If you hear from a company called Convergent Outsourcing Inc, it means they are pursuing you for an unpaid debt.
We’ve all forgotten to pay a bill or been in the situation where the funds just aren’t there–especially during the current COVID-19 pandemic.
Unfortunately, if the bill remains unpaid, the original creditor will consult a third-party debt collection agency to pursue the debt.
Que the repeated phone calls and emails from a collection company.
Besides their ploy to annoy and be aggressive, debt collectors like Convergent Outsourcing can have a major impact on your credit score.
The best way to prevent the effects of your old debts on your future finances is to remove the collection entry altogether.
What is Convergent Outsourcing?
Convergent Outsourcing, formerly ER Solutions, is a United States-based debt collector.
Founded in 1950, they are currently headquartered in Renton, Washington.
With over 1,200 employees stationed in call centers in cities like Atlanta, Georgia, they are one of the largest debt collectors in the country.
They collect on behalf of a variety of industries such as:
- health care
- telecommunications such as Sprint or T-Mobile
- financial institutions
- government agencies
- utility providers
…and many more.
Convergent Outsourcing, like most debt collectors, has a strained relationship with its customers.
They have received many complaints against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB.org).
The majority of the complaints lodged against them are in regard to:
- failure to respond to debt validation requests
- inaccurate reporting
…which is in direct violation of the FDCPA mandated by the FTC.
The bottom line, though incredibly annoying, they are a legitimate business and not a scam.
If you are overwhelmed by dealing with negative entries on your credit report,
we suggest you ask a professional credit repair company for help.
Steps to Remove Convergent Outsourcing from Your Credit Report
It isn’t always easy to remove a collection account from your credit. But it is possible if you take the proper steps.
Know Your Rights
Debt collectors coerce payments out of you in any way that they can. This is how they make their money.
This often means through constant collection calls, profane language, threats of lawsuits, and other forms of harassment like those pesky collection letters.
After all, you are more likely to pay if you are desperate to get rid of them.
Most people that are contacted by a debt collector don’t realize that there is federal legislation that protects them from abuse like this.
This legislation is called the Fair Debt Collection Practices Act.
The Fair Debt Collection Practices Act, or FDCPA, is a piece of federal legislation that prevents debt collectors from harassing customers to pay.
FDCPA PROTECTS YOU AGAINST
The law protects you against specific forms of harassment such as:
- Calls before 8 a.m. or after 9 p.m.
- Use of profane or abusive language
- Calls after you have told them to stop
- Misrepresent themselves or information about the debt
- Attempt to collect a debt passed the statute of limitations
- Report false information about the debt
- Contact you at work or at a time you have told them is inconvenient
- Contact friends, family, or coworkers regarding your debt
- Call after you have requested contact through U.S. Mail
While Convergent Outsourcing claims to train its representatives about proper FDCPA compliance, it is entirely possible that a representative may commit an infraction.
Because of this possible loophole, it is important to understand your rights no matter who you have to deal with.
You can prevent Convergent Outsourcing from walking all over you by familiarizing yourself with your rights under the FDCPA.
Arm yourself with this knowledge so you can enter talks with them or another debt collector with certainty and confidence.
Request a Goodwill Deletion
If you’ve already paid the debt, there’s still a chance the collection can be deleted from your credit report.
You can ask Convergent Outsourcing for a goodwill deletion.
Request this on the grounds that the debt is paid, and you’re currently in good standing with the original creditor.
Essentially a goodwill deletion is when the debt collector agrees to stop reporting the debt out of goodwill.
Collection companies are typically only willing to do this if the debt has already been paid, and you haven’t had any late payments since then.
If this describes your current situation, you may luck out if you ask Convergent Outsourcing for a goodwill deletion.
To start, write a letter to Convergent Outsourcing and request a goodwill deletion.
The letter should explain the reason for your late payment and why you would like the entry removed.
Reasons can be anything from a new baby on the way to wanting to apply for a mortgage.
Whatever the reason, make sure to be sincere and friendly in your letter.
If you try to demand a deletion with indignation, Convergent Outsourcing will likely not accept your request.
Validate the Debt
If you are unable to secure a goodwill deletion, the next step is to request debt validation from Convergent Outsourcing.
This can identify if there is any inaccurate reporting on your debt, and you may be able to get the entry deleted that way.
The debt collection process is not perfect.
When the debt is transferred from the original creditor to the debt collector, information can get lost or misconstrued.
This means that Convergent Outsourcing may have incorrect information about your debt.
In some cases, the debt may not even belong to you, to begin with.
That is why it is important to request debt verification as soon as possible.
Under the FDCPA, you have the right to request that Convergent Outsourcing verify the information on the debt. You can do this by writing a debt validation letter.
HOW TO REQUEST DEBT VALIDATION
This is a letter that asks Convergent Outsourcing to confirm certain information about the debt, such as:
- amount owed
- current creditor
- original date of debt acquisition
I have a debt validation letter template to help you get started on a letter of your own. I recommend you send it certified mail, leaving a proven paper trail.
NEVER agree to anything over the phone with a debt collection agency.
If push comes to shove and legal action is needed, it will be your word against theirs.
Keep the proof of your debt validation letter via certified mail. Collections companies are forced to follow the rules laid out in those important acts we discussed earlier.
Once Convergent Outsourcing returns with this information, be sure to review it carefully and note any inaccuracies.
If you find information that doesn’t add up to what you have, you can file a dispute with the three major credit bureaus.
If they agree that the entry is inaccurate, they will remove the entry from your credit report.
Make a Pay-For-Delete Agreement
If you are unable to get the debt entry removed due to inaccuracies, your next step is to negotiate a pay for delete settlement.
A pay-for-delete settlement is exactly what it sounds like:
- You pay Convergent Outsourcing for the debt
- In exchange for deletion on your credit report
These types of agreements are rare, but some debt collectors are willing to grant you them if they are desperate for your payment.
Start by offering to pay Convergent Outsourcing half of the total amount owed and negotiate from there.
Once you reach an agreement with them, make sure that you get the terms sent to you in writing (through certified mail.)
Make your first payment to Convergent Outsourcing only after you receive the written terms from them regarding your agreement.
After you make your first payment on the debt, wait 30 days, and check your credit report.
You should find that Convergent Outsourcing’s entry is no longer there, in which case you continue to make payments until the debt is paid.
If you still see Convergent Outsourcing listed on your credit report, reach out to them, and remind them of their agreement.
Let them know that you will not be making another payment until their entry is removed from your report.
Dealing with Convergent Outsourcing
Undoubtedly, Convergent Outsourcing is a tough egg to crack.
You may find that even after following all of the above steps, they still will not budge.
However, if this is the case, your best bet is to contact a professional credit repair company to see if they can remove the entry themselves.
Because credit repair companies remove negative marks from credit reports by communicating with the debt collector on your behalf.
They often have more success because of their industry knowledge and negotiating tactics.
They have had tremendous success with Convergent Outsourcing over the years.
Improving your credit takes time, but it is certainly worth it.
Be sure to check out some of our popular articles for more information. We offer tips on how to improve your credit and reach your financial goals.
Convergent Outsourcing Contact Information
Here is their contact information:
- Address: 800 SW 39th Street, Suite 100 Renton, WA 98057
- Phone Number: (425) 643-3111
- Website: http://www.convergentusa.com
As a general disclaimer, the information in this article should not substitute for legal advice. Please seek out a law firm to gain any and all legal advice when dealing with collections lawsuits or anything else of that nature.