The federal law, the Fair Debt Collection Practices Act (FDCPA) was enacted to prevent overbearing behavior by debt collection agencies like IQ Data International Inc. Primarily, the FDCPA makes it illegal for debt collectors to continually harass a debtor to repay debts.
Constant phone calls or calling at all hours of the night can be typical behavior by a rogue debt collector. You have the right to sue a debt collector if you have enough evidence that it has violated the FDCPA or an equivalent state fair debt collection law.
The damages you can claim are limited, but may help to curtail unwanted attention. You can also report the debt collector to federal or state agencies who will investigate illegal behavior on your behalf.
How to Report a FDCPA Violation by IQ Data International Inc
If you don’t want to go down the road of suing the collector yourself, but still believe that the collector is harassing you unnecessarily to the point where it is violating the FDCPA, you have two main choices.
Firstly, you can report the debt collector’s behavior to the Consumer Financial Protection Board (CFPB). This is a federal agency that is tasked with regulating unwanted financial activity.
The CFPB will either investigate the actions of the collector themselves or pass the matter over to another agency, the Federal Trade Commission (FTC), depending o the severity of the activity. Both agencies have the power to apply sanctions against the debt collector if the FDCPA has been violated.
Secondly, you can make a complaint to your own state Attorney General’s Office. The Attorney General can investigate any debt collector that is breaking state laws on fair debt collection and may impose a fine or other penalties if illegal activity is proven.
![Where to Report FDCPA Violation by IQ Data International Inc*]()
How the Better Business Bureau Can Help in Negotiations Over Disputes
The Better Business Bureau (BBB) can be approached if there has been a breakdown in communication between you and the debt collector. The BBB does not have any legal authority to impose fines or penalties, but it can arrange a mediation session in which your views can be aired. If necessary, the BBB can also alert other consumers and potential debtors to the activity of the debt collector that has been bothering you.
Filing a Lawsuit Against IQ Data International Inc
You have the right to sue the debt collector through either a federal or state civil court. You must have evidence that the debt collector has been breaking a federal law like the FDCPA or a state law and that its actions have been affecting you unfairly.
Damages are limited to $1,000 maximum plus legal fees. The statute of limitations for this sort of claim is one year from the date of the alleged violation.
How a Lawyer Can Help With a Claim for a FDCPA Violation
With the assistance of a consumer law attorney, the chances of a successful claim increase. A lawyer can help you be prepared for proving how a debt collector violated the FDCPA. Complete the Free Case Evaluation today to get the details of your claim looked over by a creditor harassment lawyer in your area today!
*Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against IQ Data International Inc., or any other third-party collection agency, you may not be entitled to any compensation.
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