Receiving calls from a collections agency on an old debt can be a confusing and scary process. Depending on how old the debt is and the information that the collections agency provides, you may not recall the debt or the particular amount. Even if you do remember the debt, you may have certain legal rights based on the statute of limitations on debts in your state.
The statute of limitations (in relation to debt collections) provides a timeframe in which collectors can sue a consumer to collect a debt. Once the statute of limitations of a debt has been reached, it is considered a time-barred debt. This does NOT mean a debt is not valid or no longer collectible, as stated in the beginning, it simply means you can’t be forced to pay the debt by legal means.
The statute of limitations varies from state to state. It also varies depending on the type of debt. According to The Federal Trade Commission, state law generally determines how long debt lasts. The timeframe generally starts when you fail to make a payment. When the timeframe stops typically depends on two areas of interest: the type of debt, and either the law that applies in your state of residence or the state specified in your credit contract.
If you want to determine the statute of limitations on different kinds of debt, specified by state, please check with your State Attorney General's Office.
Convergent Outsourcing is a third party collection agency that abides by the standards outlined in the FDCPA. If you’ve experienced difficulty with any of our representatives pertaining to the issues above, please let us know via our online contact form. We seek to provide excellent customer service to our consumers and appreciate any feedback you may have. To make a payment or ask questions about your debt, please give us a call at 1-800-444-8485._
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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