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Who is Jefferson Capital Systems LLC — How to win in court

George Simons | December 06, 2023

Edited by Hannah Locklear

Fact-checked by Patrick Austin, J.D.

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.

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What is Jefferson Capital Systems LLC?

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
1-833-851-5552

Who does Jefferson Capital Systems collect for?

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.

Jefferson Capital Systems LLC has received bad reviews and many complaints

On its Better Business Bureau (BBB) profile, Jefferson Capital only has 1.23 out of 5 stars. Google Reviews gives Jefferson Capital an average of 1.8 out of 5 stars.

The BBB has received hundreds of complaints against Jefferson Capital Systems. Many of these complaints are consumers highlighting serious issues with billing and collection practices.

Let's take a look at a real complaint against Jefferson Capital Systems, as listed on its BBB profile:

“I reported this collection as fraudulent to Experian and had it removed from my credit report. I received a letter from Jefferson Capital a few months later 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.

The FDCPA gives you rights that can protect you from Jefferson Capital Systems

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:

  • A debt collector cannot call your home or mobile phone before 8:00 a.m. or after 9:00 p.m.
  • A debt collector cannot contact you at your place of employment.
  • A debt collector cannot use vulgar language during a phone call with you.
  • A debt collector cannot threaten you with legal action if they cannot or do not plan to take it.
  • A debt collector cannot discuss your debt with anyone except for you, your spouse, and your attorney.
  • A debt collector cannot pretend to be the police, a judge, or any government official.

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.

Use these strategies to fight back against Jefferson Capital Systems LLC

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).

Send a Debt Validation Letter to Jefferson Capital Systems LLC

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.

Make a Debt Validation Letter in minutes with SoloSuit.

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:

Defend yourself in a Jefferson Capital Systems debt collection lawsuit

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:

  • Do not admit liability for owing the debt. Why? Because the creditor bears the burden to prove that the outstanding debt is your responsibility.
  • Make sure to file the Answer with the Clerk of Court in a timely manner. You have up to 35 days to respond to a debt lawsuit, depending on which state you live in.
  • Request a stamped copy of the Answer from the Clerk of Court and mail this stamped copy to Jefferson Capital Systems LLC.

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.


SoloSuit makes it simple to respond the right way.

Learn more about how to respond to a debt collection lawsuit in this video:

Use these affirmative defenses in your Answer to Jefferson Capital's Complaint

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:

  1. You are the individual responsible for the debt.
  2. The debt collector possesses the legal right to sue you.
  3. You actually owe a specific amount to Jefferson Capital Systems LLC.

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.

Make the right affirmative defense the right way with SoloSuit.

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.

Why does Jefferson Capital Systems LLC contact me from PO Box 1120 Charlotte, NC?

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.

What is SoloSuit?

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.

Respond with SoloSuit

"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


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