877-227-0063

What Company Is Calling Me From 877-227-0063? Are They A Scam And Why Are They Calling Me?

The phone number 877-227-0063 is linked to Convergent Outsourcing, a debt collection agency. People have had different experiences, with some identifying it as a debt collector and others receiving calls even when they’re on the Do Not Call Registry. Calls might differ in frequency and purpose, and callers usually don’t reveal their identity when asked. It’s unclear if all calls from this number are related to debt collection, and users have reported aggressive or inappropriate behavior. If you get a call from this number and aren’t sure about the caller’s identity or purpose, it’s advised to hang up and not give any personal information. If you think it’s a scam or illegal robocall, report it to the Federal Trade Commission.

How Can I Block Or Stop Calls From 877-227-0063?

To block or stop calls from 877-227-0063, which is associated with Convergent Outsourcing, a debt collection agency, follow these steps:

1. Identify if the call is from a debt collector by letting unknown calls go to voicemail and not answering directly. Debt collectors may leave messages stating they are attempting to collect a debt.

2. Block the number by contacting your phone carrier to permanently block the number or using call blocking apps like Nomorobo or Hiya.

3. Set contacts not in your address book to go straight to voicemail or be blocked on your smartphone.

4. Send a cease and desist letter via certified mail demanding no further calls. Collectors can only contact to confirm they will stop calls or notify of specific actions after this.

5. Check if your state has laws beyond the FDCPA that prohibit collection calls without written notice. Send a cease and desist letter invoking those rights.

6. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.

7. Consult a non-profit credit counselor to help negotiate resolution of the debt or consider speaking to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations.

8. Do not avoid unknown calls altogether. Check voicemails to monitor any messages from an identified collector.

Remember, blocking calls does not eliminate any legitimate debts owed. But taking proactive steps can stop harassment while addressing any outstanding debts.

Is 877-227-0063 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The number 877-227-0063 is associated with Convergent Outsourcing, a debt collection agency. If you receive a call from this number, you have certain rights and protections under the Fair Debt Collection Practices Act (FDCPA). Document the date, time, frequency, phone number, and details of all calls to create a record of potential harassment or violations. Track if they call outside allowed hours of 8am – 9pm in your time zone, call repeatedly over a short period, or use abusive language.

To assert your rights, revoke any prior consent given to call outside normal hours, request them to cease contact at your workplace, send a cease and desist letter, or verbally request they stop calling during any conversation. If you believe there are FDCPA violations, report them to the Consumer Financial Protection Bureau, consult with a consumer protection attorney, or contact your state Attorney General’s office for guidance.

If you are unsure of the caller’s identity or intent, hang up and do not provide personal information. Report suspicious calls to the Federal Trade Commission. To identify if it is a debt collector, let unknown calls go to voicemail and do not answer directly. Block the number by contacting your phone carrier or using call blocking apps. If the calls continue without written notice, send a cease and desist letter and familiarize yourself with state-specific laws. Consult a non-profit credit counselor or attorney to negotiate debt resolution and protect your rights.

If 877-227-0063 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 877-227-0063 is a debt collector, the first step to validate the debt is to send a debt validation letter by mail. This is required under the FDCPA. Once validated, consider the following options: negotiate a lump-sum settlement or payment plan, offer partial payment in exchange for debt removal, assert your FDCPA rights if the collector violates regulations, consult a credit counseling agency, contact an attorney for legal advice, keep detailed records, and revoke permission for unwanted contact. Always remember to exercise your consumer rights and seek professional help for a fair outcome.

Can 877-227-0063 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you’re dealing with 877-227-0063, a debt collector from Convergent Outsourcing, they may potentially sue you for the amount owed and garnish your wages if they obtain a court judgment. To avoid legal action, consider the following steps:

1. Negotiate affordable lump-sum or installment payments in writing to demonstrate your good faith effort to pay.
2. Assert your inability to pay and request them to cease contact, although they may still proceed with legal action.
3. Seek guidance from a non-profit credit counselor to work with the collector on your behalf.
4. Hire a consumer law attorney to understand your protections under the FDCPA and state law against unreasonable lawsuits.
5. Consider bankruptcy if debts are overwhelming; meet with an attorney to discuss if it’s appropriate.
6. Thoroughly document calls, letters, and your efforts to address the debt for a clear record.

Before agreeing to settle, make sure:

1. The proposed payment plan is realistically affordable based on your budget.
2. Get any settlement terms or agreements in writing before making payments.
3. Be aware that a collector can still sue if you default on a settlement.
4. Settling for a lump sum you can’t afford may do more long-term financial harm.

Settling can make sense to avoid legal action, but don’t agree to payments you realistically can’t maintain. Seek assistance to understand your options and rights first.

If 877-227-0063 Is A Collection Company, How Can I Remove It From My Credit Report?

If 877-227-0063 is a debt collection company, it’s crucial to verify if the debt is legitimate by requesting written confirmation. Review the validation carefully to ensure your personal details and the debt information is accurate. If any information is incorrect, send a written dispute to the collection agency stating the debt is inaccurate per the Fair Credit Reporting Act.

If the collector verifies the debt is valid, consider these active steps to potentially remove it: negotiate a pay-for-delete agreement in writing to settle the debt in exchange for removal, offer a good faith partial settlement payment and request deletion as a gesture of goodwill, or hire a credit repair service to formally dispute the debt on your behalf.

Alternatively, wait out the 7-year credit reporting time limit for the collection to automatically fall off your report, file a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information, or consult a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages.

Proactively validating debts, negotiating with collectors, and asserting your rights can ultimately help remove collections from your credit report through persistence and proper documentation. But focus first on determining if the debt is legitimate before taking action.

What Feedback And Comments Do People Leave About 877-227-0063?

People often leave negative feedback and comments about 877-227-0063, as it is associated with debt collection calls from Convergent Outsourcing, Inc. Users report receiving daily calls, with some callers providing false or unclear information. Some users also mention that the company continues to contact them even after requesting to be removed from the call list. The legitimacy and accuracy of the company’s letters have not been verified. It is advised to exercise caution when receiving calls from this number and consider blocking or reporting unwanted calls.