Debt collectors are resourceful when it comes to trying to collect money. Unfortunately, some of the methods that they use are illegal. If you find yourself on the receiving end of a harassment campaign, know that the law is on your side.
Your Rights Under the FDCPA
Legally, third-party debt collectors are not allowed to bully or harass you about paying a debt. The Fair Debt Collection Practices Act, or FDCPA, imposes significant penalties on companies that use collection tactics like the following:
● Swearing and calling you names
● Harassing you over a debt that isn’t yours
● Pretending to be members of law enforcement
● Using the telephone to harass you
● Threatening to publish your name on a debtor’s list
● Using profane and obscene language
● Using an autodialer to call you
Company Profile: Convergence Acquisitions, LLC
If you are being called by Convergence Acquisitions, LLC, here are some additional company details.
Convergence Acquisitions, LLC is a debt collection agency in Cedar Rapids, Iowa. It was established in 2016, has 69 employees, and is managed by Anthony Kuhns. Legal files archived at the PACER website indicate that people who felt harassed by Convergence Acquisitions, LLC refused to pay.
Alleged Violations against Convergence Acquisitions, LLC
According to PACER, on or around January 25, 2018, Convergence Acquisitions, LLC attempted to collect a judgment made against a Kentucky consumer in 2003. She asserted that the agency was not properly authorized to collect portions of that debt from her, namely court costs.
Feeling harassed by Convergence Acquisitions, LLC, the consumer sued the company for:
● Misrepresenting the character, legal status, or amount of the debt
● Trying to collect an amount not permitted by law
● Using unfair means to collect a debt
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
Their presence on your caller ID means that Convergence Acquisitions, LLC is trying to reach you. If they try to collect an amount that is not permitted by law, hire a consumer lawyer and file a claim against Convergence Acquisitions, LLC. If you win, you may receive $1,000 per FDCPA violation. When a debt collector disregards your rights, don’t passively accept it. Let an attorney help you get the compensation you deserve.
*Case taken from PACER (www.pacer.gov). File number is Case 4:18-cv-00035-JHM-HBB from the United States District Court for the Western District of Kentucky, Owensboro Division.
Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Convergence Acquisitions, LLC or any other third-party collection agency, you may not be entitled to any compensation.