Resurgent Capital Services Utility Debt in El Paso, TX

Resurgent Capital Services is collecting utility debt in El Paso. Average: $800. Texas SOL: 4 years. Garnishment: No wage garnishment for most debts.

Known Resurgent Capital Services Violations

  • Operating through subsidiary LVNV to obscure identity
  • Failing to properly validate purchased debts
  • Misrepresenting the original creditor

Dispute Strategies

  • File complaint with state Public Utility Commission
  • Request billing audit and meter verification
  • Apply for utility assistance programs (LIHEAP)
  • Dispute estimated vs actual billing
  • Challenge reconnection fees if disconnect was improper

Tips

  • Resurgent owns LVNV Funding — same parent company, same defenses
  • Demand documentation showing the complete chain of debt ownership
  • File complaints against both Resurgent and any subsidiaries they operate through
  • Utilities must offer payment plans in most states
  • Estimated billing can be challenged with actual meter reads
  • Many states ban winter disconnection for heat