Skip to Content

What Are My Rights?

If you're unsure about debt collections and the laws that govern it, you can access in depth information from The Federal Trade Commission (FTC); they are responsible for enforcing the Fair Debt Collection Practices Act (FDCPA) which debt collection agencies must follow. Listed below are common questions consumers have in regards to their rights.

Can debt collectors contact me where ever they choose or at any time? Debt collectors can contact you by phone, letter, email or text message to collect a debt as long as they follow state laws and government regulations. Debt collectors CAN NOT call a consumer before 8:00am or after 9:00pm (in the consumers' time zone) unless the consumer provides permission. Debt collectors are not allowed to call you at work if they are told orally or in writing they are not permitted to do so.

Can debt collectors charge interest? Our company does not add additional fees to your debt; however, creditors can add additional fees and interest to your debt if it was included in their terms and conditions of the original agreement with the consumer.

What are some actions a debt collection agency is prohibited from doing? The Federal Trade Commission is a good starting point for consumers to use to educate themselves and acquire relevant information. Some important areas that are off limits to a collection agency are:

Return To Common Concerns

Need additional Information?

Contact Us

Do you have a complaint, a dispute, a fraud or bankruptcy? Knowing the difference will ensure your concern reaches the appropriate department and is addressed in a timely fashion. If you are unsure, refer to the Complaint, Dispute, Or Fraud Claim? section. Our company contact information is provided below for ALL inquiries.

New York City Residents: Please be advised that language access services, including the translation of information into a language other than English, may be available. A translation and description of commonly-used debt collection terms is available in multiple languages on the New York City Department of Consumer and Worker Protection’s website,

General Information Requests

Office Hours: 7:00am-5:00pm (PST)
Monday-Friday (closed most government holidays)

Postal Address

Convergent Outsourcing Inc.
800 SW 39th Street Suite #100
Renton, WA 98057

Stop Contacting Me!

Have you been contacted in error? To request us to cease our communication attempts to you call our dedicated phone number removal line (toll free) at 1-855-728-9701 and follow the guided prompts. It may take 24 to 72 hours to update our information and finalize your request. We appreciate your patience.