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DebtShield

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The flagship debt recovery platform.

Washington
WAIC System

Dispute IC System in Washington

Your Washington rights against IC System: SOL is 6 years for credit card debt. Garnishment capped at 25% of disposable earnings.

6 years

Washington credit card SOL

Washington Collection Agency 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

Washington 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

Washington Protections

Strong CPA — treble damages + attorney fees
Collectors must be licensed

Washington Debt Laws

All protections in Washington

IC System Overview

All violations & tips

Dispute IC System in Washington — $9.99/mo