Sued by Resurgent Receivables LLC?

We are a law firm that fights Resurgent Receivables LLC Debt Collection Lawsuits.

Resurgent Receivables LLC is a debt buyer who buys debts from original creditors.  They are not simply a collection agency.  They usually buy consumer debt such as credit card debt.  They may also be showing up on your credit report.

Resurgent makes a living out of debt buying of consumer debt, then they file debt collection lawsuits.

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What to do when Sued by Resurgent Receivables LLC

If you’ve been sued by Resurgent Receivables LLC or any debt buyer, it’s essential to take the situation seriously and respond promptly. Here are 5 steps steps you can take:

  1. Review the Summons to Find The Original Creditor: When you’re served with legal papers, Resurgent Receivables is supposed to disclose who the original creditor is that they bought the debt from.  This will give you more of any idea of what the debt collection lawsuit is about.  The case details will be explained in the plaintiffs original petition which is what you are supposed to be served with.  This should show the balance due and account number on the original credit card.
  2. Respond to the Lawsuit: You typically have a limited amount of time to respond to the debt collection lawsuit (usually around 20-30 days, depending on jurisdiction). Failure to respond could result in a default judgment being entered against you. Your response should properly list your defenses to the lawsuit.
  3. Attend Court Hearings: If the case proceeds to court, which is most likely will, make sure to attend all scheduled hearings. Failure to appear could result in a default judgment being entered against you.  Most courts will have multiple settings on the case and you will be required to appear.
  4. Consider Settlement Options: Depending on your financial situation and the specifics of the debt, you may explore settlement options with Resurgent Receivables LLC. After defending the lawsuit, they may be willing to negotiate a payment plan or settle the debt for less than the full amount owed.  It’s important to ensure you get a valid written debt settlement agreement in place to ensure the debt is actually settled.  Resurgent is also required to update your credit report to show that the debt is settled.  They are required to report the debt correctly pursuant to the Fair Credit Reporting Act.
  5. Hire a Debt Relief Law Firm on a Fixed Fee Payment Plan: Dealing with a collection lawsuit is not a fun process.  You are expected to know the Court rules of civil procedure.  You will also likely need to attend multiple Court hearings as stated above.  If you don’t show up the Judge will likely grant a default judgment against you and then you will be dealing with a judgment creditor that has more rights against you.  We charge flat fees to defend debt collection lawsuits and we have payment plans.

Resurgent Receivables Frequently Buys Debt From Credit One Bank

One common creditor that Resurgent Receivables LLC commonly buys debt from is Credit One Bank.  However Resurgent doesn’t just buy the debt from Credit one.  The alleged debt passed through avrious entities.  Here is a screenshot from one of our cases we are defending.

Credit One Bank to MHC Receivables LLC

Here you can see Credit One Bank sold the debt to an entity called MHC Receivables, LLC.  Here is the bill of sale that was produced in our lawsuit.

MHC Receivables LLC transfers to FNMB, LLC

MHC Receivables transferred the alleged credit card debt o FNBM, LLC

FNBM LLC transfers to Sherman Originator III, LLC

MHC Receivables LLC transfers to Sherman Originator III, LLC

MHC Receivables,  apparently also transferred the debt to Sherman Originator III, LLC.  Attached is the bill of sale produced in the litigation:

Sherman Originator III, LLC transfers to Resurgent Receivables, LLC

Finally, after multiple entities, it appears that Sherman Originator III transferred the alleged credit card debt to Resurgent Receivables, LLC.  As you can imagine, all of this transferring of the alleged debt makes proving the debt and the chain of title much more difficult.  In fact, we have identified some discrepencies in the chain which we will raise at trial.

What Happens With a Judgment?

Your Bank Account Can Be Frozen and Emptied by Many Judgment Creditors

A Judgment Can Often Cloud Title on Your Homestead Property

A Judgment is Published on your Credit Report as a “Public Record”

With a Judgment, certain property can be sold at auction to pay towards the judgment

Do I Need a Lawyer?

Without a Lawyer

Default Judgment
The vast majority of collection lawsuits end up with a judgment against the consumer. This is primarily because the consumer did nothing to protect themselves or they attempted to defend the lawsuit themselves.

With a Lawyer

Default Judgment

Most of our cases are dismissed by the creditor prior to trial or we reach a favorable settlement for our clients depending on the circumstances of their situation.

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Meet some of our Lawsuit Staff

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Jessica

Andrew

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Trent

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