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Velocity Investments


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Hi folks, I have two accounts that were purchased by Velocity Investment. One is being handled by CKS and the other by Convergent. I haven't heard from Covergent for about a year and haven't contacted them either. What is the likely time frame that this could become a lawsuit? Last time a payment was made was summer of 2019, but the debt was placed with them during the summer of 2018. My credit isn't great and I definitely would try and avoid a lawsuit if possible by coming to some type of payment plan with them. 

Please let me know if I can provide any more detail to help with any advice that is being given. I appreciate everyone taking their time to respond. Stay healthy! 

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