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DebtShield

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The flagship debt recovery platform.

California
CAIC System

Dispute IC System in California

Your California rights against IC System: SOL is 4 years for credit card debt. Garnishment capped at 25% or amount exceeding 40x min wage.

4 years

California credit card SOL

Rosenthal Fair Debt Collection Practices Act

State collection law

Common IC System Violations

Reporting unverified debts to credit bureaus
Continuing collection after dispute without validation
Using misleading language about legal consequences

California Dispute Tips vs IC System

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

California Protections

Rosenthal Act applies to ORIGINAL creditors too (not just collectors)
Strong wage exemptions — up to 75%
Community property state
2-year SOL for oral contracts

California Debt Laws

All protections in California

IC System Overview

All violations & tips

Dispute IC System in California — $9.99/mo