Your North Carolina rights against Convergent Outsourcing: SOL is 3 years for credit card debt. Garnishment capped at No wage garnishment for most debts.
3 years
North Carolina credit card SOL
NC Debt Collection Act
State collection law
Common Convergent Outsourcing Violations
Calling cell phones without prior consent (TCPA)
Failing to send written validation notice
Disclosing debt to unauthorized third parties
North Carolina Dispute Tips vs Convergent Outsourcing
Convergent collects for utilities and telecom — verify the original creditor
Send a cease-and-desist letter to stop phone calls legally
Check if original bill was disputed with the utility company first
North Carolina Protections
NO wage garnishment for most consumer debts (one of only 4 states)