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I moved and left a small overdue amount when I closed my account with Time Warner Cable.In a letter I received today, Convergent claims that I owe three times the original amount and they were willing to settle for half of that.

Please! So I called TWC to pay the original balance. Convergent lied about the amount I owed. Imagine if I'd gone ahead and paid it.

Always go to the original provider before you give these vampires anything. The scam was obvious in my case, but maybe it isn't always apparent.

Someone at Convergent might have made a decent commission if I'd fallen for this.Tough luck.

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Dallas, Texas, United States #655705

Also make sure you keep all your payment evidence for life. Write a CMRRR letter to these miscreants and state the balance was paid off on xxx date directly to TWC and so their claim is refused and enclose the original letter-just keep a copy. This may be re-sold in the future as a debt you never paid and some collector will start to hound you and mess your credit report.

CONSUMERS FIGHT BACK @ Debtorboards.com


Debt collectors push you around if they sniff you don't know their game or more aptly your legal rights. So before you engage them to make any arrangement Google these and become an informed consumer, it will save you potential trouble in the future.

1-what to do when you are contacted by a collections agency.

2-your rights under federal laws FDCPA and FCRA

3-Validation of debt (VOD), cease and desist (C&D), CMRRR

4-Your state's Statute of Limitations (SOL) on debt.

5-post your questions at debtorboards dot com if things get thick

6-Settlement Offer Letter - very important don't pay anything without it.

-If your state's SOL is expired the debt is noncollectable, period! That's why you

-Never ever accept/agree/acknowledge you owe/own a debt. Per Federal law first demand a VOD. Use CMRRR (you can call but not recommended. Be sure to record the call)

-VOD must be the original document with your signature on it, not a letterhead stating some amounts owed.


-if you legitimately owe a debt don't pay anything without a settlement offer letter.

-mail cahsiers checks or money orders only (no personal check) with tracking No. or signature required, no electronic access to your bank ac. you will be cleaned out. Keep records for life.


-Send a C&D by CMRRR stating ALL CALLS ARE INCONVENIENT, TO COMMUNICATE WITH YOU BY MAIL ONLY. If the call they just violated FDCPA and you are due about $1000. Make it expensive for them - add a consumer attorney. That's an extra $3000 they have to pay up. Get a Dave Ramsey endorsed attorney at collectionbully.com or seach at NACA.org

-If you talk to a CA ALWAYS record, write down immediately, who called, where from, said what, why, when, what, i.e. everything. This is acceptable evidence in court.

-If CA violates FDCPA/your rights you are due $1000. Thus, use CMRRR and/or record all calls ->evidence is $$$ for you. You can sue pro se, see #5 above

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