Debt Collection Agency I.C. System Sends Deceptively Worded Collection Letters, Class Action Says

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I.C. System Debt Collection Class Action Lawsuit Overview: 

• Who: Chaquita Johnson filed a class action lawsuit against debt collection company I.C. System, Inc. 
• Why: Johnson claims ICS sends debt collection letters that are deceptively worded, misleading and unfair.
• Where: The class action lawsuit was filed in Florida federal court.

I.C. System, Inc. sends debt collection letters containing settlement offers that are deceptively worded, misleading and unfair, a new class action lawsuit alleges. 

Plaintiff Chaquita Johnson claims ICS sent her a debt collection letter on behalf of Sprint asking if she would like to settle her account for half of her total balance. 

In its letter, Johnson alleges ICS also says that future debt collections will “cease” if the account is settled for “less than the full original balance.” 

Johnson argues the letter is deceptive since it implies that, in paying half the balance, “the consumer will achieve some form of settlement, when in actuality it is unclear what form of settlement the letter is offering.” 

Further, Johnson claims the letter does not “clarify what will occur with the rest of the balance and whether the rest of the balance would be collected by another collection company in the future.” 

ICS Intentionally Deceitful In Use Of Term ‘Settlement,” Plaintiff Claims

Johnson claims ICS is being intentionally deceitful by using the term settlement throughout the letter when, in actuality, their offer “contains no significant benefits and is unclear to what the benefits of the settlement would actually be.”

By sending the letter with unclear wording, ICS is being “knowing, willful, negligent and/or intentional” and does not follow procedures put in place by Congress to protect consumers, the class action lawsuit alleges. 

“Consumers have a right to receive proper notice from debt collectors, including a right to receive proper notice of the nature of their debts and settlement options,” the lawsuit states.

Johnson claims ICS is in violation of the Fair Debt Collection Practices Act. She is demanding a jury trial and requesting actual and statutory damages for herself and all class Members. 

Johnson wants to represent a Florida class of consumers who have received a deceptively worded debt collection letter from ICS. 

A class action lawsuit was filed last year against Equifax by consumers claiming the credit reporting agency allowed debt collectors to report inaccurate information, which it then released. 

Have you received a deceptively worded debt collection letter from ICS? Let us know in the comments! 

The plaintiff is represented by Justin Zeig of Zeig Law Firm, LLC. 

The I.C. System Debt Collection Class Action Lawsuit is Johnson v. I.C. System, Inc., Case No. 6:21-cv-02125, in the U.S. District Court for the Middle District of Florida.

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