What do I do when a debt collector has retained a legal group to collect a old debt?

Asked almost 2 years ago - Torrance, CA

I received a letter from Resurgence Legal Group stating they have been retained by Main Street Acquisition Corp, as assignee of Wells Fargo Bank. It says that I need to respond within 30 days of the notice. I am unable to pay anything at this time. I was wondering what are my options? This debt is from a credit card that has been canceled maybe about 6 yrs ago. When does a debt like this supposed to drop off your credit report? And if it was supposed to be dropped off by now, is it legal for them to sue me? Or is there some kind of loop hole that they can sue? Please help.

Attorney answers (5)

  1. 6

    Lawyers agree

    Answered . You should consult with a local debt settlement attorney to review the specifics of you case and let you know your options.

  2. 6

    Lawyers agree

    Answered . If the communication that you received is a Summons, issued by a court, you need to file a responsive pleading with the court within 30 days.

    If what you received was just a letter dunning you, you are under no legal obligation to respond. If you want to respond, tell them that you dispute their claim and request a copy of relevant documents, such as the original contract or agreement, account application, itemized statement of charges on the account and proof that Resurgent or Main Street is legally entitled to collect on this account.

    I advise you to consult a lawyer to review your specific situation and the relevant documents and to give you specific advise.

    Richard Scott Lysle

  3. 4

    Lawyers agree


    Answered . An attorney would need more information to ascertain whether the debt is barred by the statute of limitations. I would suggest a vigorous defense by first filing an Answer to the Complaint, and then propounding extensive written discovery to ascertain whether or not the plaintiff has any evidence supporting the alleged debt. In many instances, a debt buyer will not have the necessary evidence to prove its case.

    Frank W. Chen has been licensed to practice law in California since 1988. The information presented here is... more
  4. 4

    Lawyers agree

    Answered . Resurgence Legal Group is a Debt Buyer that I assume is related to Resurgence Capital Group (only a guess though) - They most likely purchased your debt. It is a complicated determination as to whether or not the debt is time barred (Meaning within the statue of limitations). With that said, it doesn't sounds like they have sued you. The 30 day notice in the letter you received is standard language that is required under the FDCPA called the Validation Notice. Unless you received a SUMMONS and a COMPLAINT no legal action has been filed against you. Before you are sued, assuming you will be, a law firm will probably contact you a few months from now after Resurgence has been unable to collect from you (unless what you are looking at IS the lawsuit. I would love to see the letter that they sent you. If Resurgence Legal Group is in fact a law firm, if they don't have attorneys licensed to practice law in California we might be able to turn the table on them. I have an attorney I work with in California who I am sure would be happy to help you at no charge. Feel free to reach out to me or another consumer advocate for more detailed help. By the way, Below this answer is a link that has more information about RSC.

    I am an attorney licensed to practice law in Ohio and some Federal Courts throughout the United States. I am not... more
  5. 2

    Lawyers agree

    Answered . Mr. Lysle is tops in this field. You should contact his office directly as this should be a "non issue" and depending on the exact circumstances, may even end up with the "bad guy" paying you money. Admittedly, this is a rare situation, but, it happens from time to time. Give him a call.


Related Topics


There are different types of debt, but all involve one person (the debtor) owing money to another (the creditor). Terms of repayment are governed by a contract.

Debt collection and debt settlement

If you face debt collection you may choose to fight it and defend against garnishment. You may also seek debt settlement as a way to negotiate with creditors.

Ryan Hardy

Accord and Satisfaction in Arizona

In Arizona, two parties can agree to a lesser amount than what is actually owed. In order for this to occur, there needs to be a clear indicator that a full satisfaction of the debt is... more

Can't find what you're looking for? Ask a Lawyer

Get free answers from experienced attorneys.


Ask now

30,446 answers this week

3,568 attorneys answering

Ask a Lawyer

Get answers from top-rated lawyers.

  • It's FREE
  • It's easy
  • It's anonymous

30,446 answers this week

3,568 attorneys answering