CONVERGENT OUTSOURCING. INC. FIRST BANK AND TRUST MIDLAND FUNDING, LLC Sent me a settlement statement for a bill to this company. So I called the number listed he ask for last 4 of my SS# and address. he said this was a bill collection agency. I let him know I didnt make this bill. And that my Identy had been stolen last year. He said all he could do was put this note in my file. RENTON Washington

I have had to deal with credit card fraud in the recent past. Be sure you protect your rights when dealing with collection companies. I contacted an attorney for steps I should take. The first thing he advised me to do is to send a certified letter with return receipt requesting verification of this debt. If they do not have verification information to send then this is possibly a "fishing" exercise they are engaging in. Be sure to check for the date of the last payment on this account. Since you live in Alabama and if that is where the account was opened then the statute of limitations for collection is 6 years from the date of last payment. In any case do not make a payment or give any bank or credit card account numbers since this can be viewed as an attempt to make a payment. If you make a payment then the clock re-starts on the statute. I hope this will help but it is very important that you contact an attorney (one that specializes in consumer rights is best) before you make any committment to these people