Try2getlifeback Posted April 11, 2012 Report Share Posted April 11, 2012 I had a bad check with BofA on feb, 2012( amount about $2900) and they called me, said that I have until 4/20/2012 to pay off. I told them I need that agreement in writing but they said they don't have that kind of letter in their overdraft department. Now ( 4/5/12) a collection agency name convergent inc, ( address from a PO box in Renton, WA) send me a letter saying I owe them the money I owe to BofA. What should I do? Should I do a debt validation first or should I settler the debt and pay for deletion? Please, help. I live in CT and when I checked, this CA does not have an office here. So can they sue me? Link to comment Share on other sites More sharing options...
kutuzov Posted April 11, 2012 Report Share Posted April 11, 2012 Send a DV. Don't pay anything unless you got a writen agreement, and yes they could sue you, but they probably would lack standing if you fight it back. Link to comment Share on other sites More sharing options...
1stStep Posted April 11, 2012 Report Share Posted April 11, 2012 Convergent will not sue you for any debt... in fact, they will violate ... I'm getting ready to sue them anytime after 4/20... Link to comment Share on other sites More sharing options...
Guest spitfire_814 Posted July 10, 2013 Report Share Posted July 10, 2013 Hello there I saw you're post about how convergent violates and you're getting ready to sue them. What did they do to violate? I'm getting ready to deal with them and would like to know what to watch forThanks Link to comment Share on other sites More sharing options...
admin Posted July 10, 2013 Report Share Posted July 10, 2013 @spitfire_814 - you might want to PM 1stStep. Hasn't posted since June 2. Link to comment Share on other sites More sharing options...
BTO429 Posted July 13, 2013 Report Share Posted July 13, 2013 Convergent is owned by the Sherman Group. They are notorious for violating the fdcpa. Send them a dv first and see if they say they own the debt or not. If you get Convergent off your back they will send it to LVNV who is another ca owned by the Sherman Group. LVNV violates often also. After LVNV goes away they will send to one of their other 10 collection agencies.....Sherman Aquisitions, Resurgent, Ascent, and some others. Link to comment Share on other sites More sharing options...
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