Stop Jefferson Capital International Debt Collection In 3 Easy Steps

Editorial Note: These blog posts represent the opinion of DoNotPay’s Writers, but each person’s situation and circumstances vary greatly. As a result, you should make sure to do your own independent research. Because everyone is unique, our self-help tools are never guaranteed to help with any specific situation. DoNotPay is not a law firm and is not licensed to practice law. DoNotPay provides a platform for legal information and self-help.

Deal With Jefferson Capital International Debt Collection Effortlessly

If agents have been bombarding you with endless calls and mails, you are not alone. Dealing with collection agencies can be daunting and exhausting especially if you can’t completely remember what the debt was for.

According to the Guardian, more than 8 million folks in the UK struggle with bad debts and keeping debt collectors at bay. Shaking off debt collectors is a painstaking chore. Fortunately, DoNotPay has an automated way of dealing with collection agencies, making the process faster, more convenient, and less frustrating.

It's a relief to get reliable help in dealing with Jefferson Capital International debt collection. What's even better, DoNotPay can help you handle other debt collection agencies, including:

Read on to learn more about the Debt Help service.

Who Is Jefferson Capital International Debt Collection and Why Are They Calling Me?

Founded in 2002, became an established Debt Buyer and Debt Collector and a CL Holdings, LLC subsidiary. It is registered with the Financial Conduct Authority (FCA). The company is headquartered in St. Cloud, Minnesota (US) but has offices in different countries, including the UK.

Jefferson Capital purchases and services consumer charged-off and bankruptcy accounts from other creditors at discounted rates. These creditors range from banks, card issuers, trading firms, and other lending institutions. Jefferson Capital and Creditlink Account Recovery Service Limited (CARS) then chase consumers to settle these debts.

If the debt collector is calling you, it might be to:

  • Collect vital info
  • Ask for payments
  • Intimidate you into clearing your debt

Jefferson Capital International Debt Collection Contact Details

Ignoring Jefferson Capital’s attempts to communicate with you will not do you any good. It would be best to respond either to validate your debt or to hold off any further contact by letting them know that you are already looking into the debt.

You can contact Jefferson Capital International via:

Address5th Floor, Midpoint

Alencon Link, Basingstoke

RG21 7PP

Phone Number0203 437 0310
Contact FormJC International

What Happens if I Don't Pay My Debt to Jefferson Capital International Debt Collection

Understandably, your financial situation may not enable you to settle your debts right away with Jefferson Capital. The agency has similar legal capabilities to your original creditor.

The consequences of not paying the debt include:

  1. The pesky calls and mail will continue
  2. They'll send bailiffs to collect goods to cover the debt
  3. They'll apply for a charging order or an attachment of earnings order
  4. You may be subject to a court order
  5. The court could order a county court judgement (CCJ) against you

Has Jefferson Capital International Debt Collection Violated My Rights?

Jefferson Capital International Acquisition is regulated by the Financial Conduct Authority (FCA). There are certain principles that Jefferson Capital is expected to uphold, especially consumer rights.

You'll know if they have violated your rights if they:

  • Called you outside of certain hours
  • Failed to identify themselves as a debt collector when they called
  • Gave false statements about themselves or the amount you owe them
  • Threatened to arrest or take legal action, they can't legally pursue
  • Visited your home or working place without your permission, prior notice or court order
  • Discussed your debt situation with other people such as your neighbours, friends, workmates, or family members

If Jefferson Capital has violated your rights, DoNotPay can help you lodge a formal complaint against them.

Alternative Ways to Resolve Customer Service Complaints

There's bound to be disputes between you and Jefferson Capital International debt collection, especially when they violate our rights or plan to take legal action against you. Legal action can leave your financial situation in dire condition and your credit limit on the floor.

To avoid such, there are various ways you can resolve the matter:

1. Financial Ombudsman

This is an independent and impartial party that settles disputes between consumers and creditors. The ombudsman will listen to complaints from both parties and advise accordingly.

Contact the ombudsman through:

2. Alternative Dispute Resolutions Schemes (ADR) with the FCA

The FCA governs all credit collectors in the UK. Both parties can engage in mediation, arbitration, conciliation, negotiation, and transaction to resolve the issue. In most cases, the creditor is a member of an ADR scheme that can handle the issue.

3. Small Claims Court

This is the last resort if all other dispute resolution methods have failed. However, the total amount the debt collector can claim is £10,000 in England and Wales, £5,000 in Scotland, and £3,000 in Northern Ireland.

How Long Can Debt Collectors Collect Debt From Me?

Regardless of the amount you owe Jefferson Capital International debt collection, there's a statute of limitations. This law limits creditors from chasing debts within a specific period, after which the debt becomes statute-barred, and you don't have to pay it.

According to the Limitation Act of 1980, Jefferson Capital has six years for unsecured debts and 12 years to seek mortgage payments. The statute period applies since the last person wrote to them, acknowledged, or made a payment.

How to Make a Payment to Jefferson Capital International Debt Collection

You've finally decided to settle your debts. It could be you've bowed to the pressure from Jefferson Capital International debt collection agents, or your financial situation has improved.

Whichever reason it is, here's how to make the payments:

  • Phone call - You can call the company at 0203 437 0310 and enquire which methods are available for you to use.
  • Online - Navigate your web browser and visit the CARS self-payment portal to make online payments. Once you make the payments, CARS will immediately mail you a confirmation. You will also view the payment history on your regular credit card statements and payment history.

How to Get Debt Payment Assistance

If you're in debt and struggling to make payments, it's important to contact Jefferson Capital International Acquisition as soon as possible. One of their values is listening to consumers.

They'll understand your financial situation and are willing to work with you and agree to a new payment plan that includes:

  • Get a debt consolidation loan - this rolls all your debts into one, usually at a lower rate of interest than what was previously being charged.
  • Debt Management Plan (DMP) - an informal arrangement with Jefferson Capital that freezes all interest to prevent the balance from increasing while in the DMP, making it easier for you to repay their debts.
  • Debt Relief Order (DRO) - A DRO temporarily stops creditors from taking any action against you if you owe less than £30,000, less than £2,000 in assets, and less than £75 disposable income. However, you must have lived or worked in England or Wales within the previous three years.
  • Individual Voluntary Arrangement (IVA) - an agreement between you and Jefferson Capital agreeing to pay all or part of your debts through an insolvency practitioner.

Get Debt Help With DoNotPay

Constant calls and mail from Jefferson Capital International Acquisition can bring chaos into your life. If any of the above methods haven't warded off the debt collector, DoNotPay can help.

Just follow these simple steps:

  1. Search “debt collection” on DoNotPay.

  2. Answer a series of questions about the debt collectors, including when you were contacted and how you were contacted, so we can determine if they have violated any debt collection laws.

  3. Decide which course of action you want to take based on our guidance, such as filing a debt verification request, demanding for the collectors to stop contacting you, or reporting them to a professional trade association.

What Else Can DoNotPay Do?

Shaking off Jefferson Capital International debt collection agents is among the numerous goodies DoNotPay has in store for you. We have your back, whether you are struggling with file conversions, appealing parking tickets, or notarizing documents.

We can also:

and open a whole new world of possibilities with the aid of just a single app.

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