If you are being contacted by a debt collection agency, and you believe the debt is yours, but there is some error with the information, you should file a dispute. These are some of the issues that may require a dispute:
If any of these scenarios is the case, you should submit a dispute to the debt collection company attempting to contact you.
Within 5 days of the collections agency’s first initial contact with you, they are required to provide you your rights to validation of the debt, typically in the form of a letter containing the following information:
Convergent Outsourcing is an ACA International accredited collection agency that works with clients in the telecommunications, utilities, banking, cable and finance industries.
If I have a dispute, should I contact Convergent or the original creditor?
As a third-party outsourced solution for debt collection, Convergent does not own your debt and is merely acting on behalf of the original creditor. However, you can still reach out to Convergent about disputes and we will help get additional information about the debt from the original creditor. During that time, we will also cease collection efforts until that creditor has provided a response.
Choose an option below:
Attn: Dispute Dept.
P.O. Box 9004 Renton, WA 98057
Disputes with Another Debt Collection Agency
To dispute the debt in question, you must send a written letter of dispute to the collection agency that is contacting you. As soon as they receive your letter the collection agency is required to cease all collection efforts until they can provide you with a verification of the debt. If they cannot produce this information, they can no longer legally attempt to collect the debt from you. In addition to providing verification, if they are reporting the debt to a credit reporting agency they must also report that the debt is “in dispute” to the credit bureaus they work with.
Note: if your request is not sent within the initial 30 day period, the debt collector is no longer required to provide validation under the FDCPA.
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