LVNV Funding and Resurgent Capital: What to Do If They Contact You

LVNV Funding is a debt buyer that owns old consumer accounts, mostly credit cards, and Resurgent Capital Services is the company that manages those accounts for it. Both belong to the Sherman Financial Group family of companies. If either one contacts you, ask for validation in writing, check your credit reports, and never ignore court papers.

Who are LVNV Funding and Resurgent Capital Services?

People often get confused because two or three different names show up for one debt. Here is how they fit together:

Name	Role
LVNV Funding LLC	Buys and owns the debt. It often appears as the creditor on your credit report.
Resurgent Capital Services	Services the accounts LVNV owns. It is based in Greenville, South Carolina.
Outside collection agencies or law firms	Resurgent may place accounts with other collectors or attorneys, who then send you letters or file lawsuits.
Original creditor	The bank or lender you first owed, such as a credit card issuer.

LVNV usually buys accounts after the original lender charged them off. Most are credit card debts. Because LVNV doesn’t always collect directly, you may get a letter from a collection agency you’ve never heard of that says “LVNV Funding” is the current creditor.

Resurgent in the CFPB complaint database

Resurgent Capital Services is one of the most complained-about collectors in the CFPB consumer complaint database, with 49,061 complaints as of September 2026. That places it second among collectors. A complaint is not proof of wrongdoing, and large debt buyers handle a huge number of accounts. Reading complaints can still show you common problems, such as debts people say aren’t theirs or balances they don’t recognize.

Official enforcement action: Maryland, 2012

In June 2012, LVNV Funding and Resurgent Capital Services signed a settlement agreement with the Maryland State Collection Agency Licensing Board. The state alleged that the companies collected debts in Maryland, including by suing consumers in state courts, without the required collection agency license. The companies did not admit the allegations. Under the agreement, they paid a $1 million penalty, about 3,564 Maryland court cases were dismissed without prejudice, and thousands of consumers received credits for interest, fees, and settlements.

That action was about licensing in one state, more than a decade ago. It does not mean your account is invalid. It is a good reminder that collectors must follow state licensing rules, and that you can check whether a collector is licensed in your state.

Why LVNV might be on your credit report

• You had a credit card or loan that went unpaid, and LVNV bought it.
• The account belongs to someone else with a similar name or old address.
• The balance includes amounts you don’t agree with.
• You already paid or settled the account with an earlier owner.
• The account was opened through identity theft.

Under FCRA §605, a collection can be reported for up to 7 years. That period runs from 180 days after you first fell behind with the original creditor. A sale to LVNV does not reset it. If your report shows a newer date than you remember, compare it with your own records.

Your rights under the FDCPA and Regulation F

LVNV, Resurgent, and any outside agency collecting for them are covered by the Fair Debt Collection Practices Act (FDCPA) and the CFPB’s Regulation F. Key rules:

• Validation notice: The collector must send it in its first communication or within 5 days. It lists the creditor, an itemized balance, and the last day you can dispute.
• Written dispute: If you dispute within 30 days of receiving the notice, the collector must pause collection until it mails you verification.
• Call times: No calls before 8 a.m. or after 9 p.m. your local time.
• 7-in-7 rule: More than 7 calls in 7 days about one debt is presumed harassment. Read more about the 7-in-7 rule.
• No credit reporting before contact: A collector cannot report the debt to bureaus before it has communicated with you.
• Old debts: A collector cannot sue or threaten to sue on a debt past the statute of limitations.

What to do if LVNV or Resurgent contacts you

1. Identify who sent the letter. Is it Resurgent, LVNV, or another agency? Write down the name, address, and reference number.
2. Find the original creditor. It should be on the validation notice. This helps you match the debt to your own records.
3. Get your free credit reports. Visit AnnualCreditReport.com for weekly reports from Equifax, Experian, and TransUnion.
4. Send a written validation request. Do it before the dispute deadline on the notice, by certified mail.
5. Check the statute of limitations. Use our statute of limitations tool. In many states, a payment can restart the clock.
6. Keep a log. Note every call: date, time, name, and what was said.

Sample letter to request validation

[YOUR NAME]
[YOUR ADDRESS]
[DATE]

[COLLECTOR NAME, e.g., Resurgent Capital Services]
[ADDRESS FROM YOUR VALIDATION NOTICE]

Re: LVNV Funding account [REFERENCE NUMBER]

I dispute this debt. Under 15 U.S.C. §1692g(b), please provide verification, including the original creditor’s name, the original account number, and an itemization of the balance. Please stop collection until you send verification. Contact me only in writing.

Sincerely,
[SIGNATURE]

Disputing an LVNV collection with the credit bureaus

If something on your report is wrong, you can dispute it with each bureau that shows it. Under FCRA §611, the bureau must investigate for free, usually within 30 days. It must send you results within 5 business days after it finishes. You can also dispute directly with LVNV, the furnisher, under FCRA §623.

Only dispute details you believe are inaccurate or incomplete. Do not claim identity theft unless it really happened. False claims can cause legal trouble and won’t hold up. Our guide on how to dispute a collection with all 3 bureaus walks you through it.

If a dispute comes back “verified” and you still think it’s wrong, you can ask the bureau how it verified the item. See our guide to the method of verification.

If you are sued by LVNV Funding

LVNV, usually through a local law firm, sometimes sues to collect. A summons is serious. Pew research found that more than 70% of debt lawsuits end in default judgment because the person didn’t respond.

• Respond to the court by the deadline on the summons, even if you think the debt isn’t yours.
• Ask the court and the law firm for proof that LVNV owns the debt.
• Check whether the debt is past the statute of limitations.
• Talk to a consumer attorney or legal aid. Find help with our attorney finder.

If you’d rather have a lawyer review a lawsuit or possible violation, our partner can connect you with a consumer attorney (partner link).

Paying or settling with LVNV

If the debt is yours, settling for less than the full balance is often possible. Get any agreement in writing before you pay. Pay with a method you control, not by giving ongoing access to your bank account. A paid collection may still appear on your report with a zero balance. Plan a realistic offer with our settlement calculator.

FAQ

Is LVNV Funding a real company?

Yes. LVNV Funding is a real debt buyer, and Resurgent Capital Services is its servicer. Both are part of the Sherman Financial Group family of companies. Always confirm the details of the specific debt, though.

Why does a different collection agency say it is collecting for LVNV?

Resurgent can place LVNV accounts with outside agencies or law firms. That agency must still follow the FDCPA and send you a validation notice.

Can I tell LVNV to stop calling me?

Yes. Send a written request to stop communication. After that, they may only contact you to confirm they are stopping or to tell you about a specific action, like a lawsuit. The debt itself does not go away.

Can LVNV report a debt that is older than 7 years?

Generally no. Most collections must come off your report 7 years after the 180-day mark following the original delinquency. If an old LVNV account is still showing, dispute it with the bureau.

Sources

• Maryland settlement agreement with LVNV Funding and Resurgent Capital Services (2012, PDF)
• CFPB Consumer Complaint Database
• Regulation F, 12 CFR Part 1006
• 15 U.S.C. §1692g – Validation of debts
• 15 U.S.C. §1681c – Reporting time limits
• 15 U.S.C. §1681i – Reinvestigation of disputes
• AnnualCreditReport.com