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Is Improved Data Services pestering you?
Has Improved Data Services started ringing you up with details about the debt you owe? If yes, you may be wondering why a debt collector is calling you, when the debt you accrued was from a different lender. Well, with the rapid growth of the debt collection industry, debt buying is much more commonplace. Therefore, although you may not have acquired a debt from Improved Data Services, the debt you owe your original lender has most likely been bought by or transferred to them.
In the last three decades, the amount of consumer debt owed by Americans has rapidly increased. Records show that consumer debt in the United States grew from approximately $350 billion in 1980 to over $1.1 trillion since 1995. According to the Federal Reserve, outstanding consumer debt in the United States in 2012 was over $2.7 trillion (which means an average of nearly $8,800 for every American resident). debt experts also estimate actual consumer debt to be higher because the figures above do not include debt secured by real estate.
With the surge in consumer debt came a surge in debt-buying, and inevitably, debt collection harassment. debt collection harassment is perhaps so commonplace because of the amount of consumer debt that exists today and the fact that debt collectors are tasked with the job of collecting every penny (and paid only based on how much they can collect).
Regardless of whether or not they are under pressure to collect a debt and turn a profit, debt collectors must act in accordance with the FDCPA (Fair Debt Collection Practices Act), which protects the rights of consumers in the context of debt collection. If they fail to comply, they may be sued by an aggrieved consumer, fined, and made pay statutory damages of up to $1000, together with the consumer’s attorney fees. Call us now 844-791-1990 on if you have a question.
According to the laws of the FDCPA, Improved Data Services has crossed a line if they engage in any of the following.
Your Debt Collection rights under the FDCPA
The more you understand what your rights are in the context of debt collection, the better equipped you will be to act knowledgeably and effectively to debt collection harassment. The law states that Improved Data Services has crossed the line of ethical debt collection if they engage in any of the following practices:
• Repeated phone calls intended to annoy or harass you
• Calling too early or too late, between 9 p.m. and 8 a.m. in most cases
• Using unprofessional language
• Threats of jail time, bodily harm, violence, or legal action
• Refusing to identify themselves on a debt collection call
• Phone calls to your workplace despite being told to desist from such
The FDCPA also forbids debt collectors from publishing your name publicly as a person who refuses to pay his or her debts, hounding you on social media platforms, and from using false, deceptive, or misleading practices regarding the debt. False, deceptive, or misleading debt collection practices include:
• Lying about the amount you own(whether it be intentionally or not)
• Impersonating an attorney or police officer
• Threatening to have you put behind bars
• Making threats they can’t legally carry out
• Making threats they do not intend to carry out
When in negotiation with a third-party debt collector, we strongly advise you to keep a contact log. Your log should include information like:
• The date and time you received the call
• The phone number of the debt collector
• Their name and the name of their agency
• A brief summary of the conversation, including any unlawful tactics employed
About Improved Data Services
Improved Data services is a third-party debt collector located in Williamsville, New York. Although not BBB accredited at the time of this writing, the company provides pre-legal services and free referrals to affiliated counsel in nearly 40 states of the federation.
5500 Main St Ste 101
Williamsville, NY 14221-6737
Phone: (716) 568-8468
Is Improved Data services a scam?
No, although not BBB accredited, Improved Data services is a legal debt collection agency based in New York. Their BBB file was opened in 2009.
Improved Data services is also known as:
ids debt collection
ids collection agency
improved data services
About this site (Telephone Harassment)
Here at Telephone Harassment, we are all about informing consumers about their rights regarding harassment from debt collectors, collection law firms, and Original lenders. Call us now on 844-791-1990 or read more about us here.
Improved Data Services may be contacting you from the following numbers:
Improved Data Services BBB Information
BBB file opened: 3/17/2009
Consumer Rights Law Firm Center BBB information
BBB Rating: F