Debt buyer

Sued by Jefferson Capital Systems, LLC? Don't ignore it.

A debt buyer that acquires charged-off accounts and sues on them.

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Most courts give you 14 to 30 days to respond. If you do nothing, they win automatically.

Who is Jefferson Capital Systems, LLC?

Jefferson Capital Systems purchases consumer debt portfolios. They were not party to your original account.

They bought your debt, and that matters

A debt buyer has to prove it actually owns your specific account. That means an unbroken paper trail from the bank that opened it, all the way to them. This is where these cases most often fall apart, because the paperwork frequently does not exist in the form a court requires.

What tends to matter in these cases

  • Demand the documents showing the account was actually transferred to them.
  • Ask for a complete accounting of how the amount claimed was reached.
  • Watch for accounts that are past your state's deadline for filing suit.

What to do right now

  1. 1

    Find your deadline

    It counts from the day you were served, not the date on the paperwork. Write it on a calendar today.

  2. 2

    File an Answer

    This is the document that stops them winning by default and forces them to prove their case.

  3. 3

    Make them prove they own it

    Use discovery to demand the original agreement and the complete chain of ownership.

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Sued by someone else?

Midland Credit Management, Inc.Portfolio Recovery Associates, LLCLVNV Funding LLCCavalry SPV I, LLCAmerican Express National BankDiscover Bank

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