If you’ve been contacted or sued by Jefferson Capital Systems, LLC, you’re not alone. This debt buyer purchases old debts from creditors and aggressively pursues consumers for payment. Many of these cases involve errors, inflated balances, or even lawsuits without proper legal notice.
At The Fullman Firm, we fight debt collection lawsuits every day and have helped tens of thousands of individuals and businesses fight back, reduce, or eliminate their debts. If you’re facing legal action from Jefferson Capital Systems, you have rights, and we’re here to help you use them.
Who Is Jefferson Capital Systems, LLC?
Jefferson Capital Systems is a third-party debt collector that purchases old debts. Their business model involves buying these accounts for pennies on the dollar and then pursuing full payment from consumers, often adding interest and fees that were not part of the original agreement.
Common Complaints About Jefferson Capital Systems
Consumers frequently report concerns about Jefferson Capital’s collection methods, including:
- Filing lawsuits without proper legal service – Many people don’t even know they were sued until they see a bank levy or wage garnishment.
- Suing for debts they cannot properly document – They often lack original contracts or proof of ownership of the debt.
- Adding excessive fees and interest – The amount they claim is often much higher than the original balance.
- Attempting wage garnishment and bank levies – They aggressively pursue judgments to seize funds from paychecks or bank accounts.
If you’ve been contacted by Jefferson Capital Systems, don’t assume you have to pay. There are strong legal defenses available to you.
Your Rights Against Jefferson Capital Systems, LLC
Federal and California consumer protection laws give you rights against unfair debt collection tactics, including:
1. Proper Legal Service Before a Lawsuit
- You must be properly served before a lawsuit can proceed.
- If you were never notified of the lawsuit but they obtained a judgment against you, we can fight to have it overturned.
2. Protection From Wage Garnishment and Bank Levies
- Wages cannot be garnished until a court judgment is in place.
- Certain types of income (Social Security, disability, etc.) are protected from bank levies.
3. The Burden of Proof Is on Jefferson Capital
- They must prove they own the debt and the amount they claim is correct.
- If they lack original documents, their case may be dismissed.
4. Statute of Limitations on Debt Collection
- In California, most debts must be sued within four years of the last payment.
- If the debt is too old, we can get the case dismissed.
5. Protection From Harassment
- You have the right to demand that Jefferson Capital stop contacting you.
- They cannot mislead you, threaten illegal actions, or call excessively.
If Jefferson Capital Systems violated any of these rights, The Fullman Firm can help you fight back.
How The Fullman Firm Fights Jefferson Capital Systems, LLC
Our team has over 40 years of combined experience fighting aggressive debt collectors. Here’s how we help:
1. Fighting Lawsuits & Getting Cases Dismissed
- If Jefferson Capital Systems sues you, we challenge their evidence and force them to prove their case.
- Many times, they lack the proper paperwork, and the lawsuit can be dismissed.
2. Stopping Wage Garnishment & Bank Levies
- If you’ve already been hit with a wage garnishment or bank levy, we can fight to reverse it.
- Acting quickly is crucial—the sooner you call us, the better we can help.
3. Negotiating Debt Settlements That Work for You
- We have negotiated millions in savings for clients, often reducing debts by 50% or more.
- Our attorneys force debt collectors to agree to fair terms that fit your financial situation.
4. Challenging Bad Legal Service & Unlawful Judgments
- If you were sued without proper notice, we can fight to overturn the judgment.
- Many people win their cases just because they were never properly served.
5. Protecting Your Credit & Financial Future
- We work to remove illegal judgments from your record.
- Stopping collection actions helps you rebuild your credit and financial stability.
Real Case Success – Thousands of Clients Helped
At The Fullman Firm, we have helped tens of thousands of families and businesses fight back against unfair debt collection practices. Here’s just one example:
✅ Client sued by Jefferson Capital Systems for $27,338 – Case dismissed and client owed nothing.
✅ Another client facing a $15,710 judgment – We got it overturned and saved them from wage garnishment.
✅ Bank levy of $9,200 reversed – Funds returned to client after we proved they were not served properly.
Every case is different, but one thing remains the same: You have rights, and we know how to fight for them.
Take Action Now – Your Rights Are Time-Sensitive!
If you’ve been contacted or sued by Jefferson Capital Systems, LLC, do not wait. Acting quickly can stop legal actions, protect your wages, and even eliminate your debt entirely.
🚨 Call The Fullman Firm Today for a Free Consultation 🚨
- We’ve helped tens of thousands of clients win against debt collectors.
- We charge low, flat fees – no surprise costs.
- We fight to save you as much money as possible.
- You don’t have to deal with this alone – we’re on your side.
📞 Call us now or fill out the form to get started.
Final Thought: You Have Options – Let’s Explore Them Together
You don’t have to accept Jefferson Capital Systems’ claims. Whether you want to fight a lawsuit, stop a garnishment, or settle for less, The Fullman Firm is here to help. Contact us today and let’s take back control of your financial future.
