Convergent Outsourcing is a third-party debt collection agency based in Atlanta, Georgia. This collection agency has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including improper contact or sharing of information and threatening to take actions that cannot legally be taken. If you have been contacted by this debt collector, make sure you understand your rights before responding.
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Convergent Outsourcing is a legitimate collection agency with an extensive history of harassing consumers over debt. In one form or another, this firm has been doing business for more than 50 years. It specializes in collecting health care, credit card, mobile phone, cable, and utilities debt.
Convergent are available at each stage of the collection procedure, including what’s known as “first party collection.” For first-party collections, Convergent workers will call a customer and say they’re calling from the company at which the customer has an account. They’ll write letters on that business’s letterhead, and use envelopes with that business’s name and address. The Fair Debt Collection Practices Act does not cover first-party collections, but does apply to Convergent once it collects debt as a “third party collector,” where they identify themselves by their company name and use collection tactics like auto-dialing, letter collection, and credit bureau reporting.
As of April 2017, the Better Business Bureau reported 908 closed Convergent Outsourcing complaints over the previous few decades, including 232 closed complaints over the past 12 months. The BBB provides them a B evaluation. Additionally, Justia lists 84 complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act, seven alleging violations of the Fair Credit Reporting Act, and two alleging violations of the Telephone Consumer Protection Act. Moreover, the Consumer Financial Protection Bureau (CFPB) lists 526 closed complaints for this debt collection agency in 2016.
Convergent Outsourcing, Inc.
219 Perimeter Center Parkway NE, Suite 200
Atlanta, GA 30346
Phone Number: 800-444-8485
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely Convergent would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Absolutely. Here’s an example of a case filed in federal court.
In 2016, a judge in U.S. District Court, Eastern District of Michigan, granted a customer’s motion to certify a class action that alleged Convergent Outsourcing violated the FDCPA by sending debt collection letters which provided settlements of debts without revealing that the debts were beyond the statute of limitations and were consequently time barred. In Luther v. Convergent Outsourcing, the judge wrote that Palisades Collection purchased old AT&T Wireless accounts and used this third party collector to collect the customer’s old AT&T debt. When this agency delivered the debt collection letter to the customer, over six years had passed since the previous payment or account activity, and the statute of limitations had been six decades. The customer brought suit on behalf of all customers who received similar letters with regard to time-barred debt.
Here are some past Press Releases of Lawsuits Brought On By Lemberg Law
March 31, 2017. On behalf of our client, Lemberg Law recently filed a complaint in U.S. District Court, Middle District of Florida. The case, against Convergent Outsourcing, charges the company with violating federal law and state law. It asks for $500 to $1,500 per call in Telephone Consumer Protection Act statutory damages, $1,000 in Fair Debt Collection Practices Act (FDCPA) statutory damages, plus other relief.
Debt collection calls are anxiety provoking, even when they’re calls to the wrong number. Our client says that Convergent began calling him about a debt that he didn’t owe. In fact, he was getting calls to his cell phone for someone he’d never heard of. The calls coming in were robocalls. Our client knew they were robocalls because, when he answered the calls from Convergent , he heard silence followed by an automated click before the call would disconnect. This is one of the hallmarks of a predictive dialer, which is an automated telephone dialing system under the TCPA. On several occasions, our client called Convergent and told them that they were calling the wrong number. Nevertheless, the debt collection agency continued to repeatedly call our client cell number in an attempt to collect a debt that he didn’t owe.
The lawsuit charges that Convergent Outsourcing violated the Telephone Consumer Protection Act (TCPA) by using an ATDS and by using a prerecorded voice to call our client’s cell phone without his consent. The lawsuit also charges that Convergent Outsourcing violated the Fair Debt Collection Practices Act (FDCPA) by engaging in harassing behavior, and by using unfair and unconscionable means to collect a debt. It further charges that Convergent violated our client’s privacy.
September 21, 2015. On behalf of our client, Lemberg Law recently filed a complaint in Superior Court in the Commonwealth of Massachusetts against Convergent Outsourcing. Our client alleges that this debt collection agency called him up to four times a week in an attempt to collect a debt.
The lawsuit charges that Convergent violated the Massachusetts Consumer Protection Act and Massachusetts Debt Collection Regulations by employing unfair or deceptive acts to collect a debt; and by calling more than twice in each seven-day period. It also alleges invasion of privacy.
The Fair Debt Collection Practices Act (FDCPA) includes a range of provisions to protect consumers from abusive debt collectors. One of these provisions states that debt collectors can not threaten customers with activities that are illegal or that they don’t mean to take. By way of instance, a debt collection agency that threatens to file suit against you, when they don’t have any intention of doing this, is probably in violation of the FDCPA. The same is true if the debt collection agency threatens to garnish your wages, but does not have a court judgment against you. Similarly, a debt collection agency can not threaten to get you arrested, because being in debt isn’t a criminal offense.
When a collection agency violates the FDCPA, they may be sued in federal court for up to $1,000 in statutory damages, plus court costs and attorney fees. This is the reason why representation by fair debt attorney shouldn’t cost you a dime.
Consumers have reported this agency harassing them from the following numbers:
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are receiving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
We can make them STOP!✋
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200 NOW.
What Our Clients are Saying
“As we discussed on the phone earlier today, this settlement is perfectly okay to me. I need to thank you and all of your cohorts at Lemberg Law to get a project handled so professionally. Please allow Amy, the first person who contacted me from Lemberg, know how much I appreciate her efforts, kindness, and professionalism.”
“I can’t even start to tell you how frustrated I was! I had been getting call after call after call and the majority of these were robocallers!! I contacted your company and you made the calls stop. I have not received my check yet but the calls have stopped for good and that makes me happy enough. Anything extra is simply icing on the cake!”
“I’m forever thankful for the help I received, and urge Lemberg Law to anybody who has ever had a doubt about what’s right or wrong when dealing with debt collectors. Attorney Jody Burton is wonderful. I was never led astray and she’s the utmost professionalism. Lemberg and its team are truly the light at the end of the tube”
“Thank you so much for handling my situation. Previously, I did not trust attorneys. I had bad experiences and did not think lawyers fought for you anymore. You’ve restored my faith. You took in my case, never asked for a retainer, and you won without ever having met me. Thank you.”
The brief answer is yes. We can help. Call us today.
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