Resurgent Capital Services on Your Credit Report? Fight Back and Win

Last Updated:
April 22, 2023

Resurgent Capital Services is a third-party debt collector known for aggressive debt collection practices. If you’re tired of this company's never-ending phone calls and emails, you’re not the only one. Fortunately, you can take steps to stop the calls and even have the debt removed from your credit report.

Continue reading to learn everything you need to know about Resurgent Capital Services and the best steps to clear your credit.

What Does Resurgent Capital Do?

Resurgent Capital Services is a third-party debt collection agency. They provide recovery (i.e., debt collection) services to creditors, banks, and other financial institutions. They collect many types of debt (typically on behalf of LVNV Funding), including credit card debt, medical debt, and student loan debt. In most cases, this company recovers or attempts to recover unpaid and past-due debts by contacting borrowers via phone calls, letters, e-mails, and more.

Is Resurgent Capital Services a Legitimate Company?

Yes. Resurgent Capital Services is a legit debt collection business. If you receive a letter, phone call, e-mail, or another form of communication from Resurgent Capital - they are not a scam. 

Learn more information about Resurgent Capital below: 

  • Phone Number: 1-864-248-8700 & 1-888-665-0374
  • Website:
  • Address: P.O. Box 10497 Greenville, SC 29603
  • BBB Rating: 1/5 

While Resurgent Capital is a legitimate company, it doesn’t have a great online reputation. In many cases, there have been reports of this company attempting to collect debts from the wrong person, collecting the wrong amounts, placing harassing phone calls, and making false statements or representations. 

Continue reading to learn why you’re getting phone calls from Resurgent Capital and what to do if you’re getting harassed by this company or another debt collector.

Why Am I Getting Phone Calls From Resurgent Capital? 

Have you received a phone call from Resurgent Capital Services? If so, they typically make phone calls to people to collect outstanding debts on behalf of their clients.However, sometimes, Resurgent Capital mistakenly attempts to collect debts based on inaccurate information on your credit report. For example, they may call about:

  • Debts you’ve already paid
  • Debts that aren’t yours
  • Accounts opened due to identity theft
  • Debts that are falsely reported as late or unpaid

Suppose you’re receiving calls asking for payment on a debt that you paid off last year. In that case, it’s recommended that you work with a credit repair company or fair credit attorney you can trust to fix credit errors or inaccuracies quickly.

What Can I Do If I’m Being Harassed By Resurgent Capital?

Debt collection harassment refers to any behavior that is abusive, oppressive, or harassing by a debt collector. If you’re being harassed by a debt collector such as Resurgent Capital Services, it's essential to know your rights under the Fair Debt Collection Practices Act (FDCPA).

This federal law outlines what debt collectors can and cannot do when attempting to collect a debt, including but not limited to the following:

  • Using profane or abusive language
  • Threatening violence or harm
  • Communicating at inconvenient times or places
  • Making repeated calls to annoy, abuse, or harass
  • Providing false or misleading information
  • Threatening arrest or imprisonment
  • Threatening legal action that is not allowed or intended
  • Using unfair or deceptive practices

If you believe Resurgent Capital Services has violated the FDCPA, it’s essential to document the harassment you’re experiencing, and consider sending them a cease-and-desist letter if necessary. If they continue to violate FDCPA laws, file a complaint with the Consumer Financial Protection Bureau (CFPB) or Federal Trade Commission (FTC). 

Remember that while debt collection agencies are subject to regulation, they may still use aggressive tactics in order to collect – if you need help managing your debts, contact a credit counselor or FDCPA attorney for guidance.

Who Does Resurgent Capital Services Collect For?

Resurgent Capital is a third-party debt collection service. Our research shows that some of their most notable clients include Verizon Wireless, Capital One, Citibank, SoFi, and countless others.

If you’ve received phone calls from Resurgent Capital Services about debt that’s not yours, already paid, or up-to-date on payments, it’s essential to work with an FCRA attorney that can clear your credit report of these common inaccuracies and potentially seek damages on your behalf. 

How Can I Get Resurgent Capital Off My Credit Report? 

If you have a debt referred to Resurgent Capital Services, there are several steps you can take to try and have it removed from your credit report. These include:

  • Obtain a copy of your credit report from all three major credit bureaus (Equifax, Experian, and TransUnion) and review it for accuracy. If you find any errors, dispute them with the credit bureau in question or work with credit specialists who can help.
  • Try negotiating a settlement or payment plan with Resurgent Capital Services. Make sure to get any agreements in writing and keep a copy for your records.
  • Wait for the statute of limitations on the debt to expire. This varies by state and type of debt - so that Resurgent Capital can no longer sue you.
  • Contact a credit repair agency if you need help dealing with debt. They can also provide advice and guidance on managing your debt and improving your credit score.
  • Work with an FCRA lawyer to get credit report errors resolved. 

It’s essential to note that negative information can stay on your credit report for up to seven years, but you can take steps now to improve your credit standing over time by paying debts on time and maintaining good credit habits.

Contact Us For Your Free Case Review

Whether Resurgent Capital Services is attempting to collect a debt that’s not yours or you’re tired of being harassed, the attorneys at Fair Credit, LLC are here to help you take back control of your finances and credit score. Reach out to us today for your free case review.

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