Is Convergent Outsourcing Calling You?

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.

Is Convergent Outsourcing legit?

Convergent Outsourcing is legit. Therefore, if they are contacting you regarding an alleged debt it should be taken seriously. The BBB notes that Convergent Outsourcing was established in 1950 and has had their BBB page opened since 1994. The BBB has given Convergent Outsourcing an F rating and has not accredited the company. The BBB also notes that “this business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.”

Zoominfo notes that Convergent Outsourcing generates approximately $484 million annual revenue. According to its website, Convergent Outsourcing is a longtime member of ACA international and operates as a third party debt collector for their clients. The company adds that their clients, or the companies debtors originally incurred the debt with, contract with Convergent Outsourcing to follow up on and secure the outstanding debts consumers may owe them.

Who does Convergent Outsourcing collect for?

Convergent Outsourcing explains on their website that they provide collection services for a wide variety of businesses and industries, including medical and healthcare service providers; utility service providers; telecommunication and mobile phone companies; e-commerce companies; consumer retail lenders; pharmaceutical companies; travel agents; financial services companies; automotive lenders; government agencies; technology service companies; and transportation companies.

Additionally, the collections company provides business process outsourcing. They claim to provide “a wide range of customer contact management services which help to lower cost, manage uneven call volumes, deal with specific call types and prepare for unexpected outages or natural disasters.” Convergent Outsourcing also adds that their “contact programs support customer acquisition, customer care & retention and back office processes, as well as custom designed programs for special situations.”

Convergent Outsourcing provides Healthcare Revenue Cycle Management. The company claims to “help hundreds of hospitals across the nation improve financial performance, enhance the patient experience and improve physician satisfaction.” They add that their “healthcare division empowers providers through technology-driven combinations of adaptable workflows, patient-focused contact center technology operations, a unique attorney-powered approach and next-generation analytics.”

Lastly, Convergent Outsourcing provides commercial solutions as well, explaining on their website, that “Convergent’s team of recovery specialists is dedicated to commercial debt collections and will handle each of your collection files one at a time, getting the job done, one to one.”

Convergent Outsourcing lists its professional affiliations on its website. The company is in good standing with ACA International, Compliance Professional Forum, and AICPA.

How many complaints are there against Convergent Outsourcing?

As of June 2023, there are currently 1,068 complaints posted in the last 3 years on Convergent Outsourcing’s BBB page, 421 of which were posted in the last 12 months. Most of those complaints alleged problems with billing and collections, although some complaints cited problems with customer service; advertising and sales; and delivery or warranty issues. Additionally, Convergent Outsourcing has received 38 reviews on the BBB, amounting to a 1.11/5 rating.

Convergent Outsourcing Contact information

Address: 800 SW 39th Street Renton, WA 98057
Telephone: (800) 444-8485
Website: http://www.convergentusa.com

Can Convergent Outsourcing sue me or garnish my wages?

Convergent Outsourcing can sue you or garnish your wages, but only with legitimate reason to do so. The collections company cannot simply make empty threats to sue or garnish your wages, as this would be a violation of federal law. While it is illegal for a debt collection company to take this action, some collections companies will still take advantage of alleged debtors, proceeding to summon them to court and garnish their wages, even if the consumer does not owe the alleged debt. Given this risk, the wisest decision as a consumer or alleged debtor would be to acquire legal help to assist with resolving your case.

Can I sue Convergent Outsourcing for harassment?

Yes, you can sue Convergent for harassment. Moreover, you should choose to sue if you wish to enforce your rights and recover money for the collection company’s violation. An attorney can help you utilize the Fair Debt Collections Practices Act (FDCPA) which protects consumers like you, awarding damages of up to $1,000, plus attorney fees and court costs to victims of wrongful collections practices. Take advantage of the federal laws that are meant to protect consumers like you, and contact an attorney if you are at risk.

How often can Convergent Outsourcing call?

Convergent Outsourcing can call, but only within the regulations set by the federal government. The current enacted laws are meant to protect consumers from repetitive phone calls from debt collectors. In November 2021, the CFPB’s Debt Collection Rule clarified that a debt collector is presumed to have violated the law if they place a telephone call to you about a particular debt

• More than seven times within a seven-day period, or
• Within seven days after engaging in a telephone conversation with you about the particular debt.

Importantly, if Convergent Outsourcing’s violation does not fall within the aforementioned violation, you can still sue if the collector’s phone calls are intended to harass, oppress, or abuse you.

How to stop Convergent Outsourcing calls?

Yes, you can stop Convergent Outsourcing from making calls by filing a complaint, and obtaining assistance from an attorney. By utilizing the Fair Debt Collections Practices Act (FDCPA), consumers can protect themselves from improper collections practices by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. Consumers also receive additional protection under the FCRA, the Telephone Consumer Protection Act (TCPA), and the Consumer Financial Protection Act (CFPA). You may have a case if..

• You are receiving multiple calls per week from third party collection agencies.
• You are receiving early morning or late night calls from debt collectors
• You are receiving calls at work from a debt collection agency
• Debt collectors are calling your family, friends, neighbors, or coworkers
• Collectors are threatening you with violence, lawsuit, or arrest
• A debt collector attempts to collect more than you owe
• You are being threatened with negative credit reporting
• A debt collector attempts to intimidate you
• Criminal accusations are being made towards you
• Use of obscene language during an attempt to collect
• Automated robocalls are being made to your phone in an attempt to collect

Does Convergent Outsourcing hurt my credit score?

Convergent Outsourcing can hurt your credit score if they have reported your alleged debt to a credit reporting agency. If they have already reported the alleged debt, or you fear that they might, you can remedy the harm by contacting an attorney for assistance.

*Disclaimer:

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.