Jefferson Capital Systems, LLC is a subsidiary of CL Holdings, and is located in St. Cloud, Minnesota. The company is a debt buyer and has been certified with DBA International since 2014. Debt buyers purchase charged-off debt for pennies on the dollar and make money by collecting as much of it as possible.
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Jefferson Capital Systems is a legitimate debt collection agency with a well documented history of aggressively harassing consumers over debts. They purchase debt immediately after it is charged off, or at any point in the recovery process. They will also purchase bankruptcy debt and even monitor their clients’ accounts for new bankruptcy filings, dismissals, and discharges.
If you’ve suffered from Jefferson Capital debt harassment, you do have options. Under the law you can recover up to $1,000 for violations of the FDCPA, and $500 to $1,500 for each cell phone robocall.
As of March 2017, the Better Business Bureau reported 740 closed Jefferson Capital Systems complaints within the previous three years, including 269 closed JCS complaints within the previous 12 months. The BBB gives Jefferson Capital Systems a B rating. In addition, Justia lists 33 Jefferson Capital Systems complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act. Furthermore, the Consumer Financial Protection Bureau (CFPB) lists 260 closed complaints for 2016.
Jefferson Capital Systems
16 McLeland Road
St. Cloud, MN 56303
Phone Number: 800-281-2793
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely Jefferson Capital would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Absolutely. Here are some Sample Cases Filed in Federal Court
In 2017, a magistrate judge in U.S. District Court, Southern District of Indiana, recommended that the court deny Jefferson Capital Systems’ motion to dismiss Pittman v. Jefferson Capital Systems for alleged violations of the Fair Debt Collection Practices Act. According to the judge’s recommendation, the consumer filed a putative class action over the use of a debt collection letter sent about a debt that was past the statute of limitations. The language of the letter acknowledged that the consumer would not be sued, and that making a payment would restart the clock and reset the statute of limitations. The consumer asserted that the letter falsely implied paying the debt would improve her financial situation and that the debt collection agency’s decision not to sue was a matter of choice rather than law. Jefferson Capital Systems argued that the letter used language outlined in a consent degree that was approved by a judge, but the consumer said that the language did not mirror that language, and even if it did, it would not be binding. The judge recommended that the court deny Jefferson Capital Systems’ motion to dismiss the lawsuit.
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency.
Consumers have reported this agency harassing them from the following numbers:
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are recieving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
We can make them STOP!✋
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call ? 844-685-9200 NOW.
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“My attorney was able to reach a settlement and dismissal for me today in this case. This settlement was at my request, and I am very pleased that she was able to help me in resolving this issue. She has been great to work with, very professional at all times, and has the ability to present options in a straightforward manner that I could understand. Words cannot express how much I appreciate the help I received from her in this confusing and frustrating case.”
Chances are, we can. Call us to find out how we can help.
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