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Our Company

We listen, provide solutions that deliver, and we do the right thing for every situation.

Jefferson Capital is an analytically driven purchaser and servicer of consumer charged-off and bankruptcy accounts.

We were founded in 2002 based on the bedrock principles of listening, identifying solutions, and “doing the right thing.” It's why last year alone, we were able to help hundreds of thousands of our account holders find workable solutions to resolve their accounts and move forward with their lives.

A significant reason for our success, and one of the reasons we are one of the largest debt buyers in the United States, is due to The JCap Difference: Our Proprietary Solutions, Data Science Expertise, and Best in Class Compliance Program.

Jefferson Capital is headquartered in St. Cloud, Minnesota with additional offices located in Minneapolis, Minnesota and Denver, Colorado (United States); Basingstoke, England; Woking, England and Glasgow, Scotland (United Kingdom); as well as London, Ontario and Toronto, Ontario (Canada).