Lawsuit: Convergent Outsourcing Conceals Required Info

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A Florida woman has filed a proposed class action lawsuit against Convergent Outsourcing, Inc., claiming the defendant violated her rights under the Fair Debt Collection Practices Act by sending her a “misleading” collection letter. The letter allegedly contained a statement that read: “We cannot sue to collect this debt and providing a partial payment may revive the creditor’s ability to sue to collect the balance.” The suit argues that “we” refers only to the defendant, meaning the letter fails to mention that the plaintiff’s creditor is also prohibited from filing suit against her. Under the FDCPA, debt collectors are required to communicate to consumers that they cannot be sued over debts for which the statutes of limitations have expired, the complaint says. The suit claims Convergent Outsourcing, however, failed to properly communicate this required disclosure.