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LVNV Funding owns it. Resurgent writes to you. Here is who to answer
LVNV Funding, LLC buys old accounts but almost never contacts anyone itself. The letters, calls and credit reporting usually come from its servicer, Resurgent Capital Services in Greenville, South Carolina. So you may see LVNV on your credit report and Resurgent on your mail, for the same account.
The free check tells you honestly whether a dispute will help. If it will, the letter with three follow-ups costs $29 ($19 for military, veterans, seniors and people with disabilities).
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Time limits on debt and some collection rules depend on your state.
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LVNV at a glance
- What LVNV is
- A debt buyer that owns accounts but rarely contacts people
- Who writes to you
- Usually Resurgent Capital Services
- Write to
- Resurgent Capital Services
P.O. Box 10497
Greenville, SC 29603 - Resurgent phone
- 1-888-665-0374
- Resurgent NMLS ID
- 2301
- Resurgent offices
- Greenville, South Carolina; Cincinnati, Ohio; and Sioux Falls, South Dakota
- Corporate family
- Sherman Financial Group, as described by a federal court
- State case to know
- Maryland, LVNV v. Finch (2019)
Write to Resurgent, which services LVNV accounts. If your letter came from another agency or law firm, write to that company instead.
Why LVNV is on your report when you never dealt with it
When a bank or store charges off an account, it can sell it. LVNV Funding is one of the buyers. On your credit report, the collection entry may then show LVNV as the creditor, with the original lender named alongside or in the account details.
LVNV itself has few dealings with consumers. Resurgent Capital Services, which describes itself as a manager and servicer of consumer debt portfolios for credit grantors and debt buyers. In a 2012 case, a federal court described Sherman Financial Group as owning the company that owns LVNV Funding, and as owning 99% of Resurgent Capital Services, which acted as LVNV's master servicer.
In practice that means you write to Resurgent about an LVNV account, and ask it to identify LVNV as the owner and the original creditor by name. Our form puts LVNV in the "current owner" field and Resurgent in the "sent the letter" field for exactly this reason.
If you have only seen it on your credit report
Many people first meet LVNV on a credit report, with no letter at all. A collector has to give you validation information in its first communication or soon after, in writing. If you have never received any, the letter in our pack asks Resurgent to send it, and disputes the debt in the same letter.
Writing to Resurgent is not the same as disputing the entry with Experian, Equifax or TransUnion. That is a separate process with its own rules, and we do not handle it. A written dispute to the collector still matters: it puts your position on record and asks for the documents behind the entry.
Once Resurgent mails verification, it may continue collecting.
Maryland: the case about LVNV's license
Maryland's highest court held in 2019 that a "passive" debt buyer like LVNV, which used a licensed servicer, still needed its own Maryland collection agency license. LVNV had filed collection suits in 2008 before it was licensed. The court held those judgments were not void, but that consumers can sue an unlicensed collection agency for damages.
The same opinion records that Maryland's Commissioner of Financial Regulation had found that, since 2005, LVNV acted as an unlicensed collection agency and that tens of thousands of its Maryland court filings knowingly contained false, deceptive or deficient complaints and affidavits.
The case is mainly useful if you live in Maryland and LVNV obtained a judgment against you while it was unlicensed. If that might be you, talk to a Maryland consumer attorney or legal aid office. Elsewhere, it is a reminder that your state may require debt buyers to hold a license, and that you can check.
Old accounts and the time limit
LVNV typically buys accounts that are already some years past default. The state time limit for a lawsuit usually runs from the default or your last payment, not from LVNV's purchase. Once that limit has passed, a collector must not sue or threaten to sue.
Be careful with "settlement offers" on very old LVNV accounts. In some states a payment restarts the clock. The free check asks when you last paid and warns you before you do anything that could revive the debt.
LVNV owns the accounts it collects, so it can go to court. If you are served, read how to respond to a debt lawsuit before the deadline, and check whether the account is already too old to sue on.
If LVNV has added the account to your credit report, our guide to removing collections from your credit report explains when an entry can be disputed. And if it is the calls that are the problem, you can tell a debt collector to stop contacting you in writing.
The quickest way to make LVNV prove the debt is a debt validation letter sent inside the dispute window.
A worked example: a store card from years ago
Imagine Resurgent mails its first letter about an LVNV account on Monday, March 1, 2027: a $2,311.57 store card the letter says was charged off in 2019.
- No holidays fall in the next week, so the fifth working day, the day Resurgent may assume the letter reached you, is Monday, March 8, 2027.
- The dispute period can end no earlier than Wednesday, April 7, 2027.
- Your last payment was in 2018, so before anything else, check your state's time limit and do not pay or promise payment.
- Mail the dispute to Resurgent's P.O. box by certified mail, naming LVNV Funding as the current creditor and the store as the original creditor.
For the rules that apply where this example is set, see debt collection law in Maryland.
Sample letter to LVNV
This opening is for someone in Maryland who found an old LVNV account on their credit report but has had no letter. It is addressed to Resurgent, names LVNV as the current creditor, and asks for the dates the statute of limitations depends on.
It disputes the debt without admitting it, and the full letter asks for LVNV's chain of title. Details are made up.
Questions people ask about LVNV
Is LVNV Funding legit or a scam?
No. LVNV Funding, LLC is a real debt buyer. Its accounts are normally serviced by Resurgent Capital Services, a licensed collector. Being real does not mean the balance is right or still enforceable.
Why do I get letters from Resurgent instead of LVNV?
Resurgent services LVNV's accounts: it sends the letters, takes payments and reports to the credit bureaus. LVNV remains the owner and is usually the named plaintiff if there is a lawsuit.
Can LVNV sue me?
Yes, if the debt is within your state's time limit. Suits are usually filed in LVNV's name through a law firm. If you are served court papers, the answer deadline on the summons comes before anything else.
I live in Maryland. Does Finch mean I do not owe it?
No. The court held that judgments LVNV won while unlicensed were not void, but that consumers can sue for damages. Whether that helps you depends on dates and facts, so speak to a Maryland attorney or legal aid office.
Will writing to Resurgent remove LVNV from my credit report?
Not by itself. It disputes the debt with the collector. Disputing the credit report entry with the bureaus is a separate step that we do not handle.
What is LVNV Funding LLC?
A debt buyer. It owns accounts bought from banks, card issuers and other lenders, and does not usually contact you itself: Resurgent Capital Services writes and collects for it.
Who does LVNV Funding collect for?
For itself. LVNV owns the accounts it has bought, and Resurgent Capital Services collects them on its behalf. The notice must still name the original creditor.
Are you connected to LVNV or Resurgent?
No. We are an independent document tool and name these companies only to describe who contacted you.