Are you looking for some other loan company if not ICS? You can visit your local financial institutions or your bank and see what they have to offer you. You need to have a good credit score to bag the best deals. And credit scores improve if you have all the accounts paid off in your file. So, if you are looking to pay off the past debts and are having problems in managing the finance, talk to a debt counselor. He can offer you some payment options and negotiate with the companies.