NYIC System

Dispute IC System in New York

Your New York rights against IC System: SOL is 6 years for credit card debt. Garnishment capped at 10% of gross income or 25% of disposable.

6 years

New York credit card SOL

NY General Business Law § 601 + NYC Consumer Protection Law

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

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

90% of wages exempt from garnishment

Strong city + state consumer protection

Debt collectors must be licensed

New York Debt Laws

All protections in New York

IC System Overview

All violations & tips