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How to Negotiate With A Resurgent Capital Services Debt Collector

George Simons | January 30, 2025

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Negotiate with Resurgent Capital by offering a realistic lump sum or payment plan, sharing financial hardship proof, and getting all agreements in writing. Solo can help you negotiate and settle for less.

If you’re reading this article, you’ve likely received phone calls, letters, or emails from Resurgent Capital Services seeking to collect a debt. Resurgent Capital Services is a debt collection agency specializing in collecting consumer debt for unpaid credit cards and medical obligations.

Regardless of whether the debt is valid, you may be tired of hearing from the company and worried about the actions it may take against you. No one likes to have old debts hanging over their heads, especially if money is already tight.

Fortunately, there are ways to resolve the debt with Resurgent Capital Services and move on with your life. Below, we’ll cover some essential strategies you can use to negotiate with Resurgent Capital Services and settle for less.

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What is Resurgent Capital Services?

Resurgent Capital Services (RCS) is a debt collection agency based in Greenville, SC. Since its inception in 2017, the company has maintained an A+ rating with the Better Business Bureau.

To learn more, visit the Resurgent Capital Seencervices website for information about the company.

Their call center is open on Monday-Thurs. 8:00 am–9 p.m., Friday 8:00 a.m.–7:00 p.m. and on Saturday and Sunday from 8:00 a.m. to 5:00 p.m. EST at 1-888-665-0374. However, it is usually best to keep communication with a debt collector in writing. You can use their online portal for quick written communication, or you can contact them by mail at:

Resurgent Correspondence, P.O. Box 10497, Greenville, SC 29603.

Who does Resurgent Capital Services collect for?

Resurgent Capital Services collects consumer debts from a variety of companies, including:

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

They collect debts from accounts across the U.S. by buying debt from other companies and then seeking to recover the amount owed from consumers. In some situations, they hire smaller debt-collection firms to collect on their behalf.

Explore online reviews for Resurgent Capital Services

Online reviews can give you an excellent overview of what others have experienced when dealing with RCS. Remember that there is a negative bias for online reviews, especially when dealing with debt collectors. You can find reviews for RCS at:

Though no one enjoys dealing with past-due debts, Linda left a Google Review stating that:

“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.”

So, if RCS has contacted you, you may owe them or someone they represent money. Don’t risk ignoring a debt collection notice or, even worse, a lawsuit–even if you don’t believe you owe the debt. You have options to negotiate, reduce, or dispute the debt.

What should I do if Resurgent Capital Services pursues me for a debt?

If Resurgent Capital Services has contacted you regarding a debt, take the following actions:

1. Review the debt collection letter and compare it to your records

Debt collection agencies often purchase hundreds of unpaid debts at once for a fraction of their value. Debt collection agencies may mix up essential customer details during purchasing and store incorrect information in their collection systems.

It’s not uncommon for debt collection agencies to attempt to collect the wrong amount for a debt or even to contact the wrong consumer. Other typical errors include the incorrect address, account number, or other details.

If you receive a letter from a debt collector, don’t ignore it. Instead, read through the entire contents of the communication and compare each item to your records. Look at your contact information, prior creditor details, and due amount.

If you recognize the debt, compare the amount due and the account number to your original account with the creditor. Details that don’t match up indicate a potential error.

If you don't recognize the debt despite the details provided, Resurgent Capital may have mixed up your account with someone else’s. You may also be the victim of identity theft.

2. Send a request for debt validation to Resurgent Capital

Consumers who don’t believe the debt is theirs or who need further information to confirm the debt should send a debt validation letter to Resurgent Capital. A Debt Validation Letter requires Resurgent Capital to provide the consumer with additional information concerning the debt.

You must send a debt validation letter to Resurgent Capital within a prescribed time, usually 30 days, or the company will assume the debt is valid and begin a full suite of collection activities against you.

Once the company receives your debt validation request, it will assemble the information about your account and send it to you. In some cases, Resurgent Capital won’t have the details needed to collect on your account.

Watch this video to learn more about how a debt validation letter can help you beat a Resurgent debt collector:

3. Dispute the debt with Resurgent Capital

Sometimes, consumers have valid complaints to dispute a debt. The debt may not be theirs, or they may have paid off the amount, but Resurgent Capital isn’t aware of it. Many reasons can lead to a dismissal of the debt if you have the evidence to support them.

Individuals who are victims of identity theft should assemble the documentation they have concerning their case. Complaints to the FTC, credit reporting bureaus, and local law enforcement can all help support a case of identity theft.

If you have previously paid the debt, you can provide a copy of your canceled check or statement showing the payment.

Whatever your dispute is concerning the debt, outline the circumstances and provide the requisite evidence clearly. The better the support you provide, the more likely that Resurgent Capital will stop collection activities against you and dismiss your debt.

4. Make sure Resurgent Capital follows the collection rules set forth by the FDCPA

The FDCPA passed the Debt Collection Rule in late 2021. The new rule establishes specific protocols debt collectors must follow when pursuing consumers for an obligation. A few of the requirements that Resurgent Capital must follow include:

  • Not calling before 8 a.m. or after 9 p.m.
  • 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 of communications with the debt collector.

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

What should I do if my debt is valid?

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

1. Pay off debt with Resurgent Capital Services

If you have the money available, paying off the entirety of the debt will clear your account without doing too much more damage to your credit report. Resurgent Capital will report the debt paid in full to the credit reporting bureaus, and you won’t have to worry about further collection activity.

To pay your outstanding balance, call Resurgent Capital and state that you’d like to pay off your account. Ask the company to send you a letter following payment that documents the bill as paid in full, so you have it for your records.

2. Settle a debt with Resurgent Capital Services

If you have enough money in savings or other means to settle a valid debt with Resurgent Capital, it’s best to do so as soon as possible. Settling the debt allows you to obtain a discount for paying a portion of the balance in one lump sum.

For instance, you may offer a lump-sum payment of 50% of your balance in exchange for a settlement agreement. Sometimes, debt collection agencies will even accept less money for a one-time payment. Once you come to a deal with Resurgent Capital and pay the money, your account will be closed, and you won’t hear from its collectors again.

SoloSettle is a web-based app that allows you to track all communication with a debt collector and make payments safely using Solo’s online payment portal. It is crucial to get a debt settlement agreement in writing and signed by both parties to ensure that the agreement is binding.

Four steps to consider when deciding if debt settlement is the right choice for you:

  1. Review your financial situation to determine how much you can reasonably afford to pay in a lump sum. It may be wise to offer less than the maximum you can pay in the event that RCS responds with a counteroffer.
  2. Make sure the debt is valid, the information is correct, and that the debt has not exceeded the statute of limitations. If the last activity on the debt has passed the statute of limitations, the debt is time-barred, meaning that the debt collector cannot sue you for the debt. You may still decide to negotiate a settlement offer to keep them from pursuing collection attempts.
  3. Make the offer. Initiate debt settlement discussions by making an offer that outlines what you are offering to pay and how soon you can make the payment if the offer is accepted.
  4. Get a debt settlement agreement signed by both parties and send your payment.

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Make an Offer

3. Set up a payment arrangement with Resurgent Capital

Many people don’t have savings that will allow them to pay off a debt in one lump sum. If this is the case for you, you can try to negotiate a payment arrangement with Resurgent Capital. Under a payment arrangement, you’ll make monthly payments toward your debt for a specific period.

Usually, Resurgent Capital will continue to charge interest, which can lengthen the time it takes to pay off your balance. However, payment arrangements benefit consumers seeking to avoid further legal activity.

Resurgent Capital won’t sue you or seek a judgment against you if you stick with your payment plan. You can save money and offer a settlement to clear your account once you have enough funds available.

4. Ignore all communications from Resurgent Capital.

Avoiding communications and failing to respond to a debt collector like Resurgent Capital is a terrible idea, and Resurgent Capital won’t just disappear.

Instead, ignoring communication attempts makes it more likely that Resurgent Capital Services will take legal action. Once Resurgent Capital realizes that you won’t do anything to address your debts, it is likely to take legal action. A lawsuit could result in a judgment, which Resurgent Capital can use to garnish your wages, 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, it’s likely that Resurgent Capital will, too. Unless it doesn’t have the supporting documentation to substantiate its case, it will likely win the suit.

Negotiate with Resurgent Capital Capital Services debt collector

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

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

For more detailed strategies and insights, check out this interview with a debt lawyer on how to negotiate with a Resurgent Capital Services debt collector to resolve your debt:

What should I do if Resurgent Capital sues me for a debt?

If Resurgent Capital decides to sue you for a debt, you likely haven’t disputed its claims or attempted to come to a payment arrangement with it.

You can take various actions, including attempting to pay off the debt before the court date, formulating an Answer to its Complaint, and defending yourself before a judge.

Whatever you decide to do, don’t ignore the court Summons. If you do, the judge will likely issue a default judgment for the case, allowing Resurgent Capital to pursue further unwanted collection activities like garnishing your wages and seizing your property.

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

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

  1. Respond to each claim listed in the Complaint document. Try to deny as many claims as possible, forcing Resurgent to prove them.
  2. Assert your affirmative defenses. List any legal reasons that Resurgent should not win the case. There are many defenses you can use, and Solo can help you narrow down which ones are the most relevant to your case.
  3. File your Answer in court before the deadline. Be sure to send a copy to Resurgent’s lawyer.
  4. Filing an Answer is just the first step in resolving a lawsuit. Whether you decide to attempt to settle the debt or fight it out in court, it is your responsibility to keep up with your case until it’s resolved.

You can draft and file your own Answer with SoloSuit in all 50 states.

For more information on how to respond to a Summons from Resurgent Cpital Services, watch the video below:

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