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Did I.Q. Data International, Inc. Threaten You?*

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Debt collection agencies comes after consumers hard because the companies have a powerful incentive. It is called money.

Original creditors such as Macy’s and American Express have two options when it comes to compensating third party debt collectors. They can pay a commission for the collection of a consumer debt or instead, sell a consumer debt for a fraction of what was initially owed.

It is the second scenario that gets the blood pumping for bill collectors, as in many cases, debt collection agencies can purchase outstanding credit card and personal loan accounts for less than 50 cents on the dollar.

The incredible profit motive pushes a majority of third party debt collectors to violate one of more provisions of a landmark consumer protection law.

Federal Law Prohibits Overly Aggressive Debt Collection Tactics

In response to mounting consumer frustration, the United States Congress passed the Fair Debt Collection Practices Act (FDCPA). The 1977 consumer protection law outlaws numerous previously legal debt collection practices that include harassing consumers by making repeated phone calls throughout the day.

A third party debt collector like I.Q. Data International, Inc. is not allowed to use deception in an attempt to trick you into paying a debt you do not owe money. Another provision of the FDCPA makes it illegal for bill collectors to threaten consumers in any way.

The FDCPA presents several clear examples of the threats that are illegal under the federal consumer protection law. A bill collector cannot threaten to arrest you or threaten to contact a law enforcement agency regarding your debt.

There are no debtor prisons in the United States, although you will not hear that from a debt collection agency. I.Q. Data International, Inc. is prohibited from threatening to cause you physical harm.

Despite the fact that the days of mob extortion rackets have faded into Hollywood films, some third party debt collectors resort to threats of violence as a debt collection technique of last resort.

Did I.Q. Data International, Inc. Threaten You?*

How to Fight Back against I.Q. Data International

In addition to outlawing dozens of debt collection tactics, the FDCPA also grants consumers the right to seek just compensation for one of more violations of the federal consumer protection law.

If you have enough evidence to move forward with a claim, a licensed consumer protection lawyer who is highly skilled at litigating FDCPA cases will submit the proper documents to move your case forward.

Your FDCPA attorney might opt to recover the money lost because of lost wages. Falling behind on bills can detract from your work performance, which might prompt your employer to reduce your hours.

You can lose wages because of the time spent outside of work dealing with I.Q. Data International, Inc. You also can recover most or all of the money garnished form your paychecks.

Act with a Sense of Urgency

One thing a collection agency does not want you to do is hire an experienced FDCPA lawyer. However, the faster you get the legal ball rolling, the more likely you will receive just compensation for any pain and suffering. Schedule a free initial consultation today with an accomplished FDCPA attorney.

Additional Resources

*Disclaimer: The content of this article serves only to provide information and should not be construed 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 compensation.

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