How to Pay Collections

Escape the gravity of debt with our guide to resolving an account in collections.

Resolve Resurgent Account Online
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If a customer becomes delinquent on an account, that account may be referred to as “a debt in collections.” The creditor with whom the customer originally opened their account with may choose to sell that account after a period of time. This does not mean the debt goes away. It just means that a new owner, or creditor, now has the right to collect.

The new owner can either collect the debt themselves or outsource collection activities, like phone calls, emails, letters, or texts, to a licensed collection agency.

Resurgent's self-service portal provides customers access to their full account timeline, flexible payment options, and payment reminders.

The countdown to financial freedom starts here.

Verify Information

Carefully review your credit report to identify who owns your account, the outstanding balance, and who to contact.

Debt collection companies will often reach out to provide this information to you through letters, emails, texts, or phone calls.

Pro-Tip: Get all of the available information on your account by creating a profile.

Review Options

Some collection agencies will offer a variety of payment terms. Be sure to choose one that is realistic and best fits your financial situation. To do this, you should evaluate your existing expenses, your income and how much you can contribute to resolving your account.

Pro-Tip: If you have an account with Resurgent, you may be eligible for special offers, extended payment options and more through the portal.

Stay Consistent

Once you decide to enroll in a repayment plan, it’s important to stay consistent. Aligning your payments with your payday has shown to help customers resolve debt. Resolving a debt in collections is no small feat, so congratulate yourself as you reach milestones.

Pro-Tip: You can download payment reminders to help you stay in the know throughout your repayment journey.

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Know you're not alone.

Having a debt in collections is more common than you may realize. Studies show that one in three Americans have a debt in collections1. Fortunately, debt collection has gone digital, making it easier than ever to resolve your debt in a way that works for you. Here are a few of Resurgent’s digital features:

  1. Choose a payment plan that works for you on our website
  2. Contact our Customer Care Team via a secure message
  3. Login to your account and chat with one of our helpful live agents who can assist you with your account

1 According to survey of consumer views on debt conducted by the Consumer Financial Protection Bureau in 2015.

Have a question about Resurgent or our common practices?

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Please note this page is for informational purposes only and should not be considered legal advice.