Convergent Outsourcing,Inc Galaxy Asset Purchasing Sending past due debt notices that aren't on my credit report. Las Vegas Nevada

have been receiving weird phone calls asking for a Venita.From medication p/u to medical appointments.All overseas calls,barely speak english.These yay-who's are nothing but harrassing a**holes on convergents payroll!They are listed as a foreign co.Now have received a fraud claim form from them to start my identity theft case .Isn't it ironic!

Believe it or not, old unpaid debt (sometimes even paid debt) accounts are sold by creditors and other collection companies. If the debt is older than 7 years 180 days from the date of default it can't show up on your credit report, but that doesn't mean the debt goes away. The collections agency can still attempt to collect from you but can not put it on your credit report. Of course, some of the collection agencies don't follow the rules at all.

Go to the various legitimate credit and debtor websites to get more information on how to handle these collection agencies and zombie debt. Don't contact the collections agency without having a full understanding of what they can and can not do to you.