Average medical debt: $2,459. 80% of medical bills contain errors. The No Surprises Act protects against out-of-network surprise bills. Medical debt can't appear on credit reports for 365 days.
Common Resurgent Capital Services Violations
Operating through subsidiary LVNV to obscure identity
Failing to properly validate purchased debts
Misrepresenting the original creditor
Medical Debt Dispute Strategies
1
Request itemized bill with CPT codes
2
Check for No Surprises Act violations
3
Apply for hospital financial assistance
4
Dispute errors line by line
5
Negotiate — hospitals accept 40-60% routinely
Tips Against Resurgent Capital Services
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