Resurgent Capital Services Complaints

Businessman Taking Money Out of Piggy Bank. Business Concept Cartoon Illustration.

Resurgent Capital Services is a debt collection agency active in Pennsylvania. It usually collects charged-off debt for debt buyers. Resurgent can’t harass you, deceive you, or treat you unfairly. If it does, you may have a claim for damages.

If you think Resurgent Capital Services is violating your rights under the Fair Debt Collection Practices Act or other laws, please contact BCJ Law’s debt collection attorney for help. For a free case review, please fill out our contact form or call 1-800-997-5561.

Who is Resurgent Capital Services?

"More than half of consumers contacted about debt 'said these contacts included at least one debt ... in error.'"

CFPB Survey (2017).

Resurgent is a debt collection agency with headquarters in Ohio and South Carolina. It does not own your debt. Instead, it is hired by other companies to collect debt on their behalf.

Resurgent Capital Services usually collects “charged-off” debt for debt buyers. A “debt buyer” is a company that purchases old consumer debt, sometimes for pennies on the dollar. LVNV Funding and CACH LLC are the primary debt buyers for which Resurgent collects debts in Pennsylvania.

Have consumers filed complaints about Resurgent Capital Services?

Consumers have complained about Resurgent Capital Services. A federal complaint database currently shows over 4,000 complaints filed against Resurgent and Second Round, a Resurgent affiliate. Close to 100 complaints have been filed with the Better Business Bureau (BBB) against Resurgent.

If you have complaints about Resurgent’s debt collection practices, visit our debt collection harassment page to learn how we can help. You also can complete our contact form or call 1-800-997-5561

What are common complaints about debt collection agencies?

Debt collection agencies routinely violate the FDCPA. Here are common complaints of unlawful collection practices:

I. Complaints about calls.

  • Repeated, frequent, or persistent phone calls.
  • Contacting third parties, like family, friends, employers, or co-workers.
  • Phone calls at inconvenient times or places, like early in the morning, late at night, or at work.

II. Complaints about threats.

  • Threatening jail time or arrest.
  • Threatening damage to reputation or disclosure of private information.
  • Threatening wage garnishment, seizure of property, or the filing of lawsuits without authority.

III. Complaints about other conduct.

  • Reporting inaccurate information to credit reporting agencies.
  • Attempting to collect debt that's already paid or not owed at all.
  • Attempting to collect unlawful or unauthorized fees, charges, or costs.

Will Resurgent sue me if I don't pay money?

Resurgent Capital Services likely won’t initiate a lawsuit in its own name. That said, it is possible you’ll get sued by CACH LLC, LVNV Funding, Second Round, PYOD LLC, CVI SGP-CO Acquisition Trust or another company affiliated with Resurgent.

CACH LLC, LVNV Funding, Second Round, PYOD LLC, CVI SGP-CO Acquisition Trust are debt buyers that collectively sue tens of thousands of people each year in Pennsylvania. BCJ Law defends and wins lawsuits filed by these companies. To learn how we win, read these posts: Sued by CACH LLC?Sued by LVNV Funding LLC?Sued by Second Round LP?Sued by PYOD LLC?, or Sued by CVI SGP-CO Acquisition Trust? To learn about debt buyers, read this post: What is a Debt Buyer? 

How should I respond to Resurgent Capital Services calls or letters?

There’s no correct way to respond to Resurgent Capital Services calls and letters. That said, if Resurgent keeps calling you, or if they keep sending letters, here are some tips for dealing with debt collection communications.

I. You can modify how Resurgent contacts you.

If you don’t want debt collection calls, you can tell Resurgent Capital Services to stop calling. You also can tell Resurgent when and where it can contact you. To learn more, read our posts on how to deal with debt collectors and debt collection robocalls.

II. Resurgent must disclose your right to verify your debt.

Within 5 days of first contact, Resurgent Capital Services must disclose: your right to request debt verification; that verifications must be written; and that debts are assumed valid if a verification letter is not received within 30 days. To learn more, read our posts on how to deal with debt collectors and debt collection letters.

III. Keep a call log and any documents Resurgent sends you.

It’s good practice to document your interactions with any debt collection agency, including Resurgent Capital Services. For any calls you make or receive, keep a call log with dates, times, and the subject matter of each call. For any letters or emails, retain originals, or at least copies, so you can refer to them or review them with an attorney, if necessary.

What laws apply to Resurgent Capital Services?

There are many federal and Pennsylvania laws that give you legal rights when interacting with Resurgent. Here are some of them:

  • Fair Debt Collection Practices Act (FDCPA): This is a federal law that prohibits harassing, deceptive and unconscionable debt collection practices. It also gives you the right to request debt verification and modify how debt collectors contact you.
  • Fair Credit Extension Uniformity Act (FCEUA): This is a Pennsylvania law that prohibits many of the same practices the FDCPA makes unlawful.
  • Telephone Consumer Protection Act (TCPA): This is a federal law that prohibits debt collectors from making certain calls to cellphones without consent. It provides for $500 to $1500 per unlawful call.
  • Unfair Trade Practices and Consumer Protection Law (UTPCPL): This is a Pennsylvania law that prohibits fraud and deception.
  • Fair Credit Reporting Act (FCRA): This is a federal law that prohibits debt collectors from reporting inaccurate information to credit reporting agencies. The FCRA also limits how debt collectors can access and use your credit report.

If you think Resurgent Capital Services violated your rights under these laws, learn how we can help by visiting our debt collection harassment page. You also can complete our contact form or call us at 1-800-997-5561.

Resurgent Capital Services Harassing You? Hire BCJ Law to Help.

If you’re harassed by Resurgent Capital Services, please contact BCJ Law for help. You can get damages, attorneys fees, and costs of suit for unlawful conduct. Contact our debt collection attorney for a free case review today. Please complete our contact form or call 1-800-997-5561.

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