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The flagship debt recovery platform.

Texas
TXIC System

Dispute IC System in Texas

Your Texas rights against IC System: SOL is 4 years for credit card debt. Garnishment capped at No wage garnishment for most debts.

4 years

Texas credit card SOL

Texas Debt Collection Act + DTPA

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

Texas 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

Texas Protections

NO wage garnishment for most consumer debts
Unlimited homestead exemption
DTPA treble damages for knowing violations
Very debtor-friendly state

Texas Debt Laws

All protections in Texas

IC System Overview

All violations & tips

Dispute IC System in Texas — $9.99/mo