What Resurgent Capital Services is

Resurgent Capital Services L.P. is a debt collector in Greenville, South Carolina, with NMLS ID 2301. In a 2019 opinion, the Maryland Court of Appeals, relying on 2011 findings of the Maryland Commissioner of Financial Regulation, described Resurgent as a limited partnership formerly known as Alegis Group Limited Partnership. It said Resurgent "acts as the master servicer for charged-off consumer debt owned by LVNV" and that Sherman Financial Group owns 99 percent of it as a limited partner.

LVNV Funding's website says LVNV "outsources the management of its portfolio of accounts" to Resurgent and that Resurgent may contact consumers directly or through partner agencies.

Why Resurgent may appear on your credit report or in your mail

Resurgent manages accounts that other companies own, including LVNV Funding. A letter can come from Resurgent while your credit report names LVNV Funding as the owner. Write down both names when you compare the entry with your records. See our guide to LVNV Funding for the owner side.

Public enforcement record

The records below come from a state regulator and the CFPB. Each item lists what the record says, not a finding about your account.

2021 Connecticut consent order

On August 26, 2021, the Connecticut Banking Commissioner entered a consent order with Resurgent Capital Services L.P. after an investigation by the Consumer Credit Division. The Commissioner alleged that Resurgent "collected interest on certain Connecticut consumer debtor accounts," in violation of Section 36a-809-12 of the Regulations of Connecticut State Agencies and Section 36a-808 of the Connecticut General Statutes. Resurgent paid a $2,500 civil penalty.

Maryland findings

The Maryland Commissioner's 2011 enforcement action was brought against LVNV and its affiliates, and the 2019 court opinion lists Resurgent among those affiliates. Our LVNV Funding guide covers that action.

CFPB complaint database

As of October 14, 2026, the CFPB Consumer Complaint Database held 73,364 complaints filed under Resurgent Capital Services L.P. Of those, 53,521 were about debt collection. The most common issues were "Attempts to collect debt not owed" (21,614), "Written notification about debt" (10,149), and "False statements or representation" (9,385). "Incorrect information on your report" accounted for 9,333. A complaint count is not a finding of wrongdoing.

How to check a Resurgent entry against your own records

  1. Find the validation notice. Under 15 U.S.C. 1692g(a), a debt collector must send a notice within five days after it first contacts you to collect the debt. The notice gives the amount, the creditor, and your right to dispute the debt within 30 days. It does not have to send one if its first message already gave this information or if you have paid the debt. A court complaint in a lawsuit does not count as that first contact. Neither does a tax, privacy, or data-breach notice that the law requires.
  2. Write down every name. Note the current owner, such as LVNV Funding, the original creditor, and any agency that contacted you for Resurgent.
  3. Compare the details. Check the balance, the dates, and any payments against your own statements, receipts, and letters.
  4. Compare all three reports. Check whether the same account appears in the same way at each credit bureau, and note every difference.
  5. Note the contact details. Resurgent's website lists P.O. Box 10497, Greenville, SC 29603, and phone 1-888-665-0374.

How to dispute an inaccurate Resurgent entry

  1. Dispute in writing within 30 days of the validation notice. A timely dispute stops collection of the disputed amount until the collector obtains verification and mails you a copy. You can also ask in writing for the original creditor's name and address. A timely request stops collection of the debt until the collector answers it (15 U.S.C. 1692g(b)).
  2. Dispute with each credit bureau that shows the error. The bureau must reinvestigate within 30 days (45 at most if you send relevant information during that time or dispute after a free annual report) and tell the furnisher within 5 business days. It must delete or modify an item it finds inaccurate, incomplete, or unverifiable (15 U.S.C. 1681i(a), 1681j(a)(3)).
  3. Expect a furnisher investigation. After the bureau notifies the furnisher, it must investigate and correct, delete, or block an item it finds inaccurate, incomplete, or unverifiable (15 U.S.C. 1681s-2(b)).
  4. Check the disputed status. If you tell the furnisher directly that the information it reports is inaccurate or incomplete, it may not report that information again without a note that you dispute it (15 U.S.C. 1681s-2(a)(3)).
  5. Keep copies. Keep every letter you send and every response you receive, with the dates.

These rules require an investigation. They do not promise a particular result. For the same rights applied to other companies, see the collection account guides.