Bureau Of Collection Recovery, Inc. Harassing phone calls daily Minnetonka, Minnesota

If you receive a letter from Bureau of Collection Recover, Inc. for Jefferson Capital Systems stating that you owe a debt, DO NOT send any money to them!!!! It is a SCAM.

Jefferson Capital is also operating as Jefferson Collections, Jefferson Recovery, and also Jefferson Debt Consolidation.

Another good way to find out if a company is legit, call your local news station, the state attny. generals office, etc. You'll find out faster this way if a company is legit or not.

I have a real neat tape of Don Corrileone (Marlon Brando) in the original "Godfather film and it is on my ANSWERING MACHINE. When it clicks off, I then do my best B oris Karloff laugh or I MIGHT play a Doctor Demento special tape and loop it so they just hear the same infuriating lyrics over and over again. The more they call, the more lyrics they hear until thehy will be having NIGHTMARES about those lyrics.

I also put a military marching band tape on full blase and I have a recording of a military firing range and people screaming and I have Gangsta Rap tapes I can serenade these uninvited telemarketers and debt collector-harrassers...

Man, I just LOVED it when they called BUT I don't get many calls anymore and I am rather lonesome.

You can play the first part of Carl Orff's "Carmina Burana" and tell the caller to come on over that you need another human sacrifice for your Cult cause the last one didn't taste too good cause he exploded too soon in the barbeque pit...."

It's also funny because if they call you wanting to raise hell and fear and intimidation in YOUR life, look at what you have done to THEM -- besides, they called YOU didn't they?


heh hehheheheheheheheheheheheheheheheheheheheheheheh

How can a debt collector contact you? FROM THE MN Attorney Generals office

Collectors may contact you by mail, telephone, telegram or fax between the hours of 8 a.m. and 9 p.m.
Collectors may not contact you at work if they have reason to know your employer prohibits such communications.
Collectors may contact other people to find out your home address and phone number or your work location, but they cannot say that you owe money or that they work for a collection agency. Collectors may not tell others that you owe a debt.
If you have a lawyer, collectors may not contact anyone but your lawyer.
What rights do you have regarding debt collection?

You can stop collectors from calling or writing to you by sending them a letter asking them to stop. Once they get your letter, they can only contact you to tell you that they are stopping their collection efforts or tell you what legal remedies they intend to pursue. Remember that this does not give you the right to ignore court papers.
You can dispute that you owe all or part of a debt or ask for the name and address of the creditor (the person you allegedly owe). To do so, you must write to the collector within 30 days after you receive an initial letter or call about the debt. If you do this, collectors must stop trying to collect until they send you proof that you owe the debt.
What debt collection practices are prohibited?

Harassment and Abuse. Collectors cannot harass, oppress, or abuse you or any other person they contact. Specifically, they cannot swear at you, threaten harm to you, call you repeatedly in an attempt to annoy you, call you without disclosing their identity, or publicize your name as someone who refuses to pay debts.
Misleading Statements. Collectors cannot use any false, deceptive or misleading statements when trying to collect a debt. Specifically, they cannot misrepresent the amount you owe, make a letter look as though it is from the government or a court, imply that they are government representatives, imply that nonpayment will lead to your arrest or garnishment, or threaten to disclose false information about you to a credit bureau.
Unfair Practices. Collectors may not use unfair or unconscionable means to collect a debt. Specifically, they cannot collect any amount greater than your debt, deposit a post-dated check prematurely, deceive you into paying for collect calls, threaten to take your property unless they can legally do so, contact you by postcard or apply your payment to a debt other than the one you have indicated.
How can a creditor garnish your wages or bank account?

Starting the Garnishment Process. If you don't pay a bill, creditors can garnish your wages by suing you, then garnishing your wages or bank accounts based either on the judgment they get in court or on the default judgment they could get if you do not respond to the lawsuit. Thus, if you get a "complaint" (the document that begins a lawsuit), you should contact a lawyer to help you respond to the allegations. If you negotiate a payment plan with the creditor, be sure to put it in writing.

Protections from Garnishment. Generally, creditors cannot garnish more than 25% of your net wages. Creditors also cannot take any of your wages for six (6) months after you have received public assistance based on need. This includes the Minnesota Family Investment Program (MFIP), Emergency Assistance (EA), Work First Program, Medical Assistance (MA), General Assistance (GA), General Assistance Medical Care (GAMC), Emergency General Assistance (EGA), Supplemental Security Income (SSI) and Energy Assistance (EA). If you deposit your public assistance in a bank account, creditors cannot garnish your account for 60 days. Finally, creditors cannot take your home, or car, furniture, employee benefits or insurance proceeds up to certain values.

Claiming an "Exemption." If you received public assistance, you may claim that your wages are "exempt" from garnishment by promptly returning to the creditor the "Garnishment Exemption Notice and Notice of Intent to Garnish," which is a form the creditor must send to you at least 10 days before garnishment begins. To claim that funds in your bank account are "exempt," you should sign and return within 14 days to the bank (and the creditor's attorney) the "Exemption Notice," which is a form the bank sends to you when they receive a Garnishment Summons from the creditor to tap your account.

Length and Amount of Garnishment. If you don't claim any exemptions, creditors can take part of your paycheck for the next 70 days. Excluding child support, you get to keep either 75% of your net wages or 40 times the minimum wage, whichever is greater.

You need to assert your rights under the federal Fair Debt Collections Practices Act, the federal Fair Credit Reporting Act and the California statute known as the Rosenthal FDCPA.

It is never a good idea to give fraudulent information - take the high ground and you'll be fine. Further, small claims is very cheap - it's only $14 for the filing fee here in WNY, so I don't know what the advice above is about.

1. You need to send them a certified, return receipt requested letter. In the letter, you should assert the following:

A. You deny the debt-it isn't yours. You dispute the full debt amount. Further, because you dispute the debt, you want them to send you copies of all documents that establish this debt as yours.

B. You want full contact information for the CURRENT creditor (who the money is now owed to) and the ORIGINAL creditor.

C. Inform them that only written communication will be allowed. Further assert that any future phone calls will be considered harassment and the appropriate CRIMINAL complaint will be filed with your local police in addition to complaints to THEIR State Attorney General Office.

If they call you again, AFTER they receive your letter, you've got them dead to rights for a civil suit for violating the FDCPA and the California Rosenthal FDCPA. You shouldn't have any trouble finding a lawyer to sue them - the statutes allow for damages in addition to a statutory $1000 in damages plus your reasonable legal fees.

2. Read the FDCPA, FDCR and Rosenthal FDCPA. They are online at various government websites. (FTC and such.)

Good luck.

Next time they call tell them that they need to send you notice in letter form of what the charge is and when it was billed. If they do not comply give the the number of your lawyer. Even if you don't have one give them a number of a firm in your area so when they call they know its a law firm. It will cost them more to file in small claims court then what the bill is. I bet they will leave you alone.

Next time they call tell them that they need to send you notice in letter form of what the charge is and when it was billed. If they do not comply give the the number of your lawyer. Even if you don't have one give them a number of a firm in your area so when they call they know its a law firm. It will cost them more to file in small claims court then what the bill is. I bet they will leave you alone.

Next time they call tell them that they need to send you notice in letter form of what the charge is and when it was billed. If they do not comply give the the number of your lawyer. Even if you don't have one give them a number of a firm in your area so when they call they know its a law firm. It will cost them more to file in small claims court then what the bill is. I bet they will leave you alone.