If you’ve been contacted by Resurgent Capital Services, either by phone or through a letter, you're probably feeling uneasy.
Who are they? Why are they contacting you? And what happens if you do nothing?
This guide will help you understand what you’re dealing with. It’s written in plain English — no legal jargon, no scare tactics. Just the facts, and your options.
By the end, you’ll have a much clearer picture of who Resurgent Capital Services is, what they want, and what steps you can take next.
Who is Resurgent Capital Services?
Resurgent Capital Services is a third-party debt collection agency based in Greenville, South Carolina. They don’t usually own the debts themselves — instead, they collect on behalf of other companies, especially LVNV Funding LLC, a major debt buyer.
In many cases, LVNV purchases old debt from original creditors like Capital One, Synchrony Bank, or Credit One. Then, Resurgent Capital is hired to collect on those accounts. So even if you don’t recognize Resurgent’s name, they may be collecting a debt tied to a company you do recognize.
They are a legitimate company, not a scam. But they are known for being persistent, and sometimes aggressive, in their collection tactics. Like all collectors, they must follow the Fair Debt Collection Practices Act (FDCPA) and other consumer protection laws.
Why Are They Contacting You?
Resurgent is likely contacting you because they believe you owe money on an account they’re collecting. This often happens after an unpaid credit card or personal loan is charged off by the original creditor and sold to a debt buyer like LVNV Funding.
Here’s a common scenario:
You fall behind on payments due to illness, job loss, or financial strain
After several months, your original creditor charges off the account
That debt is then sold to a company like LVNV Funding
LVNV hires Resurgent Capital Services to collect
So even if you never opened an account with "Resurgent," that’s why they’re now involved.
Often the letter you receive will say something like:
"Original Creditor: Synchrony Bank — Account ending in 1234. New creditor: LVNV Funding LLC. This account is being serviced by Resurgent Capital Services."
PRO TIP: If you’re not sure the debt is yours, you have the right to request a debt validation letter. This forces the collector to prove they have the right person and the correct amount. Never make a payment until you’ve received and reviewed that letter.
What Happens If You Ignore Them?
It’s tempting to avoid dealing with collection notices. Nobody enjoys those calls. But ignoring Resurgent Capital Services can lead to bigger problems.
Here’s what might happen if you do nothing:
The collection activity continues and may intensify
Your credit report could take a hit
The debt might be escalated to legal action
You could be sued by LVNV Funding (with Resurgent still managing the account)
If you don’t respond to the lawsuit, a default judgment could be entered against you
That judgment might lead to wage garnishment or a bank levy, depending on your state laws
PRO TIP: If you get a court summons or lawsuit notice, don’t ignore it. Even if you think the debt is too old or invalid, failing to respond can result in a judgment against you.
Can You Settle with Resurgent Capital Services?
Yes. In fact, settlement is common with debts managed by Resurgent, especially since the debt owner (often LVNV) bought the account for less than its face value.
You may be able to negotiate:
A lump sum settlement for less than the full amount
A structured payment plan
A settlement with language that prevents future collection
But be careful.
Before you negotiate:
Request a debt validation letter if you haven’t already
Confirm that the debt is within your state’s statute of limitations
Don’t agree to anything unless it’s in writing
Also, keep in mind that paying a collection doesn’t immediately erase it from your credit report. The account will typically stay on your report for up to 7 years from the date of your first missed payment.
DIY vs. Hiring Help
You can choose to deal with Resurgent Capital Services on your own. Some people successfully negotiate settlements themselves, especially if the balance is small and they’re confident speaking with collectors.
But if you’re dealing with:
Multiple collection accounts
Lawsuit threats
High balances
Confusion or stress that’s keeping you up at night
... then getting help from a debt relief professional can be a game changer.
At Donaldson Williams, we specialize in negotiating with companies like Resurgent and LVNV Funding. We know their patterns, what’s realistic, and how to protect your interests.
We’re not a big call center. We don’t make empty promises. Just real people who know how to help you breathe again.
Common Questions About Resurgent Capital Services
Is Resurgent Capital Services legit?
Yes. They’re a real debt collection agency that works primarily on behalf of LVNV Funding and other debt buyers. That said, legitimacy doesn’t mean their claims are always accurate — always verify.
Can Resurgent sue me?
Technically, Resurgent doesn’t usually sue people — the debt owner (like LVNV) would be the one to file a lawsuit. But if you get a legal notice and Resurgent is listed as the servicer, take it seriously.
Can they garnish my wages?
Only after a court judgment. Garnishment doesn’t happen automatically. They must sue you, win, and then follow the legal process for garnishment.
Should I pay them?
Not right away. First, verify that the debt is yours and still legally collectible. Then decide if payment, settlement, or professional help makes the most sense for your situation.
Why is LVNV Funding listed on the letter?
LVNV is usually the debt owner. Resurgent is just managing the account on their behalf. Think of LVNV as the client and Resurgent as the contractor.
What to Do Next
Dealing with Resurgent Capital Services can stir up a lot of anxiety — especially when you didn’t see it coming. But now that you know who they are, what they want, and how it works, you’re in a stronger position.
If you’re not sure what to do next, take our free Debt Relief Quiz. It’s short, private, and gives you a better sense of your options based on your specific situation.
Or if you’d rather just talk to someone, we’re here. At Donaldson Williams, we handle situations like this every day. No scripts. No pressure. Just honest help.
You’re not alone. You don’t have to navigate this alone. And you deserve a path forward that actually feels like one.
