• Report: #233212

Complaint Review: RESURGENT CAPITAL SERVICES

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  • Submitted: Sun, January 28, 2007
  • Updated: Mon, January 29, 2007

  • Reported By:AMES Iowa
RESURGENT CAPITAL SERVICES
P.O. BOX 10497 GREENVILLE, South Carolina U.S.A.

RESURGENT CAPITAL SERVICES claims I defaulted on a debt to Sprint Communications for $267.36. Their records show my now CLOSED accounts in good standing. I informed the first debt collector MERCHANTS CREDIT GUIDE CO. of this fact, and thought the matter ended. In Nov. Resurgent acquired this account from Merchants and claimed I still owed money. GREENVILLE South Carolina

*Consumer Suggestion: SUGGESTIONS

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Resurgent Capital Services has been sending me letters since November 2006 claiming I owe $ 267.36 to their client LVNV Funding LLC. I receive a letter every month now.

I originally received a collection notice from Merchants Credit Guide in September 2006, claiming I defaulted on a payment to Sprint Communications Co. in the amount of $ 267.36. I contacted Sprint in writing, and on the phone, about the matter, and they said my now CLOSED account was in good standing.

I informed Merchants Credit Guide Co. of this information and assumed the issue was dead.

Resurgents must have acquired this account in Nov. 2006, because that's when I started receiving collection notices from them for the same amount of $ 267.36.

Resurgents has LVNV Funding, as their current creditor too.

Resurgents has sent me one letter per month, and now is adding penalty charges to this balance of $ 267.36. I do NOT owe this amount to ANYONE, as I ALWAYS pay my bills by the deadlines.

How do I stop this harrassment, and how do I insure they are not ruining my good credit. I have done nothing wrong.

Carolyn
AMES, Iowa
U.S.A.

This report was posted on Ripoff Report on 01/28/2007 08:50 PM and is a permanent record located here: http://www.ripoffreport.com/r/RESURGENT-CAPITAL-SERVICES/GREENVILLE-South-Carolina-29603-0497/RESURGENT-CAPITAL-SERVICES-claims-I-defaulted-on-a-debt-to-Sprint-Communications-for-267-233212. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
0Author 1Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Suggestion

SUGGESTIONS

AUTHOR: P - (U.S.A.)

Tell sprint to send you a letter saying you owe nothing and tell the agency to validate the claim.

GENERAL INFORMATION FROM VARIOUS SITES ON DEALING WITH COLLECTION AGENCY'S

Tell them to validate by

. What the money you say I owe is for;
Explain and show me how you calculated what you say I owe;
Provide me with copies of any papers that show I agreed to pay what you say I owe;
Provide a verification or copy of any judgment if applicable;
Identify the original creditor;
Prove the Statute of Limitations has not expired on this account
Show me that you are licensed to collect in my state
Provide me with your license numbers and Registered Agent


1. NEVER talk to a collection agency on the phone. Period.
2. Keep good records. This can be the difference between a good and bad settlement. Don't expect them to remember you or what you agreed upon.
3. Send all correspondence via registered mail, receipt requested and put the registered mail number ON THE LETTER. DO NOT SIGN THE LETTER TYPE YOUR NAME
4. Keep a copy of every letter you send.
5. Penalties and extra interest are typically fictious amounts of money added on by the collection agency to pad their profits. Sometimes as much as to 50% of the debt or more claimed to be owed by a collection agency consisting of interest and fees. This is illegal, every state has usery laws (which dictate the maximum interests allowed to be charged. That is except North Dakota. There are no such laws which is why most credit card companies incorporate there.) Junk debt buyer pay anywhere from 1 cent to 7 cents on the dollar, there is no way there is this much interest.
6. Time is on your side. As time passes, the creditors will likely stop calling and the debt will be filed away for future attention or until the SOL runs out ..
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