What Is the Phone Number for IQ Data International?

I.Q. Data International, Inc., also known as Assurant Recovery Solutions, is a debt collection agency based in Washington state. If they’ve contacted you or appeared on your credit report, you need their contact information.

The main phone number for IQ Data is (888) 248-2509.

IQ Data International may appear on your credit report under several variations: IQ Data Collection, IQ Data Int, IQ International, or simply IQ Data. Having their contact information helps you respond appropriately and protect your rights.

How IQ Data Affects Your Credit Report

IQ Data International collections will damage your credit score significantly. These collections can remain on your credit report for seven years, even after you pay them off.

In some cases, making payments can actually restart the statute of limitations. You could end up extending the time creditors can legally sue you.

Contacting a collection agency directly isn’t always your best option. Before you call IQ Data, consider working with professionals who understand debt collection law.

Our partner Solo helps thousands of people respond to debt collectors properly and protect their legal rights.

What to Do If IQ Data Sues You

IQ Data has the right to file a lawsuit against you. If they do, you’ll receive a court summons that requires a response.

Ignoring a lawsuit leads to automatic judgment against you. Courts can then authorize wage garnishment or asset seizure to collect the debt.

Not all states permit wage garnishment, but many do. If IQ Data threatens garnishment in a state that prohibits it, they’re violating federal law.

Critical Steps When Dealing With IQ Data

• Keep all communication in writing. Avoid phone conversations whenever possible. Written records protect you if disputes arise later.
• Record phone calls when necessary. You can legally record calls in 35 states without notifying them. The other 15 states require two-party consent, so announce you’re recording.
• Never lie about your financial situation. Misrepresenting your assets or income constitutes fraud. You can refuse to provide bank account access without lying.
• Don’t open new credit lines. Opening new credit cards while unable to pay existing debts can be viewed as fraudulent intent.
• Always respond to lawsuits. Ignoring a debt collection lawsuit guarantees you’ll lose. You must file an Answer within the deadline specified in your summons.
• Know your state’s statute of limitations. Most states allow creditors to sue for four to six years. After that period, the debt becomes time-barred or “zombie debt.”

You still technically owe time-barred debt, but creditors can’t sue you for it. Understanding your state’s rules gives you leverage in negotiations.

Common Complaints Against IQ Data

IQ Data has numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB).

Common complaints include inaccurate credit reporting, harassment, and failure to verify debts. You can file your own complaint if IQ Data violates your rights.

Your Legal Rights Under Federal Law

The Fair Debt Collection Practices Act (FDCPA) protects you from abusive collection tactics. The Fair Credit Reporting Act (FCRA) ensures accurate credit reporting.

These laws apply whether the debt is actually yours or not. Your rights remain protected regardless of the debt’s validity.

FDCPA Violations Include:

• Reporting false or incomplete information to credit bureaus
• Refusing to verify debts within 30 days of your request
• Calling you repeatedly or at unreasonable hours
• Using profane or threatening language
• Failing to identify themselves as debt collectors
• Discussing your debt with third parties like family or employers

Document every violation carefully. You may have grounds for a counterclaim and could sue IQ Data for damages.

How to Remove IQ Data From Your Credit

You can challenge inaccurate collections through debt validation. Send IQ Data a debt validation letter within 30 days of their first contact.

They must provide proof you owe the debt before continuing collection efforts. If they can’t verify the debt, they must remove it from your credit report.

Negotiating a pay-for-delete agreement is another option. IQ Data removes the collection in exchange for payment, though not all collectors agree to this.

Working with our partner Solo gives you expert guidance on the best strategy for your situation.

What to Do Right Now

If IQ Data has contacted you or sued you, time is critical. Court deadlines don’t wait for anyone.

You typically have 14 to 30 days to file an Answer to a lawsuit, depending on your state. Missing this deadline results in automatic judgment.

Don’t let IQ Data intimidate you into making payments you can’t afford. You have rights and options for dealing with this debt collector.