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The flagship debt recovery platform.

Florida
FLIC System

Dispute IC System in Florida

Your Florida rights against IC System: SOL is 5 years for credit card debt. Garnishment capped at Head of household exempt.

5 years

Florida credit card SOL

Florida Consumer 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

Florida 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

Florida Protections

Head of household wages FULLY exempt from garnishment
Unlimited homestead exemption
State debt collection act applies to original creditors

Florida Debt Laws

All protections in Florida

IC System Overview

All violations & tips

Dispute IC System in Florida — $9.99/mo