Debt collectors like Jefferson Capital Systems, LLC cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all.
THE BEST PART IS…
If Jefferson Capital Systems violated the law, you will get money damages and Jefferson Capital Systems will pay your attorneys’ fees and costs. You won’t owe us a dime for our services. Plus, some of our clients also receive debt relief and cleaned-up credit reports. You have nothing to lose!Call us today at 888-572-0176 for a free consultation.
Who is Jefferson Capital Systems, LLC?
Jefferson Capital Systems is a debt collection agency based in St. Cloud, Minnesota, and former subsidiary of “Atlanticus Holdings Corporation,” based in Atlanta, Georgia. Founded in 2002, Jefferson Capital Systems has been accredited by the Better Business Bureau since December 2005, but has received over 1,100 negative reviews and complaints via the BBB in the past three years, most of which are for billing/collection problems and sales/advertising problems.
Jefferson Capital Systems’s Address, Phone Number, and Contact Information
Jefferson Capital Systems is located at 16 McLeland Road, St. Cloud, MN 56303. The main telephone number is 833-851-5552 and the main website is www.myjcap.com/. The corporate website is https://www.jeffersoncapitalinternational.com/us/
Phone Numbers Used by Jefferson Capital Systems
Like many debt collection agencies, Jefferson Capital Systems may use many different phone numbers to contact debtors. For an advanced search, visit www.agrussconsumerlaw.com/ and click “Number Search” in the “Lookup” dropdown menu. Here are some phone numbers Jefferson Capital Systems may be calling you from:
- 320-300-4492
- 800-348-3381
- 866-805-9214
Jefferson Capital Systems Lawsuits
If you want to know just how unhappy consumers are with Jefferson Capital Systems, take a look at the lawsuits filed against the agency on the Public Access to Court Electronic Records (“PACER”). PACER is the U.S.’s federal docket which lists federal complaints filed against a wide range of companies. A search for the agency will display over 5,400 lawsuits filed across the U.S., most of which involve violations of consumer rights and/or the Fair Debt Collection Practices Act (FDCPA).
Jefferson Capital Systems Complaints
The Fair Debt Collection Practices Act (FDCPA) is a federal law which applies to everyone in the United States. In other words, everyone is protected under the FDCPA, and this Act is a laundry list of what debt collectors can and cannot do while collecting a debt, as well as things they must do while collecting debt. If Jefferson Capital Systems is harassing you over a debt, you have rights under the FDCPA.
The Telephone Consumer Protection Act (TCPA) protects you from robocalls, which are those annoying, automated, recorded calls that computers make all day long. You can tell it’s a robocall because either no one responds on the other end of the line, or there is a delay when you pick up the phone before a live person responds. You can receive $500 per call if Jefferson Capital Systems violates the TCPA.Have you received a message from this agency that sounds pre-recorded or cut-off at the beginning or end? These are tell-tale signs that the message is pre-recorded, and if you have these messages on your cell phone, you may have a TCPA case against the agency.
The Electronic Fund Transfer Act (EFTA) protects electronic payments that are deducted from bank accounts. If Jefferson Capital Systems took unauthorized deductions from your bank account, you may have an EFTA claim against the agency. Jefferson Capital Systems, like most collection agencies, wants to set up recurring payments from consumers; imagine how much money it can earn if hundreds, even thousands, of consumers electronically pay them $50 – $100 or more per month. If you agreed to this type of reoccurring payment, the agency must follow certain steps to comply with the EFTA. Did Jefferson Capital Systems continue to take electronic payments after you told them to stop? Did they take more money from your checking account than you agreed to? If so, we can discuss your rights and potential case under the EFTA.
The Fair Credit Reporting Act (FCRA) works to ensure that no information reported to your credit report is false. In essence, it gives you the right to dispute those inaccuracies that you find on your credit report. We’ve handled many cases in which a debt collection agency reported debt on a consumer’s credit report to obtain leverage over the consumer. If Jefferson Capital Systems is on your credit report, they may tell you that they’ll remove the debt from your credit report if you pay it;this is commonly known as “pay for delete.”If the original creditor is on your report rather than the debt collector, and you pay off the debt, both entities should accurately report this on your credit report.
Several states also have laws to provide its citizens an additional layer of protection. For example, if you live in California, Florida, Michigan, Montana, North Carolina, Pennsylvania, Texas, or Wisconsin, you may be able to add a state-law claim to your federal law claim above. North Carolina, for example, has one of the most consumer-friendly statutes in the country: if you live in NC and are harassed over a debt, you may receive $500 – $4,000 in damages per violation. We work with a local counsel in NC and our NC clients have received some great results in debt collection harassment cases. If you live in North Carolina and are being harassed by a debt collector, you have leverage to obtain a great settlement.
How do we Use the Law to Help You?
We will use state and federal laws to immediately stop Jefferson Capital Systems’s debt collection. We will send a cease-and-desist letter to stop the harassment today, and if Jefferson Capital Systems violates the FDCPA, EFTA, FCRA, or any state law, you may be entitled to money damages. For example, under the FDCPA, you may receive up to $1,000 in damages plus actual damages. The FDCPA also has a fee-shift provision, which means the debt collector will pay your attorneys’ fees and costs. If you have a TCPA case against the agency, we will handle it based on a contingency fee and you won’t pay us a dime unless you win.
THAT’S NOT ALL…
We have helped thousands of consumers stop phone calls and we know how to stop the harassment and get you money damages. Once again: you will not pay us a dime for our services. We will help you based on a fee-shift provision and/or contingency fee, and the debt collector will pay your attorneys’ fees and costs.
What if Jefferson Capital Systems is on my Credit Report?
Based on our experience, some debt collectors may credit-report, which means one may mark your credit report with the debt they are trying to collect. In addition to or instead of the debt collector, the original creditor may also be on your credit report in a separate entry, and it’s important to properly identify these entities because you will want both to update your credit report if or when you pay off the debt.
THE GOOD NEWS IS…
If Jefferson Capital Systems is on your credit report, we can help you dispute it. Mistakes on your credit report can be very costly: along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or even being a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute it, and my office will help you obtain your credit report and dispute any inaccurate information.
REMEMBER…
If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (FCRA), you may be entitled to statutory damages up to $1,000, and the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision, which means the credit reporting agency will pay your attorneys’ fees and costs. You won’t owe us a dime for our services. We have helped hundreds of consumers fix inaccurate information on their credit reports, and we’re ready to help you, too.
Complaints against Jefferson Capital Systems
If you’re on this page, chances are you are just like the hundreds of consumers out there being harassed by Jefferson Capital Systems. Here are some of theBBB reviews and complaints against Jefferson Capital Systems:
- “Received a notice from this “company” demanding payment of $1446 on an old debt. I sent them a letter well within the 30 days required requesting that they provide proof that they are authorized to collect on this debt. I will not pay to a slimy company without proof as there is no guarantee that it will resolve the debt and not them scamming the money. I received nothing. It is also impossible to reach them by phone and if you do finally get a pickup, you sit forever on hold (burning my cell minutes). Yes, I became unemployed after an auto accident and got behind in bills, but I refuse to be bullied by this shady company when they refuse to provide the proof I requested months ago!”
- “I check my credit on a regular basis, and this company just reported to the three top credit reporting agencies that I owe them $265 from a utility company I haven’t done business with in about 8 years. My utilities have been included in my rent for the last 5 years. I also have not received anything in the mail from them, ever. They don’t even have my address. My credit score just dropped 50 points due to this act of fraud. I might sue them.”
- “They have a fraudulent system of collections, where they send new information to credit bureaus with false dates and update their internal systems with false dates to make debts appear to be recent even if well over a decade old. Such systems make it difficult to collect from customers who fear the debt actually being recorded and submitted to credit bureaus due to their trademark fraudulent “changing” information techniques, which may also be applied to paid-off debts. They are a high lawsuit risk for companies who utilize them as a collection agency.”
Based on 100+ reviews on Google, Jefferson Capital Systems receives a 1.4-out-of-5 rating. Here are some of the reviews on Google:
- “They seemed nice at first, but it was all a front! I was told that they were calling me about a debt I owed, but the last four of the SSN they asked me to confirm was not mine! I told them this and they said they would mark it down, but it is still on my credit report and there’s no remarks about it anywhere.”
- “I keep getting a notice every month staying I owe a certain amount. First the amounts are never the same, they won’t tell me who the original is, and how old the debt is. Funny thing, I only have 2 things in collections and neither amount matches. Fake debt to get me to pay over $1,000. You can always rely on them not answering and when they do, they treat you like you are lying. Don’t pay them a dime!”
- “[Jefferson Capital Systems] are criminals that are engaging in illegal collection activities. They buy old debt for pennies on the dollar, and then use illegal, strong arm tactics to try and force you to pay. Do not pay them, for they will not remove it from your credit.”
Cases We’ve Handled against Jefferson Capital Systems
I THINK YOU’LL AGREE WITH ME WHEN I SAY…
I think you’ll agree when we say that threats and harassment from collection agencies can be pretty intimidating. However, we can stop the harassment and get you money damages under the law, and the collection agency will pay your attorneys’ fees and costs. Here is one case we’ve handled against Jefferson Capital Systems:
- Jeremy U. v. Jefferson Capital Systems, LLC – In August 2015, Jeremy of Milam County, Texas, filed a complaint against Jefferson Capital Systems for violations of the Fair Debt Collection Practices Act (FDCPA). Complaints included using “false representations or deceptive means” to attempt to collect a debt and/or personal information from the plaintiff and failing to report a disputed debt to the major credit bureaus. The case was settled in September 2015 and Jeremy was compensated for the damages.
What Our Clients Say about Us
Mike Agruss Law has over 900 outstanding client reviews through Yotpo, an A+ BBB rating, and over 125 five-star reviews on Google. Here’s what some of our clients have to say about us:
“Michael Agruss handled two settlements for me with great results and he handled them quickly. He also settled my sister’s case quickly and now her debt is clear. I highly recommend Michael.”
“Mike Agruss Law was very helpful, they helped me solved my case regarding the unwanted calls. I would highly recommend them. Thank you very much Mike Agruss!”
“Mike Agruss Law was very helpful to me and my veteran father! We were harassed daily and even called names for a loan that was worthless! Agruss stepped in and not only did they stop harassing, they stopped calling all together!! He even settled it so I was paid back for the problems they caused!”
Can Jefferson Capital Systems Sue Me?
Although anyone can sue anyone for any reason, we have not seen Jefferson Capital Systems sue consumers, and it’s likely that the agency does not sue because they don’t always own the debt they are attempting to collect, and would also need to hire a lawyer, or use in-house counsel, to file a lawsuit. It’s also likely that the agency collects debt throughout the country, and it would be quite difficult to have lawyers, or a law firm, licensed in every state. However, there are collection agencies that do sue consumers; for example, Midland Credit Management is one of the largest junk-debt buyers, and it also collects and sues on debt. Still, it is less likely for a debt collector to sue you than for an original creditor to hire a lawyer or collection firm to sue you. If Jefferson Capital Systems has threatened to sue you, contact Mike Agruss Law as soon as possible.
Can Jefferson Capital Systems Garnish my Wages?
No, unless they have a judgment. If Jefferson Capital Systems has not sued you, then the agency cannot get a judgment. Barring limited situations (usually involving debts owed to the government for student loans, taxes, etc.), a company must have a judgment in order to garnish someone’s wages. In short, we have not seen this agency file a lawsuit against a consumer, so the agency cannot garnish your wages, minus the exceptions listed above. If Jefferson Capital Systems has threatened to garnish your wages, contact our office right away.
Jefferson Capital Systems Settlement
If you want to settle a debt with Jefferson Capital Systems, ask yourself these questions first:
- Do I really owe this debt?
- Is this debt within the statute of limitations?
- Is this debt on my credit report?
- If I pay this debt, will Jefferson Capital Systems remove it from my credit report?
- If I pay this debt, will the original creditor remove it from my credit report?
- If I pay this debt, will I receive confirmation in writing from Jefferson Capital Systems for the payment and settlement terms?
These are not the only things to consider when dealing with debt collectors. We are here to help you answer the questions above, and much more. Whether it’s harassment, settlement, pay-for-delete, or any other legal issue with Jefferson Capital Systems, we at Mike Agruss Law are here to help you.
Share your Complaints against Jefferson Capital Systems Below
We encourage you to post your complaints about Jefferson Capital Systems. Sharing your complaints against this agency can help other consumers understand what to do when this company starts calling. Sharing your experience may help someone else!
HERE’S THE DEAL!
If you are being harassed by Jefferson Capital Systems over a debt, you may be entitled to money damages – up to $1,000 for harassment, and $500 – $1,500 for illegal robocalls. Under state and federal laws, we will help you based on a fee-shift provision and/or contingency fee, which means the debt-collector pays your attorneys’ fees and costs. You won’t owe us a dime for our services. We have settled thousands of debt collection harassment cases, and we’re prepared to help you, too. Contact Mike Agruss Law at 888-572-0176 to stop the harassment once and for all.
