Jefferson Capital Collections is in my credit report. What to do?

Hi wah_on

It is nice to hear from you once again. Going through your post, I feel like asking you to make sure if you still have this debt on with Jefferson Capital. If that being so, then you can think about consolidating it by making less monthly payments with lower interest rates according to this program. That will be easier for you as it won't put much strain in your daily life. May I ask you the amount of your debt, so that you can choose the best program suitable to your needs and requisites?

Keep in touch
Roxette

I dont need to consolodate it. I can pay it. I just need to get a hold of them to do so. The number is disconnected.

Hi wah_on

I think this is the address you are looking for

Incorrect information deleted.

Try these numbers. Hope it will help you

Roxette


Here's a better number. If it doesn't work, message me and I'll research it.

800.928.6614

- Uncle Wulf

[quote=roxette]Hi wah_on

It is nice to hear from you once again. Going through your post, I feel like asking you to make sure if you still have this debt on with Jefferson Capital. If that being so, then you can think about consolidating it by making less monthly payments with lower interest rates according to this program. That will be easier for you as it won't put much strain in your daily life. May I ask you the amount of your debt, so that you can choose the best program suitable to your needs and requisites?

Keep in touch
Roxette[/quote]

[quote=wah_on]I recently received my credit report to find i owe money to Jefferson Capital. I called the number on the report but it said it had been disconnected. The account is still open. How do i pay me debt if i cant talk to them?[/quote]

I cant find a number to these people. Give it to me and I can research it.

Hi Guest

Please try at the following address and the telephone number.

PERSONNEL OFFICE
Location
Building 755
MWR Admin Building

Phone Numbers
Local - 2673 or 2681
From the States
(011) 354-425-2673

Hours of Operation
Monday - Friday
9AM to 4PM

Personnel Representative
MAGNEA GUDLAUGSDOTTIR

Please let us know if this information has been helpful to you.

Regards
Roxette

Hi wah_on
Good to have you with us in the forums

Since you are aware from your credit report,that you owe money to Jefferson Capital,you should search the company website to find out their address and contact number other than you know.

So please go ahead and contact them. Otherwise your account may be a late payment one or it may be charged off which can lower your credit score.


Hope this information will help you
Peter

I just found out that my account was sold to htis company. How all this works??? Does this means that I have to pay higher interests???

Hi Guest,

Welcome to the forums. Your post says that your account is sold to Jefferson Capital, a collection agency. I will explain you here, how this process works.

The amount with your creditors is recorded as account receivable in the books of their company and is counted as an asset. When a credit card company is unable to collect the debt from you and thus stops all the collection efforts, it charges off the debt. Hence, it further allocated the debt to some collection agency that either works to collect the debt on behalf of the creditors or purchases the debt.

Now the collection agency after purchasing the debt, tries to recover the debt from the debtor. He will be calling the debtor asking for money and the original creditor will have no relation to this debt when it is sold to the collection agency. If the collection agency is working for the creditors, then they get a proportion of the debt as their share of profit.

You are required to pay this debt as it will be evaluated to judge your credit worthiness.

Your credit report will show the status of the original creditor as charged off. Also, subsequent collection accounts for the debt will be added to your credit history.

Since you have defaulted in your payments at regular intervals, your account will be added with financial charges and late fees which will increase the total amount of your debt.

The account in collections will remain in your credit file for 7 years from the date of original delinquency of the account. You are required to pay this debt in order to obtain new credit.

Regards
Roxette

In Jan. of 2004 I paid Jefferson capital collections in full for a debt I had with them and now I need the proof. But getting in touch with them is impossible so far HELP

Hi hanshda

Welcome to the forums.

Have you contacted Jefferson Capital at the numbers listed at the top of this page?

It will be helpful to you if you contact at the customer care cell of Jefferson Capital and seek information about your accounts.

Also, you can pull your latest credit report from the three bureaus and see the status of the said account. Hopefully, your creditors might have updated your accounts.

Regards
Roxette

Each state has a statute of limitations for collecting credit card debt (in NC, for example, there is a 3 year statute of limitations...it starts from the date of the first missed payment and ends 3 years later). Even if you actually owed the money, if the statute of limitations has run out, no one can collect the money. If a collection agency tries to collect the debt after the statute of limitations has run out, all one has to do is inform them of this fact. If they continue to call/write about it, you can report them to http://www.ftc.gov as well as your state's Attorney General's Office. If you make a payment of even one penny, the statute of limitations "clock" starts ticking all over again. I know because I have checked with the FTC.

While cleaning up credit report. Saw a balance still due on a creditor. Checked my records and saw that acct paid in full thru Jeff Cap. If they don't answer phones how will my dispute thru Experian ever get answered or resolved? Thanks

smokiemountains

Experian and the other two credit bureaus are responsible to present the actual picture of the consumers' credit in the file. This is according to the federal laws mentioned in the FCRA. If they don't correct the information with the companies after your dispute is found to be correct, you have a legal case against the bureau reporting incorrect credit history. Mark the item in error and dispute it in writing with the bureaus. They will have to fix up the errors and give you an updated copy. Send your letter through certified mail.

I never had account with fungerhut who reported me to Jefferson Capital.I called them about this before. They took off my experian report, but it is still on my equifax report. I called the same number I did the last time, now no one knows nothing.All I'm getting is that must be the old fingerhut and I don't have the number. This is a mess. I never had anything from them in the first place.The month and year they gave me and the address they gave me.I was living with my mom at the time and our house burnt down, so why would I need a stereo, when I had no place to put it.I was living with a neighbor who had a stereo.Even if I didn't burn down I already had a new stereo I bought from Wal-Mart what would I do with two.I just need the taken care of so this can get off all my credit reports. I think they don't want to be contacted if you ask me.I already called like 4 different numbers no help at all.

Why is there so many rip-offs reports with you guys on line? And why is your reputation damaged on line by the bbb?

I don't know what's up with Jefferson Capital. Their are too many negative feedbacks about the company. But I guess, this is a common trend among all collection agencies. There are hardly a few that does follow the fdcpa.

i would pay this bill in full. how do i get in touch with this company

Satute of Limitations - the period of time when the debt enforced through the courts. This varies between 3 and 6 years depending on the state. Once this date is passed the debt is still due but the debtee can't use the courts to collect it. Basically they can ask but they can't use the courts to collect anything. They are essentially without teeth.

Most companies understand this and the debt is written off if the sol is passed. Jefferson generally only buys debts that are past the statute of limitation. They try to convince people who may be the debtor to reaffirm the debt to start the sol clock over. They are legally not allowed to reset the date themselves or to threaten legal action. Jefferson does both.

The key is, no matter how tempting, do not pay them money or sign anything they send you. Dispute the debt with them and with the credit bureaus. Send them a cease and desist letter on phone contact. They are completely geared to trying to convince people that legally uncollectable debts are collectible.

Don't feel sorry for Jefferson, that thousand dollar debt may have cost them ten bucks. If you want to assuage your conscience give the money you owe to a reputable charity, then it will actually do some good.

i just found this # for them see if this works 800-281-2793

jefferson capital is 866-608-5896

We are a Private Equity firm in Richmond, VA. We do not have anything to do with debt collections. Please do not call 804-643-0100

the address is
P.O. Box 23063
Columbus GA 31092-3063
ph. 1-800-542-6516

my credit report shows this info for Jerferson Capital:
16 MCLELAND RD
SAINT CLOUD, MN 56303
(866) 417-2561
I just used this number to call them about 2weeks ago and got thru : )
Goodluck!

jefferson capital yuck, they are so unprofessional it makes me sick!!!!!!!!!!

They bought a debt of mine from a creditor which is already 7 years old and on my credit report under this Jefferson Capital debt it states that this account was opened on 03/19/2009! This debt is already ancient! Good luck collecting this one JC!

Send them a Debt Validation letter (see above in the "Do-It-Yourself" section for more info).

I had a $26 debt that I paid 2 years ago and can not get a number to call them. I have a confirmation number and check number, but need to speak to a person to get this handled.

PO Box 23051 Columbus, GA 31902-3051
1-800-874-4599
320-229-8517
866-608-5896
866-417-2591
Fax: 320-229-8582

"http://www.budhibbs.com/collectorpages/jefferson_capital.htm"

A Google search will show you many references to them, including their web site, and also this wonderful lawsuit filed against them by the FTC.

Do not call them. Write them a letter Certified Mail, Return Receipt Requested. Send them the copy and tell them to Cease & Desist contacting you ever again or you shall be forced to take legal action against them. Check your credit reports (www.annualcreditreport.com for all 3) and if they are updated on there (it SHOULD show the account as being Paid Colelctions and the date you paid), send a copy of that payment to the credit reporting agency requesting them to update the report immediately to reflect the correct information..

I have tried and tried to phone you regarding my bill if you could ring me on deleted thanks

we are not this creditor.you will have to contact them yourself.please do not give personal info on a public site.

Roxette...your information is incorrect..the Jefferson Capital you list is a private equity firm in Richmond Virginia...it has nothing to do with credit or collections...the firm you need to refer people to is Jefferson capital systems...it's number is 800-928-6614...you have done my firm (Jefferson Capital Partners ) a real disservice as now all of these poor people looking to contact the collection agency contact us instead...pls. retract your post..regards.


Sorry about the mixup. I have removed your information from the post at the top of the page. If you find your information in another post on our site, please don't hesitate to message me, report the problem to another moderator, or contact site admin. - Uncle Wulf

Jefferson Capital Systems, LLC

800.928.6614

I just called this number to verify it.

I have just been informed by My Mom that a Collector from "Jefferson Capital" has been contacting her advising her to confirm her Last 4 of her Social Security to verify they have the correct person. My Mom refused to confirm her SS#...Jefferson Capital asked if they were speaking with (Me) because they allegedly have been trying to contact me ( I have not been contacted phone# no listed) they allegedly then asked my Mom for my phone number. My Mom refused! I have as of yet called Jefferson Capitial to inquire what this is regarding. However, have noticed a "Pending Lawsuit" of Jefferson Capital .....I went to the link and noticed it is for "Aspire Credit Card" I did have this Card and experienced the same practices as stated in this "Lawsuit" Now they are calling relatives and this debt is already on my Credit Report. What do I do? Can I be included on this Lawsuit?

Quote:

call 1866-417-2561

Am trying to pay a debt in full, but some of the numbers I've received have been disocnnected. The only number that works is telling my I need to provide an invitation number and since I don't have one i can't get through. This is very frustrating.

just found a new phone number of 800-281-2793