Convergent Outsourcing

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?

Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(While debt collectors may not want this information to be widely known, it’s your right to be informed.)

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

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. However, sometimes it’s better just to pay the debt, especially if it’s new, and you’re certain that it’s legit.

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

Most collection agencies have numerous complaints filed against them 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Convergent Outsourcing, Inc.

Debt collectors must abide by state and federal laws in the United States. 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
• Convergent Outsourcing may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
• Convergent Outsourcing must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
• Convergent Outsourcing cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Convergent Outsourcing From Your Credit Report Today!

Credit Saint can assist you in disputing Convergent Outsourcing collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.