Jersey City, NJ residents: know your rights against IC System. New Jersey residents: check your state's statute of limitations and wage garnishment protections before paying any debt collector.
Common IC System Violations
Reporting unverified debts to credit bureaus
Continuing collection after dispute without validation
Using misleading language about legal consequences
Dispute Tips for Jersey City Residents
IC System handles medical and utility debts — request itemized bills
Medical debts under $500 are excluded from credit reports as of 2023
Demand they verify the debt with the original creditor, not their own records