Sued by IC System in Kansas? Here's What to Do Next
Kansas RESPONSE DEADLINE
21 Days
from the date you were served
STATUTE OF LIMITATIONS
5 Years
for typical IC System debts in KS
WAGE GARNISHMENT
Allowed — up to 25%
What Kansas consumers say about IC System
In the last 24 months, 25 Kansas residents filed CFPB complaints naming IC System . 76% of these complaints involve debt collection; 24% involve credit reporting or other personal consumer reports.
Most common complaint categories:
- 9 Attempts to collect debt not owed
- 4 Written notification about debt
- 3 Improper use of your report
Source: CFPB Consumer Complaint Database , 24-month rolling window through May 2026.
About IC System
IC System is one of the oldest and largest debt collection agencies in the United States, founded in 1938. They collect on behalf of healthcare providers, utilities, telecommunications companies, and financial institutions. IC System has a significant number of CFPB complaints and has been involved in FDCPA litigation for practices including reporting disputed debts and pursuing debts consumers do not owe.
Type: Collection Agency. Common debt types: medical, utility, telecom, credit card.
CFPB Enforcement History
I.C. System, Inc. is a third-party debt collector based in St. Paul, Minnesota that has operated since 1938 and is one of the highest-volume collectors in the country. We could not identify a public CFPB consent order or formal CFPB enforcement action against I.C. System, but the company has been named in numerous private FDCPA lawsuits and the CFPB's complaint database contains thousands of consumer complaints, primarily about attempts to collect debt the consumer says is not owed.
Kansas-Specific Defenses Against IC System
Statute of Limitations Defense
In Kansas, the statute of limitations for credit card debt is 5 years. If your last payment was more than 5 years ago, the debt is time-barred. Verify when your last payment or account activity occurred and raise the SOL defense in your Answer if applicable.
Challenge the Amount
Demand a complete accounting from the original creditor's last statement through the current claimed balance. Any unauthorized fees, post-charge-off interest, or collection costs not in the original agreement should be disputed line by line.
Kansas Wage Garnishment Exemptions
Federal limits apply. Head of household protections available.
Kansas Consumer Protection Act
In addition to the federal FDCPA, Kansas's Kansas Consumer Protection Act may provide additional protections and remedies against IC System's collection practices.
Kansas Court System
Small claims limit $4,000. District court handles larger civil cases. Filing fees in Kansas typically range $45-$200.
Common FDCPA Violations by IC System
- Collecting on medical debts that should have been covered by insurance
- Reporting medical collection accounts to credit bureaus before the required waiting period
- Failing to properly validate debts when disputed in writing
- Continuing collection on debts that were paid or settled
- Misidentifying the original creditor in collection communications
Statute of Limitations in Kansas
| Debt Type | SOL (Years) |
|---|---|
| Credit Card | 5 |
| Medical | 5 |
| Auto | 5 |
| Personal Loan | 5 |
| Written Contract | 5 |
| Oral Contract | 3 |
Frequently Asked Questions
Who is IC System?
IC System is one of the largest third-party debt collection agencies in the U.S. They have been in business since 1938 and collect debts for healthcare providers, utilities, and other companies.
IC System is collecting a medical debt — is this right?
Request validation and check with your insurance company. Many medical debts collected by IC System should have been covered by insurance or were billed incorrectly by the provider.
Can IC System affect my credit score?
Yes, IC System reports to all three major credit bureaus. However, medical debts have special protections — paid medical debts must be removed, and new medical debts cannot be reported for one year.
Should I pay IC System?
Do not pay without verifying the debt first. Request written validation, check if the amount is correct, and determine if the statute of limitations has expired before making any payment.
How long do I have to respond in Kansas?
21 days from service.
What is the SOL in Kansas?
5 years for written contracts. 3 years for oral contracts.
Can wages be garnished in Kansas?
Yes. Federal limits apply.
What court handles debt lawsuits?
Small claims up to $4,000. District court for larger amounts.
What is the statute of limitations on debt collection in Kansas?
Kansas's statute of limitations on a written contract is five years under K.S.A. § 60-511, and three years on an oral contract under K.S.A. § 60-512. Kansas courts apply the five-year written-contract limit to credit-card debt when the cardholder agreement is in writing. The clock starts on the date of the last payment or the date the account was charged off. If you are sued more than five years after last activity, statute of limitations is an affirmative defense you must plead in your answer under K.S.A. § 60-208(c)(1) or you waive it. Filing a time-barred collection lawsuit can support a counterclaim under the federal FDCPA at 15 U.S.C. § 1692e(2) for misrepresenting the legal status of a debt and under the Kansas Consumer Protection Act at K.S.A. § 50-626. Partial payment or written acknowledgment can restart the clock under K.S.A. § 60-520.
How much can be garnished from my wages in Kansas?
Kansas wage-garnishment law at K.S.A. § 60-2310 follows the federal Consumer Credit Protection Act limit at 15 U.S.C. § 1673. Creditors may take the lesser of 25 percent of weekly disposable earnings or the amount by which weekly disposable earnings exceed 30 times the federal minimum wage. Disposable earnings means gross pay minus required deductions like federal and state income tax, FICA, and Medicare. Child support, alimony, and federal student-loan garnishments follow different percentages. Social Security, SSI, VA benefits, unemployment, workers compensation, and most retirement income are exempt under federal law and K.S.A. § 60-2308. After service of the order of garnishment, you can request a hearing under K.S.A. § 60-2310(e) to assert exemptions or correct calculation errors.
Does Kansas Consumer Protection Act apply to abusive debt collectors?
Yes. The Kansas Consumer Protection Act at K.S.A. § 50-626 prohibits deceptive acts and practices in consumer transactions, and Kansas appellate courts have applied it to debt-collection conduct that misrepresents amounts owed, threatens action the collector cannot take, or harasses the consumer. K.S.A. § 50-627 separately prohibits unconscionable acts. A consumer can recover actual damages or a civil penalty of up to $10,000 per violation, whichever is greater, plus attorney fees under K.S.A. § 50-634(b). The Act covers original creditors and third-party debt collectors, which is broader than the federal FDCPA. Combine a Kansas CPA claim with a federal FDCPA claim under 15 U.S.C. § 1692k for maximum leverage. The Attorney General Consumer Protection Division at 1-800-432-2310 also investigates complaints.
What property is exempt from collection in Kansas?
Kansas has generous personal-property exemptions under K.S.A. § 60-2304. A debtor can keep up to $20,000 in motor-vehicle equity, or up to $40,000 if the vehicle is equipped for use by a disabled person. Tools of the trade, including books and equipment used in a profession, are exempt up to $7,500 under K.S.A. § 60-2304(e). Household furnishings, food, and clothing are exempt without dollar limit if reasonably necessary for the family. The Kansas homestead exemption at K.S.A. § 60-2301 protects unlimited home equity on the family residence, although it is capped at $189,050 in bankruptcy under federal BAPCPA. Social Security, SSI, VA benefits, unemployment, workers compensation, and retirement accounts are exempt under federal law and K.S.A. § 60-2308. Exemptions must be claimed in writing within 14 days of receiving the writ of execution.
How do I respond to a Kansas debt-collection limited-actions case?
If you are sued in limited actions under K.S.A. § 61-2802 for a claim up to $20,000, you must file a written answer with the clerk within 21 days of service under K.S.A. § 61-2901, or by the appearance date listed on the summons if earlier. In your answer, deny the allegations you do not know to be true, demand strict proof of the chain of assignment from the original creditor, and assert affirmative defenses including statute of limitations under K.S.A. § 60-511, lack of standing of the assignee, improper venue under K.S.A. § 60-603, and any Kansas Consumer Protection Act or FDCPA counterclaim. The Kansas Judicial Branch offers fillable forms and limited-actions information for self-represented parties. Default judgment under K.S.A. § 60-255 is entered automatically if you do not answer or appear.
Sued by IC System in Another State?
IC System files cases nationwide. Select your state for the response deadline, statute of limitations, and state-specific defenses.
Sued by a Different Collector in Kansas?
The 21-day Kansas response deadline applies no matter who sued you. Pick the creditor on your summons for creditor-specific defenses.
This page summarizes public information from the CFPB Consumer Complaint Database, CFPB enforcement records, and Kansas state law. It is not legal advice. Statutes and court rules change — consult a licensed attorney in Kansas for guidance on your specific case.
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