How to Negotiate With Resurgent Capital Services Debt Collector

You’ve received calls, letters, or emails from Resurgent Capital Services. They want to collect a debt.

Resurgent Capital Services is a debt collection agency. They specialize in unpaid credit cards and medical debts.

The constant contact feels overwhelming. You worry about what actions they might take next. Money is already tight, and old debts hanging over your head don’t help.

Good news: You can resolve this debt and move forward. Below are proven strategies to negotiate with Resurgent Capital Services and settle for less.

What Is Resurgent Capital Services?

Resurgent Capital Services (RCS) is a debt collection agency. They’re based in Greenville, SC.

Since 2017, RCS has maintained an A+ rating with the Better Business Bureau.

Their call center operates Monday-Thursday 8:00 AM–9:00 PM, Friday 8:00 AM–7:00 PM, and weekends 8:00 AM–5:00 PM EST at 1-888-665-0374.

Keep communication in writing. Use their online portal or mail documents to: Resurgent Correspondence, P.O. Box 10497, Greenville, SC 29603.

Who Does Resurgent Capital Services Collect For?

Resurgent Capital Services collects consumer debts from various companies:

• Credit card companies
• Banks
• LVNV Funding, LLC
• CACH
• Medical providers

They buy debt from other companies at a discount. Then they seek to recover the full amount from consumers. Sometimes they hire smaller collection firms to help.

Check Online Reviews for Resurgent Capital Services

Online reviews show what others experienced with RCS. Remember that negative experiences get reviewed more often.

You can find reviews at:

• CFPB consumer database
• Better Business Bureau
• Google

Linda left a Google Review stating:

“This company is actually better to work with than the original creditor. Extremely patient company, and they offer so many different options and lengths of repayment times that there is definitely one that can work for anyone. I am really impressed. Resurgent – thanks for making my life better by creating a very simple and straightforward process to resolve debt. I appreciate it.”

RCS has contacted you. You may owe them or someone they represent money. Don’t ignore a debt collection notice or lawsuit. Even if you don’t believe you owe the debt.

You have options to negotiate, reduce, or dispute the debt.

What to Do If Resurgent Capital Services Pursues You

Take these actions when Resurgent Capital Services contacts you:

1. Review the Debt Collection Letter

Debt collection agencies purchase hundreds of unpaid debts at once. They pay a fraction of the actual value.

Agencies mix up essential customer details during purchasing. They store incorrect information in their collection systems.

Common errors include wrong amounts, incorrect addresses, or contacting the wrong consumer.

Don’t ignore the letter. Read through the entire communication. Compare each item to your records.

Check your contact information, prior creditor details, and due amount.

If you recognize the debt, compare the amount and account number. Details that don’t match indicate a potential error.

If you don’t recognize the debt, RCS may have mixed up accounts. You might be a victim of identity theft.

2. Send a Request for Debt Validation

Don’t believe the debt is yours? Need more information? Send a debt validation letter to Resurgent Capital.

A debt validation letter requires RCS to provide additional information about the debt.

You must send this letter within 30 days. Otherwise, the company assumes the debt is valid. They’ll begin full collection activities against you.

Once RCS receives your request, they’ll assemble account information. They’ll send it to you.

Sometimes Resurgent Capital won’t have the details needed to collect.

3. Dispute the Debt With Resurgent Capital

Sometimes consumers have valid reasons to dispute a debt. The debt may not be theirs. They may have already paid it off.

Many reasons can lead to dismissal if you have supporting evidence.

Identity theft victims should assemble documentation concerning their case. Complaints to the FTC, credit reporting bureaus, and local law enforcement all help.

If you previously paid the debt, provide a canceled check copy. Show the statement with the payment.

Outline the circumstances clearly. Provide the necessary evidence. Better support increases the likelihood RCS will stop collection activities.

4. Make Sure Resurgent Capital Follows FDCPA Rules

The FDCPA passed the Debt Collection Rule in late 2021. The new rule establishes specific protocols debt collectors must follow.

Resurgent Capital must follow these requirements:

• Not calling before 8 AM or after 9 PM
• Limiting calls to seven times within seven days
• Not contacting a consumer within seven days after the previous conversation
• Not harassing the consumer via email or social media when they opt out

If Resurgent Capital violates your rights, file a complaint with the FDCPA and BBB.

What to Do If Your Debt Is Valid

If the debt Resurgent Capital seeks is valid, you have options. You can pay off the debt, attempt to settle, establish a payment plan, or ignore communication.

1. Pay Off Debt With Resurgent Capital Services

If you have the money available, pay off the entire debt. Your account will clear without more damage to your credit report.

Resurgent Capital will report the debt paid in full. You won’t worry about further collection activity.

Call Resurgent Capital and state you’d like to pay off your account. Ask them to send a letter documenting the bill as paid in full.

2. Settle a Debt With Resurgent Capital Services

If you have enough money in savings, settle the valid debt as soon as possible. Settling allows you to obtain a discount for paying a portion in one lump sum.

For instance, offer a lump-sum payment of 50% of your balance. Exchange it for a settlement agreement.

Debt collection agencies sometimes accept less money for a one-time payment. Once you reach a deal and pay, your account closes. You won’t hear from their collectors again.

Our partner Solo offers a web-based app to track communication with debt collectors. Make payments safely using their online payment portal.

Get a debt settlement agreement in writing. Both parties must sign to ensure the agreement is binding.

Four steps when deciding if debt settlement is right:

1. Review your financial situation. Determine how much you can reasonably afford in a lump sum. Offer less than your maximum in case RCS counters.
2. Make sure the debt is valid. Check that information is correct. Verify the debt hasn’t exceeded the statute of limitations. If the last activity passed the statute of limitations, the debt is time-barred. The debt collector cannot sue you. You may still negotiate to stop collection attempts.
3. Make the offer. Initiate discussions by outlining what you’ll pay and when you can pay if accepted.
4. Get a debt settlement agreement signed by both parties. Send your payment.

3. Set Up a Payment Arrangement

Many people don’t have savings for a lump sum payment. If that’s you, try negotiating a payment arrangement.

Under a payment arrangement, you’ll make monthly payments toward your debt. You’ll pay for a specific period.

Resurgent Capital will usually continue charging interest. Interest can lengthen your payoff time. However, payment arrangements benefit consumers seeking to avoid legal activity.

Resurgent Capital won’t sue you if you stick with your payment plan. They won’t seek a judgment against you.

You can save money and offer a settlement later. Do this once you have enough funds available.

4. Never Ignore Communications From Resurgent Capital

Avoiding communications is a terrible idea. Resurgent Capital won’t just disappear.

Ignoring communication attempts makes legal action more likely. Once RCS realizes you won’t address your debts, they’ll likely sue.

A lawsuit could result in a judgment. Resurgent Capital can use it to garnish your wages. They can seize your property or freeze your bank account.

You can argue against a lawsuit from Resurgent Capital. But you’ll need evidence to support your claims.

If you know the debt is yours, Resurgent Capital likely will too. Unless they don’t have supporting documentation, they’ll likely win the suit.

How to Negotiate With Resurgent Capital Services

You can negotiate with Resurgent Capital Services without hiring an attorney. Here are expert tips to help you settle:

• Be honest about your financial situation. Be truthful about your financial hardship. Collectors often have access to your financial details. Share proof like wage garnishments or multiple debts.
• Don’t make empty threats. Don’t threaten bankruptcy unless you genuinely intend to pursue it. Empty threats rarely work and can harm negotiations.
• Explain your hardship. Paint a clear picture of your financial struggles. Help Resurgent Capital understand your limitations and willingness to resolve the debt.
• Make a realistic offer. Start with an offer you can afford. Collectors will likely counter. Junk debt buyers may settle for 10-35% of total debt. Original creditors might accept 50-75%.
• Offer a payment plan if necessary. If a lump sum isn’t possible, propose a realistic payment plan. Align it with your budget to avoid future defaults.
• Stay calm. Approach negotiations calmly and professionally. Focus on a resolution that works for both parties.

What to Do If Resurgent Capital Sues You

If Resurgent Capital decides to sue you, you likely haven’t disputed their claims. You probably haven’t attempted a payment arrangement.

You can take various actions. Attempt to pay off the debt before the court date. Formulate an Answer to their Complaint. Defend yourself before a judge.

Whatever you decide, don’t ignore the court Summons. If you do, the judge will likely issue a default judgment. Resurgent Capital can pursue unwanted collection activities like wage garnishment and property seizure.

If you have a valid defense, file an Answer. An Answer establishes your defense. It provides the judge with reasons why Resurgent Capital’s claims don’t apply.

Follow these three steps to respond to a Resurgent debt collection lawsuit:

1. Respond to each claim listed in the Complaint document. Deny as many claims as possible. Force Resurgent to prove them.
2. Assert your affirmative defenses. List any legal reasons Resurgent should not win the case. Our partner Solo can help you identify which defenses are most relevant.
3. File your Answer in court before the deadline. Send a copy to Resurgent’s lawyer.

Filing an Answer is just the first step. Whether you decide to settle or fight in court, keep up with your case until it’s resolved.

You can draft and file your own Answer with our partner Solo in all 50 states.