Should you pay Convergent Outsourcing collecting old unpaid debts?
Hello, I have a question on a debt that has transferred several times. The original creditor was Beneficial Co. It went to collection and had since passed through at least 3 collectors, the latest being Convergent. I have never received any written correspondence from Convergent, only phone calls.
The collector before them was Jefferson Capital. The last written correspondence from Jefferson was in the form of a settlement offer that was still very much beyond my ability to pay. The date of offer was Jan 2014. I did not respond. But I looked at the back of the offer and noticed that it said that because of the debt's age, it was time-barred against legal actions. It also said that any payment would not restart the aging. And, that if said debt was transferred to a new owner that they would be required in writing to do the same.
At this point what are my best options?
How should I handle a time-barred debt Convergent is trying to collect?
—CC
Convergent Outsourcing is a large debt collector with offices in several cities in the US and in Central America. They are more diverse with the types of debts they collect than most collection agencies.
Not all debts are created equal, and it takes familiarity to train and set up collection call centers with focuses on unpaid credit cards, signature loans (like your was with Beneficial), medical bills, and commercial debts.
Convergent also collects on partial or full zombie debt, as evidenced by your account being time barred.
Partial Zombie Debt – An unpaid bill that has passed the statue in your state that limits how long a legitimate lawsuit can be filed to collect through the courts.
Fully Dead Debt – An unpaid bill that is time barred, and also is too old to remain as a collection account on your credit reports.
Options for Resolving Debts with Convergent
Not everyone being contacted by convergent will be dealing with as old a debt as you are. And we all have different goals, which would suggest resolving an old bill works best for one; while waiting for collections to drop off your credit report is best for another; and where telling a debt collector to cease all communications, or requesting debt validation, may be ideal for you. Hang with me here, while I cover all of those.
As with most unsecured debts that are outsourced to a debt collector, you can negotiate a reduced lump sum settlement with Convergent. The older the account is that Convergent is collecting, the lower my negotiation targets would be on a percentage basis. It also can matter who Convergent is collecting for. In your case, they may be collecting for Jefferson Capital still, or new debt owner.
If I were negotiating your debt today, I would target less than 30 percent, and only if my goal was to have the account updated as zero balance owed on my credit report. That is because I know they cannot sue to collect in my state, but with it still on my credit (if it is), I can accomplish some finance goal I have, like getting a mortgage. If the debt is full zombie, I would not negotiate any pay off with Convergent, no matter the offer. Not unless my purpose for doing so were personal, like a sense of obligation, which is fine. I would still aim low, as the current debt owner would have paid little to purchase the legal rights to collect on your debt.
I would not be looking for options to set up payments with Convergent.
Any arrangement I were to make, I would want to get in writing.
Convergent and Debt Validation or Cease Communication
I use debt validation requests sparingly. They are a bit over hyped on the internet when it comes to dealing with accounts in collection. But there are times where validation requests are critical to understanding who you may owe, how much, and whether the collection agency trying to get you to pay is even the correct party.
There are reasons to use debt validation as stall tactic to meet a different goal, and it also can have the affect of telling a debt collector to go away. The reasons are:
- If a debt collector needs to get more details from the debt owner so that they can meet their obligation to validate, it could take a while, and in some instances, they never can. You can buy time to gather funds to settle with a lump sum, or more time to pass your states SOL.
- By sending the validation request, you have indicated to a debt collector that you are interested in protecting your rights. That can also often mean you have now willingness or ability to pay. Collectors would rather spend their time trying to collect from people that have both of those qualities. They now know you are not an easy fit into either.
Finally, as far as your situation goes, if Convergent, or the debt owner that hired them, is not on your credit reports due to the original account dropping off from age, you can send the cease communication letter.
I do not recommend sending a cease communication notice to debt collectors unless you are certain the debt is passed your state SOL and time barred. The reason is that it effectively shuts down any form of communication. Convergent cannot call or write. That leaves collection through the courts as the only option to seek payment from you, which you can disregard because of how long it has been.
And I caution sending this type of bug off letter if the account is still on your credit reports, and when you may have financing goals you want to accomplish before it drops off your credit. Unpaid bills on your credit can hold up the ability to get a home loan.
If you do send a letter to a collection agency, validation, bug off, or otherwise, always use certified mail return receipt requested. And keep a copy of the letters and green cards you get back for your records.
You are welcome to post in the comments below for any clarity or feedback. Anyone with questions or concerns when dealing with Convergent Outsourcing, or their many affiliated companies, is welcome to post in the comments below for response.
About Michael BoveeMichael started CRN in 2004 with a mission to provide people in need with detailed debt and credit help and education. Michael has participated as an expert panelist in federal consumer protection rule making, collaborated on state law changes governing debt consolidation, has worked as an expert witness in court matters related to the debt relief industry. He is available to speak with you about your financial struggle and helps people resolve their debt problems daily.
Hi Michael,
I recently received an update on Credit Karma stating Convergent collection on behalf of T-mobile. I am aware of the debt, however its about $150 more than the original debt from 2011. So far it looks alike its only on Equifax. What can i do to totally remove it? is a PFD feasible with this company?
Thank you and God bless for you helping all of us!
I do not see many pay for deletes succeed that are not medical or utility bill related. Are you looking to pay the full amount owed, or trying to negotiate a lower payoff amount? Are there other collection items on your credit besides Convergent?
Michael,
Thank you for answering our questions for those of us trying to get our credit in better shape.
After ruining my credit when I was just starting college, I started using cash. 22 years later and my credit finally fixed itself, albiet I’m on the road to actually getting better credit.
I used Credit Karma and Convergent is reporting an $113 Comcast bill to Transunion with an open date of March 2014. However the Comcast account was closed over 20 years. I’ve disputed it with Transunion however if it’s not resolved then my option would be a ‘validation of debt’ to Convergent via a registered letter? Since I live in Florida, am I required to include any other addional information?
Thanks again for helping us out.
I would skip all that and file a credit reporting complaint against Convergent and TransUnion with the CFPB.
can u recommend a good undeceptive credit reporting agency? i have no idea what my credit report says as i have never pulled it before or cared about it, foolishly albeit. i recently had to get a cosigner on a newly leased vehicle and am thinking of starting my own business in 2016. ive been turned down by credit cards and my banker suggested freecreditreport.com which is experion-owned. ive read bad reviews about them. is credit karma a better co or which do you recommend? i also have an unpaid debt fr sprint being collected by convergent and would like to see if its still on my credit report. i dont know what yr the original debt occured in and also dont know what ohio’s sol is
The three major credit reporting agencies are Experian, Equifax, and TransUnion. You can get your credit reports free every 12 months from these three bureau’s at http://www.annualcreditreport.com. I recommend pulling one of the three every 4 months so that you have a 4 month rotating view of your credit.
Credit Karma and other free report providers are not as accurate and can be on an information delay.
If I were to use a paid version of getting my credit reports I would use any of the services available by the 3 majors. Some people find one easier to read than the others.
Post an update if you find Convergent on your credit report.
Convergent outsourcing has a collection account from a sprint account from 2010. The amount seems to be higher than what a typical phone bill would have been. I need to get a resolution from them as I am seeking new employment. The balance is showing 700.00…..
Based on it being from 2010 and the balance being $700.00 what do you think a fair offer would be to get the collection account closed with them?
Thank you
What state are you in? If the SOL to collect legitimately through the courts has expired I would target 30% or less. WHen you are negotiating with Convergent do not let on about your credit reporting needs or any other tip off that would suggest to them to hold out for more money.
Michael,
I have a credit card judgement I have 14 days to reply to a show cause for revival of judgement I was served tonight . The collection which had the original judgement has sold the judgement to Jefferson capital the judgement will expire or would have expired may of 2016. Jefferson capital is willing to settle or let me make payments .The judgement amount was $1,394. 5 yrs ago I think I have pd $200. maybe the amount now including interest ,etc is$3,835 this wS a $300 credit limit card I do understand that interest is occurring and if I was in a pymt plan the interest stops .? my question is IS THEIR IS NO Way to not pay and is it OK to try to make arrangements . I DO OWN MY HOME ONLY INCOME IS ssdi which I do not like to disclose ,been since 1997 . what kind of cause do I have to show… I do owe the debt .just 2500 $ in interest; s ridiculous .but I signed the credit card agreement.
advice please !!
[edit: removed phone number and address]
I would be highly motivated to settle the judgment for the lowest pay off amount possible. With your limited income being from an exempt source like social security, you can often negotiate a good settlement with Jefferson Capital.
That would be my preference over a payment plan, but raising the money you need is not always withing reach. Can you pull together $1,300 or so? How long would it take?
Received a letter today from Convergent Outsourcing, Inc. claiming I owe their client, Paypal Inc., $511.19 for a past due balance. I have a couple of problems with this. First, they miss-spelled my last name. Second, my paypal account is in good standing. I opened it in 2006, and used it last in 2009. All were purchases from eBay. I have checked, and there have been no transactions since my last one in 2009.
I did some checking online and it appears I’m not the only one to get this letter. Should I just ignore this as one of their scams?
I would contact PayPal directly and make sure there is nothing behind what you can see when logged in to your accounts.
I would also send a written dispute letter to Convergent outlining your concerns and that you think the debt is not valid. Send certified mail and keep a copy of everything.
Is PayPal or Convergent Outsourcing appearing on your credit reports?
I received a Settlement Offer from Convergent Outsourcing dated 9/15/2015 Current Owner: Midland Funding, LLC, Original Creditor: HSBC. Total Balance: $1649.01 Settlement in Full: $824.51. The bottom part can be detached and sent in with my payment or I can fill in my CC information (no way!) They also offer 2 other settlement options – 70% over 3 months and full payment spread out over 12 months. I’ll try to be brief but this is complicated. I was having problems back in 2005 paying 3 accounts that totaled around $3000 because I lost my job so I contacted the companies to negotiate lower payments but was unable to get HSBC to do this probably because I wasn’t aware of the proper process to follow ie: speak to a supervisor etc. So I just stopped paying completely because I could no longer afford the minimum payment after I finally did get a job. So my last payment to HSBC was in the summer of 2005. Sometime in 2007 or maybe 2008 I got something about arbitration and since I was going thru a lot of personal things at the time I freaked out and decided to ignore it. I never heard another thing about it. In the years since, I have seen this debt drop off of my credit report (2012 or 2013). My credit report hasn’t been an issue for me in the past 10 years because I have been living debt free and didn’t plan to use credit but I have recently decided I want to purchase a small inexpensive home to pay off before I retire in 10 years at the age of 70 so I won’t have rent or mortgage to deal with once I’m too old to work. I’ll be lucky if I can actually survive on what I will be bringing in at that time as is. This seems to be old debt past the SOL in Nevada where I live but I have finally got my credit score up over 750 from not even having a score at all a few years ago due to no history on my report so I am mostly concerned about my credit in this matter. I have finally been able to save money and have a few thousand so yes I could send them the total settlement but I’d rather not and I wonder what you would recommend. The offer gives me 45 days to settle but on the back it mentions “unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will ASSUME THE DEBT IS VALID…” The all caps emphasis is mine not theirs and I’m sure you understand why. There is more if you’re interested. I’ve made lots of mistakes in my life and I’m just trying to do the right thing for myself and my future. Sorry if the length of this has turned you off but I’m desperate for advice and I really hope you can help me. I’d love to talk to you on the phone if possible but at this point I’ll take what I can get. Thank you
You can always call for a consult Vicky. That is why I publish the hot line number on the site. Call 800-939-8357, and choose option 2 to connect with me.
You may not have to do anything with this account, but if there was an arbitration award all those years back that was filed as a judgment with your local court, that could change my thoughts on this.
Have you lived in the same county all this time? Look in your county courts records and see if anything turns up under your name related to this.
I forgot to mention that on the back of the “offer” along with the part that tells me I have 30 days to notify the office that I dispute the validity of the debt it also says that they will obtain verification of the debt or obtain a copy of a judgment and mail me a copy of such. Then there is a blank space followed by “The law limits how long you can be sued on a debt. Because of the age of your debt, our client will not sue you for it”.
I want to thank you for the assistance you gave me on the phone today but I had forgotten to tell you about that part and want you to know about it in case that makes a difference. I hope to hear back from you again but in the meantime I am typing up the letter to have it ready to send day after tomorrow because I have to be out of town tomorrow for a Dr appointment and won’t be back in time to get it sent off until the next day.
Vicky
Sounds good Vicky. That information does not change my opinion of the situation. That can be catchall language to cover their butt. I see that statement on collection notices when there is a known judgment and case number on the actual letter that also contains that disclosure.
I would still progress in the way we talked about on the phone.
Hello. My daughter was living out of state with a boyfriend. Daughter moved back and the boyfriend stayed. My name ended up on the gas bill. This was after my daughter returned. Long story short, he didn’t pay the gas bill. Back in 2010 is when this happened.
I rec’d collection letter and about fell off my chair as I’ve always had great credit.
In a panic I paid the account (after calling the gas company to verify the debt). That was 3 years ago. Low and behold 2 weeks ago I receive a letter from Convergent on the same gas bill.
Unfortunately, I did not save any records from paying the debt 3 years ago. I’ve tried to find the payment in my checking account and asked for copies of my statements from my credit card company but haven’t rec’d anything yet.
I’m planning to call the gas company to see if I actually do owe them anything. 3 years ago I called them after I paid the collection and verified hat my name was off of the bill. They verified that yes, my name was removed. so this can’t be new debt.
After researching Convergent online I’m finding many negative reviews along with many BBB complaints.
Do I pay these fools just to get rid of them? I do not like having my credit messed with.
Any advice is greatly appreciated.
I would probably send a written dispute to Convergent, not waiting to see if you are able to document that payment (in case it takes more than 30 days to here back from your bank).
The he said she said part could come down to the gas company telling you that you were taken off the account but then weren’t. This could also be a case of the gas company passing along account information and yours being included. Perhaps Convergent Outsourcing is unable to get in contact with the correct person and is just erroneously trying to collect from you.
Post an update with what the gas company says they have in their records.
Hi Michael,
From one of your responses earlier, it sounds like I merely need to send the cease letter.
I am about 14 years out of some cc trouble from a bad business partner. I have nothing on my credit reports.
I want to verify that they can’t re-do the credit report or use the false refreshing of a debt by passing it along. I also want to verify with you that I have no need to make them verify anything.
If it’s the cease letter, do you recommend any specific version that you can link to? or
I took a copy from cfpb of their cease letter. But I can’t tell if I’m supposed to keep the last paragraph or not:
I am responding to your contact about a debt you are attempting to collect. You contacted me by [phone/mail], on [date]. You identified the debt as [any information they gave you about the debt].
Please stop all communication with me and with this address about this debt.
Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit bureau (or have already done so), also report that the debt is disputed.
I thought I left this entire situation behind in 2009, I’ve now had to spend a day off work trying to re educate myself from scratch again. Very frustrating!
Thanks for your advice in advance, it’s appreciated!
You could delete the CFPB last paragraph, or keep it if you like. The main thing is the demand that communication cease. Save a copy and send it certified.
If anything pops up on your credit post an update and we can go from there.
In this instance, I prefer to be told exactly what to do…but the basic answer is send anything. Or in another light, it doesn’t matter if I sent them anything at all as they are sending false threats to prey on the ignorant.
Thank you for your help.
My husband has a bill with the electric company we live in ct. The original price is 359.29 convergent says they can settle it for 75% of the total balance to make it 269.47. We got this by letter. They gave us a login in temp # that wont work because of some security reason and we have called them n they tell us to leave a message along with when my husband calls they ask if it is someone else on the recording. He has had that number for over a yr now. I see all these other questions n it makes me question if this is even a safe debt collector to use. Plz help right now we are living “off the grid” because we cant afford to pay the whole amount
You can verify who is collecting for the poser company by calling them to confirm. You may want to check to be sure that you can get the power turned back on if you are not paying the prior bill off in full.
Convergent regularly collects on utility bills.
I have a couple inquires, first exactly how long does it take for something to drop off my credit report, I am under the impression it is 7 yrs, but as I review it there are some that are still on there that have passed SOL, what can I do about this ? Also some of them are double, because they were CO and purchased by another lender. Does this renew the original debt, because the drop off dates are different as well as the date opened?
Generally speaking, collection accounts stay on your credit reports for up to 7 and one half years from the date you stopped paying. Those accounts accounts cannot be legitimately refreshed or renewed to cause a longer reporting time.
The dual collections/negative entry is standard and unfortunate. But both entries should drop at the same time,and only one can report an actual balance due an owing.
I don’t believe my last comment posted. Basically they called me yesterday after calling several times during work and not leaving me a message. I finally picked up and the lady said that she is calling on behalf of my electric company that I cancelled with last month looking for my last 2 bills of $340. I was planning on paying this very soon. I asked if I could handle this problem with my electric company and she said I was not able to but it seemed as though she was lying for some reason. So I called my electric company and asked if I could just pay them online like I usually do and they said that is perfectly fine. My question is, if I pay the bill directly to the electric company will Convergent be notified? Or will they keep calling looking for a collection/ do I owe my bill to them now or can I still just pay the electric company?
If it were me I would just pay my electric company like you had planned on doing.
Convergent Outsourcing may still try to contact you to collect until the bill is fully paid. Once fully paid they should stop. If they don’t, post an update and lets go from there.
Convergent has a collection on me from a mobile phone service- they are reporting date of last activity and the collection date as March of 2015, however the debt first went into collections around 2009! I’m thinking this can’t be legal! How do I get them to report the proper dates, therefore solidifying that the collection is removed in a timely fashion?!
You can send a credit reporting dispute to the credit bureaus requesting the collection account Convergent is reporting be corrected. Send any dispute in writing via certified mail. Keep a copy of all for your records.
If it does not get corrected post an update and lets go from there.
Michael,
I recently just agreed to settle a student loan debt with Convergent. But I am trying to call them back and of course, no one is picking up my calls. I am panicking and thinking whether or not I should tell my bank to cease all activity so that they won’t be able to. I settled for $5000 when my debt was $11,000. The loan is from 2004 and in 2014,i filed for ch. 7 bankruptcy. Should I or should I not call my bank?
Call me to talk about why you are suddenly so concerned at 800-939-8357 and choose option 2. Be sure to leave a message if you get voicemail. I will return your call shortly after as long as it is before 7 pm pacific.
I have a similar problem with agreeing to pay a reduced sum to convergent monthly. Unfortunately, I didn’t know much about this agency before the agreement over-the-phone. I allowed automatic payments from my checking account and cannot figure out how I can cancel the next recurring payments (2 pagments remaining due end of each month.) . Should I call my bank to cease future payments? Any guidance from here is appreciated.
Can you offer more details about your situation Julie? What type of account did you agree to pay? How old was the debt before you agreed to pay anything to Convergent Outsourcing? How much have you paid to date?
Michael, saw some great questions and great responses by you, hoping to hear what you think of my situation. I have been working on my credit now for 3 years and have gone from low 400’s to now over 700.
I just got a call a few minutes ago from Convergent Outsourcing for a TV I bought back when I was in college in 2004 at BestBuy, it is now 2015 ( purchased the TV in Massachusetts though and their SOL is 6 years).. It’s not on my credit report, and the statute in PA where I live is 4 years. Can they still try and sue for the money?
They could not sue legitimately. If they do (which I doubt will happen), your answer to the complaint will still need to be filed timely. Your defense is short and concise… the debt is passed the SOL.
I received a letter from Convergent about an incident where my husband hit a light pole in my car and because I did not have car insurance, the light company sent us both a bill. This was 4+ years ago, and it has affected my ability to get a license because it has not been paid. The amount is over $4,000 and Convergent refuses to let me pay a down payment under $1600. This is a problem because I need to get my license, however, I don’t have the money to pay for it. What should I do? Should I keep trying to negotiate a lower amount? Or will it fall off my credit/history and allow me to get my license?
I would check with your state drivers licensing department and learn more about what you must do in order to renew your license.
I am trying to make a payment to convergent regarding a past due account. They agreed to set up a payment plan for six months. However they want my checking account number and routing number. I feel very uneasy about giving them this information. I would much prefer to send payments either by mail or credit card. Do I have this option? Also, should I get the payment plsn afagreement in writing?
Thanks for your help!
Are the six monthly payments Convergent would agree to going to pay the full balance of the debt, or are you negotiating a lower pay off than what is owed, and stretching that out over time?
I highly recommend getting everything you agree to with a debt collector in writing.
Rather than use your household checking account, I tend to encourage using a different bank account to pay debt collectors. If this is the only account you have in collections, it may be okay to use your regular account as long as you have the agreement in writing first.
You can call Convergent and ask them about mailing in payments, or if they have a merchant account to process credit card payments. Some debt collectors have set up web payment portals that make remitting payments pretty simple.
Michael,
Thanks for your answer. To answer your questions:
Yes the 6 payments would pay off the total balance. There would be no reduction in the account balance.
I asked about getting something in writing even an email) but was told they couldn’t do that but I could get a copy of the recording.
They said that they charge a fee for credit card payments (I think it was a relatively small fee.)
By the way, they said that the checking account info to start withdrawing the payments had to begiven to them by today. I’m not sure what the rush is.
The rush is a false sense of emergency or fear of loss. It is a collection tactic. Convergent is still going to want your money tomorrow….
In lieu of a letter outlining your agreement, I would record the phone call yourself, and tell them you are and why. Be sure to write down or speak to the date, time of day, and the person you spoke to. If anything goes wrong, which is actually not all that often, you will be able get things corrected in short order.
Dear Mr. Bovee,
I received a collection letter from Convergent collection agency saying I owe the utility company over $600, but the debt is over 12 years old. I have never paid on it, and the debt has never been on my credit report that I know of (but I could be wrong, and if it was, it fell off). It does state on the back of the letter that Convergent cannot sue, but it says that if I don’t notify the office within 30 days after receiving this notice that they will assume the debt is valid. Is that grounds for them to put it on my credit report if I don’t notify them? I do have financial goals. I am in the process of cleaning up my credit and do not want this to go on my credit report. Can they put it on my credit report after so long of time for the debt? Or are they just trying to get money from this “zombie debt”? I am confused on how to handle it…should I notify them and tell them it is a dead debt or should I just send a certified cease letter? But the main goal is to not have this on my credit report! Thanks for you help!
Convergent cannot put it back on your credit report once the account has dropped off due to age.
If it were me, I would send the cease communication letter certified mail. Be sure to use the return receipt option through USPS too, and keep a copy of your letter and the green return card you get back. Those could come in handy if Convergent contacts you again about collecting this same account.
That 30 day notice to dispute the debt as valid is something Convergent Outsourcing, and nearly all debt collectors for that matter, place on collection notices for compliance purposes.
Thank you so much for the quick response! I think that is a great idea. So once I do the cease letter, then that’s it? They have no recourse?
I went on the FTC website and read about time barred debts, they recommended contacting the agency and asking them to verify the debt and the date. Just asking them if the debt is out of the time limit and said that if they didn’t answer, asking them when was the last payment on the account. Then getting the debt verified.
Your answer is a lot simpler, so you don’t recommend me getting the debt verified? That way I have solid proof of the stature of limitations from their own mouth. Thanks again.
With a debt this old it is more likely you will hear nothing from them in response to your debt validation request. That is essentially the same result, so either would be effective options.
Hello! I’ve received a letter from Convergent regarding, their client, “Jefferson Capital Systems, LLC” and it notes as the “Debt Description” — “Wells Fargo Bank Checking”. I do not, nor have I ever had an account with Wells Fargo. In addition the letter also states, “The law limits how long you can be sued on a debt, and your debt is beyond that limitation.”
I’m unsure how to proceed. This is not my debt, as I’ve never done business with Wells Fargo. Any suggestions? I live in Nevada btw.
If it were me, and the debt Convergent is trying to collect on is obviously not mine, I would tell them that, but in letter form sent certified mail return receipt requested. You could include that you are requesting they cease any and all communication with you as well.
If they try to contact you about the debt after that, post an update and lets go from there.
Hello all! I am currently in the process of trying to buy a home, but of course i’m having to rebuild my credit. I’ve pulled my credit and I’ve noticed that there is a old sprint bill on my report which I haven’t had since 2008. In the past I have dealt with them on making payment arrangements, that every six months I would have to call back and set it up all over again until I paid off my debt. After the first six months I did not renew the deal because I wasn’t receiving any kind of proof that I was paying them off or receipts of my transactions. I know I was scammed. Since then I’ve been receiving threatening calls from a man named “Robert Johnson representing Roth-stein Acquisition Firm” about they have my case and that they are going to send it to a lawyer, they are going to contact the local authorities and have me arrested, I’m going to be sued, and they also have contacted my parents, threatening them that they were going to go to jail because in some weird way they were apart of it on helping me create my own debt. The company is named CONVERGENT OUTSOURCING and they seem to keep updating the account to make it a new collections and its harming my credit. also today I got a notification stating that “CONVERGENT OUTSOURCING, INC has flagged your account as Collections. February 26, 2015” so what does this mean? Also wanting to know if I should just dispute it. whats the worse that can happen.. I just want to know what do I need to do because I’m so close to qualifying for a home and the collection agency I feel like its harming my chances. Someone please help! Thank you!
When was it you last made on time payments to Sprint?
A debt collector threatening you with jail time, or having you arrested is a scam.
Based on what you shared, Convergent Outsourcing on your credit reports is not related to the collection calls you are getting from “Robert Johnson”. It sounds like those are two separate concerns. Is that correct? And if so, I can better offer feedback out Convergent and credit reporting when you answer my sprint question.
You may be really close to when the original Sprint collection should fall off your credit. That would mean Convergent should drop off with it. If it does not, you can dispute it off as too old.