IC System is collecting auto loan debt in Massachusetts where the statute of limitations is 6 years. Average auto loan debt: $23,792. Garnishment limit: 15% of gross wages.
6 years
Statute of Limitations
$23,792
Average Auto Loan Debt
15% of gross wages
Garnishment Limit
Known IC System Violations
Reporting unverified debts to credit bureaus
Continuing collection after dispute without validation
Using misleading language about legal consequences
Dispute Strategies
Challenge deficiency balance after repossession
Verify the sale was commercially reasonable (UCC requirement)
Dispute if proper repossession notice wasn't given
Check for state-specific redemption rights
Validate any collection attempts under FDCPA
Massachusetts Protections
Chapter 93A Consumer Protection. File complaints with: AG Consumer Protection.
• Chapter 93A — treble damages for willful violations