Jefferson Capital Systems LLC

Get Your Free Case Evaluation

Problem you are having


Your contact information

Once you submit this form a representative from the consumer law firm of Francis & Mailman will be in touch.
Or Call 1-877-735-8600 and get immediate help to see if you have a case.






What is Jefferson Capital Systems?

Jefferson Capital Systems is a debt collection company based in Saint Cloud, Minnesota. Founded in 1999, Jefferson Capital buys debt accounts from original creditors and then collects payments from the account’s original debtor. Jefferson Capital Systems may appear as “jeffcapsys” or “jeffersncp” on your credit report if has acquired your account.

Is Jefferson Capital Systems a scam?

Scammers commonly use debt collection as a guise to steal money from innocent consumers. The major red flags of a fake debt collector include:

  • Seeking payment on an unfamiliar debt
  • Using intimidation tactics to scare you into making an immediate payment
  • Refusing to provide contact information, like a phone number or mailing address
  • Asking for your sensitive information that pertain to your financial or personal accounts

While there are many debt collection scams out there, Jefferson Capital is a legitimate debt collection company. However, debt collectors have been known to use shady collection tactics that scammers also use. If the Jefferson Capital collection tactics are unfair, intimidating or unethical, you have the right to sue for violation of your fair debt collection rights.

You’re Protected Against Jefferson Capital Systems Debt Collection Harassment

The Fair Debt Collection Practices Act (FDCPA) protects consumers from unethical and abusive collection tactics from debt collectors. Your fair debt collection rights include:

  • Debt collection companies are not allowed to call the consumer if it is known that there is an attorney representing the consumer on the matter of the debt.
  • A consumer can request validation on the declared debt from the collector. During the validation period (usually 30 days), the collector cannot contact the consumer.
  • Debt collectors are limited in how they can contact consumers. They cannot call before 8 a.m. or after 9 p.m., nor can they call continuously with the intent to annoy or harass the consumer into making payments.
  • Debt collectors also cannot contact a consumer at work if the collector knows that the employer does not allow such calls.
  • Collection agencies cannot use abusive tactics such as profane language or threatening arrest or legal action with no intent to follow through.

The Jefferson Capital Systems BBB page is full of complaints from consumers who have felt violated by Jefferson debt collectors. If your rights have been violated, you have the right to sue.

In addition to the contact restrictions within the FDCPA, Jefferson Capital Systems cannot call you using an auto-dialer or pre-recorded message. The Telephone Consumer Protection Act (TCPA) strictly states that companies cannot call or text your cell phone without prior written consent. Furthermore, collection agencies and creditors can only call or text your mobile phone if they have manually dialed the number or written the message. If Jefferson Capital Systems violated your TCPA rights, contact us now. A single Jefferson TCPA settlement could cost anywhere from $500-$1500 per violation.

Is Jefferson Capital Systems Suing You?

If you received notice that Jefferson Capital Systems is suing you, make sure that this action follows the law. According to the FDCPA, debt collectors cannot threaten to sue or garnish wages with no intent to follow through.

How File A Jefferson Capital Systems Lawsuit

Debt collectors have taken advantage of innocent consumers for too long. Don’t let your Jefferson Capital Systems complaints go unheard. Get free legal help from the consumer protection attorneys at Francis & Mailman today. Call us at 1-877-735-8600 now to learn how to file a Jefferson Capital Systems lawsuit.

Contact Information for Jefferson Capital Systems – Phone Number and Address

Address 16 McLeland Drive
City St. Cloud
State Minnesota
Zip Code 56303
Phone 1-833-851-5552
Website www.myjcap.com

Ratings for CreditReportProblems.com

PROTECTING CONSUMERS' RIGHTS NATIONWIDE

7,500+

CLIENTS HELPED

$300 MILLION+

IN SETTLEMENTS AND VERDICTS

20+ YEARS

PROTECTING CONSUMERS

Francis & Mailman featured on Today, PBS News Hour, Super Lawyers, and Philadelphia Inquirer