Shewolf: Pressing phony ''hot check'' claims is a favorite game of IC Systems. They use tactics like the fake payday loan thugs, but unlike those distant criminals, IC can be stopped and sued by individuals.
In hassling you about your daughter, the collector is trying to create false shame, under the legally permitted guise of ''seeking location''. No doubt ''Adam'' is a house alias not actually on the payroll. Here are the steps I would take, assuming you're on friendly terms with your daughter:
- Document all calls and CID carefully and record clean phone audio if possible. Discussion of debt with third parties, even relatives, breaks federal law. Probably the whole claim is bogus, which would also be unlawful.
- Watch for anything else violative, such as a harassing call pattern, abusive reps, foul language, and deceptive practice. Get the story on paper.
- When you have a decent pile of violations documented, send ICS a cease-comm notice via USPS Certified with return card. The FTC and many consumer watchdogs explain how to draft one. Now they can't bother you again unless they feel like paying you a grand from your lawsuit.
- Share your evidence with your daughter so she can file her own suit. If neither of you want to go pro se, I predict a good consumer attorney with sharp claws will run on contingency and collect her fee from the loser.
Reports from 800Notes are quite interesting, fully naming this outfit as Interstate Check Systems and one claiming it's an alias of JEC Law Group and Northtown Capital. JEC and Northtown have earlier this year been named in a rise in very similar complaints here, which tends to support this connection. See also 716-235-1006