Average utility debt: $800. Utility debt from electric, gas, water, and internet bills. State public utility commissions regulate billing practices. Many states prohibit disconnection during extreme weather.
Common Resurgent Capital Services Violations
Operating through subsidiary LVNV to obscure identity
Failing to properly validate purchased debts
Misrepresenting the original creditor
Utility Debt Dispute Strategies
1
File complaint with state Public Utility Commission
2
Request billing audit and meter verification
3
Apply for utility assistance programs (LIHEAP)
4
Dispute estimated vs actual billing
5
Challenge reconnection fees if disconnect was improper
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