Who is Convergent Outsourcing?
Convergent Outsourcing, Inc., formerly ER Solutions, is a debt collection agency located in Renton, Washington. Their role involves collecting debts from individuals who have defaulted on their payments.
If you see Convergent Outsourcing on your credit report, it typically means that you have an unpaid bill that has been handed over to them for collection.
Who does Convergent Outsourcing collect for?
Convergent Outsourcing is one of the largest debt buyers in the United States, serving a wide range of clients. They manage the collection of debts for financial institutions such as Credit One Bank and PayPal, telecommunication giants like Sprint and Verizon, as well as healthcare providers for medical debts.
Is Convergent Outsourcing legit or a scam?
Convergent Outsourcing is a legitimate debt collection company. They’ve been in business since 1950, and they are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove Convergent Outsourcing from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Convergent Outsourcing, Inc. Contact Information
Address:
Convergent Outsourcing, Inc.
800 SW 39th St Suite #100
Renton, WA 98057-4975
Phone number: (800) 444-8485
Should I contact or pay Convergent Outsourcing?
It’s best to avoid speaking to a debt collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it.
The most effective way to deal with Convergent Outsourcing is to work with a credit repair professional. They help remove millions of negative items every year from companies like Convergent Outsourcing on behalf of their clients.
Will Convergent Outsourcing sue me or garnish my wages?
It’s possible for Convergent Outsourcing to sue you if you fail to repay a debt. If the lawsuit is successful and they obtain a court judgment against you, they might be able to garnish your wages or take other measures to recover the debt. This depends on the specific laws of your state.
Convergent Outsourcing, Inc. Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassing phone calls, or failure to verify a debt. If you find yourself facing any of these situations with Convergent Outsourcing, you should also consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Convergent Outsourcing, Inc.
Debt collectors must follow state and federal laws. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that debt collection agencies don’t take advantage of you. In particular:
- It is a violation of federal law for Convergent Outsourcing to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send Convergent Outsourcing a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
- Convergent Outsourcing cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Convergent Outsourcing must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- Convergent Outsourcing cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Convergent Outsourcing From Your Credit Report Today!
Credit Saint offers assistance with disputing Convergent Outsourcing collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
