Convergent Outsourcing Facing FDCPA Case

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In a proposed class action lawsuit, a New York man claims defendant Convergent Outsourcing, Inc. violated the Fair Debt Collection Practices Act (FDCPA) in a communication sent for a debt reportedly owed to Sprint. The plaintiff claims he was sent a collection notice from the defendants that stated there were “3 CONVENIENT WAYS TO PAY” his obligation. Though the letter did contain mandatory validation language, the lawsuit says, it allegedly lacked “transitional language” that explains how the defendant could simultaneously demand payment AND make a settlement offer without overriding the plaintiff’s right to dispute or demand validation of the debt.

“[The plaintiff’s] validation rights were effectively overshadowed because [the defendant] demanded payment without sufficiently communicating to [the plaintiff] that he has the right to dispute the debt,” the lawsuit asserts.