IMC Credit Services 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.
IMC Credit Services, LLC is a third-party collection agency based in South Dakota. IMC has received complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including threatening to take actions that cannot legally be taken and using false or misleading information in an effort to collect a debt. If you have been contacted by IMC, make sure you understand your rights before taking action.
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According to the Better Business Bureau (BBB), IMC Credit Services, LLC is a legitimate debt collection agency founded in 1960 and incorporated in 2007. The BBB established IMC’s profile page in 2007. IMC is listed as a collection agency that uses the alternate business name, Statewide Credit Association, Inc. Buzzfile estimates IMC’s annual revenue at $1.7 million and the size of its headquarters staff at 45 employees.
According to its website, IMC “is a well-established, full-service accounts receivable collection service offering…strategies designed to help clients achieve their recovery goals.” IMC is part of the Receivable Management Partners family of companies and conducted business as Receivables Management Solutions from 1959 until its name change after incorporation. IMC’s mission is “to provide the highest quality collection services to healthcare providers in a professional manner that preserves the dignity and integrity of all members of our community.” IMC cites its commitment to “providing unparalleled client service and producing outstanding collection results that clearly improve the bottom line for our clients; … to providing…employees the support, training and technology that promote personal and professional development; … and to achieving… competitive results in an ethical and professional manner.”
IMC collects debts exclusively in the healthcare filed. As a full-service collection agency, IMC offers an array of services. Their bad debt recovery division provides clients with a “full service, intensive collection approach that emphasizes prompt telephone contact and timely follow up by experienced collectors” for “harder to collect and aged receivables.” Their early-out program provides prospective clients with an option for “transparent 1st party or…3rd party self-pay billing programs.” All of their collection services are “supported by an experienced sales consultant who will diligently work to maintain the relationship.”
IMC’s website is entirely client-facing. There are no links or references to consumer protection resources, laws, or enforcement agencies. Consumer information about responding to collection notices appears only on the bottom third of the Contact Us page, beneath information about sales inquiries, employment opportunities, and directions to their office.
The BBB has closed 41 complaints against IMC in the past three years, with 15 complaints closed in the past 12 months. Most of those complaints allege problems with billing and collection services. They have also received 6 negative reviews. Since August 2015, the Consumer Financial Protection Bureau (CFPB) has closed 10 complaints against IMC. Justia lists at least 15 cases of civil litigation involving IMC.
IMC Credit Services, LLC
PO Box 20636
Indianapolis, IN 46220
Telephone: (800) 466-6933
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely IMC 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!
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Absolutely. Here are some Sample Complaints
Complaints against IMC frequently cite problems resulting from unverified debts and inaccurate reports to the credit reporting agencies. For example, in September 2017, a complainant indicated that he had discovered two delinquent items on his credit reports for bills originating in 2013. He claims the charges were the result of identity theft. He also indicated he had sent letters requesting verification of the debts via registered mail, and that he had received the receipts indicating IMC had received his requests for verification. Regardless, IMC failed to process any of his requests for verification or to have the inaccurate information removed from his credit reports. In response, IMC indicated it had requested that the credit reporting agencies remove the items and that they had requested verification of the debts from the original creditor. They promised to respond further after investigating the matter.
In June 2017, a complainant indicated he had been “receiving calls constantly at all hours from a company called IMC Credit.” When the complainant returned the calls, the representatives he spoke with allegedly claimed he had not reached IMC. During a later contact attempt, an IMC representative “who actually answered when they called said” the delinquent bill was for “a medical account.” The complainant was concerned and “asked why he had any access at all to… medical… information.” The complainant “contacted all medical facilities he had attended” and confirmed that he did “not have any outstanding debt with them.” The complainant “mailed a cease and desist letter stating IMC should stop ALL calls, letters, emails, and remove negative items from the credit reporting agencies at once, but they have NOT done that.” The complainant sought help from the CFPB to confirm that such actions may constitute a violation of the FCRA, the FDCPA, and HIPAA. In response, IMC indicated that the “last conversation or… phone call we show to the complainant was on July 1, 2016.” IMC did not “show any open accounts for the complainant.” IMC indicated further that “the phone number listed in the complaint is not in their data-base and that the two accounts they have on file are paid in full and have been requested to be deleted from the credit bureaus.”
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB).
The 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). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals 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.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency
Your debt harassment checklist:
- 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 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
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
We can make them STOP!✋
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200 NOW.
What Our Clients are Saying
“To anybody who has a problem with a debt collector, I highly suggest Lemberg Law. I obtained attentive, personalized service and obtained resolution within three months.”
“I could not have stopped the collection calls myself.
“Thank you Lemberg Law!!! Harassed non-stop by rude collectors. My attorney was speedy and polite, really knew what she was doing. They took my call, asked what was going on, never interrupted, and were extremely patient. I knew what was going on every step of the way. They got the calls to stop and sent me a check in the mail as promised. I even paid off my debt with the settlement! Ha!.”
“Thank you for standing with me Lemberg Law. I was so afraid I could lose my job because of a caller who called my job number 4 hours straight back to back. He not only harassed and threatened me but also abused workmates who received the call when I wasn’t around. Since I solicited for your services, I’ve had a peace of mind, and I’m happy because of the few dollars I got as a settlement.”
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