First, I have to say in answer to the previous reviews, that IMC is not in the customer service industry. They are in collections and they dont' have to be nice. I owe money on medical bills, they went to IMC for collection. At first I had the same experience as everyone else - they were rude and wouldn't accept my payment arrangements, even going so far as to say that my accounts were old enough that they were going to go to court on them unless paid in full. I told them that was fine, I guess, because then the judge would set up payment arrangements that I could manage (because they DO take in to account your income/expenses although IMC tried to tell me they wouldn't). They said that the judge would deduct 50% of my paycheck weekly to pay off the balance, etc. This didn't sound right so I did some research on fair debt collection and legalities under the Fair Debt Collection Act. I ended up filing a complaint with the FTC because it is unlawful for them to threaten legal action without the intent to do it, and for creditors to lie to you or scare you into making a payment. So brush up on Fair Debt Collection and then call them to set up a payment plan. Explain to them that you will report any inappropriate conversations to the FTC. Let them know that you will be sending in $X per month. They have 2 choices - they can refuse it or they can apply it to your acct. If they apply it, make sure you are paying that minimum every month. If they refuse it, keep the check and any documentation that shows refusal and send a check every month. Keep this money out of your checking account so that if it ever goes to court you can prove that you tried paying the debt. They will most likely get thrown out of court. After I called the FTC I got a new rep who accepted my $50/mo arrangement, and I have had no phone calls since. I also ask for, and get an updated balance on my account (in writing) once in a while so that I can be sure my payments are being applied. Good luck!
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