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Did a Collection Agency Not Validate Your Debt?
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Did Convergent Outsourcing* Not Validate Your Debt?


The Fair Debt Collection Practices Act (FDCPA) was passed in 1978 to help protect consumers like you from unscrupulous debt collection practices. If you have a past due debt, it may be transferred to a debt collector such as Convergent Outsourcing.

When a third-party debt collector contacts you in an attempt to collect the delinquent account, they must adhere to the FDCPA and other state and federal laws that apply to the collections process. If Convergent Outsourcing violates the FDCPA, they could face strict legal penalties and you can file a claim against them for the damages that their harassment cause.

Convergent Outsourcing

Convergent Outsourcing is a debt collection agency. They work with customers at each stage of a collections process, including first-party collections as well as third-party collections. While the FDCPA doesn’t apply to first-party collections it does apply to third-party collections which are also handled by Convergent Outsourcing.

Convergent Outsourcing is based in Renton, Washington and was established in 1950. The company isn’t accredited by the Better Business Bureau. The BBB has resolved 729 complaints in 3 years and 181 complaints in the last year. Convergent Outsourcing has a B+ rating. Most of the complaints involve billing and collection practices.

What Is A Debt Validation Letter? And Why Do You Need It?

If you are being contacted by Convergent Outsourcing regarding a past-due debt, you should ask for proof of the debt and evidence that you are responsible. You will want to ask for a debt validation letter before you pay toward the debt. When a collection agency sends a debt validation letter, they must include specific details to confirm without a doubt it is your debt.

The name of the original creditor, the amount of the original debt, the current amount you owe, and other details should be included. According to the FDCPA, Convergent Outsourcing has five days to respond to your request for validation. If they fail to respond to your request, they are in violation of the FDCPA and you can pursue a claim against them.

Did Convergent Outsourcing* Not Validate Your Debt?

Talk to An FDCPA Attorney Today

If Convergent Outsourcing has been harassing you over a delinquent debt, and if you believe the FDCPA has been violated, you can pursue a claim against them. To ensure your claim is filed in a timely manner and to ensure that you have provided all the supporting documentation necessary to succeed with your claim, enlist the help of an FDCPA attorney who is licensed to handle debt collection harassment cases in your state.

You may be able to recover compensation for your damages, and you can bring the harassing phone calls to a halt. Complete the Free Case Evaluation request form on this page so your information can be shared with a local FDCPA attorney.

*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 compensation.

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