Resurgent Capital Services is a Greenville, South Carolina debt collector that manages and collects charged-off accounts, including accounts owned by its affiliate LVNV Funding. A Resurgent letter usually concerns an old credit card or loan that was sold after the original lender wrote it off.
- Type
- Debt servicer
- Also known as
- Resurgent Capital Services L.P.; Resurgent; LVNV Funding, LLC
- Headquarters
- Greenville, SC
- Collects
- charged-off credit card accounts, consumer and installment loans
- Phone numbers it lists
- (888) 665-0374
- Website
- resurgent.com
42,192 debt collection complaints were sent to the Consumer Financial Protection Bureau about Resurgent Capital Services L.P. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is Resurgent Capital Services?
Resurgent Capital Services L.P. identifies itself on its website as a debt collector. It lists a Greenville, South Carolina headquarters, a location in Cincinnati, Ohio, and a mailing address of P.O. Box 10497, Greenville, SC 29603. Its site says it has more than 20 years of experience, and its footer copyright runs from 2004.
Resurgent publishes its licensing details, including NMLS ID 2301 and a California license number (10888-00), along with licenses or registrations in Maryland, Minnesota, Nevada, New York City, North Carolina and Tennessee. You can confirm a license through NMLS Consumer Access.
Resurgent's main role, from a consumer's point of view, is as the servicer for LVNV Funding, LLC. LVNV's own website says Resurgent Capital Services is a licensed third-party debt collector that manages LVNV's accounts and may contact consumers directly or through collection agency partners. That is why many people get a letter from Resurgent and then a lawsuit in LVNV's name. See Is LVNV Funding a real company?
Why Resurgent May Be Contacting You
LVNV says it acquires accounts after the original creditor writes them off, such as a credit card, a loan from a lender or installment loan provider, or an account for services. When LVNV becomes the owner, Resurgent handles the account. A Resurgent letter often names the original bank or lender, LVNV as the current owner, and Resurgent as the company you should talk to.
Resurgent also says LVNV-owned accounts may be placed with outside collection agencies or law firms. So a call from a different agency, or a petition filed by a Texas law firm, can still trace back to the same account. Resurgent's listed customer line is (888) 665-0374.
How to Check a Debt Resurgent Says You Owe
Accounts handled by Resurgent have usually changed hands at least once, so the paper trail matters more than the balance on the letter.
- Read the validation notice line by line. Under 15 U.S.C. § 1692g and Regulation F (12 C.F.R. § 1006.34), the notice must identify the creditor, an itemization date, and how interest, fees, payments and credits changed the balance since then. Compare the original-creditor name and last four digits to your old statements.
- Dispute in writing within the validation period. Ask for the charge-off statement, proof of the chain of title from the original lender to the current owner, and an itemized balance. Collection must pause until Resurgent responds. Our page on how to dispute a debt walks through it.
- Confirm who owns the account today. It may be LVNV or another affiliate. The owner, not the servicer, is the party that would have to prove the debt in court.
- Check the dates. Charged-off cards are often several years old. Texas generally allows four years to sue on a consumer debt (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer such as LVNV cannot sue on a time-barred consumer debt in Texas (Tex. Fin. Code § 392.307). See our update on H.B. 996. Other states set different limitation periods.
What Resurgent Can and Can't Do
A company that collects accounts owned by someone else is a "debt collector" under the FDCPA (15 U.S.C. § 1692a(6)), and the account owner can also be covered if its principal purpose is collecting debts, even though it bought the accounts (the Supreme Court's 2017 decision in Henson v. Santander addressed only the "owed or due another" prong). In practice:
- Resurgent may not misstate who owns the debt, how much is owed, or whether a lawsuit is coming (15 U.S.C. § 1692e).
- It may not call more than seven times in seven days about the same debt, or within seven days after a phone conversation about it (12 C.F.R. § 1006.14(b)(2)).
- It may not report or keep reporting a disputed balance without noting the dispute.
- If an LVNV lawsuit follows, a judgment still does not let a creditor garnish wages for an ordinary consumer debt in Texas, and many types of property are exempt.
If Resurgent or an agency working its accounts crossed these lines, see our Texas FDCPA attorneys page. If you have already been sued, our guide to being sued by LVNV Funding in Texas covers the deadlines.
Government Actions on the Public Record
- Connecticut Department of Banking consent order (alleged Resurgent collected interest on certain Connecticut consumer accounts in violation of state collection agency rules; $2,500 civil penalty; neither admitted nor denied) (2021-08-26)
- New York DFS settlement agreement (mortgage loan servicer registration; $50,000 fine) (2013-10-30)
- Maryland State Collection Agency Licensing Board settlement with LVNV Funding and Resurgent (2012-06-28)
Being sued by Resurgent Capital Services? Read our full lawsuit guide →
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Resurgent Capital Services or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- Resurgent Capital Services: home page
- Resurgent Capital Services: Who We Are
- Resurgent Capital Services: Licenses
- LVNV Funding: home page
- NY DFS: Settlement Agreement with Resurgent Capital Services, L.P. (Oct. 30, 2013)
- Maryland Office of Financial Regulation: Enforcement Actions 2012
- American Banker: Collection Firms Reach $1M Settlement; Dismiss Several Thousand Cases (July 3, 2012)
- CFPB Consumer Complaint Database: Resurgent Capital Services L.P., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Resurgent Capital Services has violated any law. Company details change; tell us if something here is out of date. Lea este perfil en español.