If you are being contacted by a creditor about a debt, it can be an emotional process. Whether you owe the debt or you believe you are being contacted mistakenly, you may consider contacting an attorney just to know what your options are. You have probably seen ads or articles about filing a lawsuit against a debt collection agency, but what actually is an illegal practice and is it worthwhile to sue a debt collector?
The best way to deal with debt collection agencies is to learn more about the collection agency that is contacting you and how their process works. There are laws that govern the collections process and you can file a formal complaint if you believe a collections agency is violating these standards. Additionally, you can work with a collections agency to negotiate your debt, dispute your debt or simply stop the calls without paying expensive legal fees.
Look up the debt collector that is calling you. Get to know more about them and learn about how collection agencies work.
Suing a creditor can be a lengthy and expensive process. Debt collection attorneys may make it seem easy to proceed this route, but there are much easier ways to stop the calls and resolve the issue. You can contact the debt collector directly to get more information about your debt, specify where they can call you or even just ask them to stop the calls. Once you contact them, they must abide by your requests.
Letters You Can Send to Debt Collectors
The Consumer Financial Protection Bureau provides several letter templates that you can use to draft a letter to send to your debt collector. Be sure to keep copies of any written communication. You can find the templates here: https://www.consumerfinance.gov/askcfpb/1695/What-should-I-do-when-a-debt-collector-contacts-me.html.
The Fair Debt Collection Practices Act (FDPA) protects consumers from unfair and illegal debt collection practices. If a creditor is violating the regulations outlined in this law, you can take legal action against them.
Report the Debt Collector
You can report the debt collection agency to several regulating and legal bodies that can help put pressure against the debt collector to improve their practices. Learn more about reporting a debt collector here.
If you want to proceed with suing a collection agency, it’s important to determine first if it’s worth the time and the risk. If your debt is legitimate, it is also important to remember that you could still be required to pay the debt even if you win your lawsuit.
The best way to deal with debt collection agencies is to learn more about the collection agency that is contacting you and how their process works. Read our articles below to learn more:
At Convergent, we strive to abide by the rules outlined in the FDCPA and want to make the debt collection process as easy and stress-free as possible for our customers. If we have called you in error or you wish to stop receiving collection calls, please fill out our online contact form to be added to our Do Not Call List. We are also more than willing to work with you through a payment plan. To discuss payment options, please give us a call at 1-800-444-8485. We are available Monday through Friday from 7 a.m. to 5 p.m. Pacific Standard Time.
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