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Interstate Credit and Collection Inc


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Fast Fact: Pursuant to the Fair Debt Collection Practices Act, it is unlawful for a collection agency to inform any third party that you owe a debt. This includes family, friends, and/or co-workers.

Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.

    If any of these things occur, your best option is to consult with a consumer protection attorney.


    1. Paula L. on March 18, 2015 at 9:33 pm

      I have been receiving calls from Interstate Credit and Collection Inc concerning a debt incurred by someone who doesnt even live with me. I have 4 times told this to Interstate Credit and Collection Inc but the calls continue. They are looking for the stepchild of my ex-husband. My ex-husband has been divorced from the debtor’s mother too. I have not seen debtor since he was in elementary school and he is now nearing 20 years old.

    2. Ricky R. on May 2, 2015 at 10:40 pm

      When I first started repairing my credit, I figured I’d pay everything off as quickly as I can. One payment I made was to Interstate Credit & Collection. At that time, the only credit report showing an outstanding debt owed to Interstate Credit & Collection was TransUnion. I did not verify the debt. I made a $100 payment to Interstate Credit & Collection and I figured that was that. As I started to learn more about how this game works, I realized that I made a mistake by paying the debt without verification from Interstate Credit & Collection. Recently, I checked my Experian report and, to my surprise, Interstate Credit & Collection is on there, listed as paid/closed but still there. I know it was not on the Experian report originally because I have a printout of that report.

    3. Alberto N. on August 26, 2015 at 9:44 pm

      Interstate Credit and Collection Inc is calling me trying to collect on a hospital bill. Interstate Credit and Collection Inc is on my credit report too.

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