Have a question?

Below are answers to common questions about the debt collection industry as a whole and common debt collection practices. If you are being contacted by Convergent Outsourcing and you have specific questions about us, learn more about us here.



Rules for Debt Collectors

Debt Collectors are not prohibited from contacting you at your workplace unless it has specifically been requested. The FDCPA states that if a collection agency has “reason to know” your employer does not approve of such calls, then they are no longer permitted to contact you at work. Some states even have restrictions on calling your employer that are more restrictive. By notifying the debt collector of your employer’s policy you will be able to stop or prevent future calls to your workplace.

At Convergent Outsourcing, we strive to provide excellent customer service and abide by the standards outlined in the FDCPA and state laws. If you want to stop calls to your employer, please let us know by filling out our contact form or calling us directly at 1-800-444-8485.

Convergent Outsourcing is not a debt buyer. In most cases our company has been contracted to assist collecting debt by the party you originally incurred the debt with. As a result, Convergent does not engage in or pursue any legal process required to grant permission of garnishing wages; however, debt collectors in general can be granted the permission to garnish your wages if they have gone through the legal processes necessary to do so.

In order for them seek collection through this method, the collection agency must first take your case to court through a debt collection lawsuit. If they provide a compelling enough argument to win the lawsuit, a judgement will be filed against you which can include consequences such as wage garnishment.

Wage garnishment laws vary by state and may not be allowed for certain types of debt in some states.

The Fair Debt Collection Practices Act mandates that debt collectors cannot contact individuals at an unusual time or place. For most purposes, this means our representatives can only call you between 8am and 9pm. The 8am to 9am time frame is dependent on the time zone you reside in.

If one of our representatives is acting in error by calling you repetitively or at inappropriate times and you would like the calls to stop, please let us know. You may remove your number via our automated phone number removal line by calling 1-855-728-9701 and follow the guided prompts or notify Convergent through our contact form. You may submit your number to our Do Not Call list here.

Convergent Outsourcing is not a debt buyer. In most cases our company has been contracted to assist collecting debt by the party you originally incurred the debt with. As a result, Convergent does not engage in or pursue any legal process required to sue a consumer. Debt collectors in general can sue a debtor; however, most companies follow their own set of policies and procedures before initiating this process. As a consumer there are steps you can potentially take to avoid being sued.

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Convergent Outsourcing does not add additional fees to your debt. However, creditors can add additional fees and interest to your debt if it was included in their terms and conditions of the original agreement with the consumer.

How to Deal With Debt Collectors

What are the rules and how can you resolve debt issues with Convergent as well as debt collectors in general? Read our 7 tips on how to deal with debt collectors and learn more about your rights.

How to Deal with Debt Collectors

Receiving calls from a collection agency can be overwhelming and frustrating. Simply ignoring the calls may potentially cause bigger problems for you down the road. Debt collectors are required to end all communication with you if you simply request it in writing, but should you do that? Learn more!

Stop Calls from Debt Collectors

If you have been contacted by a debt collector and do not recognize or agree with the amount they claim you owe, there is action you can take. Under the FDCPA, you have the right to ask for validation and dispute the debt.

How to Dispute A Debt

If you believe you are being harassed by a debt collector, there are ways to report the debt collector and stop the harassment.

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If you believe you are being harassed or treated unfairly, there is action you can take. Learn more about who to contact to report the debt collector and end the harassment.

How to Report a Collector

If you are considering taking legal action against a debt collector, learn more about what is legal and what avenues you may have to address the issue.

Suing Debt Collectors

To find out how much money you have in collections, you should start by pulling your free credit report at www.annualcreditreport.com. It is good financial management to pull your credit report each year to check on the status of your open accounts. From the report you will be able to find information on the original creditor which you can use to contact them and figure out any outstanding balances

If you currently owe money to a creditor, it is likely you have received mail or phone messages about your debt. These messages contain important information and instructions on who to contact to talk about your account.To figure out what your current balance is with Convergent Outsourcing, log-in to your account through our make a payment page or give us a call at 1-800-444-8485. We are available to assist you Monday-Friday from 7a.m.-5p.m. PST.

When a debt collector calls, it may seem like they know information about you or how to contact you, but you are unsure of how they managed to find that information. Learn more.

Six Ways Debt Collectors Obtain Your Information

Laws & Regulations

What is a collections agency and how do they work? Do they buy your debt or does it still belong to the original creditor?

Learn How Collection Agencies Work

What is the FDPCA? How does it protect me and what are my rights? Learn more about the laws for debt collectors.

Debt Collection Laws

Debt collection scams have become more and more prevalent over the years. We have listed some common red flags to help you determine whether it is a scam or a legitimate debt collector.

Red Flags for Collection Agency Scams

Are you being contacted on behalf of a debt you feel is out of the statute of limitations, and wonder why? In our companies' experience, many consumers are misinformed of what the statute of limitation actually is, and/or what it encompasses.

Learn More

Are you considering filing for bankruptcy to resolve your debts? Is a creditor still calling you after a bankruptcy discharge? Learn more about your rights in bankruptcy.

Filing for Bankruptcy

If you have questions or need to make a change to your account

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

800-444-8485
7 am to 5 pm Pacific Time
Monday to Friday

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