Immediate Credit Recovery ICR Collections Complaints. Stop the Calls

We help consumers who have complaints about collection harassment.

Immediate Credit Recovery Inc or ICR 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.

Quick links:

What is Immediate Credit Recovery – ICR?

Immediate Credit Recovery or ICR is a third-party collection agency specializing in student loan debt. ICR has received many complaints from consumers alleging violations of the Fair Debt Collections Practices Act (FDCPA) such as using inappropriate communication tactics and making threats.If you have been contacted by ICR regarding a delinquent debt, make sure you know your rights before responding.

Have questions? Call us now at 855-301-6100 for a Free Case Evaluation.

Our services are absolutely FREE to you.

The harassing company pays our fees.

Is Immediate Credit Recovery a scam?

They’re legit. span>According to the Better Business Bureau (BBB), Immediate Credit Recovery is a legitimate collection agency founded in 1990, incorporated in New York state in 1998, and has a headquarters located in Georgia. The BBB opened its file on ICR in 2010. Buzzfile estimates ICR’s annual revenue at $8.1 million.

Immediate Credit Recovery serves creditors who issue loans or extend credit for higher education and healthcare as well as government and commercial clients. They cite as strengths their “excellent management oversight, zero-tolerance complaint program, exceptional customer service, advanced borrower privacy and data security safeguards, on-line account review and reporting…and cutting-edge technology.”In its mission statement, ICR has made a commitment to providing “superior debt recovery services while maintaining the highest level of professionalism and respect for all parties involved.” They have made a “pledge to ensure that all consumer debtors maintain their dignity and self-worth throughout the assistance being provided to them in resolving their outstanding debts.”

Immediate Credit Recovery homepage features a resource center that provides information for site visitors about information related to debt collection and lending. There are links to pages on the Federal Trade Commission’s (FTC) website about the FDCPA and the Fair Credit Reporting Act (FCRA). There are also links to websites with skip-tracing tools, student loan servicers, and other legal references. However, ICR’s website does not include much information about its own compliance policies. The Client Links tab provides access to web portals for commercial clients. The consumer site is reduced to a link at the bottom of the Contact tab and leads to a page that allows consumers to make online payments.

How many complaints are there against Immediate Credit Recovery Inc – ICR?

The BBB has closed 36 complaints against Immediate Credit Recovery in the past three years, with 19 closed in the past twelve months. Most of the complaints allege problems with billing and collection; other complaints focus on problems with customer service. There are also 2 negative customer reviews.Since June 2015, the Consumer Financial Protection Bureau (CFPB) has logged 26 complaints against ICR alleging violations that include illegal disclosure of information, failure to verify debts,improper communication tactics, and making threats. Justia lists at least 5 cases of civil litigation naming ICR as a defendant.

Contact Information

Immediate Credit Recovery, Inc.
3330 Chastain Meadows Pkwy NW, Ste. 100
Kennesaw, GA 30144-5881
Telephone: (866) 401-7188

Can Immediate Credit Recovery 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 ICR 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!

Click 844-685-9200 NOW to call us.

Or go ahead and fill out our Contact Form. Our services are absolutely FREE to you.

Can you help me file a No Fee Lawsuit against Immediate Credit Recovery Inc – ICE?

Absolutely. Here are some Sample Cases against Immediate Credit Recovery

In November 2014, in United States District Court for the Middle District of Florida, Fort Meyers Division, a judge issued an Order in the matter of a complaint alleging ICR had violated provisions of the FDCPA that prohibit the use of false or misleading information as well as the Electronic Funds Transfer Act (EFTA) for failing to obtain written authorization prior to withdrawing payments. The plaintiff prevailed in her argument that because ICR sent several collection letters to her stating repayment terms that contradicted the oral agreement she had already established, and which was already being implemented, they violated the FDCPA’s provision against “false, deceptive, or misleading representation or means in connection with the collection of any debt.” The plaintiff also successfully argued that ICR’s failure to establish recurring authorization of electronic funds transfer from her bank account violated the EFTA. A third charge attempted to establish ICR’s liability for violating the FDCPA’s provisions against “unfair or unconscionable means to collect or attempt to collect any debt,” but failed because she could not establish that oral agreements to withdraw funds legally constituted a “postdated payment instrument.”

Immediate Credit Recovery ICR Calling You?

Understanding your Debt Collection Rights

The Federal Trade Commission (FTC) and the CFPB enforce laws prohibiting unethical business practices such as the Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). The FDCPA prohibits activities such as failing to provide verification of a debt, or using 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 why it is important for consumers to understand their rights before attempting to take action against collection agencies who may have violated these laws.

Private individuals may seek monetary damages in court for alleged violations. For instance, the FDCPA allows consumers to recover damages of up to $1,000, plus attorney fees and court costs. If you believe your rights have been violated by a collection agency, seek legal assistance to ensure you find relief.

Want to Stop Immediate Credit Recovery Debt Collection Harassment Now?

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 recieving calls at work from a debt collection agency
  • Debt collectors are calling your friends, neighbors, or coworkers
  • Collectors are threatening you with violence, a 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

“I would recommend your firm to anyone. You got the debt collectors off my back, and I can finally see the light at the end of the tunnel. Throughout the whole process your staff were professional and courteous. I was blown away by their efficiency as well. Thank you guys so much!”

“I just wanted to take a moment to say thank you! Being in debt is hard enough without being harassed by collection agencies, but thanks to you I no longer have to be a victim. I did not know what to expect when I emailed your company, but from the beginning you guys were on the ball.”

“I would like to thank you and your staff for all the help you’ve provided to me. Honestly, you have a wonderful staff that has dealt professionally and been very empathetic at a time in my life when I hit a speed bump.”

Can You Help Me Delete Immediate Credit Recovery – ICR from My Credit Report?

Chances are good that we can help.  Call us today and we’ll explain.

Sound Off!

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.

  • Angela J.

    I recognize the verbatim
    In most if the calls.
    My concern is now that they aren’t applying the payment that I’m making towards my debt.
    They are still calling me and asking me to verify things from nowhere. I’ve been paying on my agreement for several months.

  • Amanda

    I got a call from this company stating I owed a company $1600, and if I didn’t give them my card info to start payments today I would have a lawsuit filed against me and they would be coming to my job to have me sign papers. I don’t even know of the company they say I have a debt from, but that I’ll be charged with breech of contract and fraud … Over non payment. The number they called from shows restricted and they leave several voicemails over the span of a day threatening lawsuits in my county.

  • Gerald L. Buterbaugh

    I have already paid$5 which they told me I had to pay for 10 consecutive months and then I will be turned over to a new loan carrier. They sent me numerous letters stating an unexpected of debt for my daughter’s student loan.

  • brittany necaise

    This company has sent me a letter stating i would be having my wages garnished if i didnt contact them within 7 days which i did. I was then told that i needed specific information about all my expenses. I had to call back the next day when i was finally able to get all the information together. He takes down all of the information tells my about a payment plan i quaily for if i send all the information to them with in a certain time frame and attatch all documents. I was then told that they could make me a settlement offer of 40,000 dollars and had the nerve to ask me would i like to take care of this today. I mean i just told you that my account stays in the negative just so can get by and you are asking me to do what. He says well i have to offer it. I am worried that this will never end. I am worried that even after i send all this information and pay like i am supposed to they wont keep up there end of the deal and take my loans of default. how can i be sure they follow there own laws and rules.

  • Tiphanie Jenel Gadson

    Inability to resolve debt with this agency and set up appropriate arrangements due to no returned calls

  • Manuel luaces

    I just got a call from this company, at first they did not identify themselves, and tried to get me to say that i owed 15,000 in student loans , the person on the phone first told me , that they are contractors of the federal government to collect debts, I said ok, and what debt would that be, they said you have a student loan from 1997 , And asked me why and if i refuse to the federal government, I said well have the feds call me first , and i will answer that , So he said the debt is due today are you going to pay it, I said well unless money falls from the sky right now, then i do not have the funds, Theysaid of we can give you options to pay it, but first we need your financial information, I was like ok what are the options, that you mentioned, He said first we need your financial information, I said no, i don;t give financial information over the phone, send me to your website, offer me the options first he refused. Could be a scam posing as this recovery company, Who knows, but don;t give these people any information about you, or agree to give any financial info or details over the phone to anyone ever. What they don;t know is that I studied to be a consumer lawyer.

  • Shannan

    They called my home and work number threatening legal action. I called them and told them my dad works for the attorney general’s office here in my state. Not sure if that will stop them but these leaches need to be stopped

  • Gregory Hensley

    They called and left a threatening message for the last user of my call phone number. They threatened all sorts of legal action against my spousecand I and we owe them nothing. When I called back to find out the company’s information they refused to provide it.

Leave a Reply or Comment

Write a comment below to share online. Or, instead you can to our legal team.
Email is required to block spam, but will not be published.

Briefly describe the problem Briefly describe the problem

What’s your name? What’s your name?

What’s your phone number? What’s your phone number?

Get Your No-Obligation
Case Evaluation

Send a secure message to our legal team.

What’s your name? What’s your name?
What’s your email address? What’s your email address?
What’s your phone number? What’s your phone number?
Briefly describe the problem Briefly describe the problem
Your information is kept 100% confidential. We do not spam or sell your information.