“Don’t Wait Another Minute to Repair Your Credit and Get Debt Collectors from Resurgent Capital Services to Leave You Alone”

I Have Real Proof That You Can Find Your Way Out of Debt and Into Good Credit

Debt collection and credit repair can be a really complicated and confusing. To make matters worse, there are plenty of scams out there on both sides of the equation. It can be hard to know who to trust. I hope the fact that I have real credit reports and other documents backing up my story will help you to trust me and take my advice to heart.

Like many Americans, my finances got out of control during the tough economic times of the past few years. The cause of my experience is nothing new or unique, but what I did about it is.

I made some poor financial decisions, overextended myself on my credit cards, and ended up owing money to a company called Resurgent Capital Services. Apparently they had bought an old auto loan from my original creditor, and now they expected me to pay back the debt plus a truly shocking amount of interest and fees. At that point, paying was simply not an option. I didn’t have a dime to spare.

As time passed, Resurgent Capital Services got more and more aggressive about securing repayment on the debt. They began calling multiple times each day, and sent a whole pile of mail. I tried to screen my phone calls, but every once in a while I would end up on the phone with someone claiming to be from Resurgent Capital Services. Their demands got increasingly harsh, and they even started to make threats against me and my family. They said I had to give them my bank account information and authorize automatic payments, or they would have me arrested.

I quickly got fed up with this poor treatment. I often asked to speak with a supervisor, and my call would be placed on hold for half an hour and then mysteriously dropped. One day I looked up Resurgent Capital Services online and started calling all of their listed numbers. When I got through to someone, they confirmed that I did have an outstanding collections account with them. When I complained about the way the phone reps had been treating me, I was informed that those reps were not actually Resurgent Capital Services employees. I had been targeted by a scam!

Apparently, it is becoming increasingly common for scam artists to get hold of collection lists and then attempt to extort money out of debtors. The real Resurgent Capital Services representative told me that real debt collectors would never violate the Fair Debt Collection Practices Act, which states that debt collectors cannot:

-threaten to have you arrested without due process
-threaten to freeze your assets or garnish your wages without due process
-threaten to take action against your family
-call you for the sole purpose of annoying you
-call your employer (if you’ve told them not to)
-continue calling you once they’ve been informed that you are represented by a lawyer

If you get a call from someone who seems to be violating the Fair Debt Collection Practices Act, be aware that it may very well be a scam. Do not, under any circumstances, give them your bank account number, social security number, or any other personal or financial details. The scammer’s goal is to get enough information to be able to steal money from your bank account. Don’t let that happen!

I was really shaken up by the news that I had been targeted by a scam. However, I had to wonder how they got their information in the first place! How did that scammer know that I really did owe Resurgent Capital Services? It is somewhat of a mystery, and it makes me wonder about my security and privacy.

The real Resurgent Capital Services also wanted me to repay my debts, but they showed a little more finesse in their tactics. They tried to convince me that they had my best interests at heart and were just trying to help me get out of debt as painlessly as possible. They proposed a payment plan with really low monthly payments. It seemed great at first, but then I realized that the payments would stretch on for years and I would end up paying an outrageous amount of interest!

I quickly came to my senses and realized that I was not going to get any real help from Resurgent Capital Services. They were just pushing their own agenda: making as much money as possible!

I stopped taking any phone calls from anyone. For a while it seemed like I could just avoid the problem, but then I got a disturbing letter in the mail from TransUnion. It notified me that a collection item had been added to my credit report by Resurgent Capital Services. That collection item lowered my credit score by over 100 points!

Since bad credit affects many aspects of your life, it’s definitely not something you can just avoid. Even if you’re willing to live a cash-only life and give up on any chance of getting financing for a house, a car, or other big ticket purchase, there is still the issue of how bad credit affects your professional image. Many employers have adopted the strategy of looking at job applicants’ credit reports before hiring. I knew that I would have to do something about my bad credit.

I thought maybe I could find that answer to my problem online. I looked up credit repair services, and I found a ton of companies claiming to offer top-notch credit repair services. Most of them required huge up-front payments, with no guarantee that they would actually be successful. To me, that is the earmark of another type of scam!

I did find one company that looked promising: Lexington Law. They seemed very reputable. They’d been in business since 1991, and they had an experienced staff of attorneys and paralegals. Best of all, they offered free consultations and work backed by a no-risk refund policy. To me, that signified a willingness to stand behind the quality of their work. They were confident that if they took on a case, they could win it, and they didn’t need a big lump of cash up front.

I went ahead and called Lexington Law for my free consultation. I described my situation to the representative who took my call, and she explained to me that Lexington Law could do several things to help.

First, they could initiate a debt validation process to make Resurgent Capital Services prove that I owed my debt.

Next, they would check the statute of limitations in my state to make sure my debt had not yet expired. I knew that the auto loan in question was pretty old, but I wasn’t one hundred percent sure when I’d last paid on it. If too much time had elapsed between me paying and Resurgent Capital Services trying to collect, then I was not legally responsible for the debt.

That sounded like a great plan to me. I hired Lexington Law on the spot. As soon as I did that, I felt a tremendous sense of relief wash over me. I hadn’t even realized how stressed out I’d been! It was like all that time there had been this weight on my shoulders, and I only realized it once it was gone.

After all the time I’d spent trying to handle matters on my own, it felt really good to let an experienced professional take charge. I just sat back and relaxed, and within a few short weeks I got a new notice in the mail from TransUnion. According to TransUnion, the Resurgent Capital Services collection item had been officially deleted from my credit history! Finally, I was seeing tangible proof that the debt collectors could be beaten. I knew I had Lexington Law to thank for it!

With the collection item gone, my credit began to rebound. Lexington Law also removed a few other black marks from my credit history, and soon my credit score had risen into the 700s.

I could not have been happier! Lexington Law had helped me repair my credit and set me on the path to financial stability and security.

Remember, if you’re being targeted by debt collectors, make sure you don’t get scammed! Don’t fall prey to any tactics that violate your rights under the Fair Debt Collection Practices Act, and never give out your bank account information. And when you look for professional help, don’t accept anything less than the standards set by Lexington Law.