Jefferson Capital Systems


Is Jefferson Capital Systems hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

Who is Jefferson Capital Systems?

Jefferson Capital Systems, LLC is a debt collection agency located in Saint Cloud, Minnesota. They work with creditors to recover funds from unpaid accounts.

If you see Jefferson Capital Systems listed on your credit report as a collections account, it typically indicates that they have bought a debt in your name from an original creditor.

Who does Jefferson Capital Systems collect for?

Jefferson Capital Systems is a debt buyer who collects for various types of companies, including Fortune 500 creditors, banks, credit card issuers, telecommunication and utility providers, and some of the nation’s largest auto finance companies.

Is Jefferson Capital Systems on my credit report?

They may appear on your credit report as any of the following entries:

  • jeff cap systems
  • jeffcapsys
  • jefferson capital llc
  • jefferson capital sy
  • jefferson capital syst
  • jefferson capital systems verizon
  • jefferson collection

Is Jefferson Capital Systems legit or a scam?

Jefferson Capital Systems is a legitimate debt collection company. They’ve been in business since 2002, and they are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove Jefferson Capital Systems from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

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They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

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Jefferson Capital Systems, LLC Contact Information

Mailing address:

Jefferson Capital Systems, LLC
16 McLeland Road
St. Cloud, MN 56303

Phone number: (833) 851-5552

Should I contact or pay Jefferson Capital Systems?

Before contacting a debt collector, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with Jefferson Capital Systems is to work with a credit repair professional. They help remove millions of negative items every year from companies like Jefferson Capital Systems on behalf of their clients.

Will Jefferson Capital Systems sue me or garnish my wages?

Jefferson Capital Systems, LLC has the legal right to sue you for the unpaid debt. If they choose to pursue a lawsuit and win, they may obtain a court judgment against you. This judgment could potentially allow them to garnish your wages or take other actions to collect the debt, depending on the laws in your state.

However, federal and state laws limit the amount that can be garnished from your income, and some types of income may be exempt entirely.

Jefferson Capital Systems, LLC Complaints

Most debt collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Jefferson Capital Systems, LLC

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • It is a violation of federal law for Jefferson Capital Systems to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
  • Jefferson Capital Systems cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Jefferson Capital Systems must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • Jefferson Capital Systems cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove I remove Jefferson Capital Systems From Your Credit Report Today!

Credit Saint can help you dispute Jefferson Capital Systems accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

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