Neglecting to pay a bill or falling behind on payments due to an emergency can activate a collections account in your name. When this happens, the debt passes on to a debt collection agency that proceeds to contact you about repaying the amount. Housing debts are a common source of financial trouble as back rent and other accommodation bills can range from a few hundred dollars to well into the thousands.
When the debt collector becomes overzealous with recovering the debt, they can enter territory that federal law considers illegal. If a collection agency like IQ Data International contacts you, getting in touch with the consumer protection attorneys at 844 See Mike is the most effective way to curb abusive behavior by the debt collector.
What is IQ Data International Inc?
IQ Data International is a debt collection agency. The company offers a payment portal on its homepage where consumers can make payments via a bank account or credit card.
The firm claims to provide consumers with easy payment options while safeguarding their information. IQ Data International focuses on the multi-family housing industry and uses its technology, human resources management, and training to offer its clients the solutions they seek.
Are there Complaints Against IQ Data International?
IQ Data International has a profile on the Better Business Bureau’s website. The collections agency is not BBB accredited, and they have a 1.01 out of 5-star rating resulting from over 160 customer reviews. BBB lists IQ Data International’s address as 21222 30th Dr. SE Ste 120, Bothell, Washington, and states that the debt collector has been in business for 18 years.
Despite IQ Data International saying they approach consumers “in a fair, courteous, and understanding manner, several consumer reviews and complaints mention rude and abusive behavior. Rather than address the complaint, the debt collector responds to most allegations with the same message they post under each claim, encouraging consumers to call their agency.
How to Know if IQ Data International is Violating Your Consumer Rights
Many consumers do not realize that debt collectors may be violating their rights because they are unaware of the Fair Debt Collection Practices Act (FDCPA) and what the law provides United States citizens.
Dealing With IQ Data International
Harassing phone calls and aggressive or abusive language can be unnerving. Besides the stress and anxiety, collections accounts on your credit report can damage your credit score, whether or not you pay the debt unless it’s removed. The statute of limitations allows debt collection to persist for several years, making legal advice a necessity depending on your state.
The collection process starts with an initial communication to inform you of the debt and a debt validation letter but can quickly escalate to threats of arrest or wage garnishments. Debt collectors may also make continuous, badgering phone calls or use abusive or threatening language when contacting you.
All these actions are violations of the FDCPA, and consumers have the right to pursue legal action against them. Reach out to a consumer protection lawyer from 844 See Mike to put a stop to unethical methods.
You may be eligible to recover compensation when this behavior occurs and have your legal expenses covered. In addition, you can receive up to $1,000 in damages for each separate violation.
Removing a Collections Account From Your Credit File
If IQ Data International reports a collection account to the credit bureaus, the only way to remove it is to file a dispute for the item. Each of the three major credit reporting agencies provides an online process to dispute a mistake.
You will have to gather as much supporting documentation for your case as possible. Double-check the information on your credit report with your own records. After submitting your dispute, the credit bureau has 30 days to answer.
If you need help with credit repair, get in touch with a knowledgeable lawyer who has experience filing credit report disputes.
844 See Mike Offers Protection From Debt Collections Agencies
Don’t put up with behavior that violates the protections you have under state and federal laws. Take the necessary legal action to find peace of mind from oppressive debt collection agencies.
The debt collection attorneys at 844 See Mike can ensure that IQ Data International is held accountable for violating the Federal Debt Collection Practices Act. Our lawyers can also uphold your Fair Credit Reporting Act protections, guaranteeing that all items the major credit bureaus record in your credit report are accurate.
Call us for a free consultation and stop debt collectors from engaging in egregious practices that can take a toll on your financial and overall wellbeing.
