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How to Beat Convergent Outsourcing

Sarah Edwards | June 20, 2023

Sarah Edwards
Legal Expert
Sarah Edwards, BS

Sarah Harris is a professional researcher and writer specializing in legal content. An Emerson College alumna, she holds a Bachelor of Science in Communication from the prestigious Boston institution.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Convergent Outsourcing is a debt collection agency. It’s important to request debt validation when debt collectors reach out to you about a debt you supposedly owe. If you’ve already been sued by Convergent Outsourcing, responding to the case will increase your chances of beating them significantly. SoloSuit makes it easy to send a Debt Validation Letter and respond to a debt lawsuit.

Finding out your old debt is in collections is never great news. Collections typically mean you’ll hear from debt collectors over the phone and via email, mail, and SMS text messages. Your debt collector may take legal action against you if you don't repay the bill.

One well-known debt collection agency is Convergent Outsourcing. Convergent Outsourcing is one of the oldest debt collectors in the U.S., operating since 1950. If you receive a bill from Convergent Outsourcing, you’ll want to take action quickly to avoid a debt lawsuit.

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What you need to know about Convergent Outsourcing

Convergent Outsourcing is a third-party debt collector that purchases aged debts from various companies, including telecommunications agencies, utilities, banks, cable companies, and financial service providers. Any old consumer debt you owe could fall into the hands of Convergent Outsourcing.

The mailing address for Convergent Outsourcing is 800 SW 39th St., Suite 100, Renton, WA 98057. You can call the agency at (800) 444-8485.

Convergent Outsourcing has two profiles with the Better Business Bureau (BBB). One is undergoing updates and doesn’t have any information concerning the business. The second profile indicates the company does not have BBB accreditation. Over 400 consumers have filed complaints against the organization as of March 21, 2023.

Unfortunately, the second profile doesn’t allow visitors to read consumer complaints, probably because the company is establishing a new profile.

ConsumerAffairs publishes consumer reviews of companies like Convergent Outsourcing. Of the 86 reviews, nearly all are one-star. Many of the complaints are about debts the consumer never owed. Other consumers complain of receiving collection notices for previously settled bills.

What to do if you receive a collection notice from Convergent Outsourcing

One of the worst things you can do is ignore a collections letter. Even if receiving the notice angers you or provokes your anxiety, don’t ignore it — fight back. Your first step is to require Convergent Outsourcing to validate the debt against you.

Debt validation requires Convergent Outsourcing to provide evidence that the obligation it is chasing you for is yours and is the right amount. In your Debt Validation Letter, ask Convergent Outsourcing to provide the following information:

  • The name and account number of the original debt.
  • The amount you owe, including any interest or other fees.
  • The last transaction made on the account.
  • Analysis of the debt’s age.
  • Whether the debt is past your state’s statute of limitations.
  • Convergent Outsourcing’s license number for collecting debts in your state.

Under the law, following the initial thirty days after receiving a debt collection notice, consumers can request debt validation. Act on your rights and require Convergent Outsourcing to validate your debt. If it can’t, it will need to stop further collection activity.

Draft a Debt Validation Letter in minutes with SoloSuit.

Pay off the debt with Convergent Outsourcing

If Convergent Outsourcing fully validates your debt, you must handle the matter properly to avoid further collection activity. Sometimes, the debt is minor, like $50 or less. Paying off the debt is usually advantageous since you won’t need to deal with Convergent Outsourcing once you repay it.

Convergent Outsourcing may agree to an installment plan if your debt is larger. An installment plan allows you to repay the debt over a specific time frame, such as six months to a year. You won’t need to come up with a significant amount up front, but you’ll be on the hook for monthly payments.

Settle the debt with Convergent Outsourcing

If your debt is old and you have the money for a one-time settlement, you can contact Convergent to see if it will accept a lesser amount in exchange for forgiveness of the remaining balance. If Convergent knows it is unlikely to collect the total amount of an old debt, it might appreciate the opportunity for a settlement.

A settlement benefits you, too. You’ll save some money and put the debt behind you. You won’t need to worry about Convergent Outsourcing suing you for the obligation.

If you intend to settle your debt, decide how much you can afford to pay. The higher your offer, the more likely Convergent is to accept it. However, your financial limitations also come into play. If you can only afford 40% of the debt in a settlement, don’t let that stop you. Reach out to Convergent and see if it will accept that amount.

Let’s consider an example.

Example: Tricia has an old credit card obligation, which Convergent Outsourcing has purchased from her original creditor. The amount due is $2,000. After she asks Convergent Outsourcing to validate the debt, it provides her with evidence that the debt is hers. Unfortunately, Tricia can’t afford to repay the entire amount at once. She asks Convergent if it will accept a settlement for 40% of the debt’s value, $800. Convergent agrees to Tricia’s settlement offer. After payment, Convergent reports the account settled to the credit reporting agencies and halts future collection activities with Tricia.

Look out for FDCPA violations

Debt collectors regularly violate the FDCPA’s rules concerning debt collection. If you feel Convergent Outsourcing is harassing or abusing you when trying to collect a debt, don’t hesitate to file a complaint against the company. Some examples of illegal debt collection activities include:

  • Telling you that it will seize your assets if you don’t repay the debt immediately.
  • Threatening you with jail time if you fail to repay an obligation.
  • Calling you throughout the day.
  • Communicating with you more than once weekly concerning a debt.
  • Calling you at odd hours, like before 8 a.m. or after 9 p.m.
  • Discussing your debt with extended family members, like aunts or cousins.

This isn’t a complete list of FDCPA violations. If Convergent Outsourcing bothers you in other ways, report it to the FTC and the BBB.

Don’t accept responsibility for debt until Convergent Outsourcing fully validates it

Convergent Outsourcing is one of many debt collectors that purchase old debts at low prices, then attempt to collect them from consumers. Never accept a debt collector’s bill until it is fully validated. That way, you ensure that you’re speaking with the proper owner of your obligation and that they have a right to collect the amount due.

Is Convergent Outsourcing suing you for unpaid debt? Settle your debt now with the help of SoloSettle.

Watch this video to learn more about how debt settlement can help you resolve your debts with Convergent Outsourcing:

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