What Is the Phone Number for IQ Data?

Edited by Hannah Locklear

I.Q. Data International, Inc., also known as Assurant Recovery Solutions, is a debt collection agency that is located out of Washington state. If you have seen them listed on your credit report then you will know that they have reported this delinquent account to the credit bureaus. This is common if you forget to pay a bill.

You may have seen IQ Data International may appear on your credit report as one of many names: IQ Data Collection, IQ Data Int, IQ International, or IQ Data. If this is the case, you should be sure to have their phone number in order to contact them and possibly negotiate a settlement. The main contact phone number for IQ Data is (888) 248-2509.

Respond to a debt collection lawsuit in 15 minutes with SoloSuit.

How to remove IQ Data International from your credit report

IQ Data International collections will hurt your credit score. They can even stay on your credit report for seven years even if you pay it off. In some cases, you may even hurt your credit score while paying for your debt. Despite this, you can sometimes have a collection removed from your account earlier than seven years.

Contacting a collection agency is not always the best choice, and making payments starts the statute of limitations over again. This can lead to your credit score getting even worse than it was before. It is best to use a credit repair service to communicate with IQ Data. If this is not possible, then you can try to settle.

What to do if you are sued by IQ Data

It is possible that IQ Data will sue you. If this occurs then you may need to go to court, and if you do not respond, you will have an automatic judgment placed against you. Automatic judgments lead to wage garnishment or asset seizure.

Not all states allow it, but some states do allow wage garnishment. If you live in a state that does not allow wage garnishment, then it is illegal for them to threaten to garnish your wages. It is also illegal for IQ Data to make false claims. This might include threatening foreclosure on your home if they do not have this right.

• Avoid speaking on the phone. Rather than speak to IQ Data on the phone you should attempt to have everything in writing. You can even ask them to stop contacting you and they must listen.
• Record all phone calls. If you do speak with them on the phone then you should record all of your calls. Despite this being legal in 35 states, there are 15 states in which you must give them notice that you plan to record them. Although debt collectors are not supposed to, they often lie. IQ Data is known to threaten consumers and lie to push you to pay the debt.
• Do not lie about your assets. Because it is considered fraud to lie about your assets, do not do it. That is not to say you should give them access to your bank accounts, but do not lie.
• Do not apply for a new credit card. If you are struggling to pay one credit card or creditor then do not open another line of credit. This would be looked upon as fraudulent.
• Do not ignore the debt collectors. Debt collectors can be incredibly annoying, but ignoring them will only make matters worse. You must respond to any debt collection calls. If you do not, then a lawsuit may be placed against you and you will automatically lose if you do not respond to that.
• Learn the statute of limitations in your state. The statute of limitations on debt governs how long you can legally be sued for a debt. At a certain point, the debt becomes too old and is considered “time-barred”. Also known as zombie debt, you will no longer be able to be sued for the debt. This time period is usually around four to six years. It is good to note that you technically still pay it, you just can no longer be sued for it.

Don't ignore a debt collection lawsuit. Respond with SoloSuit.

Known complaints against IQ Data

Most collection agencies have had many complaints against them, and IQ Data is no different. These complaints are filed with the Consumer Financial Protection Bureau (CFPB) as well as the Better Business Bureau (BBB). Most of these complaints are regarding inaccurate reporting, harassment, or failure to verify a debt. Should you be in one of these situations you can file a complaint yourself.

You need to know that you have rights under the Fair Credit Reporting Act (FCRA) as well as the Fair Debt Collection Practices Act (FDCPA). These regulations govern what a debt collector can and cannot do to consumers. The FDCPA prevents debt collectors from using abusive or deceptive tactics when trying to collect a debt. It does not matter whether or not the debt is yours, you are still awarded these rights.

For example, it would be a violation of the FDCPA for a debt collector to report inaccurate or incomplete information on your credit report. It is also your legal right for a debt collector to verify your debt. This involves proof within 30 days of the first notice, that the debt belongs to you and you owe it based on fact.

Debt collectors may not harass you or threaten you, they may also not call you too many times in a row, swear at you, or call you at odd hours of the day. If they do not announce who they are or they tell a third party this information they may violate the FDCPA as well. Should any of these violations occur, you must report them to the FDCPA. You might have a countersuit and be able to sue them for damages.

What is SoloSuit?

SoloSuit makes it easy to respond to a debt collection lawsuit.

How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit: A Student Solution To Give Utah Debtors A Fighting Chance

How to answer a summons for debt collection in your state

Here's a list of guides for other states.

All 50 states.

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri

Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah; File a Motion to Satisfy Judgment Vermont Virginia Washington West Virginia Wisconsin Wyoming

Guides on how to beat every debt collector

Being sued by a different debt collector? We're making guides on how to beat each one.

• Absolute Resolutions Investments LLC
• Accredited Collection Services
• Alliance One
• Amcol Clmbia
• American Recovery Service
• Asset Acceptance LLC
• Asset Recovery Solutions
• Associated Credit Services
• Autovest LLC
• Cach LLC
• Cavalry SPV I LLC
• Cerastes LLC
• Colinfobur
• Covington Credit
• Crown Asset Management
• CTC Debt Collector
• Cypress Financial Recoveries
• Delanor Kemper & Associates
• Eagle Loan of Ohio
• Educap
• Estate Information Services
• FIA Card Services
• Forster & Garbus
• Freshview Solutions
• Fulton Friedman & Gullace LLP
• Harvest Credit Management
• Howard Lee Schiff
• Hudson & Keyse LLC
• Integras Capital Recovery LLC
• Javitch Block
• Jefferson Capital Systems LLC
• LVNV Funding
• Mannbracken
• Mariner Finance
• Medicredit
• Michael J Adams PC
• Michael J Scott
• Midland Funding LLC
• Mullooly, Jeffrey, Rooney & Flynn
• Mountain Land Collections
• MRS Associates
• National Collegiate Trust
• Nationstar Foreclosure
• Northstar Capital Acquisition
• NCEP LLC
• NRC Collection Agency
• OneMain Financial
• Palisades Collection LLC
• Pallida LLC
• Paragon Revenue Group
• Pinnacle Collections Agency
• PMAB LLC
• Portfolio Recovery Associates
• Provest Law
• PYOD LLC
• Reunion Student Loan Finance Corporation
• Revenue Group
• Regents and Associates
• RSIEH
• Salander Enterprises LLC
• Second Round Sub LLC
• Security Credit Services
• Sherman Financial Group
• Suttell and Hammer
• T-Mobile
• Transworld Systems
• Tulsa Teachers Credit Union
• UCB Collection
• Velo Law Office
• Velocity Investments
• Waypoint Resource Group
• Weinberg and Associates
• Wolpoff & Abramson

Win against credit card companies

Is your credit card company suing you? Learn how you can beat each one.

• Bank of America
• Capital One
• Chase
• Credit One Bank
• PayPal Synchrony Card
• SYNCB/PPEXTR
• Synchrony Bank
• Target National Bank
• Wells Fargo

Going to Court for Credit Card Debt — Key Tips

How to Negotiate Credit Card Debts

How to Settle a Credit Card Debt Lawsuit — Ultimate Guide

Get answers to these FAQs

Need more info on statutes of limitations? Read our 50-state guide.

Why do debt collectors block their phone numbers?

How long do debt collectors take to respond to debt validation letters?

What are the biggest debt collector companies in the US?

Is Zombie Debt Still a Problem in 2019?

SoloSuit FAQ

If a car is repossessed, do I still owe the debt?

Is Portfolio Recovery Associates Legit?

Is There a Judgment Against Me Without my Knowledge?

Should I File Bankruptcy Before or After a Judgment?

What is a default judgment?— What do I do?

Summoned to Court for Medical Bills — What Do I Do?

What Happens If Someone Sues You and You Have No Money?

What Happens If You Never Answer Debt Collectors?

What Happens When a Debt Is Sold to a Collection Agency

What is a Stipulated Judgment?

What is the Deadline for a Defendant's Answer to Avoid a Default Judgment?

Can a Judgement Creditor Take my Car?

Can I Settle a Debt After Being Served?

Can I Stop Wage Garnishment?

Can You Appeal a Default Judgement?

Do I Need a Debt Collection Defense Attorney?

Do I Need a Payday Loans Lawyer?

Do student loans go away after 7 years? — Student Loan Debt Guide

Am I Responsible for My Spouse's Medical Debt?

Should I Marry Someone With Debt?

Can a Debt Collector Leave a Voicemail?

How Does Debt Assignment Work?

What Happens If a Defendant Does Not Pay a Judgment?

How Does Debt Assignment Work?

Can You Serve Someone with a Collections Lawsuit at Their Work?

What Is a Warrant in Debt?

How Many Times Can a Judgment be Renewed in Oklahoma?

Can an Eviction Be Reversed?

Does Debt Consolidation Have Risks?

What Happens If You Avoid Getting Served Court Papers?

Does Student Debt Die With You?

Can Debt Collectors Call You at Work in Texas?

How Much Do You Have to Be in Debt to File for Chapter 7?

What Is the Statute of Limitations on Debt in Washington?

How Long Does a Judgment Last?

Can Private Disability Payments Be Garnished?

Can Debt Collectors Call From Local Numbers?

Does the Fair Credit Reporting Act Work in Florida?

The Truth: Should You Never Pay a Debt Collection Agency?

Should You Communicate with a Debt Collector in Writing or by Telephone?

Do I Need a Debt Negotiator?

What Happens After a Motion for Default Is Filed?

Can a Process Server Leave a Summons Taped to My Door?

Learn More With These Additional Resources:

Need help managing your finances? Check out these resources.

How to Make a Debt Validation Letter - The Ultimate Guide

How to Make a Motion to Compel Arbitration Without an Attorney

How to Stop Wage Garnishment — Everything You Need to Know

How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)

Defending Yourself in Court Against a Debt Collector

Tips on you can to file an FDCPA lawsuit against a debt collection agency

Advice on how to answer a summons for debt collection.

Effective strategies for how to get back on track after a debt lawsuit

New Hampshire Statute of Limitations on Debt

Sample Cease and Desist Letter Against Debt Collectors

The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah

West Virginia Statute of Limitations on Debt

What debt collectors cannot do — FDCPA explained

Defending Yourself in Court Against Debt Collector

How to Liquidate Debt

Arkansas Statute of Limitations on Debt

You're Drowning in Debt — Here's How to Swim

Help! I'm Being Sued by My Debt Collector

How to Make a Motion to Vacate Judgment

How to Answer Summons for Debt Collection in Vermont

North Dakota Statute of Limitations on Debt

ClearPoint Debt Management Review

Indiana Statute of Limitations on Debt

Oregon Eviction Laws - What They Say

CuraDebt Debt Settlement Review

How to Write a Re-Aging Debt Letter

How to Appear in Court by Phone

How to Use the Doctrine of Unclean Hands

Debt Consolidation in Eugene, Oregon

Summoned to Court for Medical Bills? What to Do Next

How to Make a Debt Settlement Agreement

Received a 3-Day Eviction Notice? Here's What to Do

How to Answer a Lawsuit for Debt Collection

Tips for Leaving the Country With Unpaid Credit Card Debt

Kansas Statute of Limitations on Debt Collection

How to File in Small Claims Court in Iowa

How to File a Civil Answer in Kings County Supreme Court

Roseland Associates Debt Consolidation Review

How to Stop a Garnishment

Debt Eraser Review

Do Debt Collectors Ever Give Up?

Can They Garnish Your Wages for Credit Card Debt?

How Often Do Credit Card Companies Sue for Non-Payment?

How Long Does a Judgement Last?

​​How Long Before a Creditor Can Garnish Wages?

How to Beat a Bill Collector in Court