Dispute Resurgent Capital Services Auto Loan Debt in South Dakota
Resurgent Capital Services is collecting auto loan debt in South Dakota where the statute of limitations is 6 years. Average auto loan debt: $23,792. Garnishment limit: 20% of disposable earnings.
6 years
Statute of Limitations
$23,792
Average Auto Loan Debt
20% of disposable ea
Garnishment Limit
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
South Dakota Protections
No specific state act — FDCPA applies. File complaints with: AG Consumer Protection.