How to Tell if it’s a Debt Collection Scam

Debt Collection Scams: How to Know the Difference

If you are being called by a debt collector, you may wonder – is this a scam? Unfortunately, there are scam artists that pose as a representative from a collection agency and trick unsuspecting callers into giving them personal bank and financial information. In some cases, these scammers may have even hacked into your credit report so they are able to ask about real debts that you owe.

Is Convergent Outsourcing a Scam?

If you have been contacted by Convergent Outsourcing, know that we are accredited by ACA International and have been in business since 1950. With Convergent Outsourcing, we do not buy or own your debt, so you may still verify that the debt is yours with the original creditor.

Red Flags for Collection Agency Scams

  1. If the collector uses threats or harassment to get you to pay, it may be a scam. If the call is from a true collection agency, they are required to follow the regulations outlined in the FDCPA to prevent debt collector harassment. If the collector seems abusive or uses blatant threats or scare tactics, you may be the victim of a scam.
  2. If the debt collector withholds information or refuses to answer questions about your debt. Be aware that when a debt collector calls, they are required to first confirm that you are the appropriate person to speak with about the debt - if a debt collector asks you to confirm your identify first, this is a sign of a legitimate debt collector. This is required by law to ensure that the debt collector does not discuss a debt with the wrong person. Keep in mind, details about the debt cannot be discussed or disclosed until certain identifiable information has been obtained. As the debtor, you have a right to ask for verification of the debt.
  3. If the collector will not provide you with a business name. If you request the physical name of the collection agency they are calling from and the collector cannot or will not provide you with this information, this may be a sign that you are dealing with a scam.
  4. If the debt collector demands immediate payment. Scammers may use threatening tactics to scare you into paying immediately so that you make an emotional decision over a rational one. While it is true that debt collection agencies are looking for payment when they call, they will not usually threaten immediate punishment if payment is not made that day.
Questions? Contact Us.

Convergent Outsourcing, Inc. is a third party debt collection agency and member of ACA International with over 60 years of experience in the collections industry. Our company complies with the standards outlined in the FDCPA and values both professionalism and customer service. If you have questions about why we’re are calling you or believe that we are calling in error, please contact us so that we may work together to resolve the issue. You may reach our representatives by phone any time Monday-Friday from 7 a.m. to 5 p.m. Pacific Time at 1-800-444-8485.

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About Us

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.

Our Contacts

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,

Maryland Residents: This agency is licensed as NMLS ID # 930053. For more information or to verify license status, visit the NMLS Consumer Access website at

North Carolina Residents: This agency is licensed by the North Carolina Department of Insurance, Company Number: 119507691, 119500362, 119500979, 119500976, 119506893, 119507004, 119506891, 119506890, 119506889

California Residents: California license pending

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