Resurgent Capital Services Utility Debt in Trenton, NJ
Resurgent Capital Services is collecting utility debt in Trenton. Average: $800. New Jersey SOL: 6 years. Garnishment: 10% of gross income (if earning <250% FPL).
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