How to Protect Yourself from Harassment by Resurgent Capital Services

Are you receiving calls from Resurgent Capital Services and feeling weighed down by the stress? We'll help you protect yourself!

Dealing with debt is heavy enough without the added stress of harassment by debt collectors. Unfortunately, some collection agencies cross the line from legitimate debt collection practices into aggressive, harassing behavior. Resurgent Capital Services, a major name among debt collectors, has been mentioned in complaints about harassment.

As someone with years of experience in the credit repair industry, I’ve worked closely with clients who’ve faced challenges like these. I help people understand their rights, deal with multiple debt collectors, and get out of debt.

My goal has always been to empower clients with the tools and knowledge they need to handle debt collectors effectively while improving their credit health. 

This blog post will break down what harassment looks like. How U.S. laws protect you, and how to safeguard yourself from pushy practices that cross legal boundaries.

Let’s ensure you stay informed and confident when dealing with collections.

Who is Resurgent Capital Services? 

Resurgent Capital Services is a company that collects money for other businesses, like credit card companies, doctors’ offices, and banks. They often buy old debts and try to get people to pay what they owe. While they are a real company, many people complain about how they go about collecting money.

Some common problems include getting lots of calls every day, being asked to pay for debts they don’t recognize, or having debts reported to credit bureaus without proof. Sometimes, they even ask for money on debts that are too old to collect. 

One of our clients shared their story about Resurgent Capital Services. They kept getting calls, early in the morning and late at night, even after asking for letters instead of calls. The client felt stressed and upset because Resurgent kept asking for money on a debt they couldn’t prove was real. 

This shows why it’s so important to know your consumer rights. The Fair Debt Collection Practices Act (FDCPA) helps protect people from unfair or abusive debt collectors and makes sure companies like Resurgent follow the rules.

Is Resurgent Capital Services Legit? 

Yes, Resurgent Capital Services is a third-party debt collector that purchases and collects on delinquent or charged-off debts. They are headquartered in Greenville, South Carolina and have been in business since 1997.

For more information, you can visit their official website at https://www.resurgent.com/.

Common Complaints Against Resurgent Capital Services 

Resurgent Capital Services is a prominent debt collector and servicer. While they handle millions of accounts, they’ve faced criticism for:

• Continuously contacting individuals who claim they do not owe any debt. 
• Being unresponsive to disputes or challenges to the debts they manage. 
• Outright ignoring requests to stop communications. 

Although the company denies wrongdoing, affected individuals have recorded complaints on platforms like the Better Business Bureau (BBB) and Consumer Financial Protection Bureau (CFPB). 

Now that we've covered some information about Resurgent Capital Services, let's discuss how you can protect yourself from harassment.

What Is Debt Collector Harassment? 

Alright, let’s get one thing straight: debt collectors have a job to do, and that job is completely legal. But what’s not legal? Harassment. Yep, there’s a clear line between collecting a debt and straight-up bullying someone—and no one deserves to be bullied about their finances. 

You might be wondering, “Okay, but what does debt collector harassment actually look like?" Well, it’s more common than you think, and it’s definitely not just a few annoying phone calls. Debt collector harassment can take many shady forms, so let’s break it down: 

1. Excessive Calls 

Ever felt like your phone’s blowing up at all hours of the day? That’s because some debt collectors will call you relentlessly, even if you’ve already told them to stop. We’re talking morning, noon, and night—because who doesn’t love a 7 a.m. wake-up call about their overdue credit card bill? 

Here’s the deal: under the Fair Debt Collection Practices Act (FDCPA), debt collectors are not allowed to harass you with constant calls. If you’ve told them to stop and they keep going, that’s harassment. 

Pro tip: you can even send a written request telling them to knock it off. 

2. Threats 

Imagine this: you’re already stressed about money, and then someone calls, threatening to have you arrested if you don’t pay up. Sounds terrifying, right? Well, it’s also completely illegal. Debt collectors are not allowed to use threatening or aggressive language, and they definitely can’t imply consequences that aren’t real. 

For example, they can’t say they’ll throw you in jail (you can’t go to jail for unpaid debts in most cases) or take away your property unless they actually have the legal authority to do so. If they’re trying to scare you into paying, they’re crossing the line. 

3. Public Disclosure 

Nobody wants their dirty laundry aired out in public, especially when it comes to finances. But some debt collectors will go as far as discussing your debts with your employer, neighbors, or family members without your consent. 

Newsflash: this is a massive no-no. Debt collectors are only allowed to contact third parties to confirm your contact information, and even then, they can’t reveal why they’re calling. If they’re spilling the tea about your debts to everyone you know, they’re breaking the law. 

4. False Claims 

This one’s a biggie. Some debt collectors will try to mislead you about how much you owe, or worse, pretend to be someone they’re not—like a lawyer or even a cop. Yep, some will go that far. 

Here’s the thing: making false or misleading statements is illegal under the FDCPA. If a debt collector is lying about your debt or pretending to have legal authority they don’t actually have, they’re way out of line. 

Good Read: What To Do When NCA Collections Calls About an Unknown Debt

Why Debt Collector Harassment Happens 

At this point, you might be thinking, "Why would anyone resort to such shady tactics?" Honestly, it’s simple: harassment works. Some debt collectors believe that by scaring or stressing you out, you’ll pay up just to get them off your back. 

But here’s the thing: you have rights. Debt collectors operate under strict rules laid out by the FDCPA, and it’s your job to know what those rules are so you can protect yourself. 

The Fair Debt Collection Practices Act (FDCPA) is your best ally when faced with aggressive tactics. It spells out clear rules on what debt collectors like Resurgent Capital Services (or any agency) can and cannot do. 

Here’s what the FDCPA forbids: 

• Harassing Behavior: No yelling, profanity, or repeated calls to annoy you. 
• Calling at Odd Hours: They can only contact you between 8 a.m. and 9 p.m. in your time zone. 
• Threatening Arrest: Debt collectors cannot have you thrown in jail over unpaid debts. 
• Misrepresentation: They can’t pretend to be a lawyer or government official. 

What to Do If a Debt Collector is Harassing You 

There’s nothing more frustrating (or intimidating) than facing harassment from a debt collector like Resurgent Capital Services. But you don’t have to put up with it. If you know your rights and have a step-by-step action plan, you can sidestep intimidation tactics and resolve debt issues on "YOUR" terms.  .

Let’s go over some steps you can take if a debt collector won’t play by the rules. 

1. Keep Track of Everything 

One of the most important things you can do is keep good records. Anytime a debt collector contacts you, write it down. Keep a notebook handy and jot down the date, time, and what the collector said. 

If they send you voicemails, emails, or texts, save them too. This information could be really helpful if you ever need to prove that the debt collector is breaking the law. Think of it like collecting evidence—these details can make a huge difference if you decide to file a complaint or take legal action. 

2. Send a Cease-and-Desist Letter 

If the calls just won’t stop, you can ask the debt collector to stop contacting you by sending something called a cease-and-desist letter. This is a written letter you send to tell them to stop calling or messaging you. 

Once they receive the letter, they can’t contact you anymore, except to let you know they’re stopping communication or to inform you about legal action they’re taking (like a lawsuit). Make sure you send the letter by certified mail and keep a copy for your records. That way, you’ll have proof they got it! 

3. Report the Harassment 

If the debt collector is breaking the law, don’t just let it slide—report them! There are a few organizations you can contact for help: 

• The Consumer Financial Protection Bureau (CFPB): This group can investigate complaints and take action against collectors who step out of line. 
• Your State Attorney General: Every state has an attorney general who helps protect consumers. They may be able to help you, too. 
• The Federal Trade Commission (FTC): The FTC enforces laws to stop unfair or deceptive practices. Report the harassment, and they can investigate the collector’s behavior. 

Filing a report won’t just help you—it could also help protect others from going through the same thing. 

4. Talk to a Lawyer 

If things get really bad, you might want to talk to a lawyer. Harassment can cause a lot of stress, and it’s not something you should have to deal with alone. A lawyer can help you understand your rights and figure out your next steps. 

In fact, under a law called the Fair Debt Collection Practices Act (FDCPA), you can actually sue the debt collector for harassment. If you win, you could be awarded money for things like emotional distress or lost wages caused by the harassment. Many lawyers that specialize in this area will even offer free consultations to go over your case and see if they can help. 

You Deserve Respect 

Debt collectors are allowed to contact you about your debts, but they’re not allowed to harass or threaten you. If they do, you have the power to fight back. By keeping records, sending a cease-and-desist letter, reporting them to the proper authorities, and seeking legal help if needed, you can protect yourself and take back control. 

There are laws and organizations out there to help you, and you don’t have to put up with harassment. Taking these steps can make a big difference in stopping the stress and ensuring you’re treated with respect.

Building Your Financial Protection Plan 

While defending yourself from unfair debt collection practices is critical, building a financial protection plan can help you avoid such situations in the future. 

Resources to Strengthen Your Financial Standing 

• Budgeting Tools : Apps like Mint or YNAB (You Need A Budget) can give you control over your income and expenses, helping you avoid new debt. 
• Debt Relief Options : Explore debt consolidation, negotiation, or nonprofit credit counseling services if your debts feel overwhelming. 
• Credit Monitoring Services : Early warnings from services like Experian or IdentityIQ can notify you if new debts appear against your name. 

Want to stop wasting money on collections and fix your credit for a fraction of the cost? Contact us and start repairing your credit today!

Final Thoughts 

Dealing with debt is stressful enough without being harassed by aggressive collectors. Remember, you have the right to be treated with dignity and respect, no matter what your financial situation looks like. 

If any of the behaviors we’ve described sound familiar, it’s time to stand up for yourself. Know your rights, take action, and don’t let shady debt collectors push you around. 

Protect your peace of mind. Protect your finances. And don’t hesitate to ask for help. 

Want to stop debt collectors like Resurgent Capital Services in their tracks and finally repair your credit for free? Click Here to Start Your Debt Repair Journey Today!

Go Further 

For more in-depth guidance on handling debt and understanding your rights, check out consumer education resources at the Consumer Financial Protection Bureau website.