How to Beat Convergent Outsourcing

Edited by Hannah Locklear

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.

Sued for debt by Convergent Outsourcing? Settle the debt for good with SoloSettle.

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.

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:

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

How to answer a summons for debt collection in your state

Here's a list of guides for other states.

All 50 states.

• Alabama
• Alaska
• Arizona
• Arkansas
• California
• Colorado
• Connecticut
• Delaware
• Florida
• Georgia
• Hawaii
• Idaho
• Illinois
• Indiana
• Iowa
• Kansas
• Kentucky
• Louisiana
• Maine
• Maryland
• Massachusetts
• Michigan
• Minnesota
• Mississippi
• Missouri
• Montana
• Nebraska
• Nevada
• New Hampshire
• New Jersey
• New Mexico
• New York
• North Carolina
• North Dakota
• Ohio
• Oklahoma
• Oregon
• Pennsylvania
• Rhode Island
• South Carolina
• South Dakota
• Tennessee
• Texas
• Utah
• Vermont
• Virginia
• Washington
• West Virginia
• Wisconsin
• Wyoming

Guides on how to beat every debt collector

Being sued by a different debt collector? Were making guides on how to beat each one.

• Absolute Resolutions Investments LLC
• Accredited Collection Services
• Alliance One
• Amcol Clmbia
• American Recovery Service
• Asset Acceptance LLC
• Asset Recovery Solutions
• Associated Credit Services
• Autovest LLC
• Cach LLC
• Cavalry SPV I LLC
• Cerastes LLC
• Colinfobur
• Covington Credit
• Crown Asset Management
• CTC Debt Collector
• Cypress Financial Recoveries
• Delanor Kemper & Associates
• Eagle Loan of Ohio
• Educap
• Estate Information Services
• FIA Card Services
• Forster & Garbus
• Freshview Solutions
• Fulton Friedman & Gullace LLP
• Harvest Credit Management
• Howard Lee Schiff
• Hudson & Keyse LLC
• Integras Capital Recovery LLC
• Javitch Block
• Jefferson Capital Systems LLC
• LVNV Funding
• Mannbracken
• Mariner Finance
• Medicredit
• Michael J Adams PC
• Michael J Scott
• Midland Funding LLC
• Mullooly, Jeffrey, Rooney & Flynn
• Mountain Land Collections
• MRS Associates
• National Collegiate Trust
• Nationstar Foreclosure
• Northstar Capital Acquisition
• NCEP LLC
• NRC Collection Agency
• OneMain Financial
• Palisades Collection LLC
• Pallida LLC
• Paragon Revenue Group
• Pinnacle Collections Agency
• PMAB LLC
• Portfolio Recovery Associates
• Provest Law
• PYOD LLC
• Reunion Student Loan Finance Corporation
• Revenue Group
• Regents and Associates
• RSIEH
• Salander Enterprises LLC
• Second Round Sub LLC
• Security Credit Services
• Sherman Financial Group
• Suttell and Hammer
• T-Mobile
• Transworld Systems
• Tulsa Teachers Credit Union
• UCB Collection
• Velo Law Office
• Velocity Investments
• Waypoint Resource Group
• Weinberg and Associates
• Wolpoff & Abramson

Win against credit card companies

Is your credit card company suing you? Learn how you can beat each one.

• Bank of America
• Capital One
• Chase
• Credit One Bank
• PayPal Synchrony Card
• SYNCB/PPEXTR
• Synchrony Bank
• Target National Bank
• Wells Fargo

Going to Court for Credit Card Debt — Key Tips

How to Negotiate Credit Card Debts

How to Settle a Credit Card Debt Lawsuit — Ultimate Guide

Get answers to these FAQs

Need more info on statutes of limitations? Read our 50-state guide.

Why do debt collectors block their phone numbers?

How long do debt collectors take to respond to debt validation letters?

What are the biggest debt collector companies in the US?

Is Zombie Debt Still a Problem in 2019?

SoloSuit FAQ

If a car is repossessed, do I still owe the debt?

Is Portfolio Recovery Associates Legit?

Is There a Judgment Against Me Without my Knowledge?

Should I File Bankruptcy Before or After a Judgment?

What is a default judgment?— What do I do?

Summoned to Court for Medical Bills — What Do I Do?

What Happens If Someone Sues You and You Have No Money?

What Happens If You Never Answer Debt Collectors?

What Happens When a Debt Is Sold to a Collection Agency

What is a Stipulated Judgment?

What is the Deadline for a Defendants Answer to Avoid a Default Judgment?

Can a Judgement Creditor Take my Car?

Can I Settle a Debt After Being Served?

Can I Stop Wage Garnishment?

Can You Appeal a Default Judgement?

Do I Need a Debt Collection Defense Attorney?

Do I Need a Payday Loans Lawyer?

Do student loans go away after 7 years? — Student Loan Debt Guide

Am I Responsible for My Spouses Medical Debt?

Should I Marry Someone With Debt?

Can a Debt Collector Leave a Voicemail?

How Does Debt Assignment Work?

What Happens If a Defendant Does Not Pay a Judgment?

How Does Debt Assignment Work?

Can You Serve Someone with a Collections Lawsuit at Their Work?

What Is a Warrant in Debt?

How Many Times Can a Judgment be Renewed in Oklahoma?

Can an Eviction Be Reversed?

Does Debt Consolidation Have Risks?

What Happens If You Avoid Getting Served Court Papers?

Does Student Debt Die With You?

Can Debt Collectors Call You at Work in Texas?

How Much Do You Have to Be in Debt to File for Chapter 7?

What Is the Statute of Limitations on Debt in Washington?

How Long Does a Judgment Last?

Can Private Disability Payments Be Garnished?

Can Debt Collectors Call From Local Numbers?

Does the Fair Credit Reporting Act Work in Florida?

The Truth: Should You Never Pay a Debt Collection Agency?

Should You Communicate with a Debt Collector in Writing or by Telephone?

Do I Need a Debt Negotiator?

What Happens After a Motion for Default Is Filed?

Can a Process Server Leave a Summons Taped to My Door?

Learn More With These Additional Resources:

Need help managing your finances? Check out these resources.

How to Make a Debt Validation Letter - The Ultimate Guide

How to Make a Motion to Compel Arbitration Without an Attorney

How to Stop Wage Garnishment — Everything You Need to Know

How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)

Defending Yourself in Court Against a Debt Collector

Tips on you can to file an FDCPA lawsuit against a debt collection agency

Advice on how to answer a summons for debt collection.

Effective strategies for how to get back on track after a debt lawsuit

New Hampshire Statute of Limitations on Debt

Sample Cease and Desist Letter Against Debt Collectors

The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah

West Virginia Statute of Limitations on Debt

What debt collectors cannot do — FDCPA explained

Defending Yourself in Court Against Debt Collector

How to Liquidate Debt

Arkansas Statute of Limitations on Debt

Youre Drowning in Debt — Heres How to Swim

Help! Im Being Sued by My Debt Collector

How to Make a Motion to Vacate Judgment

How to Answer Summons for Debt Collection in Vermont

North Dakota Statute of Limitations on Debt

ClearPoint Debt Management Review

Indiana Statute of Limitations on Debt

Oregon Eviction Laws - What They Say

CuraDebt Debt Settlement Review

How to Write a Re-Aging Debt Letter

How to Appear in Court by Phone

How to Use the Doctrine of Unclean Hands

Debt Consolidation in Eugene, Oregon

Summoned to Court for Medical Bills? What to Do Next

How to Make a Debt Settlement Agreement

Received a 3-Day Eviction Notice? Heres What to Do

How to Answer a Lawsuit for Debt Collection

Tips for Leaving the Country With Unpaid Credit Card Debt

Kansas Statute of Limitations on Debt Collection

How to File in Small Claims Court in Iowa

How to File a Civil Answer in Kings County Supreme Court

Roseland Associates Debt Consolidation Review

How to Stop a Garnishment

Debt Eraser Review

Do Debt Collectors Ever Give Up?

Can They Garnish Your Wages for Credit Card Debt?

How Often Do Credit Card Companies Sue for Non-Payment?

How Long Does a Judgement Last?

​​How Long Before a Creditor Can Garnish Wages?

How to Beat a Bill Collector in Court