Resurgent Capital Services Auto Loan Debt in St. Louis, MO
Resurgent Capital Services is collecting auto loan debt in St. Louis. Average: $23,792. Missouri SOL: 5 years. Garnishment: 25% of disposable earnings or 10% of wages (greater protection).
Known Resurgent Capital Services Violations
- • Operating through subsidiary LVNV to obscure identity
- • Failing to properly validate purchased debts
- • Misrepresenting the original creditor
Dispute Strategies
- • Challenge deficiency balance after repossession
- • Verify the sale was commercially reasonable (UCC requirement)
- • Dispute if proper repossession notice wasn't given
- • Check for state-specific redemption rights
- • Validate any collection attempts under FDCPA
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
- • Lenders must sell repossessed vehicles at commercially reasonable price
- • Many states require advance notice before repossession
- • Deficiency balance collectors must validate under FDCPA