The Ultimate Guide to Jefferson Capital International

Debt collection agents can be quite ruthless so it’s understandable that you’d want to ignore this daunting experience. You’re not alone.

If you’ve received a call from Jefferson Capital International recently, then most likely you’re being chased for a debt. Like many others who are struggling to pay loans and are being hounded by debt collection agencies, it can be quite troublesome to be trailed for a debt you owe. But don’t worry!

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In this guide, we’ll discuss the steps you can all the how’s and why’s how to handle and go about your loan and how to react when a debt collection agency like Jefferson Capital comes knocking on your door. But first, let’s look at who Jefferson Capital International is.

Who are Jefferson Capital International

Officially named Aberdeen Financial Limited, Jefferson Capital International is one of the well-known UK-based debt collection companies registered with the Financial Conduct Authority (FCA) that collect debts from those who owe money in areas like England, Wales, Scotland, and Northern Ireland.

Like many debt collectors, Jefferson Capital International purchases debt from other companies at a discounted rate and uses its own collection agent to search for customer debt. They also hire salespeople who can visit your home and collect any unsecured debts. If you’re contacted by the Jefferson Capital debt collection company, rest assured that they’re doing so because they’re a debt collector demanding money to cover your outstanding debt.

Jefferson Capital International Acquisition (JCIA) is a major debt purchaser and is an industry-leading provider of traditional professional recovery services for sold-out consumer accounts. The company’s customers include lenders (banks, trading companies, card issuers, and other professional creditors) and other government bond buyers. Jefferson Capital purchases and services both secured and unsecured bankruptcies and traditional liquidated consumer credit, and also offers certain professional services such as money advice service, credit card programs in both the USA and the UK.

The company buys debt from many companies, including telecommunications companies, financial firms, banks and credit card companies. The Jefferson Capital International Acquisition team is part of Jefferson Capital International UK company, which was founded in the US in 2002. In the UK, these services are provided by JCIA and Creditlink Account Recovery Services Limited.

How do I get in contact with Jefferson Capital International?

Website: https://www.jcap.com/

Email: [email protected]

Postal Address: Jefferson Capital Systems, LLC, Dept #6419, PO Box 11407, Birmingham, AL, 35246-6419

Registered Home Office

  • USA Registered Office: Jefferson Capital Systems, LLC, 16 McLeland Road, St. Cloud, MN 56303
  • UK Registered Office: Level 39 One Canada Square, London, England, E14 5AB

Telephone

  • USA: +1 833-851-5552
  • UK: +44 203 437 0311

Are they a legitimate company?

Yes, Jefferson Capital International is a legitimate company. They’re an American-based firm with company registration number 10338132. Even if they’re not a member of the Credit Services Association (CSA), they hold a certification from the Receivables Management Association (RMA) and are seen as a legitimate debt collection agency by the Better Business Bureau.

Why is Jefferson Capital International Contacting Me?

As a debt collection agency, Jefferson Capital purchases a client’s consumer debt from a third party lender. This could be a credit card balance that wasn’t paid, finance that was closed and failed to pay, or an old phone invoice that wasn’t paid. The original creditor hires companies like Jefferson Capital to collect debts on their behalf.

When contacting you, Jefferson Capital must indicate who was originally in debt, the amount borrowed, and the monthly repayments time frame or debt management plan for the loan. You must admit liability, agree to their proposed management options, and be able to pay the loan in a timely manner for them to cease contacting you.

However, if they continue to contact you via letters, phone calls, or house visits, that most probably means that they can take legal action and ask a bailiff to collect the loan. You can avoid this entirely if you contact Jefferson Capital the moment you get a notice from them.

What Are My Next Steps?

Firstly, you should make sure that the debt mentioned in the Jefferson Capital International Letter is your debt. If you’re not really sure that those fees are yours to pay, it’s better to confirm and get further information by contacting a credit reporting agency and looking up your outstanding debt by name.

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Do I Qualify?

Jefferson Capital International, like other debt collection agencies, need to be able to prove that the debt they claim is really yours. If they can’t prove this, they can’t demand any payment from you or continue to contact you.

However, it’s worth noting that these letters are often sent to the old trading address. So, should you receive a letter from a debt collection company addressed to another person, please contact Jefferson Capital International and explain the situation. The company will need to change the details and contact preferences so they know how to properly reach the debtor using the following channels, but the credit file will be attached to the individual rather than the address, so it will not affect your credit score. If it does, you can most definitely seek legal advice so you know how to proceed.

Once you have confirmed that the debt is yours and Jefferson Capital International has proof of the debt, you will be obligated to pay, and the faster you settle the payment, the sooner the debt collection agency can stop reaching out to you.

What Can Jefferson Capital International Do?

Jefferson Capital International Can:

  • They can send letters, text you, call you, and provide further action if you leave their calls
  • These enforcement agents need to produce evidence that the debtor does have a loan and they’re from the company they mention they’re from in order to talk to you about your debt and discuss the payment plan or repayment plan that can help you cover your loan better.
  • If they have a court order, they can enter and visit your home in order to discuss your loan.

Jefferson Capital International Cannot:

  • They can’t withhold the letter proving the debt if you ask for it.
  • They can’t harass you or contact you outside of the hours you agreed on.
  • Demand payment when a debt is statute barred.
  • Demand more money than necessary to cover your debt.
  • Give your data to other lenders.
  • Show or discuss your debt with a family member or anyone other than the debtor.
  • They cannot charge interest rates if you can’t pay your loans on time.
  • Jefferson Capital can’t issue a County Court Judgement against you, send bailiffs to recover the debt, or apply for an attachment of earnings order (or charging order) without first obtaining a court order.

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