Credit Repair King | Westminster "Better Credit, Better Life" 3 Strategies for Dealing with Jefferson Capital Systems If you have a collection account with Jefferson Capital, you’ll need to timely address the debts. Dealing with a debt collection agency like Jefferson Capital System can be a stressful and overwhelming experience. However, it's important to remember that you have rights as a consumer, and there are steps you can take to fight back against their collection efforts. Jefferson Capital Systems (JCS) acts both as the purchaser and the administrator of your negative accounts. In other words, they either buy your delinquent accounts from banks or the original creditors and become your primary creditor, or act as a third-party collection agency between you and your original creditor. Unfortunately, this means you’ll have multiple debt collection agencies to deal with, and this can get really messy.  1. Request validation of the debt: Debt validation is the first step in dealing with any debt collection agency. Basically, you ask them for proof that you owe the debt they are trying to collect. To request validation, you can send a letter to Jefferson Capital System or other collection agency via certified mail, asking them to provide proof of the debt. This can be a copy of the original credit agreement or other documentation that shows you owe the debt. If they cannot validate, they are required to stop all collection efforts. Learn More strategy on our Blog.