Sued by Resurgent Capital Services / LVNV? We'll Help You Respond and Push for Less
Resurgent Capital Services is the servicing arm for several debt buying entities and is closely affiliated with LVNV Funding. Resurgent manages the collection and litigation operations for debts owned by LVNV and other Encore Capital Group entities. If Resurgent contacts you, the debt is likely owned by LVNV Funding or another Encore subsidiary. They face the same types of FDCPA challenges as their affiliated companies.
Type
Debt Buyer
Parent Company
Encore Capital Group
Common Debt Types
credit card, medical, personal loan, retail credit
Common FDCPA Violations by Resurgent Capital Services / LVNV
Collecting on behalf of LVNV without disclosing the debt buyer's identity
Sending misleading collection letters that imply legal action is imminent when it is not
Failing to properly validate debts when challenged
Continuing collection on disputed debts without proper verification
Attempting to collect debts discharged in bankruptcy
Your Situation With Resurgent Capital Services / LVNV
If Resurgent Capital Services / LVNV Has Not Sued You Yet
You have more leverage. Act now — this is the best time to negotiate.
- Pre-suit negotiations typically get better settlements
- If you are within 30 days of first contact, we send a debt validation letter
- Statute of limitations may bar the debt entirely
If Resurgent Capital Services / LVNV Has Already Filed a Lawsuit
Do not wait. The collector expects 70-80%, but we still push for less.
- You typically have a 30-day response deadline
- Missing the deadline can result in a default judgment
- Attorney negotiation still reduces the amount significantly
How We Handle Resurgent Capital Services / LVNV Cases
- Free case review. Tell us about the debt and whether you have been sued. We check the statute of limitations, screen for FDCPA violations, and determine if debt validation applies — at no cost.
- Debt validation (if applicable). If you are within 30 days of Resurgent Capital Services / LVNV's first contact, we send a debt validation letter via certified mail. This forces them to pause collection and prove the debt is valid.
- We evaluate your defenses. Common defenses against Resurgent Capital Services / LVNV include statute of limitations, lack of standing (they cannot prove they own your debt), incorrect amount, and FDCPA violations.
- You approve, we send. We prepare your response and settlement offer for Resurgent Capital Services / LVNV with your applicable defenses and financial circumstances built in; you review and sign, and we send it on your behalf.
- Written settlement agreement. We get everything in writing before you pay — exact amount, payment deadline, dismissal with prejudice (if sued), and full release of claims.
- FDCPA violations flagged. If Resurgent Capital Services / LVNV broke the law, you may be entitled to damages — we help you document it and can connect you with a licensed attorney to pursue a claim.
Your Rights When Sued by Resurgent Capital Services / LVNV
Right to demand proof they own the debt
Right to dispute the amount claimed
Right to raise statute of limitations defense
Right to damages for FDCPA violations
Sued by Resurgent Capital Services / LVNV in Your State?
Frequently Asked Questions About Resurgent Capital Services / LVNV
Who is Resurgent Capital Services?
Resurgent Capital Services is the collection servicing company for LVNV Funding and other Encore Capital Group debt buying entities. They manage day-to-day collection activities.
Is Resurgent the same as LVNV Funding?
They are affiliated. LVNV owns the debt; Resurgent manages the collection. In a lawsuit, the plaintiff will typically be LVNV Funding, but Resurgent may have been the entity contacting you.
Can I request validation from Resurgent?
Yes. Under the FDCPA, Resurgent must provide debt validation within five days of first contact and must verify the debt if you dispute it in writing within 30 days.
What are my rights when Resurgent contacts me?
You have the right to dispute the debt, request validation, demand they cease contact, and file a complaint with the CFPB. If they violate the FDCPA, you may be entitled to damages.
Reviewed by Ariella, Esq. This information is for educational purposes and does not constitute legal advice.
Get Your Free Resurgent Capital Services / LVNV Case Review
We prepare your response and settlement offer for Resurgent Capital Services / LVNV; you review and approve everything. Free case review — no obligation.