Dispute Convergent Outsourcing Utility Debt in Oregon

Convergent Outsourcing is collecting utility debt in Oregon where the statute of limitations is 6 years. Average utility debt: $800. Garnishment limit: 25% of disposable earnings or amount exceeding $254/week.

6 years

Statute of Limitations

$800

Average Utility Debt

25% of disposable ea

Garnishment Limit

Known Convergent Outsourcing Violations

Calling cell phones without prior consent (TCPA)
Failing to send written validation notice
Disclosing debt to unauthorized third parties

Dispute Strategies

File complaint with state Public Utility Commission
Request billing audit and meter verification
Apply for utility assistance programs (LIHEAP)
Dispute estimated vs actual billing
Challenge reconnection fees if disconnect was improper

Oregon Protections

Oregon Unlawful Debt Collection Practices Act. File complaints with: AG Consumer Protection.

• State act applies to original creditors
• $40,000 homestead exemption (single)

Oregon Laws Convergent Outsourcing Utility Debt

Dispute Now — $9.99/mo