LVNV Funding and Resurgent Capital Services
LVNV Funding is a debt owner: it buys consumer accounts after the original lender charges them off. It does not usually collect them itself. It outsources the management of its accounts to Resurgent Capital Services of Greenville, South Carolina, which is why letters and calls often come from Resurgent or from a collection agency or law firm Resurgent hires.
An LVNV account can reach you under three names at once: LVNV Funding as the owner, Resurgent Capital Services as the manager, and an outside agency or law firm as the one actually calling. That layering is confusing, and it is one more reason to ask for the validation notice and the name of the original creditor.
Who LVNV and Resurgent are
- LVNV Funding. Its site tells consumers "the new owner is LVNV Funding" and that it "outsources the management of its portfolio of accounts to a company called Resurgent Capital Services," described there as a licensed third-party debt collector (lvnvfunding.com).
- Resurgent Capital Services. Resurgent lists LVNV Funding, LLC among "the Resurgent family of companies," along with PYOD, LLC, Pinnacle Credit Services, LLC, Sherman Acquisition, LLC, CACH LLC and others (resurgent.com). Its mailing address is P.O. Box 10497, Greenville, SC 29603.
- Phone. The number listed on resurgent.com is 1-888-665-0374 (checked September 29, 2026). LVNV's site lists no phone number of its own and sends consumers to Resurgent.
How to check that it is really LVNV Funding and Resurgent
- Get the validation notice. A debt collector must give you written validation information in its first communication or within five days after it: the amount, the creditor, and your right to dispute (15 U.S.C. § 1692g(a); 12 C.F.R. § 1006.34). If none came, read no validation notice.
- Ask who the original creditor is. The notice should name the creditor and itemize the balance. If you dispute in writing within the validation period, the collector must stop collecting until it mails you verification (15 U.S.C. § 1692g(b)).
- Call back on a number you looked up yourself. Do not pay a caller on the strength of a number the caller gave you. Look the company up on its own website. The number we found there is listed above.
- Look it up in the CFPB database. The link is in the public record section below.
- In New York City, look up the license. The city's Department of Consumer and Worker Protection (DCWP) issues debt collection agency licenses, and its issued-licenses list is public on NYC Open Data.
What LVNV Funding and Resurgent cannot do
These limits apply to every debt collector covered by the Fair Debt Collection Practices Act. They are the law, not a statement about what this company has done.
- Keep collecting after your written dispute without sending verification. Collection must pause until verification is mailed (15 U.S.C. § 1692g(b)). See ignored dispute.
- Sue or threaten to sue on a time-barred debt. Regulation F bans both (12 C.F.R. § 1006.26(b)). See zombie debt.
- Report a disputed debt without saying it is disputed. Failing to communicate that a debt is disputed is a false credit statement (15 U.S.C. § 1692e(8)). See debt you do not owe.
- Add amounts the agreement or the law does not allow. Collecting any amount not expressly authorized is an unfair practice (15 U.S.C. § 1692f(1)). See wrong amount and fees.
- Call you more than 7 times in 7 days about one debt. More than seven telephone calls in seven consecutive days, or a call within seven days after a phone conversation about the debt, is presumed harassment (12 C.F.R. § 1006.14(b)(2)). Texts and emails do not count toward that number. See too many calls.
- Tell your family, friends or boss about the debt. A collector may contact other people only to find you, and may not say you owe a debt (15 U.S.C. §§ 1692b, 1692c(b)). See calls to family and employer.
Log calls in the call log and save voicemails, letters and screenshots.
If LVNV Funding and Resurgent sues you
Suits on these accounts are usually brought in the owner's name, LVNV Funding, LLC, through a collection law firm. If you have been sued, do not ignore the papers. The deadline to answer is short, and a missed deadline can lead to a default judgment. Read sued by a debt collector first.
- New York. Most consumer credit suits must be filed within three years, and a later payment does not restart the clock (CPLR 214-i). The complaint must name the original creditor and attach the contract or charge-off statement (CPLR 3016(j)).
- New Jersey. Contract actions generally carry a six-year limit (N.J.S.A. 2A:14-1).
- Florida. Five years on a written contract, four on an oral one or an open account (Fla. Stat. § 95.11).
- The right court. A collector's suit must be filed where you live or where you signed the contract (15 U.S.C. § 1692i(a)(2)). See sued in the wrong county.
Public record
Only public, sourced facts appear here. Where we quote an agency or a court, the words describe what that agency or court found, alleged or decided.
CFPB complaints, as of September 29, 2026. From September 1, 2025 through September 1, 2026, consumers filed 25,350 complaints naming "Resurgent Capital Services L.P." in the Consumer Financial Protection Bureau's complaint database, 18,689 of them about debt collection; 5,190 of the 25,350 came from New York, New Jersey and Florida. See the complaints in the CFPB database. Complaints are unverified consumer reports, not findings of wrongdoing.
The CFPB database lists these complaints under Resurgent, the servicer, not under LVNV Funding.
New York City licenses. DCWP's list shows active debt collection agency licenses for LVNV Funding LLC (1326179-DCA) and Resurgent Capital Services L.P. (1204239-DCA), both expiring January 31, 2027, as of September 29, 2026 (NYC Open Data).
Government orders. We list no federal order against LVNV Funding or Resurgent on this page. In 2014 the New York Attorney General announced a settlement with Sherman Financial Group, LLC over default judgments on time-barred debts; see the New York Attorney General settlements.
In New York, New Jersey and Florida
New York consumers can also sue under General Business Law § 349 for deceptive practices (N.Y. Gen. Bus. Law § 349(h)), and since September 1, 2026 New York City's DCWP rules limit a collector to three communications or attempts per account in seven days, across calls, texts and emails. Florida's consumer collection law reaches anyone collecting a consumer debt, including original creditors, with statutory damages up to $1,000 (Fla. Stat. §§ 559.72, 559.77(2)). New Jersey's Consumer Fraud Act allows treble damages for an ascertainable loss (N.J.S.A. 56:8-19). See New York, New Jersey and Florida.
The FDCPA requires a company found liable to pay the consumer's reasonable attorney's fees and costs. The deadline to sue is one year from the violation (15 U.S.C. § 1692k(d)).
Common questions
Why does LVNV Funding own a debt I never had with them?
LVNV buys accounts after the original lender charges them off. The validation notice should name the original creditor. If you do not recognize the account, dispute it in writing within the validation period.
Should I deal with LVNV or with Resurgent?
LVNV's own site sends consumers to Resurgent Capital Services, which manages its accounts. Send disputes to the address on the validation notice you received, and keep copies.
LVNV is on my credit report. Can I dispute it?
Yes. Dispute with each credit bureau that reports it and with the company in writing. If the debt is disputed, a collector that reports it must say so.
Tell us what they did.
One conversation with an attorney, in your language. We tell you which laws the collector or the credit bureau broke, which deadline runs first, and what to save this week. If it is not a case we can take, we say so and tell you where to go.
(718) 484-7510The FDCPA and the FCRA require a company found liable to pay the consumer’s reasonable attorney’s fees and costs. Our fee arrangement is confirmed in a written retainer before we begin. English, Russian and Spanish in-house; an interpreter for any other language.