We Help Stop Internal Credit Systems ICS Collections Harassment

How To Put An End to Unwanted Calls and Debt Collector Abuse and Threats.

Updated on Author: Sergei Lemberg

Updated on Author: Sergei Lemberg

Internal Credit Systems ICS
Internal Credit Systems Inc is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.

What is Internal Credit Systems?

Internal Credit Systems Inc or ICS is a third-party debt collection agency based in North Carolina. ICS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), such as using abusive or threatening language in an effort to collect a debt and threatening to take actions that cannot legally be taken. If Internal Credit Systems has contacted you about past due financial obligations, make sure you understand your rights before taking action.

Have questions? Call us now at 475-277-1600 for a Free Case Evaluation.

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The harassing company pays our fees.

Is Internal Credit Systems a scam?

They’re legit. According to the Better Business Bureau (BBB), Internal Credit Systems, Inc. was founded and incorporated in 1999. The BBB established a profile page for ICS in 2000. The BBB lists Internal Credit Systems as a collection agency. Buzzfile estimates ICS’s annual revenue at $450,000 and the size of its headquarters staff at 5 employees.

Who does Internal Credit Systems collect for?

Internal Credit Systems does not maintain a publicly accessible website detailing their business practices but from complaints around the web it appears that they collect on past due membership fees for gyms and fitness clubs.

The LinkedIn professional networking site also hosts a profile page for Internal Credit Systems. According to this listing, ICS is a legal services company. LinkedIn also hosts a profile page for one of ICS’s employees, who serves as General Counsel at ICS. According to his profile page, ICS is a collection agency “serving fitness facilities worldwide,” and he has “cultivated the organization from its inception through strategic growth and expansion of its industry footprint…by providing daily legal advice to senior executives, … drafting contracts, negotiation, litigation assistance, regulatory and overall compliance advice, and additional related legal and business duties.”

The Yellow Pages listing for Internal Credit Systems indicates that ICS is a collection agency that has been in business for 21 years, but does not provide any details about their business practices or client base. The Yellow Pages listing also shows 9 customer reviews, all of which have given ICS a rating of 1 star out of a possible 5.

A basic internet search reveals some cases of civil litigation involving Internal Credit Systems, but there is very little information about ICS’s business practices, the types of business or industries they serve, or anything about their regulatory compliance policies.

How many Complaints are there against Internal Credit Systems?

As of February 2020, the BBB has closed 3 complaints against Internal Credit Systems in the preceding 3 years, with 2 complaints closed in the previous 12 months. Complaints are evenly spilt among those citing problems with billing and collections, advertising and sales, and customer service. The Consumer Financial Protection Bureau (CFPB) has not posted any complaint data regarding ICS. Justia lists at least 2 cases of civil litigation involving ICS.

Contact Information

Internal Credit Systems, Inc.
5504 Durham Chapel Hill Blvd., Ste. 200
Durham, NC 27707-3343
Telephone: (919) 401-1900

Who are we? We are Lemberg Law, a Consumer Law Firm

Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today!  There is no charge unless we win.

Can Internal Credit Systems Sue Me or Garnish My Wages?

It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely ICS would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!

Can you help me file a No Fee Lawsuit against Internal Credit Systems?

Absolutely.  You can sue a debt collector. Here is a Sample Complaint:

Complaints against Internal Credit Systems cite problems resulting from disputes about the validity of debts and allegations of harassment and extremely rude and abusive collection staff. In December 2019, a complainant stated that he had been contacted by ICS about a delinquent fitness club bill and was forced to file a complaint due to the “deceptive and aggressive techniques employed by this business.” According to the complainant, although he “understands that the role of a debt collector attracts criticism, …his complaint does not revolve around the nature of their job but the way it was carried out by ICS.” He said he had been contacted by an ICS representative who “opened the call by informing him that he was an attorney and had been hired by a gym to settle a small balance he owed to them. The call was very short,” and the ICS representative allegedly “shouted for most of it and concluded” by stating, “‘This matter will be taken to court if payment is not remitted as soon as possible.’” At that point, the complainant “tried to let the ICS representative know he would contact the gym, but he hung up.” The complainant said that “this was the most unprofessional call he had ever received.” Although he is not a lawyer, he is “a small business owner who interacts with attorneys several times a month and had… never had anyone speak to him or even behave as an antagonistic person…in the way this caller did.” The complainant said that the ICS representative “did not have the qualifications or temperament necessary to run… a business of this nature. Furthermore, he would not provide any information about himself or his company, but wanted the complainant to hand over credit card information.” The complainant said he “settled this matter with the gym directly” and that the entire problem resulted from a new debit card that caused an auto-renew payment not to be processed. In response, the ICS representative stated that “first of all, he had never told the complainant that he was an attorney. The complainant wasn’t listening. Second of all, if the complainant handled his business to start with, he wouldn’t have been sent to collections. He was called numerous times by the drafting company.” ICS concluded by stating that it is “amazing to see people complain about something they caused” because, after all, the complainant had paid the debt.

In June 2018, a complainant stated that Internal Credit Systems was “trying to get him to pay money for a gym he hadn’t belonged to” for over a year. According to the complainant, ICS “pointed out that his last payment was made six months earlier, which actually helped him make a claim with his bank since they were taking money from his account when they shouldn’t have.” He said he had moved, so he did not renew his membership and had “already cleared this up with the gym owner, who said he made notes in the system.” The complainant said that he wasn’t sure why ICS was contacting him, but when he “did call them back to rectify the situation, he spoke with the world’s rudest man. He disregarded everything the complainant said and cut him off at every chance to tell him how much smarter he was than the complainant.” Allegedly, the ICS representative’s “exact words were, ‘I’m the smartest person you will ever speak to.’” The complainant said it was “really hard to take a company like this seriously, so he will chalk it up to some kind of scam.” However, he also said that ICS “should be barred from doing collections…They threaten to personally bring people to court and make bizarre claims about how important they are.” And this call “was over a few hundred dollars that he did not even owe.” In response, the ICS representative stated that he “didn’t send the complainant to collections—the gym did.” He also said that the complainant “did not cancel his membership properly,” and that if “the issue is resolved with the gym, then why hasn’t the gym canceled his membership.” ICS accused the complainant of calling them and “talking nonsense and didn’t want to hear what he had to say.” He said the complainant’s membership has “never been cancelled and has a balance. End of story.”

Internal Credit Systems Calling You?

Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).

Can I sue ICS for harassment?

Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.

Want to Stop Debt Collection Harassment Now?

You may have a case, if…

  • You are receiving multiple calls per week from third party collection agencies.
  • You are receiving early morning or late night calls from debt collectors
  • You are receiving calls at work from a debt collection agency
  • Debt collectors are calling your family, friends, neighbors, or coworkers
  • Collectors are threatening you with violence, lawsuit, or arrest
  • A debt collector attempts to collect more than you owe
  • You are being threatened with negative credit reporting
  • A debt collector attempts to intimidate you
  • Criminal accusations are being made towards you
  • Use of obscene language during an attempt to collect
  • Automated robocalls are being made to your phone in an attempt to collect

What Our Clients are Saying

“With your help the nagging collection calls have finally ceased! I was thrilled I was also able to get damages from the collection agency. I am unable to adequately express my joy. I am so thankful I made the call.”

“When I first emailed the office, I was not exactly sure what they could do for me. I had an idea, but they responded back with everything I could expect to take place. I never believed I would be receiving a check, it was definitely a silver lining. I highly recommend them to anyone seeking customer legal services.”

“I just wanted to let you know we received the check from your office on now and I wanted to take some time to inform you that we really appreciate all of your efforts in this matter.”

Can You Help Me Delete Internal Credit Systems from My Credit Report?

We ought to be able to assist. Give us a call and tell us what is happening.

Share your story

Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.

Sergei Lemberg

About the Author:

Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.

See more posts from Sergei Lemberg
  • Casey

    Is TED an attorney like he stated? Why is TED allowed to talk the way he talks to people? Why is TED not being penalized for his actions?

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