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How to Settle a Convergent Outsourcing Lawsuit

George Simons | January 22, 2025

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

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 owe. If you’ve already been sued by Convergent Outsourcing, responding to the case will increase your chances of getting a settlement deal outside of court. Solo 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 United States, and it has been 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.

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You can negotiate debt settlement at any stage of the collections process. SoloSettle makes it easy.

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What is Convergent Outsourcing?

Convergent Outsourcing is a third-party debt collection agency that has been in business for over 74 years. Its headquarters is in Renton, Washington, and has multiple branches in cities such as Atlanta, Houston, Peoria, Glendale, and Wixom. 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.

Who does Convergent Outsourcing collect for?

As a third-party debt collection company, Convergent Outsourcing collects for businesses that have a direct relationship with consumers. They come in to follow up on their clients' debt after a certain period, usually 3-6 months, has passed and the debtor has not made the payments. Examples of companies they collect for include:

  • Telecommunications agencies
  • Utilities
  • Banks
  • Cable companies
  • Financial service providers

So, when you see Convergent Outsourcing on your credit report, it means that you have a pending debt with an original creditor who doesn't want to collect directly from you but has partnered with Convergent. Let's look at what consumers say about them.

Read Convergent Outsourcing reviews online

Consumer reviews can give you a mixed feeling of how a company operates. The underlying principle to understand as you communicate with Convergent Outsourcing agents is that their business model relies on collecting their client’s money. That said, they also know that you may be going through a difficult financial period and are open to discussing other manageable ways to pay the debt or assist you create a new payment plan. Here are some online platforms to have a feel of what consumers say about them:

Now that you know who Convergent Outsourcing is and what consumers say about them, here’s what to do after you receive a collection notice.

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 upsets you or provokes your anxiety, don’t ignore it — plan to respond. Your first step is to require Convergent Outsourcing to validate the debt against you.

Debt validation requires Convergent Outsourcing to prove that the obligation 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 was 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, further collection activity will need to be stopped.

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 upfront, 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.


Know your Consumer rights under the FDCPA

The Fair Debt Collection Practices Act (FDCPA) establishes the consumers’ rights when dealing with debt collectors. The state and federal government monitors them to ensure they stay within the provisions. Examples of laws debt collectors should not be violating 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.

Make a detailed note any time a debt collector violates the law. You can use this as a defense if you ever get sued by a debt collector, and you may even be eligible for compensation as outlined in the FDCPA. Learn more about your FDCPA rights from this FDCPA Violations List.

Ensure Convergent Outsourcing fully validates the debt

Convergent Outsourcing is one of many debt collectors that purchase old debts at low prices and 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.

Settle your debt with Convergent Outsourcing

Is Convergent Outsourcing suing you for unpaid debt? If so, you can stil settle your debt with them and put an end to the lawsuit. To initiate settlement, take the following steps.

  1. Evaluate your income. Take a close look at your personal finances to determine how much you can afford to offer Convergent Outsourcing as a lump sum payment. Paying the entire settlement amount at one time will often get you the best settlement deal as the debt collector isn’t taking the risk of you defaulting on payments.
  2. Make an offer. This offer officially starts the debt settlement process. As part of your offer, explain how much you can pay and when you can make the payment. Be prepared for a counteroffer and continued negotiations.
  3. Get the agreement in writing. Once you and Convergent have agreed on a settlement amount, you need that in writing with a settlement agreement signed by both parties.
  4. Make the payment on time, as outlined in your agreement. Send the payment to Convergent Outsourcing. If they’ve filed a lawsuit against you, make sure you receive a Motion to Dismiss or other formal notification that the lawsuit has been dropped.

Negotiate with Convergent Outsourcing.

Watch this video to learn more about these steps and for more tips on how to settle your debt with Convergent Outsourcing:

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Make an Offer

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