If you believe that you are being harassed or treated unfairly by a debt collector, there are actions you can take. The Fair Debt Collection Practices Act was put in place to protect the consumer from unlawful collection practices. Follow these instructions to help protect yourself and others from these debt collection scams.
There’s a lot of confusion about what is and is not legal for collection agencies. This is why it is important to be well versed in the laws surrounding the industry. Before you move forward with reporting a debt collector, you want to make sure they are in fact breaking the law.
The Fair Debt Collection Practices Act regulates how collection agencies may contact consumers about a debt. For example, debt collectors may only call between the hours of 8am and 9pm in the time zone in which you reside. This law also mandates that if you submit a formal request in writing to stop the calls, the collections agency must do so.
In most cases, it's legal for debt collectors to contact you via phone or email, come to your door and even call you at work.
If you have been contacted by Convergent Outsourcing, know that we are one of America’s leading collection agencies with more than sixty years of experience. If you are experiencing an issue with us, please contact us directly and we will work to resolve the issue!
Please review the following information and contact the correct department. If you contact the wrong department, it may cause us a delay in getting back to you in a timely manner to resolve your issue.
Under the law, what is considered harassment and how can you stop it? Learn more about what qualifies as debt collection harassment. If you are being harassed, use the steps below to end the harassment:
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
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 https://www.nmlsconsumeraccess.org/.
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