Settle Debt with Resurgent Capital Services: 2025 Guide

Resurgent Capital Services and LVNV Funding work together to collect old debts. You have powerful legal rights that can help you fight back. Here’s how to handle these debt collectors and protect yourself from unfair collection tactics.

What Is Resurgent Capital Services?

Resurgent Capital Services is a third-party debt collection agency. LVNV Funding purchases delinquent debt accounts from major banks and lenders. They buy debt from Citibank, Best Egg, Capital One, SoFi, and others.

Don't Let Resurgent Capital Services Win by Default

If LVNV Funding has sued you, you must respond before the deadline or face automatic wage garnishment. Our partner Solo helps you draft a proper legal Answer and negotiate a settlement without hiring an expensive attorney.

Answer the Lawsuit Now

After LVNV Funding acquires these debt accounts, they assign Resurgent Capital Services to collect them. Your debt may have been sold to LVNV Funding. You might receive calls from Resurgent Capital Services trying to collect what you allegedly owe.

Who Does Resurgent Capital Services Collect For?

Resurgent Capital Services collects exclusively for LVNV Funding. LVNV Funding purchases old debt accounts from big creditors like Capital One, Chase, Citibank, Discover, and Wells Fargo.

If you’ve fallen behind on a credit card debt and it’s been charged off, LVNV Funding may have purchased it. They then hire Resurgent Capital to collect it.

To beat Resurgent Capital Services and LVNV Funding, you need to understand your rights. Knowledge is your best defense against aggressive debt collectors.

Force Resurgent Capital Services to Validate Your Debt

Send a Debt Validation Letter

Some debt collectors pursue debts you don’t even owe. Identity theft, mistaken identity, or resurrected old debt can cause these errors. Don’t accept ownership of the debt without sufficient evidence.

You have the right to ask Resurgent Capital Services and LVNV Funding to validate your debt. Send a Debt Validation Letter in writing. Don’t submit this request verbally because it may not hold weight in court.

Use certified mail to send the request and keep the return receipt. Debt collectors can’t contact you about the debt again until they provide the evidence you’ve requested.

If Resurgent Capital Services can’t verify your debt, you may be off the hook completely. Validation letters are one of your most powerful tools.

Example: Brittany randomly received a notice from Resurgent Capital Services claiming she owed $700 in unpaid credit card debt. After investigating, she learned that LVNV Funding had purchased an old debt portfolio from Wells Fargo. She had already paid off all her debts to the bank. She drafted a Debt Validation Letter through our partner Solo, forcing Resurgent to prove the debt was valid. Brittany never heard from the collectors again.

Dispute the Debt

Resurgent Capital Services and LVNV Funding must send you a written debt validation notice. They must do this within five days of the initial contact. The notice should state your right to dispute the debt’s validity within 30 days.

If the initial communication was through a letter, they can include the debt validation notice in that first letter. The Fair Debt Collection Practices Act allows this.

Ignoring the debt validation notice won’t make the debt disappear. Instead, it could complicate the entire process for you.

If you don’t respond within 30 days of the initial contact, the debt collector will assume the debt is valid. They may pursue legal means to recover what you supposedly owe. They might even file a debt collection lawsuit against you.

If you are confident the debt is invalid, dispute it immediately. The debt might be fraudulent, past the statute of limitations, or for an incorrect amount. Disputing can prevent a future lawsuit and collection attempts.

Mail a dispute letter to LVNV Funding LLC c/o Resurgent Capital Services at P.O. Box 10497, Greenville, SC 29603. Keep a copy of your dispute letter for your records.

Your Consumer Rights Protect You from Unfair Debt Collectors

You have rights protected by the Fair Debt Collection Practices Act (FDCPA). When Resurgent Capital Services and LVNV Funding contact you about a debt, you can demand specific protections.

Stop Contacting You

You can request them to stop contacting you entirely. Submit this request in writing. The only reason these debt collection companies can contact you afterward is to inform you about their next legal action.

Call You at Specific Times

Debt collectors can’t call you before 8 a.m. or after 9 p.m. If you want them to contact you at a specific time, inform them in writing. They must respect your preferred contact times.

Stop Calling Your Workplace

It’s illegal for debt collectors to call you while at work if your employer prohibits it. If they call you at work, inform them to stop in writing. Your job shouldn’t be jeopardized by debt collection calls.

Respect Your Privacy

Resurgent Capital Services and LVNV Funding can’t discuss your debt with anyone other than you or your attorney. They can’t call your boss to inform them about the amount you supposedly owe. However, they may contact your spouse, attorney, parent, or legal guardian if you’re under 18.

Tell the Truth

Debt collectors can’t lie about anything regarding your debt. Whether it’s about the actual debt amount or the consequences of not paying, Resurgent Capital Services and LVNV Funding can’t lie or threaten you. They can’t threaten you with jail time or misrepresent information to scare you into paying.

Choose What You Wish to Pay

If you owe Resurgent Capital Services and LVNV Funding more than one debt, you can choose which debt account you want to pay. They can’t use your payment to settle a debt you’ve disputed.

Respond to a Debt Lawsuit from LVNV Funding

If Resurgent Capital Services and LVNV Funding file a debt collection lawsuit against you, you still have options. They’ll serve you with a debt collection Summons and Complaint. The first step to winning in court is responding to the Summons and Complaint properly.

Failure to respond can lead the judge to pass a default judgment against you. Resurgent Capital Services and LVNV Funding gain the legal right to collect the debt through different processes. They can garnish your wages, freeze your bank accounts, or place liens on your property.

To avoid default judgment, you must respond to the Summons and Complaint by filing a written Answer. You have a deadline to file your Answer. The deadline is typically 14 to 30 days depending on your state.

Our partner Solo can help you draft your Answer and respond to the lawsuit properly. Don’t let the deadline pass or you’ll lose your chance to fight back.

Negotiate and Settle Debt with Resurgent Capital Services and LVNV Funding

Most debt collection companies, including Resurgent Capital Services and LVNV Funding, prefer to solve the debt problem without a lawsuit. Lawsuits are stressful and time-consuming for them too. If they verify your debt, you can discuss a payment plan or settlement with the debt collection agency.

If the matter goes to court, you must respond to avoid a default judgment. After you’ve responded to the lawsuit, you can reach out to the collector to discuss settling. Settling for less than you owe is possible with the right strategy.

Debt settlement negotiation can be easier with professional help. You can send and receive settlement offers until you reach an agreement. You don’t have to talk to the debt collectors directly, and you avoid going to court.

When negotiating with LVNV Funding and Resurgent Capital Services, start with a low offer. Offer 30-50% of the debt amount. They may counter with a higher amount. You can negotiate until you reach an acceptable settlement amount.

Get any settlement agreement in writing before you pay a single dollar. The agreement should state the settlement amount and confirm that the debt will be marked as settled. Without a written agreement, the collector could take your money and continue pursuing you for the remaining balance.

Contact Information for Resurgent Capital Services and LVNV Funding

If you need to contact Resurgent Capital Services or LVNV Funding, here’s their contact information:

Resurgent Capital Services mailing address: P.O. Box 10497, Greenville, SC 29603
LVNV Funding mailing address: c/o Resurgent Capital Services, P.O. Box 10497, Greenville, SC 29603
Phone number: 1-800-961-7536

Always communicate with debt collectors in writing when possible. Written communication creates a paper trail you can use in court if necessary.

Frequently Asked Questions

What is Resurgent Capital Services and who do they collect for?

Resurgent Capital Services is a third-party debt collection agency that exclusively collects for LVNV Funding. LVNV Funding purchases old, charged-off debt accounts from major creditors like Capital One, Chase, Citibank, Discover, and Wells Fargo. When LVNV Funding buys your debt, they assign Resurgent Capital Services to collect it from you.

How do I validate a debt with Resurgent Capital Services?

Send a written Debt Validation Letter to Resurgent Capital Services via certified mail within 30 days of their initial contact. Request proof that you owe the debt, including documentation of the original creditor, the debt amount, and proof that they have the legal right to collect. They must stop collection attempts until they provide this verification.

Can Resurgent Capital Services sue me for old debt?

Yes, Resurgent Capital Services and LVNV Funding can sue you for old debt if it's within your state's statute of limitations. If they do sue you, you must respond with an Answer before the deadline (typically 14-30 days). Failing to respond results in a default judgment, which allows them to garnish your wages or freeze your bank accounts.

What should I do if LVNV Funding files a lawsuit against me?

Respond immediately by filing a written Answer to the Summons and Complaint before your state's deadline. Your Answer should include affirmative defenses like the statute of limitations, lack of proof, or improper documentation. After responding, you can negotiate a settlement. Never ignore a lawsuit because that guarantees you'll lose by default judgment.

Can I settle my debt with Resurgent Capital Services for less than I owe?

Yes, you can often settle debt with Resurgent Capital Services and LVNV Funding for 30-50% of the original amount. Start with a low offer and negotiate until you reach an agreement. Always get the settlement agreement in writing before making any payment. The written agreement should confirm the settlement amount and state that the debt will be marked as settled in full.

How to Settle Debt with Resurgent Capital Services and LVNV Funding