Iqor is the worst company ever , i was once employed by them and they find ways to break the fdcpa code by hiring minimal english speaking employees, then suggest retraining that never happens. They call obsessively and typically never say a word, thats because thwy want you to call them back as a debt collecter they use tactics to draw you in and by misumderstansing their employees is how you agree to the wrong tbings, do not be fooled by this company they break the fdcpa code as often as possible because they believe that consumers are uneducated about the policy and rights.
Bb and ftc take complaints and will answer all your questions