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Updated on Author: Contributing Author: Sergei Lemberg

Are You Being Called By Jefferson Capital Systems, LLC?*

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Are You Being Called By Jefferson Capital Systems, LLC?* Here’s What You Need to Know

Debt can overwhelm anyone. One major financial setback such as job loss or divorce can make it impossible to pay your credit cards, mortgage, and medical debt. Eventually your creditors may assign the accounts to debt collectors, who can chase you for payment in ways that are borderline abusive. If this happens, be aware that such conduct violates your rights.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act (FDCPA) was passed in 1977 to protect consumers from predatory third-party debt collectors. It penalizes collection agencies that use action like the following to settle a debt.

  • Using profane or obscene language
  • Calling before 8:00 a.m. and after 9:00 p.m. in your time zone
  • Contacting you after you have formally requested that all communications cease
  • Contacting you after you have sent a cease and desist letter
  • Calling you at work when they know that your employer prohibits such calls
  • Refusing to provide proof that you owe a debt and they are authorized to collect it

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Company Profile: Jefferson Capital Systems, LLC

If you are being called by Jefferson Capital Systems, LLC, information about the company is below.

Jefferson Capital Systems, LLC is a debt collection agency located in St. Cloud, Minnesota. It was established in 1999, has less than 10 employees, and is managed by President, David M. Burton. According to court files retained by the PACER (Public Access to Court Electronic Records) website, several consumers who believed they were being harassed by Jefferson Capital Systems, LLC went to court to fight for their rights.

Are You Being Called By Jefferson Capital Systems, LLC?

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Alleged Violations against Jefferson Capital Systems, LLC

Michael Collea vs. Jefferson Capital Systems, LLC et al**

According to PACER, in April 2014 Jefferson Capital Systems, LLC started trying to collect a 2008 credit card debt from Tennessee resident Michael Collea. When Mr. Collea received a court summons and inquired about this time-barred debt, he was allegedly given two different amounts: one was $750.18 while the collection lawsuit itself demanded $165.50 less. The lawsuit was subsequently dismissed.

Feeling harassed by Jefferson Capital Systems, LLC, Mr. Collea hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:

  • Using false, deceptive, and misleading means to collect a debt
  • Misrepresenting the character, amount, or legal status of the debt

The matter was later settled.

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Hire an Attorney

The phone number for this collection agency is 1-800-281-2793. If it appears on your caller ID, it means that you are being called by Jefferson Capital Systems, LLC. If they sue you to recover a debt that is time-barred by statute, hire a consumer attorney. If you decide to file a claim against Jefferson Capital Systems, LLC, you could potentially be awarded $1,000 per FDCPA violation in addition to applicable damages and costs. When it comes to consumer rights, collection agencies must obey the law or face consequences.

**Case taken from PACER ( File number is Case 2:15-cv-00073-JRG-MCLC from the United States District Court for the Eastern District of Tennessee at Greeneville.

*Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Jefferson Capital Systems, LLC, or any other third-party collection agency, you may not be entitled to any compensation.

About the author:

Contributing Author: Sergei Lemberg

Sergei Lemberg is a consumer rights attorney, practicing since 2006, whose practice focuses on consumer law, class actions and personal injury litigation. He is known for a United States Supreme Court case (Facebook v. Duguid) defending consumers from autodialers under the Telephone Consumer Protection Act of 1991 to send unsolicited text messages. He is also the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.

See more posts from Contributing Author: Sergei Lemberg
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