Who is Resurgent Capital Services?
Resurgent Capital Services, LP (RCS) is a debt collection agency located in Greenville, South Carolina. They also have a location in Cincinnati, Ohio.
RCS is a member of the Sherman Financial Group. Resurgent Capital Services may contact you as a servicer for accounts owned by:
If you see Resurgent Capital Services listed on your credit report as a collections account, it typically means that you have an outstanding debt that has been assigned or sold to them for collection.
Who does Resurgent Capital Services collect for?
Resurgent Capital Services specializes in managing and servicing consumer debt portfolios for credit grantors and debt buyers. They work with various entities, including credit card companies, lenders, and debt buyers, to manage and collect on outstanding consumer debts.
Is Resurgent Capital Services legit or a scam?
Resurgent Capital Services is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove Resurgent Capital Services from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Resurgent Capital Services Contact Information
Mailing address:
Resurgent Capital Services
P.O. Box 10497
Greenville, SC 29603
Address:
Resurgent Capital Services
55 Beattie Pl Ste 110
Greenville, SC 29601
Phone number: (888) 665-0374
Should I contact or pay Resurgent Capital Services?
Before contacting a debt collector, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with a collection agency is to work with a credit repair professional. They help remove millions of negative items every year from companies like Resurgent Capital Services on behalf of their clients.
Will Resurgent Capital Services sue me or garnish my wages?
Resurgent Capital Services (RCS) has the legal authority to sue for unpaid debts. If they decide to pursue a lawsuit and are successful in court, they may obtain a judgment that allows them to garnish your wages or take other legal actions to collect the debt.
However, it’s important to note that filing a lawsuit and garnishing wages is typically considered a last resort for debt collectors. Legal proceedings can be time-consuming, costly, and complex. Debt collection agencies generally prefer to explore alternative options, such as negotiation, settlement arrangements, or payment plans, before resorting to legal action.
Resurgent Capital Services Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you find yourself facing any of these situations with Resurgent Capital Services, you should also consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Resurgent Capital Services
Debt collectors must follow state and federal laws. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that debt collection agencies don’t take advantage of you. In particular:
- It is a violation of federal law for Resurgent Capital Services to report inaccurate or incomplete information about you to the credit reporting agencies.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
- A debt collector cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- They must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- They cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Resurgent Capital Services From Your Credit Report Today!
Credit Saint offers assistance with disputing Resurgent Capital Services collections. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
