It is a common misconception to believe that the only negative consequence for not paying collection agencies is the possibility of having a poor credit score. The reality is that outstanding debt can possibly effect more than just your credit report. In some instances, it has the potential to result in the creditor or collector taking legal action.
As a service provider, Convergent Outsourcing works with the original company that you incurred a debt with to help collect the debt on their behalf. We do not buy or own debts – we merely act as a collections representative.
Since we do not own your debt, Convergent Outsourcing does not sue consumers for outstanding debts. The original creditor still has the right to legally pursue you for the debt you owe if they fail to collect the debt through other means.
According to the guidelines in the FDCPA it is within a collection agency’s rights to sue for your debt. If you currently owe money to a collection agency and want to avoid a potential and costly lawsuit, try these alternatives:
Convergent Outsourcing is a third party collection agency accredited by ACA International. We seek to make the debt collection process simple by providing multiple payment options online, by phone or by mail. If have found yourself in a situation where you are unable to make payments on your debt, please contact our representatives at 1-800-444-8485 to discuss what options you have available. We will help to the best of our ability and work to get you on a path towards a better financial future.
If you have questions or need to make a change to your account
In business since 1950, Convergent is one of America’s leading collections agencies. As an accredited agency, all of our representatives are thoroughly trained on customer service and Fair Debt Collection Practices Act compliance. We believe in customer service and want to make it easy as possible for people to pay the debts they owe.
800 SW 39th Street, Suite 100
Renton, WA 98057
7 am to 5 pm Pacific Time
Monday to Friday
New York City Residents: Please be advised that language access services, including the translation of information into a language other than English, may be available. A translation and description of commonly-used debt collection terms is available in multiple languages on the New York City Department of Consumer and Worker Protection’s website, www.nyc.gov/dca