Is Convergent Outsourcing legit??

[MILK]

I have a old ass bill from TXU that somehow accumulated to 851 dollars, double the original amount. I am not disputing the bill or it even doubling up, I'm just not sure about Convergent Outsourcing. The first time I called TXU they had me contact Convergent. So i called and they said they collected for TXU which is fine but when I checked my credit it only showed I owed TXU. So they tried to settle for a few payments which equaled to about 400 bucks but I was a little worried about paying the bill and not coming off my credit. So I called TXU back the next day and now they say I owe TXU 150 dollars and Convergent 851 dollars and also said if I work a deal with convergent I still would have to pay TXU. I don't know who the hell to pay I just want it off my credit. Has anybody ever dealt with Convergent or have been in this kind of situation before?

[jw33]

[MILK]

Not really, just need to know who to pay.

[krazy kris]

I think Txu is just trying to get some money out of the deal. they probably sold the debt for half of what was owed, and now that your trying to pay on it they want some of that back.

[MILK]

I think Txu is just trying to get some money out of the deal. they probably sold the debt for half of what was owed, and now that your trying to pay on it they want some of that back.

That's what I figured but why would the 851 shown on my credit appear as TxU and not Convergent?

[SMKR]

I have a old ass bill from TXU that somehow accumulated to 851 dollars, double the original amount. I am not disputing the bill or it even doubling up, I'm just not sure about Convergent Outsourcing. The first time I called TXU they had me contact Convergent. So i called and they said they collected for TXU which is fine but when I checked my credit it only showed I owed TXU. So they tried to settle for a few payments which equaled to about 400 bucks but I was a little worried about paying the bill and not coming off my credit. So I called TXU back the next day and now they say I owe TXU 150 dollars and Convergent 851 dollars and also said if I work a deal with convergent I still would have to pay TXU. I don't know who the hell to pay I just want it off my credit. Has anybody ever dealt with Convergent or have been in this kind of situation before?

Try and pay the original creditor/biller if at all possible.

[Tx Redneck]

Welcome back Milk.

[sc281]

Did you record the conversations? If so, you might not have to pay either.

[MILK]

Welcome back Milk.

Thanks bud!! Message me your number

[MILK]

Did you record the conversations? If so, you might not have to pay either.

Nah I didn't. But that's the thing, I want to pay it to get it off my credit.

[racrguy]

Nah I didn't. But that's the thing, I want to pay it to get it off my credit.

Before you hand over one red cent, make sure you get them to sign a pay for deletion letter.

[Roscoe]

Before you hand over one red cent, make sure you get them to sign a pay for deletion letter.

Exactly. Good luck, it doesn't matter if it shows paid or delinquent on your credit, you need it deleted.

[Maddhattter]

The big thing is knowing your rights.

You have the legal right to request verification of any debts that a collector is attempting to collect on. You have 30 days from the initial contact to request verification. Once you've provided a written request for verification, they must stop attempting to collect the debt until it is provided, or face fines of $1000 per instance (if memory servers) for harassment.

Once you request verification, they have the onus of proving that you owe the debt they are claiming and that they have legal right to collect on said debt in place of the original debtee.

§ 809. Validation of debts [15 USC 1692g]

(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --

(1) the amount of the debt;

(2) the name of the creditor to whom the debt is owed;

(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;

(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and

(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

(c) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.