Interstate compliance calling me to pay the loan

Joyce

ICWS is a collection agency and they are required to follow the federal laws laid down in the fdcpa before attempting any collection activities.

Have you got the details of your debt accounts in writing from them? It is necessary for them to show you the papers that state that your creditors have hired them to collect the debt from you. Otherwise, it might happen that some other agency has the genuine papers about this same debt will contact you and force to pay the amount. By that time, you will realize that your money to this agency totally went into waste.

It will be much easier for you to contact the original creditors and make payment arrangements with them. Dealing with collection agencies is not a comfortable experience as said by many others. Your lenders will accept your payment plan if you show your willingness to pay the debt.

Know your consumer rights before any agency tries to intimidate you. You have legal protection under the federal laws and every company is expected to follow the proper laws of debt collection.