If The Outsourcing Group is calling you about a debt, you are dealing with a third-party debt collection agency, not a business process outsourcing firm. Despite the generic name, The Outsourcing Group operates as a debt collector subject to the Fair Debt Collection Practices Act on every call they make.
Consumer reports describe patterns of excessive calling, threats of legal action, and contact with employers and family members. If any of that describes what you are experiencing, call The Wood Firm PLLC at +1-844-638-1122 for a free consultation. You pay nothing unless we win.
Also searched as: The Outsourcing Group debt collector, Outsourcing Group collections, Outsourcing Group LLC, The Outsource Group collection agency, Outsource Group debt collection, Shepherd Outsourcing, Convergent Outsourcing
Key Takeaways: The Outsourcing Group
- The Outsourcing Group is a debt collection agency that contacts consumers about medical bills, credit card debts, personal loans, and other financial obligations on behalf of original creditors
- Consumer complaints describe repeated calls exceeding ten per day, calls outside permitted hours, threats of arrest or garnishment without a judgment, and continued contact after cease-and-desist letters
- Every contact The Outsourcing Group makes with you is governed by the FDCPA regardless of whether the debt is valid. You have rights whether you owe the money or not
- You have 30 days from first contact to demand written debt validation. All collection activity must stop until they provide adequate documentation
- FDCPA violations entitle you to up to $1,000 per lawsuit in statutory damages plus actual damages. Illegal robocalls carry $500 to $1,500 per call under the TCPA
- The Wood Firm PLLC has handled these cases exclusively since 2010 and has never represented a creditor. Call free: +1-844-638-1122
What Is The Outsourcing Group?
The Outsourcing Group is a debt collection agency that contacts consumers on behalf of original creditors who have either sold or assigned debts for collection. They collect on medical bills, credit card debt, personal loans, and other consumer financial obligations.
Despite a name associated with business process outsourcing, this company’s function when contacting you is debt collection, and every consumer protection law that applies to debt collectors applies to them in full.
Note that several similarly named entities appear in consumer searches and complaints. Shepherd Outsourcing (also searched as “Shepard Outsourcing” and “Shepherd Outsourcing LLC”) is a separate debt collection company that appears in related searches.
Convergent Outsourcing is another distinct debt collector whose name generates confusion with The Outsourcing Group. If you are unsure which entity is contacting you, ask the caller for their full company name, mailing address, and the name of the original creditor.
A refusal to provide that information is itself an FDCPA violation. You can also check our list of collection agencies in the United States to identify the specific company.
Why Is The Outsourcing Group Calling Me?
The Outsourcing Group is calling because a creditor has assigned or sold your account to them for collection. The debt may involve a medical bill, a charged-off credit card, a personal loan, or another consumer obligation.
Their first contact should include a written notice within five days stating the amount owed, the name of the creditor, and your right to dispute. If that notice was missing or unclear, that alone may constitute a violation. See our FAQ on what types of debt a collection agency can contact you about.
Consumer reports filed with government agencies describe common patterns from The Outsourcing Group: ten or more calls per day, calls continuing after written cease requests, collectors threatening legal consequences they cannot immediately pursue, and contact with employers or family members about the debt. Each of these, if it occurred, is a documented violation worth pursuing.
Warning Signs The Outsourcing Group Has Violated Your Rights
The following conduct is illegal under federal law, regardless of whether you owe the debt:
- Call before 8:00 AM or after 9:00 PM in your time zone. Each call outside those hours is an automatic, documentable violation. Note the exact time and the number that called.
- Calling your workplace after you have told them your employer prohibits personal calls. See our FAQ on whether a collection agency can call your job for what you must say and how to document it.
- Calling more than seven times in seven days about the same debt, or calling within seven days of a conversation you actually answered. CFPB rules effective November 2021 treat this as presumptive harassment. Our FAQ on how many times a debt collector can call per day has the full framework.
- Discussing your debt with family members, neighbors, or coworkers. Collectors may contact third parties only to locate you and cannot disclose that you owe a debt. Our FAQ on when a debt collector can contact your family covers the narrow exceptions.
- Threatening arrest or criminal prosecution. Consumer debt is a civil matter. Any threat of jail time or criminal charges for an unpaid bill is a false representation and a federal violation. Know the number one rule when a debt collector calls you.
- Threatening immediate wage garnishment or bank levy without a court judgment. Garnishment requires a lawsuit, a judgment, and an enforcement order. Threatening it as an immediate consequence without disclosing those steps is a false representation. See our FAQs on wage garnishment threats and bank account levies.
- Continuing contact after receiving your written cease-and-desist. Once they receive your letter, the only permitted contact is to confirm cessation or notify you of a specific legal action. Know what to say and not say to a collection agency before and after you send it.
- Adding unauthorized fees or misrepresenting the amount owed. Collectors can only demand amounts authorized by the original agreement or by law. Any excess is an unauthorized charge. See our FAQ on the top FDCPA violations.
- Failing to validate the debt after a timely written request. If you send a written validation request within 30 days and they continue calling or report the debt to bureaus without providing documentation, each action after that is a fresh violation. Learn how to request debt validation.
📞 Is The Outsourcing Group Harassing You?
Federal law protects you from illegal debt collection. You may be entitled to:
- Up to $1,000 per FDCPA violation per lawsuit
- $500 to $1,500 per illegal robocall under the TCPA
- Actual damages for emotional distress and lost wages
- Attorney fees paid by The Outsourcing Group if we win
✓ We work on contingency – You pay nothing unless we win
FREE Case Review: +1-844-638-1122
How to Stop The Outsourcing Group Debt Collection Calls
- Document every contact immediately. Write down the date, time, number that appeared on caller ID, the name of the person who called, and exactly what was said. Save all voicemails. Note any calls before 8:00 AM or after 9:00 PM with exact times. This documentation becomes your evidence. See our guide on what to do when a debt collector first contacts you.
- Send a written debt validation request within 30 days of first contact. Send it by certified mail with return receipt to The Outsourcing Group. State that you dispute the debt and demand written proof of the amount owed, the name of the original creditor, and their authority to collect. All collection activity must stop until they respond adequately.
- Send a written cease-and-desist if you want all contact to stop. After receiving it, The Outsourcing Group may only contact you to confirm cessation or notify you of a specific legal action. Send by certified mail and retain your receipt.
- File complaints to create a formal record. Submit a complaint through the CFPB complaint portal and with the FTC. These complaints do not produce direct compensation but create a documented record regulators use to identify patterns.
- Contact The Wood Firm PLLC before the 30-day validation window closes. Once that deadline passes, your strongest leverage point weakens. The Wood Firm PLLC can send a legal notice that stops contact within 48 hours and evaluate your violations at no cost. Call +1-844-638-1122.
How to Request Debt Validation from The Outsourcing Group
Debt validation is your most powerful early tool. Send a written request within 30 days of The Outsourcing Group’s first contact demanding: the full name and address of the original creditor, the exact amount of the debt as of the date it was charged off or sent to collections, an itemized breakdown of how the current balance was calculated, and documentation proving their legal authority to collect.
Send it certified mail to create a delivery record. Our detailed guide on how to request debt validation has everything you need.
Debts sold or assigned multiple times accumulate errors. The amount may have grown with unauthorized fees, the account may belong to someone with a similar name, or the debt may already be beyond the statute of limitations in your state.
Validation forces The Outsourcing Group to document every dollar before you pay anything. If they cannot validate, they must stop all collection activity and remove any negative credit reporting. Our FAQ on what zombie debt is explains the statute of limitations issue in detail.
Can The Outsourcing Group Sue You or Garnish Your Wages?
The Outsourcing Group can file a civil lawsuit to collect a valid debt. If they obtain a judgment, they can then pursue post-judgment enforcement, including wage garnishment and bank levies. What they cannot do is threaten those consequences without first completing the legal process.
See our FAQs on whether a collection agency can sue you and how long a judgment stays on your record.
If The Outsourcing Group files a lawsuit, do not ignore it. You have a limited window to file a written answer with the court. Ignoring a lawsuit produces a default judgment automatically, giving them full enforcement authority.
Even if you believe you owe the debt, responding to a lawsuit preserves your ability to assert defenses and any FDCPA counterclaims for violations that occurred during collection.
The Outsourcing Group and Your Credit Report
If The Outsourcing Group has reported your account to Equifax, Experian, or TransUnion, that reporting must be accurate under the Fair Credit Reporting Act.
Common errors include incorrect balances, duplicate entries, accounts that should have been removed, and reporting that continues after a timely dispute without validation.
Our FAQ on whether a collection agency can report your debt to the credit bureaus covers what is permitted. If inaccurate information has been reported, dispute it directly with each bureau. Each bureau must investigate within 30 days and remove entries that cannot be verified.
If The Outsourcing Group continues reporting after receiving a proper dispute, that creates FCRA liability separate from any FDCPA claim.
Why The Wood Firm PLLC for Outsourcing Group Cases
The Wood Firm PLLC has focused exclusively on consumer protection since 2010 and has never represented a creditor or debt collector. We handle FDCPA, FCRA, and TCPA cases on contingency. You pay nothing up front. If we win, The Outsourcing Group pays our fees. Contact stops within 48 hours of our legal notice. Learn more about how we work for you.
The Wood Firm PLLC also handles cases against other collectors whose names appear in related searches, including Convergent Outsourcing, Transworld Systems, and Collection Bureau of America.
About Attorney Jeff Wood
Attorney Jeff Wood founded The Wood Firm PLLC in 2010 and has over 15 years of experience representing consumers in federal court against debt collectors. Licensed in Arkansas and admitted to practice in all federal courts in Arkansas, Colorado, New Mexico, and Texas, as well as the Southern District of Indiana, Eastern District of Michigan, Eastern District of Missouri, Western District of Tennessee, and Western District of Wisconsin, Mr. Wood focuses exclusively on FDCPA, FCRA, and TCPA violations and has never represented a creditor or collection agency. The firm maintains Of Counsel relationships with attorneys licensed in more than 15 states. Learn more about the firm.
Real Results for Real People
Harassment Campaign Stopped. A client received 15 to 20 calls daily from a debt collector threatening legal action. Despite multiple requests to stop, the calls continued. The Wood Firm PLLC filed suit, the harassment ended immediately, and the client received compensation for the violations.
False Debt Eliminated. A client was pursued for a debt belonging to someone with a similar name. The collector refused to investigate despite clear proof of mistaken identity. The Wood Firm PLLC forced the collector to stop, corrected the credit reports, and recovered damages.
Illegal Threats Exposed. A client was threatened with arrest and criminal prosecution over an unpaid bill. The Wood Firm PLLC took action, securing relief and statutory damages for the illegal threats.
⚖️ Has The Outsourcing Group Violated Your Rights?
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Frequently Asked Questions About The Outsourcing Group
Is The Outsourcing Group a legitimate debt collector?
Yes. The Outsourcing Group is a legitimate debt collection agency. Being legitimate does not mean their collection methods are always legal. If they have harassed you, threatened false consequences, or violated any federal rule, you have enforceable rights regardless of whether the underlying debt is valid.
Is The Outsourcing Group the same as Shepherd Outsourcing or Convergent Outsourcing?
No. These are separate companies. Shepherd Outsourcing (also spelled Shepard Outsourcing) and Convergent Outsourcing are distinct debt collectors that appear in related searches due to similar names. Ask any caller for their full company name, physical address, and the original creditor’s name. Refusal to provide that information is a federal violation.
How many times can The Outsourcing Group legally call me per day?
CFPB rules presume harassment when a collector calls more than seven times in a seven-day period about the same debt, or calls within seven days of a conversation you answered. Even one call with abusive language or a false threat is a violation. See our FAQ on how many times a debt collector can call per day.
Can The Outsourcing Group call my cell phone?
They can call your cell phone, but if they use an autodialer or prerecorded messages without your prior express written consent, each call may violate the TCPA and carry $500 to $1,500 in damages. Document every automated call with the date, time, and number.
What should I do if The Outsourcing Group calls my workplace?
Tell them your employer prohibits personal calls and document the date. Any call to your workplace after that notice is a standalone FDCPA violation. See our FAQ on collection agency calls to your job for the exact steps.
Can The Outsourcing Group garnish my wages without suing me first?
No. Wage garnishment requires a lawsuit, a court judgment, and an enforcement order. Threatening garnishment as an immediate consequence of non-payment is a false representation. Our FAQ on wage garnishment threats explains what the process actually requires.
Can I sue The Outsourcing Group even if I owe the debt?
Yes. Your right to be free from illegal collection conduct exists regardless of whether the underlying debt is valid. A collector who violates the FDCPA while trying to collect a legitimate debt still owes you statutory damages of up to $1,000 plus attorney fees. The Wood Firm PLLC handles these cases on contingency. You pay nothing unless we win.
How long do I have to file an FDCPA lawsuit against The Outsourcing Group?
One year from the date of the violation. Document violations immediately and contact an attorney promptly. Waiting too long forfeits your right to compensation, even if the violations are clear.
If The Outsourcing Group has been calling you repeatedly, making false threats, or contacting your employer or family about your debt, those are actionable violations under federal law. The Wood Firm PLLC has focused exclusively on consumer protection since 2010, holds an A+ BBB rating, and has never represented a collector. Contact us online or call +1-844-638-1122 for a free case review. If you have a claim, The Outsourcing Group pays our fees, not you.
