Chloe Meltzer | October 19, 2022
Summary: Are you being sued by Convergent Healthcare Recoveries? Not sure what to do next? Find out how to respond to a debt collection lawsuit from Convergent Healthcare Recoveries and win in court.
During the COVID-19 pandemic, unemployment rates soared and many people lost their incomes. In April 2020, unemployment rates rose to 14.8%, which was up 11% from 3.7% in 2019. This made it difficult for many people to maintain their monthly payments. Whether that was for bills, debt, or rent, most consumers had to choose where they allocated their funds. According to many studies, “credit cards saw the second greatest decline in delinquency rates, behind mortgages”. This led to a crisis of past-due debt.
One debt collector, in particular, is Convergent Healthcare Recoveries. During the pandemic, they did not decrease their rate of pursuing debts. As a collections agency, you might find Convergent Healthcare Recoveries on your credit score as “collections.” They are known for being unprofessional and unforgiving when it comes to debts. Know how to beat Convergent Healthcare Recoveries and move on past this debt that has been haunting you.
Convergent Outsourcing is a large debt collector. They have offices all over the United States and Central America, with headquarters in Illinois. They collect on various types of debts, meaning they do not only collect on healthcare debts. They have focuses on unpaid credit cards, signature loans medical bills, and commercial debts as well.
Not all debts are created equal, and it is essential to understand what Convergent healthcare recoveries are calling you about. Especially because Convergent works to collect on partial or full zombie debt. Zombie debts are when your account has been time-barred or is almost time-barred (partial zombie debts).
In the case of partial zombie debt, your unpaid bill will have almost passed the statute of limitations in your state. The statute of limitations limits how long a legitimate lawsuit can be filed and be collected upon. Fully dead zombie debts are when your bills are completely time-barred and cannot be collected. By approaching you for zombie debts, Convergent is using a tactic to revive an old debt, and have you pay a small payment on it. Then they will come back full force to collect the debt.
Although not everyone contacted by Convergent Healthcare Recoveries will struggle, many consumers do. If your debt is not old, then you may have a case that they can legally collect on. In this case, you might want to wait for collections to drop off your credit report, or simply tell a debt collector to cease all communications. Another option is requesting debt validation.
If your debt has been outsourced to a debt collector, then this means it was either sold to them, or they are negotiating the debt for you. In any case, you can often negotiate a reduced settlement. The older your account is, the lower you should offer. In some cases, it will depend on who Convergent is collecting for, but you can still try to explain your situation and ask to pay less. For extremely old debts you can attempt to ask to pay less than 30 percent. Although the statute of limitations expiration means you won't be able to be sued for the debt, you want to get it off of your credit report altogether. If the debt is a complete zombie debt, then you can even aim for 10% to start. Any settlement that you make be sure to get it in writing.
Debt validation can be a critical step in understanding who you owe and how much you owe. You can also get information from the collection agency to see if they have the right to pursue you for the debt.
In some cases, it can be used as a method to keep the debt collector off of your back for a while as well. For example, the debt collector may need more information from you to even be able to validate the debt, so this could take a while and hold off a lawsuit. This can give you time to gather the funds together, settle, or even wait for the statute of limitations to expire.
When you sed the request for validation it shows Convergent that you know your right and are looking to protect them. This may show them that you are not someone to simply give up the money, and they may spend their time trying to collect from people that are easier targets.
Sending a cease and desist letter is not the right choice for everyone. In many cases sending a cease communication notice to debt collectors is not a good choice unless you are sure that the debt has passed the statute of limitations and is time-barred. Although it may make you feel better, shutting down any form of communication is not always a good idea. Convergent cannot call or write you once this is done unless they are stating that you are being sued. This leaves the only method of collection through the courts, which means you may automatically go into a lawsuit.
If the account is still on your credit report then you may want to pay off other bills before this one. Unpaid bills on your credit can hold up the ability to get a home loan or obtain an apartment, and if you are not sure of the situation with this debt then it could put you in a bad situation.
The Federal Debt Collection Practices Act protects you from third-party debt collectors and unfair practices as a consumer. This includes harassment, calling you are odd hours, mentioning your debt to family other than your spouse, friends, and co-workers. In the event, you are harassed or your information has been leaked, you can file a countersuit against Convergent Healthcare recoveries. This will allow you to recover damages and coverage for attorney's fees. You may even have your case dropped altogether. It is a good avenue to look into if your debt is piling up and Convergent practices unfairly.
SoloSuit makes it easy to respond to a debt collection lawsuit.
How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.
"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James
Here's a list of guides for other states.
Being sued by a different debt collector? We're making guides on how to beat each one.
Is your credit card company suing you? Learn how you can beat each one.
Need more info on statutes of limitations? Read our 50-state guide.
Need help managing your finances? Check out these resources.