Should I pay Jefferson Capital International Acquisition Debt?

Worried about dealing with Jefferson Capital International? You’re not alone. Every month, over 12,000 people visit this site for advice on debt matters.

In this article, we’ll explore:

•  Who Jefferson Capital International is, and their role in debt collection
•  If and when you need to pay Jefferson Capital International
•  Ways to lower your repayments 
•  The legal rights you have when dealing with debt collectors 
•  Steps to take if you are contacted by Jefferson Capital International

Understanding debt matters can be tough, and dealing with debt collectors can be even tougher; some of us have been in your shoes. Don’t worry; we’re here to help you understand your options.

Ready to learn about dealing with Jefferson Capital International? Let’s get started!

Why would Jefferson Capital International contact you?

Jefferson Capital International will likely contact you over an outstanding third-party debt! You see, the debt collection agency buys debts from other businesses and then chases the debtors for payment.

In short, the original creditor sells the debt to Jefferson for a low amount but the debt collection agency recovers a lot more than that! It’s how they make their money.

» TAKE ACTION NOW: Fill out the short debt form

How could you get out of paying Jefferson Capital?

There are two ways which could get you out of paying a Jefferson Capital debt which I’ve listed below:

• Jefferson can’t prove the debt is yours
• The debt is over six years old and therefore statute barred

Can you ignore Jefferson Capital International letters?

No. Don’t ignore or bin any correspondence you get from Jefferson Capital because you could end up in court. Moreover, a judge could issue a County Court Judgement (CCJ) against you, ruining your credit score!

Also, when you ignore a debt collector’s letter, you could be missing out on the following:

• Discovering the debt is statute-barred
• Determining the debt is not yours
• Establishing the debt was paid off
• Missing out on an affordable repayment plan

Rather than ignore the correspondence, seek advice from an independent debt charity.

What happens if I don’t pay Jefferson Capital?

Jefferson Capital could take you to court when you don’t pay a debt they prove is yours. If you don’t attend court or respond to court papers, a judge could issue a CCJ against you!

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What can Jefferson Capital legally do when they contact you?

Jefferson Capital is regulated by the Financial Conduct Authority and must follow the law when they contact you. So, in short, there are things a debt collector may do and things they can’t do!

I’ve listed the things Jefferson can do below:

• Visit you at home
• Discuss your debt discreetly and politely with you
• Contact you by phone, email or letter 
• Ask you to pay them directly (not straight away and not on the doorstep!)

That said, I’ve listed what debt collectors can’t do here:

• Put pressure on you to take out a new loan to pay off the money they allegedly say you owe
• Act in an aggressive or threatening manner
• Force entry into your home
• Visit you at the place where you work
• Clamp your vehicle or seize your possessions
• Threaten you with legal action when they know they won’t
• Lead you to believe they are bailiffs (enforcement agents). It’s illegal if they do!
• Continually contact you at times and in ways you asked them not to
• Breach your privacy by discussing debt with your family, friends, neighbours or employer
• Talk to you in a confusing manner to mislead you

Can you stop Jefferson Capital from contacting you?

You can’t stop Jefferson Capital from contacting you, but you can dictate when and how the debt collector contacts you.

Write to the company and tell them when they can contact you, and how they can contact you!

Debt collection agencies must respect this request and if they don’t, file an official complaint. 

Then lodge a complaint with the Financial Ombudsman!

How can you contact Jefferson Capital International?

You can contact Jefferson Capital in several ways which I’ve listed below: