George Simons | October 19, 2022
Summary: Jefferson Capital Systems LLC is a debt buyer and collection agency. If Jefferson Capital Systems is suing you for debt, you have up to 35 days to respond, depending on where you live. Use SoloSuit to draft and file your response in just 15 minutes.
Summary: Jefferson Capital Systems LLC is a debt buyer and debt collection agency that has violated the FDCPA to get people to pay off their debt. If you have been sued for a debt by Jefferson Capital Systems LLC, use SoloSuit to respond in just 15 minutes.
Receiving a notice from a debt collection company like Jefferson Capital Systems LLC can be a harrowing, anxiety-inducing event. Why? Because that notice is often followed by a deluge of harassing phone calls and correspondence from debt collectors using questionable tactics to try and extract funds from you for the amount allegedly owed.
When you receive the debt collection notice, you may ask yourself, “who the heck is Jefferson Capital LLC?” Well, Jefferson Capital is a company that actively purchases charged-off debt from other companies. They will then use their vast resources to try and collect on the debt, including potentially filing a lawsuit. In most cases, Jefferson Capital LLC will retain the services of a local debt collection attorney to pursue the lawsuit against you.
If you are getting endless calls from a Jefferson Capital debt collector, or have been served with a lawsuit, SoloSuit stands ready to help you during this stressful time.
In this article, we've compiled important information to help simplify responding to debt collection lawsuits. We will also discuss everything you should know about Jefferson Capital Systems LLC, your rights, and how to win in court.
Let's jump right in.
Jefferson Capital Systems LLC is a professional debt buyer and debt collection agency headquartered in Minnesota. Jefferson Capital Systems collects debts all over the country. This company is known for purchasing debts from creditors for a small percentage of the original debt amount and trying to collect the full amount from consumers.
If you need reach Jefferson Capital, use the following contact information:
Jefferson Capital Systems, LLC
16 McLeland Road
St. Cloud, MN 56303
Jefferson Capital Systems LLC collects for fortune 500 creditors, banks, telecommunication and utility providers, credit card issuers and some of the nation's largest auto finance companies.
In other words, these industries may hire Jefferson Capital Systems to collect a debt that they don't have the time to pursue. Jefferson Capital's client base is constantly changing, so even if you don't recognize the debt collection agency's name, you still might owe a debt to a creditor like a credit card company or bank.
As of 2022, the Better Business Bureau received close to 1,200 consumer complaints against Jefferson Capital Systems over the last three-year period. More than 300 of those complaints were filed in 2022 alone. Many consumers highlighted serious issues with billing and collection practices.
Jefferson Capital Systems has a rating of only 1.7 out of 5 stars from more than 400 Google reviews. On its BBB profile, Jefferson Capital only reached a 1.3-star rating out of more than 50 consumer reviews.
Let's take a look at a real complaint from the Jefferson Capital Systems' BBB profile:
“I reported this collection as fraudulent to Experian and had it removed from my credit report 03/22. I received a letter from Jefferson Capital on 08/22 with a bill for the amount. I called Jefferson Capital and informed them this had been successfully disputed and removed from my credit report and asked them to remove me from their system. They then asked me to confirm my SSN, when I told them I would not give them my SSN the representative asked if he could read back to me the number they had on file and if I could confirm it that way. He was willing to read my social off without confirmation of who I was! This is absurd. I told them I would not confirm that way and asked for them to remove me once more and hung up. I would like to report this so I have evidence of the incident in case any more issue follows or they attempt to refuel with the credit bureau.”
So, if you're feeling frustrated with the way Jefferson Capital Systems is treating you, you're not alone. Do not fret if you receive a debt collection notice, or are served with a debt collection lawsuit from Jefferson Capital. You have legal rights that can protect you from unfair collection practices.
A number of debt collection companies, including Jefferson Capital Systems LLC, routinely try to take advantage of consumers since they assume that most people are unaware of their legal rights granted by the Fair Debt Collection Practices Act (FDPCA). As a result, many debt collectors will utilize highly questionable tactics or engage in downright harassing behavior in an effort to collect on the outstanding debt.
A great way to combat these inappropriate practices is to understand your legal rights and use them to defend yourself. For example, here are a number of actions that debt collectors CANNOT do according to the FDCPA:
If Jefferson Capital Systems LLC has used any of these tactics to get you to pay off a debt, you may be entitled to compensation of up to $1,000 per violation of the FDCPA. You should report this behavior to the FTC, CFPB, and your state's attorney general.
If you discover a collection or charge-off on your credit report from Jefferson Capital, there are specific actions you can take to get it removed from your credit report. This is important because a collection or charge-off on your credit report can seriously hurt your credit score.
First and foremost, when you discover the collection or charge-off entry on your credit report, immediately file a dispute with the three major credit bureaus (i.e. Transunion, Experian, and Equifax). Once you file the formal dispute, the credit bureaus are obligated to conduct an investigation into the veracity of the collection effort (which is usually completed within 30 days).
Along with filing a dispute with the major credit bureaus, you should also demand a debt validation from Jefferson Capital Systems LLC. The FDCPA states that you have a statutory right to demand a debt validation.
You can request a debt validation by sending a Debt Validation Letter to Jefferson Capital Systems. The debt collection company must then provide documents and other evidence to substantiate the collection effort. The company must produce evidence within 30 days of receiving your validation demand. If the debt collector cannot provide sufficient evidence, the negative entry should be removed completely from your credit report.
Let's take a look at an example.
Example: Jeff has an old debt of $1,000 with a credit card company. He hasn't made payments on the account in a few years, and recently, Jeff has received several phone calls and letters from Jefferson Capital Systems LLC regarding the debt. Jeff finds out that Jefferson Capital Systems purchased the old debt from the credit card company for just $100, but they are trying to get him to pay the full amount. Jeff uses SoloSuit to send a Debt Validation Letter to Jefferson Capital Systems, and the debt collection company realizes they don't have the necessary documentation to prove that the debt was transferred to them. They stop calling and writing Jeff about the debt.
To learn more about how the debt validation process works, check out this video:
If you are being sued by Jefferson Capital Systems, it is extremely important to take action and defend yourself. First and foremost, when a debt collector files a lawsuit, they will file a formal Summons and Complaint against you, the alleged debtor, in court. They must also serve you these documents properly. The Summons and Complaint are legal documents that notify you of the lawsuit and list the specific allegations made against you.
The first step to beating Jefferson Capital Systems LLC in court is to respond to the lawsuit with a written Answer document. Here are some tips when drafting your Answer:
Let's consider another example.
Example: Jane is sued by Jefferson Capital Systems LLC for a credit card debt of $3,000 in California. She uses SoloSuit to respond to the lawsuit with an Answer document before the 30-day deadline. In her Answer, Jane denies all the allegations listed in the Complaint from Jefferson Capital. After a few months, Jane finds out that Jefferson Capital Systems has dismissed the case voluntarily because they couldn't prove all their claims.
Learn more about how to respond to a debt collection lawsuit in this video:
When responding to Jefferson Capital's Complaint, be sure to remember that the burden of proof in establishing liability for the debt falls on the debt collector, not you (the alleged debtor).
Essentially, this means the debt collector carries the legal burden to prove the following:
If you know that Jefferson Capital Systems cannot prove one of these claims, you should list it as an affirmative defense in your Answer.
Another affirmative defense you should consider raising is the expiration of the applicable statute of limitations. You may be asking yourself, “what is a statute of limitations?” Well, the statute of limitations is a fancy legal term that basically means the amount of time someone has to file a lawsuit against another person or company. It is important to note that the statute of limitations will vary depending on the state in which you reside.
Don't make any payments to a debt collector until you verify the statute of limitations on your debt. If the statute of limitations has already expired, making a payment will restart the clock. This will give the collector the right to sue you again.
In addition to raising the statute of limitations as an affirmative defense, you should consider filing a “Countersuit” or “Counterclaim” if you have evidence that Jefferson Capital Systems LLC violated the FDPCA. If you have such evidence, you could be eligible for compensatory damages and reimbursement of your legal fees.
Jefferson Capital Systems LLC is headquartered in Minnesota, but they often send out debt collection letters from the address P.O. Box 1120 Charlotte, NC. This is a strategic method that aims to confuse consumers, like you, and trick them into settlement payments that Jefferson Capital can process without actually resolving the debt.
Several class action lawsuits have been filed against Jefferson Capital Systems for the deceptive use of the address PO Box 1120 Charlotte, NC. For example:
If you've been contacted by Jefferson Capital Systems LLC from PO Box 1120 Charlotte, NC, you should do some investigating before sending any payments over.
SoloSuit makes it easy to fight debt collectors.
You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.
SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.
"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James
You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now or are just looking for support, we're here for you.
Here's a list of guides for other states.
Being sued by a different debt collector? Were making guides on how to beat each one.
Is your credit card company suing you? Learn how you can beat each one.
Need more info on statutes of limitations? Read our 50-state guide.
Need help managing your finances? Check out these resources.