Complaint / review text:
Convergent called me today for a debt that is 6 1/2 years old. The statute of limitations in my state is 5 years.
The company that owns the debt can't sue me, and Convergent's sleazy service is the best chance they have of making some money.
I told Convergent to go to, and the debt will be off my credit report in six months!
If Convergent has your file, chances are the statute of limitations has run on your debt and no legal action can be taken against you. Whatever you do, don't restart your debt by giving them money or striking a deal to pay.