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By Contributing Author: Sergei Lemberg Updated on

What You Need to Know if Convergent is Trying to Collect a Debt From You*

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Debt collection agencies have long been known for using abusive or deceptive tactics when collecting debt, so the Fair Debt Collection Practices Act (FDCPA) was passed to protect consumers from these debt collection practices. If Convergent violates any of the FDCPA laws, they could be forced to pay up to $1,000 and much more in punitive damages by a court of law.

When are first contacted by Convergent, the collector must identify himself, his company, his reason for calling, and the original owner of your debt. He must make it clear that they are collecting a debt.

After you talk to them, they need to send a letter of notice within five days explaining what they talked about on the phone as well as how to dispute the collection attempt. After you receive the notice, you should request a verification letter. Convergent is required to send one if you ask them within 30 days of receiving written notice.

The FDCPA not only has laws describing what debt collectors must do, but also what they are forbidden to do. They can’t:

Convergent is a large outsourcing agency with employees in many locations across the United States. Their headquarters is located in Renton, Washington. They were founded in 1950 and have continued to have their headquarters located their since then.

The company not only handles debt collection, but also other services involving contacting consumers, such as call center duties. Their clients are in many industries, including banks, financial institutions, retailers, telecommunications companies, cable and satellite service providers, and utilities.

Laws Convergent Has Been Accused of Breaking

Convergent is not accredited with Better Business Bureau (BBB), and has received hundreds complaints in the last three years through the BBB alone.

Other allegations against Convergent could include, but aren’t limited to:

  • Attempting to collect a debt from the wrong person.
  • Continuously harassing consumers who don’t owe debts.
  • Trying to collect debts that have already been paid.
  • Using rude language and raising their voice at consumers.
  • Falsely threatening consumers with legal punishments.
  • Trying to collect debts past the statute of limitations.
  • Ignoring calls from consumers.
  • Refusing to send verification of the debt.
  • Reporting debt to credit bureaus without notification to the consumer.

What to do if Convergent is Trying to Collect a Debt From You*

If you have been contacted by (425) 643-3111, this could have been Convergent. If you don’t want to be contacted by Convergent, you have the right to tell them to stop contacting you. You need to send the request in writing, and you should send it by certified mail so you’ll know exactly when they receive it. After this, it’s against FDCPA law to call, text, or mail you anything again unless they are telling you they’ve received and you won’t be contacted further or they’re taking legal action against you.

If convergent is refusing to work with you on a settlement or if the debt isn’t yours you should a qualified FDCPA lawyer. A lawyer can help you reach a reasonable settlement or represent you if you’re sued. If you feel the company is mistreating you, your lawyer can help you take legal action against convergent. Have an attorney look at your case today.

**Better Business Bureau’s Listing for Convergent Outsourcing :…


The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against Convergent Outsourcing or any other third-party collection agency, you may not be entitled to any compensation.

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