What is it?
In 2021, two class action lawsuits were filed against Jefferson Capital Systems LLC (JCS), a debt collection company headquartered in Minnesota. The lawsuits allege that JCS violated the Fair Debt Collection Practices Act (FDCPA) by using a deceptive address, PO Box 1120 Charlotte, NC, on its debt collection letters.
Why is it important?
The FDCPA prohibits debt collectors from using false or misleading information in their communications with consumers. The lawsuits allege that JCS’s use of a PO Box address in Charlotte, NC is misleading because it creates the impression that JCS is located in North Carolina when it is actually headquartered in Minnesota. This can be confusing for consumers, who may believe that they are required to comply with North Carolina laws even though JCS is subject to Minnesota laws.
Who is eligible to join the class action lawsuit?
Consumers who received debt collection letters from JCS using the PO Box 1120 Charlotte, NC address may be eligible to join the class action lawsuit.
What could I recover if I join the class action lawsuit?
If the class action lawsuit is successful, class members may recover damages, including statutory damages of up to $1,000 per violation of the FDCPA, as well as attorneys’ fees and costs.
How do I join the class action lawsuit?
If you received a debt collection letter from JCS using the PO Box 1120 Charlotte, NC address, you should contact a class action attorney to discuss your legal options.
FAQs:
- What is the FDCPA?
The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from abusive and deceptive debt collection practices.
- What is a class action lawsuit?
A class action lawsuit is a type of lawsuit in which one or more plaintiffs sue on behalf of a group of people who have all been harmed by the same defendant.
- How do I know if I am eligible to join the class action lawsuit?
If you received a debt collection letter from JCS using the PO Box 1120 Charlotte, NC address, you may be eligible to join the class action lawsuit.
- What do I need to do to join the class action lawsuit?
Contact a class action attorney to discuss your legal options.
- What are the potential benefits of joining the class action lawsuit?
If the class action lawsuit is successful, class members may recover damages, including statutory damages of up to $1,000 per violation of the FDCPA, as well as attorneys’ fees and costs.
- What are the potential risks of joining the class action lawsuit?
There is no guarantee that the class action lawsuit will be successful. If the class action lawsuit is unsuccessful, class members may be responsible for their own attorneys’ fees and costs.
Conclusion
If you received a debt collection letter from JCS using the PO Box 1120 Charlotte, NC address, you should contact a class action attorney to discuss your legal options. You may be eligible to join the class action lawsuit and recover damages.
References:
- Borges v. Jefferson Capital Systems LLC: https://tcpaworld.com/wp-content/uploads/2021/04/1-Class-action-complaint-Borges-v-JPA.pdf
- Lakkard v. Jefferson Capital Systems LLC: https://www.classaction.org/media/lakkard-v-jefferson-capital-systems-llc.pdf