If you’ve found Resurgent Capital Services on your credit report, you’re probably wondering who they are, why they’re contacting you, and how to deal with them. Here’s everything you need to know.
What Is Resurgent Capital Services?
Resurgent Capital Services, LP is a debt collection agency based in Greenville, South Carolina, with another office in Cincinnati, Ohio. They’re part of the Sherman Financial Group and often show up on credit reports when they’re collecting on behalf of debt buyers like:
If Resurgent appears on your credit report, it likely means one of your debts was sold or transferred to them for collection.
Who Do They Collect For?
Resurgent works with credit card companies, banks, lenders, and third-party debt buyers. Their job is to manage and collect unpaid debts that these companies no longer want to handle themselves.
Are They a Legitimate Company?
Yes, Resurgent Capital Services is a real debt collector. They’re authorized to collect debts and operate within the bounds of U.S. law. That said, just because they’re legit doesn’t mean every account they report is accurate. Always verify any debt before making a payment.
How to Remove Resurgent Capital Services From Your Credit Report
A collection account can drag down your credit score for up to seven years, even if you eventually pay it off. Here are your options:
- Dispute the entry: If there are errors—wrong balance, wrong dates, or if it’s not your debt—you can file a dispute with the credit bureaus.
- Request debt validation: You can send Resurgent a letter asking them to prove the debt is yours and that they have the right to collect it.
- Negotiate a pay-for-delete: You offer to settle the debt in exchange for having it removed from your credit report. Not all agencies agree, but some do.
- Work with a credit repair service: These professionals can help you dispute inaccurate collections and deal with agencies like Resurgent more effectively.
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Should You Pay Resurgent Capital Services?
Don’t rush to pay without doing your homework. First, confirm that the debt is valid, still legally collectible, and actually belongs to you. If you make a payment on an old debt, you could reset the statute of limitations, which might make it easier for the collector to sue you.
Can They Sue or Garnish Your Wages?
Yes, Resurgent can take legal action to collect on a debt. If they win a lawsuit against you, they could garnish your wages or seize funds from your bank account. That said, suing is usually a last resort. Most collectors will try to work out a payment arrangement before going to court.
Common Complaints Against Resurgent Capital Services
Like many collection agencies, Resurgent has its share of complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). The most common issues include:
- Reporting inaccurate information
- Failing to verify debts
- Repeated or harassing phone calls
If you’re experiencing any of this, you can file a complaint with the CFPB or your state attorney general.
Know Your Rights Under Federal Law
You’re protected by the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These laws give you several important rights when dealing with collectors like Resurgent:
- You can dispute inaccurate or incomplete items on your credit report.
- You can request debt validation within 30 days of first being contacted.
- They can’t harass, threaten, or lie to you. This includes things like repeated phone calls, using profanity, or pretending to be someone they’re not.
- They must identify themselves clearly and state that they are attempting to collect a debt.
- They cannot threaten arrest or jail time for unpaid debts. That’s illegal.
Contact Information for Resurgent Capital Services
- Mailing Address:
Resurgent Capital Services
P.O. Box 10497
Greenville, SC 29603 - Office Location:
55 Beattie Place, Suite 110
Greenville, SC 29601 - Phone Number: (888) 665-0374
Need Help Removing Resurgent From Your Credit?
Dealing with debt collectors can be stressful—especially when it’s unclear what’s accurate. A credit repair company can step in to handle disputes, communicate with agencies, and help clean up your report.
Credit Saint has experience working with collection agencies like Resurgent and has helped thousands of people improve their credit. They also offer a 90-day money-back guarantee if the service doesn’t work for you.
Visit their website or call (855) 281-1510 to learn more.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
