Illegal calls from Jefferson Capital Systems?

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Illegal calls from Jefferson Capital Systems?

Is Jefferson Capital Systems harassing you? If you are currently on the receiving end of a string of harassing calls from Jefferson Capital Systems, then you may already know how the story goes. A constant stream of letters in the mail, frequent and seemingly endless calls made to your residence or place of employment by them – being in debt can negatively affect every area of your life.

That harsh reality coupled with the fact that Third-party debt collectors are famed for the extreme and unethical methods that they employ in a bid to squeeze payments out of customers whose accounts have gone into default can be extremely stressful and frustrating. Worse still, you may simply be unable to keep up with these payments, as you may be facing extreme financial difficulty. Debt collectors do not know this, and most times they simply do not care; all they are interested in is getting you to resolve your debts. This is why they may begin to harass you by calling too often, leaving threatening messages on your voicemail, and telling unauthorized people about your debt.

The FDCPA (Fair Debt Collection Practices Act) says that all debt collectors, including Jefferson capital System, must conduct themselves in a manner that is respectful to the rights of their customers. This does not mean that they do not have a right to call you over your unpaid debts, it only states what they can and cannot do when they contact you about a delinquent debt. It also goes on to state that under the FDCPA, you may be awarded rewards set at $1000 for statutory damages caused by the violation of your debt collection rights, Call us now at 877-700-5790 for more information.

What counts as Jefferson Capital Systems Debt Collection Harassment? 

Debt collection harassment refers to any debt collection method that brings discomfort and fear to you. Any debt collection method that leaves you feeling scared and threatened is a form of debt collection harassment.

Nobody likes to be harassed, and nobody deserves to be harassed, not even a debtor. Debt Collection harassment includes repetitious visits, phone calls, letters, emails, or texts from a creditor to a debtor with the aim of annoying and abusing the debtor to the point where they are faced with no choice but to pay their debts.  JCS’ phone harassment can sometimes amount to threats and the use of obscene and unprofessional language.

The Fair Debt Collection Practices Act is a federal law that protects debtors from debt collection harassment. The FDCPA covers all debts, except Business debts. Two major rights that a debtor should ordinarily enjoy are:

  • No misrepresentation of debts
  • No harassment by debt collectors

Now, what really counts as harassment?

  • Physical threats. If a debt collector from Jefferson capital systems LLC is threatening to bring physical violence to you, they are violating your rights.
  • Unreasonable calls at unreasonable hours. The FDCPA prohibits debt collectors from calling at odd hours. Representatives of Jefferson capital systems should not call you outside of the hours of 8 am to 9 pm.
  • Public embarrassment.
  • Putting pressure on the debtor to sell items without a court order
  • Involving unnecessary third parties, etc.

And what will not count as harassment?

  • Court action
  • Sending constructive and helpful reminders
  • Reasonable calls at reasonable hours, etc.

Here is some advice on what to do if you’re being harassed by Jefferson capital systems LLC:

  • Document harassment media, either phone calls, notes, texts, videos, etc.
  • Demand an audience with the creditor and sort things out. Talk reasonable and come to an agreement.
  • Direct the case to a professional body that will take the matter up. You can contact us.

How can filing for Bankruptcy help your debt case with JCS?

When you are in debt, you do not have to despair because there are many options available to you, one of such options is filing for bankruptcy. Perhaps the paramount benefit of filing for bankruptcy whenever you are facing insurmountable debt is the protection you receive from the bankruptcy court. Filing for bankruptcy immediately sets an automatic stay in motion. What this means is that the collection efforts from direct lenders, debt collection agencies, and any lawsuits that may have been filed against you in court are immediately halted under the stay. Even though a few exceptions exist, an automatic stay generally halts collection efforts on all your personal debts.

Getting your declaration of bankruptcy to kick into action may take a little time, but as soon as the process has been initiated, third-party collectors, original creditors, and bill collectors must discontinue any efforts to seek payment for outstanding debts you may owe. As soon as you declare that you are unable to meet up with your financial obligations by filing for bankruptcy, the law will protect you and stop all the harassment from debt collectors that you may currently be receiving.

Some of the other benefits of filing for bankruptcy include: 

Filing for bankruptcy can stop foreclosure: If you are unable to meet up with your mortgage payments, you may be facing the distressing prospects of foreclosure. One great thing about filing for bankruptcy as soon as possible is that it may enable you to keep your home.

Filing for bankruptcy may help you keep your car: If your bankruptcy petition kicks in before your vehicle is repossessed, it may be able to help you save your car from being repossessed due to your inability to meet up with your auto loan payments.

Filing for bankruptcy helps prevent your wages from being garnished: Wage garnishments is one outcome you should strive as hard as you can to avoid. Bankruptcy can help put a stop to this process.

Filing for bankruptcy stops debt collector harassment: Once they have been notified about your bankruptcy petition, all debt collectors are expected to immediately cease collection efforts from you.

Who is Jefferson Capital Systems?

Jefferson Capital Systems or JCS is a third-party debt collector located in St. Cloud, Minnesota.

Contact Information

Address: 16 McLeland Rd

Saint Cloud, MN 56303-2198

Phone: (800) 281-2793

Is Jefferson Capital Systems a Scam?

According to the Better Business Bureau website, Jefferson Capital Systems has been in business for 19 years. There have been 1312 complaints filed against JCS with the BBB. Read more about it here: Jefferson Capital Systems Better Business Bureau

Jefferson Capital Systems Phone Numbers

Are you receiving any harassing phone calls from any of the following numbers?

800-542-6516, 800-928-6614, 866-805-9214, 877-262-0002, 800-348-3381, 320-300-4492, 800-874-4599, 800-268-0623, 800-281-2793, 800-541-0824, 866-677-2706, (800) 542-6516, (800) 928-6614, (866) 805-9214, (877) 262-0002, (800) 348-3381, (320) 300-4492, (800) 874-4599, (800) 268-0623, (800) 281-2793, (800) 541-0824, (866) 677-2706, 8005426516, 8009286614, 8668059214, 8772620002, 8003483381, 3203004492, 8008744599, 8002680623, 8002812793, 8005410824, 8666772706, 866-432-1680, 844-362-9238,  800-928-6614,

If the answer is yes, then you are receiving calls from a known JCS number. You may be a victim of Jefferson Capital Systems phone harassment.  If you are receiving any form of harassment during these calls, do not hesitate to reach out to a qualified professional at 877-700-5790 for help. If you are receiving calls from a different number claiming to be from Jefferson Capital Systems, be careful in your communications and do not reveal too much to avoid falling victim to a Jefferson capital systems scam. The call may be from a fraudulent person claiming to be Jefferson Capital Systems.

The following is a sample list of complaints filed against Jefferson Capital Systems in the past year and can be found on Pacer.org.

3:18-cv-02186-RDM O’Boyle v. Jefferson Capital Systems et al

5:14-cv-00145-SL Taylor v. Jefferson Capital Systems

2:18-cv-01672-APG-GWF Reyes v. Jefferson Capital Systems et al


2:11-cv-00548-WBS-GGH Broussard-Smith v Jefferson Capital Systems

About Us

Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors. If you suspect that your debt collection rights are being trampled upon, contact our office to begin the process to stop the harassment you may currently be receiving from Jefferson Capital Systems. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.

Call us at (877)700-5790 for immediate assistance.

Check out the links below for more information:


Minnesota Attorney General

Consumer Finance


Jefferson Capital Systems
Attorney Derek DePetrillo

Attorney Derek DePetrillo graduated from the Massachusetts School of Law in 2007 and was admitted to practice law in the State of Massachusetts in 2007. Mr. DePetrillo is also licensed in many federal jurisdictions across the United States.

Mr. DePetrillo has been assisting consumers with consumer protection since 2010. Mr. DePetrillo’s main area of practice is under the Fair Debt Collection Practices Act, the Telephone Consumer Protection Act, and the Fair Credit Reporting Act. Mr. DePetrillo has filed countless lawsuits and arbitration claims against debt collectors and banks. Mr. DePetrillo fights for the little people who have had their rights violated and need a helping hand to guide them through the stressful times of debt collection.