Jefferson Capital Systems - legal or scam?

I have not heard of any programs like this, be very careful who you give your money to, not all companies have good intentions, you will find that some get into this industry and prey on those with bad credit. Have you checked them out with the better business bureau, you can google the bbb and search for the company on there, you can then access what other customers have to say about them. goodluck hope all gets straight for you soon.

Run for your life!

This is a scam. Five bucks says the original debt is outside the statute of limitations, or damn close. By taking that offer, you re-start the SoL, in addition to paying more fees, more interest, etc.... And make no mistake, if you default on this, you will be sued.

Watch the documentary 'Maxed Out'. There is some good information in there about this type of thing.

it's ligit..i don't know if you looked yet but it is in the bbb.com site...

A little late with that Katlin. This thread is from March.

I agree with Wulf. Jefferson Capital System might be a legal company listed with the BBB but that doesn't mean they aren't trying to bone you. That is a collection tactic they are trying to use on you.

but DO NOT BELIEVE ANYTHING THE LETTER SAYS. i thought it was great when i got the letter, but here i am at almost 1am freaking out because they were supposed to take 28 dollars out of my account and they took $125 in 5 back to back debits of $25. which in end overdrew my account. now they've given me quite a large headache.

Katlin,the BBB just lists the company,says it's not certified,which means....WATCH OUT!
I got one of those letters too and they keep calling me to make sure I get my money in on time.
But after reading their reports...I'm trashing the letter!!

Look out folks....Jefferson Capital Systems is a collecting agency, owned by another company called CompuCredit. I contact the offices in St. Cloud MN (area code 320) on 04/02/2010 and spoke with a representative that stated they had my old Aspire Visa card account, and had contracted to a company called Riddle & Wood Attys in Doral Florida. So now I have two companies trying to collect on the same account. All I can say is do you research, and contact Jefferson Capital Systems directly in MN and start asking them questions. YOU are the consumer, THEY want your money, and THEY cant get your money unless YOU cooperate. It took me all morning to find out the truth about my account that had been placed in collection with these scumbags, but it has paid off, and now they are cooperating before I prosecute them in a court of law in Virginia. Beware! If you have any questions about Jefferson Capital Systems, I would send them a CERTIFIED letter via the USPS, and ask them to validate your debt with them within 30 days! Take it from a Marine folks, you have to play hardball and nasty with these people, because all they want is your money, and these people are also not REAL attorneys, they are just poor lowly people with no self-esteem that can't hold a job anywhere else. Like I said, scumbags! Happy Easter! JB :-)

I have been playing hard ball with these jerks, they are trying to make me pay for a old phone bill though i have paid off most of it they are still saying i owe allot and i am half tempted to call AT&T west and find out what the deal is. Because i know i am getting screwed some where.

Long story short - my story is linked to Tribute credit card...aka Aspire. When they took my credit away for no apparent reason I decided I would not pay them...for no apparent reason.

Seriously...I almost always paid hundreds on my bill monthly, usually paying off a charge the same day I made it, and rarely paid the minimum. Further, I was late only twice and only by a couple of days due to pure oversight.

They put me through hell with their devious phone calls, utilizing several different phone numbers...to which I simply added to my contact list as "Idiots 1", "Idiots 2", etc. and gave them a silent ring tone. Nothing seemed to work with them. I messed with their heads as much as they messed with mine but finally, after about a year, the phone calls stopped.

However, recently, I got the same offer from Jefferson Capital Systems, LLC, aka The Fresh Start Solution that is the focus of this thread.

I checked them out online to see what others were saying and when I read this forum I thought it was time to check with the BBB and check their latest report on JCS.

"REVOKED"...stamped across their company emblem like a canceled check. I got a good chuckle out of that.

While I do not deny I owe Tribute their money...I told them simply that they were no longer on the top of my priority list and I would pay them when I get a settlement offer.

snafudawn...

these creaps are knocking at my door....I'm not going to answer so they can try to serve me...hahahahaha

Quote:

yeah they are trying to hit me with someone who has the same name as myself for a debt that NO ONE seems to know anything about??????????????????????????????? I have my lawyer looking into it and YES THEY ARE A SCAM!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! WE ARE GOING TOP PROSECUTE THEM!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! who the hell do they think they are????? good luck everyone they are going DOWN.................................................................

I just received a letter a few days ago also related to Tribute card. I also owe a debt to Tribute, however I had already contacted the company regarding my debt and that I am not able to pay it all at this time. Do I need to worry about this letter from Jefferson Capitol? Should I do as suggested and contact them in writing about already being in contact with the original company?

If Tribute has sold off your account to Jefferson Capitol, then you will have to deal with them. You ask Jefferson to validate the debt. If they validate the debt, then you can negotiate with them for a payment plan in order to pay off the dues. However, you can even contact the original creditor and request them to withdraw the account from collections so that you can directly negotiate with the creditor and pay them off.

Well i can say this for a fact i got the same letter that you said you got and i got it and I've had the Card for about 2yrs now So it's not a scam!!;)

Hi! my debt is six or seven years old and it was with FIRST USA and i got a collection notice from two collection agencies . one in 2009 and one in 2010. the first one says on behalf of jefferson capital systems then original creditor FIRST USA. but the collection agency is NARS. I would like to try and pay it but to who? and i dont trust the name jefferson capital systems being on the slip.