If you are seeing names like LVNV Funding, Resurgent Capital Services, or Credit One Bank on a letter or credit report, you may be dealing with an account connected to Sherman Financial Group LLC. Do not treat the first call as a payment deadline. Treat it as a documentation problem: you need the creditor name, the balance breakdown, and proof that the right entity has the right to collect.
This guide is for people searching the name because something feels unclear or high-pressure. It focuses on real identifiers found in public records, practical verification steps, and the safest ways to respond when you need proof, a dispute, or a payment plan.
Related searches you may be running
People looking for the same issue often search phrases like Sherman Financial Group Debt Collection, Sherman Financial Group Collections, Sherman Financial Group Collection Agency, Sherman Financial Group Phone Number, Sherman Financial Group Reviews, Sherman Financial Group Harassment, Sherman Financial Group online payment, and Sherman Financial Group payment. Those queries usually point to the same goal: confirm the right company, get proof, and avoid a rushed payment.
Table of contents
- Who is this company?
- Why you might be contacted
- What harassment can look like
- When conduct may break federal rules
- Collection lawsuits and what “legal action” really means
- Phone numbers, addresses, and identity checks
- How to stop calls and keep evidence
- What proof to request to verify the debt
- Templates and checklists
- Online payment and safe payment steps
- Credit reporting and disputes
- Subsidiaries and related brands
- Reviews and complaint themes
- Scam and impersonation warning signs
- What to do if the debt is wrong or too old
- Get help with harassment
- Success stories
- FAQs about calls and validation
- FAQs about payment and credit reporting
Who is Sherman Financial Group LLC?
Sherman Financial Group LLC is a Charleston, South Carolina-based holding company that public records connect to consumer finance and debt recovery affiliates. A published OCC CRA evaluation discusses Credit One Bank and identifies it as an affiliate of Sherman Financial Group LLC.
In litigation, courts have also described a corporate family where a debt buyer and a servicing company operate under the same umbrella. For example, a Tennessee appellate decision describes LVNV Funding LLC and Resurgent Capital Services L.P. as subsidiaries of Sherman Financial Group LLC.
What you may see on letters, voicemails, or credit reports
Many consumers do not see the parent-company name at all. Instead, they see:
- LVNV Funding as the alleged debt owner
- Resurgent Capital Services as the servicer or collector handling communications and payments
- Credit One Bank as the original creditor on certain accounts
That distinction matters because your proof request and payment receipt may come from the servicer even if a different entity claims it “owns” the balance.
Why you might be contacted
Contact linked to Sherman Financial Group LLC usually traces back to a consumer account that was charged off, sold, or placed with a collector, then serviced under another brand name.
Here are the most common “why is this happening?” scenarios:
- Charged-off credit card or loan debt: the original creditor closes the account and sells or assigns it.
- Servicing change: the company calling you changes, but the alleged balance stays the same.
- Wrong-party collection: mixed-file errors happen when old addresses, shared phone numbers, or similar names collide.
- Fraud or identity theft: the account exists on paper, but you did not open it.
- Old lawsuit or judgment activity: a prior court case can lead to later collection steps, depending on state law.
If the caller cannot clearly state the original creditor, account type, and the date range, do not guess. Ask for a written breakdown and move communication into writing.
What Sherman Financial Group LLC harassment can look like
Harassment concerns tied to this corporate family typically come up when contact feels like pressure without documentation. The issue is often the pattern: repeated calls, vague voicemails, or “urgent” language that does not explain the debt.
Common real-world examples include:
- Calls repeating after you say, “Send it in writing.”
- A representative pushing payment before you have a validation notice.
- Different agents giving different creditor names or balances.
- A voicemail that says “time-sensitive matter” but provides no debt details.
Call-frequency presumption under Regulation F
Federal rules include a call-frequency presumption tied to a specific debt. More than seven telephone calls within seven consecutive days about a particular debt, or calling within seven days after a telephone conversation about that debt, is presumed to be a violation (with context and exceptions).
So, a clean call log can be evidence. Save screenshots, voicemails, and dates.
Is Sherman Financial Group LLC conduct may break federal rules
Whether Sherman Financial Group LLC is “breaking the law” depends on who is contacting you (servicer, debt buyer, or another collector) and what they actually did. The FDCPA restricts harassing, oppressive, or abusive conduct by covered debt collectors.
Conduct that may raise compliance concerns, depending on the facts:
- Repeated calls aimed at annoying or pressuring you
- Threats of arrest or criminal consequences for nonpayment
- False statements about lawsuits, wages, or “immediate” legal action
- Disclosing your debt to third parties who are not authorized
- Refusing to send validation information while demanding payment
Quick reference
| What you experience | Why it matters |
| 8+ calls in 7 days about one debt | May trigger Regulation F presumption |
| Threats of arrest | May indicate an improper threat |
| You ask for validation, but they only demand payment | Documentation may be missing |
| Employer or family hears debt details | Third-party disclosure concerns |
Sherman Financial Group LLC Collection lawsuits and what “legal action” really means
Collection lawsuits connected to this corporate family usually appear under affiliate names, not always under the parent-company name. Courts have described LVNV and Resurgent in consumer debt collection litigation, including disputes about collection practices and account handling.
What “real” legal action looks like
A real lawsuit usually comes with:
- A summons and complaint
- A court name and case number
- A deadline to respond
Phone threats are not court papers. If you receive paperwork, respond by the deadline even if you think the debt is wrong.
If someone mentions garnishment or bank freezes
Wage garnishment or a bank restraint generally requires a court judgment and additional legal steps. If a caller uses those words without paperwork, treat it as a red flag and request written proof.
Sherman Financial Group LLC Phone numbers, addresses, and identity checks
Start with an identity check before you share sensitive details. Match what is on your letter to public listings, then confirm which entity is actually handling your account.
Public contact (verified by public sources)
| Name you may see | Phone number | Address | What it is |
| Sherman Financial Group LLC | (212) 983-9160 | 200 Meeting St, Charleston, SC 29401 | Corporate listing |
| Resurgent Capital Services | 1-888-665-0374 | PO Box 10497, Greenville, SC 29603 | Servicer and support portal |
| Credit One Bank | (877) 825-3242 | 6801 S Cimarron Rd, Las Vegas, NV 89113 | Bank contact info in BBB listing |
If your caller’s “company name” does not match the address and identifiers on your notice, do not confirm personal data. Scammers spoof caller ID and use real brand names.
How to stop Sherman Financial Group LLC calls and keep evidence
You cannot control whether a collector tries to reach you, but you can control how you respond and how strong your paper trail becomes.
Use this plan:
- Stop live phone negotiations. Let calls go to voicemail.
- Build a call log. Date, time, number, and what was said in one sentence.
- Request validation in writing. Keep proof of delivery.
- Move communication into writing. Short sentences; no explanations.
- Protect your identity. Do not give full SSN, bank login details, or debit card numbers on an inbound call.
If calls appear excessive, compare your call log to the Regulation F presumption and keep every screenshot.
What proof to request to verify the debt
Sherman Financial Group LLC disputes and verification requests work best when you ask for the same core documents every time, and you keep the request short.
Ask for:
- Original creditor name and the account type
- An itemized balance (principal, interest, fees)
- Date of last payment and charge-off date, if applicable
- Documentation that the current owner has the right to collect
- The collector’s dispute address and a copy of the validation notice
Federal law includes a validation framework that consumers can use to request information and dispute a debt.
A simple script for the first call
Say one sentence and stop:
“I’m not discussing payment today. Please send me written validation and the dispute address.”
Templates and checklists
Validation checklist you can keep on one page
A collector response is most useful when it answers specific questions. When you receive a reply, check whether it includes:
- The original creditor’s full name and the account type
- A statement showing how the balance was calculated (principal, interest, fees)
- The date of default or charge-off and the date of last payment they are relying on
- A clear statement of who owns the account today
- A dispute address where you can send documents and a reference number for your file
If the response is only a screenshot with a balance, or it does not connect the debt to you, follow up in writing and keep your follow up short. When you mail letters, keep copies, send them with tracking, and save delivery confirmations. Do not send documents that reveal your full Social Security number or bank account information.
Call log template
A simple call log can strengthen disputes. Track: date, time, caller number, the name used by the caller, what was said in one sentence, and whether a voicemail was left. If calls are frequent, this log also helps you compare the pattern to the Regulation F presumption and describe the issue clearly to a lawyer or regulator.
Online payment and safe payment steps
Payments tied to this group are often processed through a servicer portal. Resurgent’s consumer information page describes online access for accounts it services and lists a consumer phone number.
If you choose to pay, use a proof-first approach:
- Verify the owner and servicer. Who owns the debt and who is taking payment?
- Confirm what payment does. Will it close the account or only reduce it?
- Get settlement terms in writing. Do not rely on verbal promises.
- Pay using a traceable method. Save confirmations and receipts.
- Avoid scam methods. Gift cards, crypto, and wire transfers are major red flags.
One more safety step: if you pay by phone, ask for the representative’s name, request a confirmation number, and confirm the mailing address where a written receipt will be sent. If they refuse receipts, pause and pay only after proof arrives.
What to ask Sherman Financial Group LLC before you pay
- “Will you email or mail a written receipt showing the new balance?”
- “If this is a settlement, will you confirm the account is satisfied?”
- “Will interest or fees continue after payment?”
Credit reporting and disputes
A common reason people search for Sherman Financial Group LLC is a credit report entry they do not recognize. The first step is to identify the tradeline name. It might appear under LVNV, Resurgent, or another identifier.
When you see a tradeline you do not recognize:
- Pull reports from all three bureaus and compare them.
- Dispute errors in writing and keep copies.
- If the debt is paid, keep proof. If it is not yours, keep identity documentation.
If a collector reports inaccurate information, dispute both with the bureaus and directly with the furnisher when appropriate.
Subsidiaries and related brands
Sherman Financial Group LLC subsidiaries and related brands are relevant because the name on your letter may not match the company that owns the account. Public sources describe an affiliate relationship with Credit One Bank and describe debt-buyer and servicing subsidiaries referenced in court decisions.
In practice, that means you should focus on the identifiers on your notice: the alleged original creditor, the current owner, the servicer, and the dispute address. When any of those pieces are missing, treat the contact as unverified until you receive written documentation.
Sherman Financial Group LLC Reviews and complaint themes
Sherman Financial Group LLC reviews are usually discussed through the affiliate brand that consumers interact with, especially banks or servicers that send statements and take calls. For example, Credit One Bank has a public BBB profile where consumers post complaints and reviews about billing, customer service, and account handling.
Complaint themes do not prove a violation by themselves, but they help you spot patterns that match your situation. If your issue is an unexplained balance change, a confusing servicer transfer, or repeated calls without clear proof, your next step should still be the same: demand validation, keep a call log, and keep everything in writing.
Scam and impersonation warning signs tied to Sherman Financial Group LLC
Scammers sometimes impersonate real collectors by spoofing caller ID and using a corporate-sounding name like Sherman Financial Group LLC. If a caller demands same-day payment, refuses to mail proof, or asks for unusual payment methods, stop and verify using the address and phone number on a written notice and public listings.
What to do if the Sherman Financial Group LLC debt is wrong or too old
If you believe the debt is wrong:
- Dispute in writing and request full documentation.
- Do not admit liability on the phone.
- Do not “restart” the issue by paying before you understand the timeline.
If you believe the debt is too old:
- Ask for the date of last payment in writing.
- Check your state’s statute of limitations rules before you agree to anything.
- Be careful with partial payments or promises, which can have consequences in some situations.
Get help with harassment
If you believe the Sherman Financial Group LLC contact has crossed the line, legal support can help you organize evidence, demand proof correctly, and respond to deadlines without guessing.
Consumer Rights Law Firm PLLC helps consumers respond to debt-collection pressure with a proof-first plan. If calls or letters feel excessive, confusing, or aimed at the wrong person, the firm can review notices, voicemails, and credit reports and help you request validation, dispute inaccuracies, and move communication into writing.
If there is a lawsuit, garnishment threat, or older judgment, they can help you understand deadlines and options so you do not guess under pressure. They may also evaluate whether the facts support claims under the FDCPA, TCPA, or FCRA Online Services. You can also get guidance on safe payment steps and disputes.
Consumer Rights Law Firm PLLC
133 Main Street, Second Floor, North Andover, MA 01845
Phone: +1 877-700-5790 | Email: help@consumerlawfirmcenter.com
Success stories
FAQs about Sherman Financial Group LLC for Calls and Validation
What is Sherman Financial Group LLC?
Sherman Financial Group LLC is a holding company linked in public records to consumer finance and debt recovery affiliates, including an affiliation with Credit One Bank and subsidiaries referenced in court decisions.
If your letter lists a different brand name, focus on the owner, servicer, and dispute address shown on the notice.
Why am I getting calls linked to this company?
Calls often relate to an alleged past-due account being serviced or collected under an affiliate name. The safest move is to request written validation and verify the details before paying. If the caller is vague, treat it as unverified.
What is harassment in this context?
Harassment concerns often involve repeated calls, unclear letters, or pressure to pay before proof is provided. Call frequency can matter under Regulation F.
Keep a call log and save voicemails.
What is the corporate phone number listed in public records?
A public business listing shows (212) 983-9160, but your notice may list an affiliate number. Match your letter to public listings before sharing personal data.
If the caller refuses to provide a mailing address, pause and verify.
What phone number is commonly used for servicing calls?
Resurgent’s consumer information page lists 1-888-665-0374 for consumer contact in connection with accounts it services.
Use the number on your written notice when possible, and keep a record of who you spoke with.
FAQs about Sherman Financial Group LLC For Payment & Credit Reporting
Is this a scam?
The name itself can be legitimate, but impersonation scams exist. If a caller refuses written proof or demands unusual payment methods, pause and verify through written notices and public contact listings. Save every message as evidence.
How do I request proof?
Send a short written validation request asking for the original creditor, itemized balance, and proof of authority to collect. Federal law provides a validation framework for disputes.
Keep proof of delivery and copies of everything you send.
Can they sue me?
A collector or debt owner may sue on a valid debt in some situations. Real lawsuits come with court documents and response deadlines, not only phone threats. If you are served, respond on time even if you dispute the debt.
How do I pay safely?
Pay only after you verify the debt, get settlement terms in writing, and use a traceable method. Save receipts and confirmation numbers. Avoid gift cards, crypto, and wire transfers.
Can Consumer Rights Law Firm PLLC help?
Yes. They can help you organize evidence, request validation, dispute inaccurate reporting, and evaluate whether conduct may violate consumer protection laws depending on the facts. Use the phone and email listed above if you want a proof-first review.
