Thousands of indebted Americans are pursued by debt collectors who swear at them, embarrass them in front of friends and family, and threaten to ruin their credit. Many of these consumers would be surprised to know that laws exist to protect them from this type of predatory behavior.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, is a consumer protection law that prohibits actions like the following when used to collect or attempt to collect a consumer debt:
- Using profane and abusive language
- Calling you repeatedly and leaving messages that do not identify them as debt collectors
- Demanding outrageous "fees" in addition to the original debt
- Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
- Calling you at work after you’ve told them that your employer won’t let you take such calls
- Claiming to be an attorney or a law enforcement official
Company Profile: I.Q. Data International, Inc.
If you are being called by I.Q. Data International, Inc., information about the company is below.
I.Q. Data International, Inc., also known as RentCollect Global, is a collection agency located in Everett, Washington. It was established in 2003, has 51 to 200 employees, and is managed by CEO Ken Stumbo. Files archived at the PACER (Public Access to Court Electronic Records) website indicate that some consumers who felt they were being harassed by I.Q. Data International, Inc. opted to challenge the company in court.
Alleged Violations against I.Q. Data International, Inc.
Pepe Anetipa vs. I.Q. Data International, Inc.*
According to PACER, in or around early 2015 I.Q. Data International, Inc. started trying to collect a consumer debt from Washington resident Pepe Anetipa. He later claimed that collectors from the agency phoned him constantly during the 30-day dispute period, threatening to harm his credit and using aggressive language.
Feeling harassed by I.Q. Data International, Inc., Mr. Anetipa hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Using harassing, oppressive, and abusive means to collect a debt
- Using unfair or unconscionable means to collect a debt
- Harassing him via telephone
The matter was later settlement.
Hire an FDCPA Attorney
The phone numbers for this collection agency are:
If any of these numbers appear on your caller ID, it means that you are being called by I.Q. Data International, Inc.. If they threaten to ruin your credit if you don’t pay what they are demanding, hire a consumer attorney. If you file a claim against I.Q. Data International, Inc. and win your case, you could potentially receive $1,000 per violation as well as attorney's fees, court costs, and any actual damages. Even if you actually owe money, you have rights that debt collectors ignore at their own risk.
*Case taken from PACER (www.pacer.gov). File number is Case 2:15-cv-01706-MJP from the United States District Court for the Western District of Washington at Seattle.
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 I.Q. Data International, Inc., or any other third-party collection agency, you may not be entitled to any compensation.