up my cell phone and when i did talk to a person. i got a very rude lady. she barely let me speak to ask or verify anything. i tried to keep talking over her to explain i was dealing with the creditor she rudely interrupted and said i wasnt and i was to pay them. HA!! that will never happen. i blocked all their numbers trust me they have many. and sent them a cease and desist letter. and handled it with the original creditor.  these people are rude and they dont let you say much or ask anything.

I WAS CALLED ABOUT SOME FREAKING ACCOUNT UNDER MY NAME....AT MY WORK ADDRESS.... AND ON MY MOTHERS SOCIAL SECURITY NUMBER.....WTF???? I DONT EVEN KNOW HER SS # AND THE IDIOT WAS JUST ASKING ME FOR MY PAYMENT INFO SO I COULD PAY FOR $600 AND WHEN I CUT HIM OFF TO ASK WHAT THIS WAS ABOUT HE JUST WENT LIKE "MA'M CALM DOWN , I NEED THE PAYEMTN INFO" AND WHEN I SAID I NEEDED TO KNOW WHAT THIS WAS ABOUT HE SIMPLY SAID I HAVE TO GO, I HAVE TO GO AND WOULDNT LET ME TALK JUST SAID I HAVE TO GO AND HUNG UP!!!!

NOW THEYRE FREAKIN AFFECTING MY MOTHERS CREDIT AND SHE WANTS ME TO PAY FOR IT!!! I DONT KNOW WHAT IT IS!!! WTF????

I was called at my place of employment regarding some personal matter from these people?

CALL EVERY MORNING AT 8:30 AM. SAYS HE'S HANDLING A PRIVATE BUSINESS MATTER.
HE (DENNIS) REFUSES INFORMATION

i'VE TOLD HIM THIS IS A DO NOT CALL NUMBER

I am not and have not been a client of IC Systems.  Their employees call and hang up throught the day disturbing my job and I have nothing to do with them. When I call to speak with a supervisor, they hang up.

THE CORRECT WAY TO HANDLE COLLECTION CALLS AND ILLEGAL TACTICS

HANDLE IT CORRECTLY AND THEY WILL END UP PAYING YOU

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

Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

Dealing with Debt Collectors
Http://www.budhibbs.com/First.htm    
    
Statute of Limitations by State ? always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm

Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm


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
    Veterans? Benefits
    Civil Service and Federal Retirement and Disability Benefits
    Service Members? Pay
    Military Annuities and Survivors? Benefits
    Student Assistance
    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
February 2009

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

They called us too.  Would not identify themselves.  Rude as heck.

tell them to stop calling your job  give a number to reach you at.  and the next time they call your job  sue them  the law backs you up  if you do it  this way.

So...  If i'm reading the above post right, then they're calling from cell phones which explains all the strange numbers.  i am fairly certain that's illegal.  i'll call the ftc, and the credit bureaus.

Depending on your cell carrier, you can block calls from certain numbers, like these idiots...

you can't block restricted numbers...

They are calling in re to a debt my brother owes. My brother has been dead for 3 years. They want me to send them his death cert, but will not tell me what the debt is or to who. I refuse to send the death cert. told them if they need a varification that he is dead then call the sate of Illinois vital stat.

they have been calling me for weeks. for the most part a guy ask for me by first name and then put the woman on. LOL what's that about? she asked for me and when I ask for her name and where is she calling from she says , "this is a business matter and are you.." I say who are you, and she give the name of the company. Never saying whom she is. She gave an address and asked if it were mine. I said, may I have your number and someone will contact you. She gave me  i c business system- 888-735-8029 and a reference number. Then it seemed like she realized she made a mistake, because I could hear a sigh.
This is getting to be a bother, and you're right; the letters mean nothing to these people.

they call my work multiple times per week

HOLY COW.  I came home from driving downtown, paying parking, and walking in the rain only to get notified that I was not needed.  By the time I got home, needless to say, I was already extremely stressed out.  My mother gave me a message saying that I had been called from this number and wrote down an account number.  When I called back, I told the person who answered my account number and I was either transferred or not, honestly I was so upset when I hung up that those details aren't clear.  What IS clear is when I ATTEMPTED to explain the situation to the female collector, she was VERY EXTREMELY HOSTILE from the GET-GO.  I called in a calm polite manner so there was absolutely NO reason for the nastiness.  I told her that I didn't have the money to pay the bill and that I was working and barely had any money cause I hadn't gotten paid yet.  She then said "well how are you getting to work then if you have no money?"  This was my first time dealing with a collection agency because of a personal debt and I was SO taken aback.  I told her that I had yet to get paid and the money I had I was using to LIVE.  To EAT.  I have actually been going hungry because I'm so broke.  She then said "well you don't consider it important to pay your DOCTOR?!" in an unbelievably snide tone.  The doctor I "owe" is because I had an emergency and called 21 hours ahead to cancel instead of the regulatory 24, and the receptionist had not a sympathetic cell in her body and wouldn't budge.  So needless to say, I did cancel and was still charged a no-show fee due to three hours and have put that bill on the back burner because it was so asinine.  The no-show fee was $50 but somehow the collection agency has turned it into $60.  While the female collector was in the midst of telling me off for all my moral failings, I simply hung up, SHOCKED OUT OF MY MIND.  

There aren't words for how badly I am going to treat this agency now.  No.  Freaking.  Words.  My doctor I "owe?"  My PSYCHIATRIST.  This isn't a threat - I'm not gonna do anything violent or illegal - but messing with someone like that who already is a bit unstable isn't really the wisest decision on their turn.  I have OODLES of anger to spare and now I have a couple good places to direct my attention to.

Just fyi, this is a legitimate collection agency. In my case they were collecting on one of those old doctors bills that got passed back and forth between my insurance company and doctors office that I didn't realize was still out there. At any rate, this isn't a scam.

Next time they call you get their address and send them Cease and Desist letter. After you mail them this letter their not allowed to contact you by LAW and if they do you could legal file lawsuit against them.

your Name
Address
SS#

IC Systems
PO BOX 64378
St Paul Minnesota, 55164


Date:     

RE:     Account number:


Dear Sir or Madam:

    I requested that you CEASE and DESIST in your efforts to collect on the above referenced account. It is my personal policy not to deal with collection agencies and I will only deal with the original creditor of this account.

You are hereby instructed to cease collection efforts immediately or face legal sanctions under applicable federal and state law.

GIVE THIS LETTER THE IMMEDIATE ATTENTION IT DESERVES.


Cordially,

frequent, annoying calls.  we have no reason to have business with this company

NEW GAME!!!  they refuse to quit calling even after i had my lawyer send them a letter, AND i keep telling them to call my lawyer because the debt is NOT MINE!! they keep saying if i don't give them all this information they want (over phone) they will just keep calling and then hang up.  wellllll -- they are human after all!!  

one saturday (we have free long distance), i programmed my phone with their number, put it in my pocket and went about my business -- only i hit redial (and speaker phone, just for fun) everytime possible.  i would get repeat people picking up (stephanie gets the most furious, hehe).  i did this for hours -- they called me names, told me i was a loser, costing them money (i guess a charge each time the 800 number is called), and were getting downright angry!!  well, do tell!!  stephanie told me she was reporting me because there was a law against calling 800 numbers (huh?  really?  you want me to quit calling?  well, quit calling me!!).  they were downright ANNOYED, pooooo! BUT THE MOST FUN??  i called them on two different lines, put both on speaker and listened while they heard themselves say things like, "hey, mike we have a crossed line, hang jim, hang up -- we've got a computer glitch . . ."  i NEVER say a word on any of these calls (however, today, THEY were calling me over and over in 'retaliation').  i've heard they can use anything you say as a verbal 'contract.'  also, i have found out from research that if the debt has already been "charged off" then they don't have the lawful right to collect.  they can certainly try (they buy them from the original creditor), but there is no legal recourse here.  but i will tell you, i did have more fun having them talk to themselves.  THEY were the ones in the hot seat!!  trouble?  not at all, thanks to cell/cordless phones, it just takes a second or two to hit the button again . . . and again . . . and again . . . and again . . . hehehehehehehehehehe!!  DON'T GET MAD -- GET EVEN!!  suuuuuuse :)

i just got a call from these goof balls,,,they asked me if this was me,,and if i still lived at this address,,,,i asked who is this,,what is this for,,,and the fella refused to answer me,,saying,,,"i'm not going to give you any information!",,,i replied,,"i'm not going to give you any information until you tell me who you are!",,,aren't they supposed to tell you what it's for and why???

I must have miss hit trying to silence the phone and a man was on the line.  He, when pressed, identified himself as Chris, but wouldn't give a company or last name.  He said he had business with someone who gave him my number.  I do know the individual, but of course did not divulge her number.  Chris then warned, "I'm going to keep calling!"  I asked him his business, and last name - offering to pass on the information.  He said his name was Chris Spanky.  He was belligerent, and I said I did hope the call was being recorded as he wasn't acting very professional.

They call twice a day to leave an automated message "If this is so&so press 1".  How about introducing yourself and stating a reason for the call?  

Most likely it won't do any good, but since my number is in the donotcall.gov database, I file a complaint every single time they call.  Needless to say, my credit is spotless, always has been, and a company that has been in this business for several decades should know how to check it.

Everything is for sale if you know where to look.

I started seeing this # on my cellphone in the am & pm & finally called it back.  The fool on the other end ofcourse was rude, I was nice enough to verify my name with her & then she read off an address & I asked her to give me more detail of what this call is about.  She would not tell me....why??? I told her nicely that this is 2007 & I am not going to give out my address until she gives me more information.  She still said the same line about blah blah business matter blah blah  & I replied ...ok I verified my name & then she said in a rude way well there are many others with the same name!  I said I don't think so!  By this time I was furious & so I wouldnt lose my religion & also because I wasnt getting anywhere I hung up!  I will call them in the AM & maybe I will get a mature adult!

these people keep calling, I told them I would make payment arrangements and they would say, "will make a note to refuse to pay" I have never refused to pay all I said I will make payment arrangments because I'm unemployed. That is not good enough they call every day upto 9pm at night. I have do not call and they just don't stop.

To answer many of the questions/concerns...

1) Collection agencies obtain your phone number (cell phone too!) several ways. Either YOU provided it when applying for credit, it is listed as your contact number through a service provider (doctor's office, school tuition office, etc.) OR, someone you know provided your name and phone number as a reference when THEY tried to obtain credit, and now the agency is calling you trying to track down that individual in an attempt to collect a debt.

2) Many collection agencies will NOT leave a message because your credit and financial information (or whoever used you as a reference) is considered private information. Would YOU want them to leave a message, and have your husband/mother/boss overhear it? I think not.

3) This is a legitimate collection agency. Make sure that you remain calm with this and ANY collection agency. Many are trained to play hard-ball, as the above entry explains. DO NOT FIGHT FIRE WITH FIRE!

Be weary, if you hang up on them, get rude or curse at them, they CAN and WILL put nasty comments it your credit profile, there is a possibility that creditors can see these negative comments when you apply for credit. (ex. if you hang up: "Customer refused to pay debt and hung up after stating so.")



My Experience -- IC Systems called to inform me that an account of mine had gone to collections - the DAY after the doctor's office reported it to IC. The agent was firm and informative, but no more unpleasant than most customer service reps can be these days. Another young lady called me by accident looking for another client, and apologized profusely for making such a mistake.