Jefferson Capital Systems

About Jefferson Capital Systems LLC

According to its website, “Jefferson Capital Systems, LLC is an established Debt Buyer and Debt Collector.”

Jefferson Capital regularly files credit card lawsuits on credit card debts they have purchased.  They will then attempt to obtain a judgment and pursue post-judgment collection efforts.

Is Jefferson Capital Systems a Scam?

Jefferson Capital Systems is not a Scam.  It is a legitimate debt buying and collection company, so it is important to take collection action by them seriously.  However, even though it is not a scam company, it is important to ensure that there is evidence and documentation to support the balance Jefferson Capital Systems claims is owed, to ensure that Jefferson Capital Systems owns the account in question, and to ensure Jefferson Capital Systems has followed state and federal law when attempting to collect a debt.

What Should I Do If Jefferson Capital Systems Sues Me?

  • It is important to ensure that an answer to the lawsuit is timely filed after you are served with the lawsuit. DO NOT IGNORE A LAWSUIT!
  • Ensure Jefferson Capital Systems has proof of the claimed debt amount and ensure the amount is accurate (confirm all payments and offsets have been applied)
  • Ensure Jefferson Capital Systems has sufficient evidence to prove ownership of the debt
  • Ensure suit was filed within the statute of limitations
  • Assert all other possible affirmative defenses
  • Review all collection activity by Jefferson Capital Systems to ensure there are no potential counterclaims for violation of the Fair Debt Collection Practices Act or Texas Debt Collection Act
  • Determine whether to fight the case or pursue a settlement resolution

You may want to seek the advice of a knowledgeable consumer defense attorney to ensure your rights are protected and ensure you do not end up with an adverse outcome that could have been avoided or minimized.  Contact us for a free consultation.

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