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You received a letter from PO box 1280 Oaks PA.
It’s unmarked.
There’s good news and bad news, so let’s start with the bad news first.
- The bad news is that it’s from a debt collection agency.
- The bad news is that you probably are getting lots of these calls and can’t afford to pay anyone.
- The good news is that there is a simple way to stop these communications.
- The good news is that it’s probably not a lawsuit as we will cover later in this article.
So, you may want to stop Convergent today today, so your voicemail can stop always being full and you you can regain peace of mind as you figure out your debt hardship.
4 Option For You To Consider
1) Credit Score ANY – Is The Debt Valid?
This can be for anyone with a credit score below 550 or above 550, but have you confirmed that this debt is a valid debt? Who is the original creditor? If you know that this debt is not yours, you can force the firm to validate the debt.
You can hire an attorney, do this yourself, or can use Solosuit below for a small fee to force the creditor to validate that the debt is yours.
2) Credit Score Below 620 – Do you need debt relief?
Many people cannot afford the debt, and do not want to WAIT TO BE SUED for the unpaid debt, so they would like to get ahead and find debt relief option that work with their budget.
If this is you, consider taking the free debt relief calculator that considers your income and your debt to provide debt relief option that you can compare.
3) Credit Score Above 620 – Can You Settle?
Are you in a position where you could get an unsecured debt consolidation loan that you can use to help settle this debt and potentially other debt that is in collections. Here’s 2 different options that you can check your rate without affecting your credit.
4) Should You File Bankruptcy? Is the Debt Overwhelming?
Another option if you have debilitating other debt in addition to the debt with Convergent Outsourcing is to considering filing personal bankruptcy.
To go this route, you may consider taking a should I file for bankruptcy quiz. Chapter 13 Bankruptcy help has a great option that they just launched, so I included a link to that quiz for you to consider as it’s 100% free.
Please note that the cost of bankruptcy attorney fees may be dependent on where you live.
How To Stop Convergent Outsourcing
One of the first things you can do is to call them and use this 11 word phrase to stop the debt collectors, BUT here’s the problem with that:
- You don’t want to speak with anyone right now, especially debt collectors.
- You would have to do this for multiple debt collectors, and how do you know you are reaching them all?
- Does this even work? I’ve heard that debt collectors don’t even listen to requests to stop calling.
Is this a Lawsuit?
Convergent Outsourcing is most likely pursuing you for unpaid debt. How do we know? While its BBB profile has the name Alters001, if you scroll down, you will see both Convergent Outsourcing and the PO Box Address.
The letter is not likely a lawsuit, but that does not mean that Convergent will not sue you. Each creditor is different and the likelihood of that creditor suing differs, and you can estimate whether Convergent may sue you below.
Often a debt collector will mail you a letter stating that the original creditor handed over the debt to the collection agency to start serving the debt.
So, What’s In The Envelope?
If this is the first letter you are getting from Convergent at PO Box 1280 Oaks PA, then most likely the first communication will be covering which debt account they will be servicing for the original creditor.
So, consider checking out this article covering how to stop Convergent Outsourcing.
Is Your Debt Within the Statute of Limitations? How much would they garnish?
One thing to consider is whether the debt that Convergent is pursuing you for debt that is within the statute of limitations and how wage garnishment works in your state. How much would Convergent or another firm be able to take from you from each pay check?
Check for your Debt Statute of Limitations and Garnishments.
Why Are They Contacting You From PO Box 1280 Oaks PA?
One of the most telling hypotheses, why they are contacting you from PO Box 1280 Oaks PA, maybe from this court case Saraci v. Convergent Outsourcing where the plaintiff showed that there was an address for, “ 800 SW 39th St./PO Box 9004, Renton, WA 98057” in the letter and the envelope had “PO Box 1280, Oaks, PA 19456-1280”.
The plaintiff argued, “… that the inclusion of multiple addresses is deceptive because the letter does not direct the consumer to the correct address for mailing disputes.”