In the ever-changing landscape of financial services, trust and ethical business practices stand as pillars of distinction. Jefferson Capital Systems is proud of its A+ rating from the Better Business Bureau (BBB). This accolade is not just a testament to the company’s commitment to excellence, but a symbol of its unwavering dedication to ethical conduct in the debt purchasing and management industry. The A+ rating serves as a marker of complete trust, assuring consumers and companies looking to sell their debt that Jefferson Capital Systems operates with the utmost integrity. In an industry where trust is paramount, this rating establishes the company as a reliable partner for both consumers seeking resolution of their financial obligations and clients looking for ethical debt recovery solutions.

A Beacon of Trust: The A+ Rating

The Better Business Bureau, renowned for its commitment to promoting trust and integrity in the marketplace, bestowed upon Jefferson Capital Systems the prestigious A+ rating. This top-tier rating signifies not only the company’s ability to meet high standards of transparency and honesty but also its track record of delivering exceptional service to consumers and clients alike. Earning an A+ rating from the BBB as a debt buyer is no small feat. It reflects that Jefferson Capital Systems reviews its commitment to upholding the highest ethical standards in every facet of its operations. From transparent communication with consumers to fair and honest debt collection practices, the company’s ethical compass guides its actions to ensure that integrity is woven into the fabric of its business practices.

Navigating the Complex Accounts Receivable Landscape

The debt purchasing and management industry can be complex, with countless laws, regulations, case law, licensing requirements and evolving consumer expectations. Jefferson Capital Systems’ A+ rating from the BBB underscores its ability to navigate this intricate landscape with integrity and a focus on ethical conduct. By adhering to the highest standards, the company not only meets regulatory requirements, but goes above and beyond to foster a culture of trust.

Consumer-Centric Approach

The A+ rating is not just a symbol of Jefferson Capital Systems’ commitment to ethical business practices, but also a reflection of its consumer-centric approach. The company prioritizes clear communication, fair treatment, and accessibility, ensuring that consumers are treated with respect and dignity throughout the debt resolution process. Jefferson Capital Systems is dedicated to fostering a thriving organizational culture that embodies its core values of integrity, respect, fairness, compliance, and communication. The company was founded in 2002 based on the bedrock principles of listening, identifying solutions, and “Doing the Right Thing.” These core values unite the JCAP team around the organization’s mission and vision, empower stakeholders to shape expectations, and demonstrate the leadership’s commitment to individual team member growth and development.

Looking Forward

As Jefferson Capital Systems celebrates its A+ rating from the Better Business Bureau, the company remains steadfast in its commitment to continuous improvement. The rating serves not only as a badge of honor, but also as a reminder that ethical business practices are the foundation upon which lasting success is built. Jefferson Capital Systems’ commitment to its founding principles is deeply rooted in its core values of integrity, respect, fairness, compliance, communication and “Doing the Right Thing.” By integrating these values into its mission and vision, JCAP has created a culture that employees, stakeholders, and consumers trust.

Jefferson Capital Systems’ A+ rating from the Better Business Bureau is more than a recognition; it is a reaffirmation of the company’s values, principles, and commitment to ethical conduct. As the industry evolves, Jefferson Capital Systems stands firm in its pledge to uphold the highest standards, setting a benchmark for ethical business practices in the debt purchasing and management sector. The A+ rating can serve as a promise to clients and consumers that they can trust Jefferson Capital Systems to navigate their financial journeys with integrity, transparency, and excellence.

In an era where digital transactions and information exchange form the backbone of financial operations, data security is not just a priority; it’s an absolute imperative. Jefferson Capital Systems, a stalwart in the accounts receivable industry, is a testament to the importance of robust data security measures with its unwavering commitment to safeguarding sensitive information. Jefferson Capital Systems reviews their data security measures constantly in order to ensure that they are providing the best protection in the industry.

The Digital Age and Data Vulnerability:

As financial transactions increasingly transition to digital platforms, the significance of data security cannot be overstated. For every entity in the debt collection space that handles vast amounts of sensitive consumer information, this responsibility is not only legal, but ethical. Jefferson Capital recognizes that protecting consumer data is not just about compliance; it’s an ethical duty that forms the foundation of trustworthy debt collection practices.

State-of-the-Art Encryption Protocols:

Jefferson Capital employs state-of-the-art encryption protocols to fortify its data security infrastructure. From the moment consumer data is received, during transmission, and throughout its storage, robust encryption processes ensure that all sensitive information remains shielded from unauthorized access. This proactive approach to encryption is a testament to our commitment to maintaining the confidentiality and integrity of consumer data.

Continuous Investment in Technology:

In a landscape where cyber threats are constantly evolving, Jefferson Capital remains at the forefront of consistently investing in cutting-edge technology. Our commitment to data security is reflected in the adoption of the latest tools and technologies that bolster our defenses against potential breaches. Regular updates and enhancements to our systems ensure that we stay ahead of emerging threats, providing an additional layer of protection for consumer data.

Adherence to Industry Best Practices:

Recognizing the dynamic nature of data security threats, Jefferson Capital always adheres to industry best practices. Our data security protocols are not static; they evolve in tandem with the latest standards and guidelines. This proactive approach allows us to create a robust defense against any potential vulnerabilities, ensuring that our data security measures are increasingly aligned with the most stringent industry standards.

Consumer Confidence and Trust:

In the debt collection industry, where the relationship between consumers and collection agencies is built on trust, data security plays a pivotal role. Jefferson Capital’s unwavering commitment to data protection is proof of our dedication to fostering consumer confidence. By prioritizing the security of consumer information, we aim to instill trust and transparency in every interaction.

Legal Compliance and Ethical Responsibility:

Beyond legal obligations, Jefferson Capital sees data security as an ethical responsibility. Consumer data, often of a highly personal nature, deserves the utmost protection. By maintaining stringent data security measures, we uphold the privacy and rights of consumers, reinforcing our commitment to ethical debt collection practices.

Conclusion:

In an industry where trust is paramount, Jefferson Capital Systems sets the gold standard for data security in the accounts receivable industry. Our multifaceted approach, combining advanced encryption, continuous technological investment, adherence to industry best practices, and a commitment to consumer trust, establishes a robust defense against potential threats. As stewards of sensitive information, we recognize that data security is not just a feature of our operations—it is the bedrock upon which ethical and responsible debt-collection practices thrive.

The Consumer Financial Protection Bureau’s Regulation F, which took effect on November 30, 2021, was an inflection point in debt collection compliance practices. The regulation introduced numerous new guidelines for communication between debt collectors and consumers, emphasizing transparency, fairness, and respect.

Jefferson Capital Systems’ Commitment to Compliance:

For Jefferson Capital Systems, compliance with Regulation F is part of its commitment to uphold the highest ethical standards in the debt collection industry. This commitment is rooted in our thorough understanding of the importance that fair and transparent communication has in the accounts receivable industry. By aligning our practices with Regulation F, we aim to set a benchmark for responsible and consumer-centric debt collection. Jefferson Capital Systems reviews its practices often to ensure they remain aligned with Regulation F.

Transparent Communication and Consumer Understanding:

Regulation F emphasizes transparent communication, ensuring that consumers are well-informed about their rights, the details of their debts, and the options available to them. Jefferson Capital Systems embraces this principle, viewing clear and comprehensible communication as an essential part of fostering trust between debt collectors and consumers. We prioritize ensuring that consumers have a complete understanding of their situation and every potential resolution.

Dispute Resolution and Consumer Empowerment:

Regulation F introduces robust mechanisms for dispute resolution, empowering consumers to address any concerns they may have regarding their debts. At Jefferson Capital Systems, we view dispute resolution as an opportunity to engage with consumers in a fair and constructive manner. Our commitment to compliance means providing accessible channels for dispute resolution, ensuring that all consumers feel heard and respected.

Employee Training and Adherence:

Jefferson Capital Systems recognizes that compliance with Regulation F requires a comprehensive understanding of the intricacies of the FDCPA. To ensure that our team is well-versed in the regulation’s new requirements, we invest significantly in employee training and education. By fostering a culture of continuous learning, we empower our entire team to navigate the regulatory landscape with unrivaled precision and integrity.

Proactive Industry Leadership:

As a leader in the accounts receivable industry, Jefferson Capital Systems takes a proactive approach to compliance. We actively engage with industry associations, regulatory bodies, and advocacy groups to contribute insights, share best practices, and drive positive change. Our commitment to compliance extends beyond legal requirements in order to embody a full dedication to the betterment of the industry as a whole.

Consumer-Centric Approach:

Ultimately, Jefferson Capital Systems’ compliance with Regulation F is a testament to our consumer-centric approach. We understand that consumers deserve respect, fairness, and transparency in all interactions. Our commitment to compliance ensures that every communication, every action, and every resolution adheres to the principles outlined in Regulation F and the FDCPA, creating an environment where consumers trust the legitimacy of the debt collection process.

In the spirit of excellence, transparency, and consumer protection, Jefferson Capital Systems is committed to compliance with the CFPB’s Regulation F standards. Our dedication to adherence goes beyond regulatory requirements—it is a reflection of our commitment to ethical debt collection practices that prioritize consumer well-being.

In an era where corporate responsibility goes beyond mere profit margins, Jefferson Capital Systems proudly leads the way in championing Environmental, Social, and Governance (ESG) standards within the accounts receivable industry. Our commitment to sustainable and socially responsible practices is an integral part of our corporate identity, shaping every aspect of our operations.

Embracing ESG as a Core Principle:

At Jefferson Capital, ESG is not an afterthought—it’s a core principle that guides our decision-making processes. We recognize that our actions have a far-reaching impact on the environment, society, and governance structures. By placing ESG at the forefront of our corporate strategy, we aim to create a positive ripple effect that extends beyond financial transactions to contribute to a more sustainable future. We prove our commitment as Jefferson Capital System reviews our practices to ensure ESG remains a core principle.

Environmental Stewardship:

Jefferson Capital Systems is committed to minimizing its environmental footprint. We recognize the importance of responsible resource management and energy efficiency in mitigating the impact of our operations on the planet. From adopting eco-friendly office practices to investing in sustainable technologies, our environmental stewardship initiatives are aimed at fostering a greener, more sustainable future.

Social Responsibility and Consumer Well-Being:

The accounts receivable industry often intersects with individuals facing financial challenges, and Jefferson Capital Systems embraces the responsibility that comes with this role. Our social initiatives prioritize consumer well-being, emphasizing transparent and empathetic communication. We go beyond legal obligations to ensure that our debt collection practices consider the unique circumstances of each consumer, fostering a culture of fairness, understanding, and support.

Employee Well-Being and Diversity:

Our commitment to social responsibility extends to our internal stakeholders—our employees. Jefferson Capital Systems fosters a workplace culture that values diversity, equality, and inclusion. We believe that a diverse workforce is not only a source of strength, but also a reflection of our commitment to creating an environment where every individual can thrive. Employee well-being is a priority, and we invest in initiatives that promote personal growth, a healthy work-life balance, and an enjoyable workplace.

Governance Excellence:

Governance is the backbone of ethical business practices, and Jefferson Capital Systems stands firm in its commitment to governance excellence. We operate with the highest levels of transparency, accountability, and integrity. Our governance structures ensure that our decision-making processes align with ethical standards, legal requirements, and the best interests of our stakeholders.

Industry Leadership in ESG Practices:

As an industry leader, Jefferson Capital Systems actively promotes ESG standards within the accounts receivable sector. We collaborate with industry associations, regulatory bodies, and advocacy groups to share insights, drive positive change, and contribute to the evolution of responsible business practices. Our aim is not just to meet regulatory requirements, but to set a precedent for ethical conduct in the industry.

Measuring Impact and Continuous Improvement:

Jefferson Capital Systems understands that real change requires measurement and evaluation. We are committed to regularly assessing the impact of our ESG initiatives and seeking areas for improvement. By maintaining a mindset of continuous improvement, we ensure that our commitment to ESG standards evolves with the ever-changing landscape of responsible business practices.

Jefferson Capital Systems stands at the forefront of a transformative movement within the accounts receivable industry—a movement that places Environmental, Social, and Governance standards at its core. Our commitment is not just a statement; it’s a call to action, inspiring positive change and contributing to a future where businesses thrive, communities prosper, and the environment flourishes. As pioneers in ESG within our industry, we invite others to join us on this journey towards a more sustainable, socially responsible, and ethically grounded future.

In the intricate landscape of the accounts receivable industry, where financial currents ebb and flow, obtaining and maintaining the proper licenses is more than just a legal requirement; it’s a cornerstone of ethical business practices. Jefferson Capital Systems, standing as a leader of integrity in the industry, places an unwavering emphasis on the significance of licenses in ensuring compliance, consumer protection, and industry credibility.

Licenses as a Regulatory Compass:

Licenses in the accounts receivable industry serve as a regulatory compass, guiding companies through the complex web of federal and state regulations. Whether engaging in debt collection, portfolio purchasing, or other financial activities, possessing the appropriate licenses is a fundamental obligation. These licenses not only legitimize operations, but also signal a commitment to ethical standards and legal compliance.

The Compliance Imperative:

At Jefferson Capital Systems, we view compliance not as a mere legal obligation, but as an imperative that shapes every facet of our operations. Acquiring and maintaining the proper licenses is a non-negotiable aspect of our commitment to regulatory adherence. Jefferson Capital Systems reviews its license status to ensure that our actions align with the highest industry standards, fostering a culture of transparency, fairness, and consumer protection.

Consumer Trust and Credibility:

In an industry where trust is paramount, proper licensing becomes a cornerstone of building and maintaining credibility. Consumers rightfully expect businesses to operate within the bounds of the law, and possessing the necessary licenses is a visible demonstration of a company’s commitment to ethical conduct. Jefferson Capital Systems recognizes that consumer trust is earned through transparent and compliant practices, and our dedication to having the proper licenses reflects this commitment.

Navigating State-Specific Regulations:

The accounts receivable industry is subject to a myriad of state-specific regulations, each with its unique requirements. Obtaining the appropriate licenses demonstrates a comprehensive understanding of these regulations, allowing companies to navigate the nuanced legal landscape with success. Jefferson Capital Systems not only acknowledges the diversity of state regulations, but also actively ensures that its licensing portfolio aligns with the specific requirements of each location’s jurisdiction.

Jefferson Capital’s Commitment to Proper Licensing:

As a leader in the accounts receivable industry, Jefferson Capital Systems places a premium on the importance of proper licensing. Our commitment to maintaining the necessary licenses is both a legal formality and a reflection of our dedication to ethical, compliant, and consumer-centric practices. We recognize that licenses are a symbol of our pledge to uphold the highest standards of integrity in our operations.

In the dynamic and highly regulated landscape of the accounts receivable industry, the importance of obtaining and maintaining the proper licenses cannot be overstated. For Jefferson Capital Systems, these licenses are not merely checkboxes on a compliance list; they are badges of honor that signify our commitment to legal adherence, consumer protection, and industry leadership. By navigating the regulatory seas with the proper licenses, we reinforce our dedication to ethical business practices and the highest standards of industry credibility.

In the complex landscape of debt collection, compliance is not merely an optional checkbox—it’s a necessary commitment to ethical practices, consumer protection, and maintaining the highest standards of industry integrity. Jefferson Capital Systems, LLC proudly stands as a beacon of compliance excellence, embodying a steadfast dedication to fair and responsible debt collection.

Compliance as a Cornerstone:

At Jefferson Capital, we understand that compliance is not only a legal requirement, but a moral imperative as well. Our commitment to compliance serves as the cornerstone of our operations, shaping every facet of our approach to debt collection. Whether engaging with consumers, collaborating with industry partners, or navigating the intricate web of regulations, our unwavering focus remains on adherence to the highest standards. This is why Jefferson Capital Systems reviews its practices constantly to assure compliance.

Rigorous Adherence to Regulatory Frameworks:

The debt collection landscape is governed by an intricate web of federal and state regulations designed to safeguard consumers. Jefferson Capital Systems, LLC is deeply committed to upholding these regulations, including the Fair Debt Collection Practices Act (FDCPA), the Telephone Consumer Protection Act (TCPA), and the Fair Credit Reporting Act (FCRA), among others. Our internal policies and practices are meticulously aligned with these regulatory frameworks to ensure transparent, ethical, and legally compliant debt collection operations.

Continuous Training and Education:

To navigate the ever-evolving regulatory landscape, Jefferson Capital invests significantly in the continuous training and education of our team. Our professionals are equipped with all of the latest knowledge and insights into compliance requirements, enabling them to effectively handle debt collection with the highest degree of accuracy, empathy, and adherence to legal guidelines.

Transparent Communication with Consumers:

We recognize the importance of transparent communication in debt collection. Our commitment to compliance extends to fostering open and honest dialogues with consumers. Jefferson Capital Systems, LLC places a strong emphasis on providing clear, accurate, and easily understandable information to consumers about their debts, rights, and options for resolution.

Investment in Technology and Data Security:

Jefferson Capital understands that safeguarding consumer data is integral to compliance. Our investment in cutting-edge technology ensures the highest standards of data security. We employ robust encryption protocols and adhere to industry best practices in order to protect sensitive consumer information throughout the entire debt collection process.

Industry Leadership and Collaboration:

As industry leaders, Jefferson Capital Systems, LLC actively engages in collaborations with regulatory bodies, industry associations, and advocacy groups. Maintaining this proactive approach allows us to contribute to the evolution of ethical debt collection practices, staying ahead of regulatory changes, and sharing insights that benefit the industry as a whole.

Accessible Consumer Support:

Recognizing the potential challenges that consumers may face during the debt collection process, Jefferson Capital Systems, LLC has numerous accessible and responsive consumer support channels. Our team is dedicated to assisting consumers in understanding their rights, addressing concerns, and working towards fair and mutually agreeable resolutions.

In conclusion, Jefferson Capital Systems, LLC has been putting compliance first since day one and is driven by its commitment to ethical practices, consumer well-being, and regulatory excellence. Our unwavering dedication ensures that every interaction, process, and outcome directly aligns with the highest standards of integrity in debt collection. We are not just collectors; we are stewards of compliance, fostering a culture where ethics and legality intersect to create a trustworthy and responsible debt collection environment.

As 2023 fades away, we find ourselves reflecting on the passing season and anticipating the challenges a new year inevitably bring. However, for us at Jefferson Capital, year-end offers a chance to contemplate what 2024 may unfold. Today, Jefferson Capital Systems reviews what occurred in 2023 to help predict what is to come in 2024.

Taking inspiration from Gandhi’s timeless wisdom that the future hinges on our present actions, year-end becomes a crucial reminder for the Jefferson Capital team to prepare for the new year.

INDUSTRY BENCHMARKS: BANKRUPTCY FILINGS AND CAPITAL MARKETS

Before we forge ahead, it’s essential to assess our current position. In our industry, monitoring bankruptcy filings and capital markets serves as vital economic indicators for the consumer receivables landscape.

Bankruptcy Filings Show an Escalation: The earlier stages of the COVID-19 pandemic witnessed a significant decline in bankruptcy filings, primarily due to government assistance programs and relief measures. However, recent data reveals a shift. As of March 31, 2023, new filings over the preceding 12 months reached 403,273, indicating an increase. With the pandemic’s passing and the conclusion of stimulus measures and collection moratoriums, Jefferson Capital has been actively addressing the surge in bankruptcy volumes alongside our partners.

Capital Faces Constraints: Another critical metric in our industry is the state of capital markets. After the initial volatility in early 2020, Central Bank interventions stabilized markets, resulting in historically low rates. However, with economic recovery and inflation concerns, interest rates have risen, reaching the highest levels in over 15-years. This shift has increased costs for businesses, challenging credit grantors and causing funding issues for some debt buyers.

LOOKING FORWARD

What lies ahead for Jefferson Capital in 2024? Increased bankruptcy filings and heightened capital constraints and costs are just a couple of industry trends we are closely monitoring. Additionally, declining auto finance asset values and approaching record levels of consumer credit card debt suggest a sustained surge in charged-off receivables.

Drawing from our two decades in the industry, these trends indicate that the demand for charged-off receivables will persist. In 2023, we witnessed record portfolio purchases month after month.

Peter Drucker’s insight, “the best way to predict the future is to create it,” has been our guiding principle. Our strategic moves in 2023 to expand our credit facility positioned us well, providing access to secure capital at reasonable rates and contributing to our success in 2023 amid industry challenges.

At Jefferson Capital, we remain committed to our founding bedrock principles of listening, identifying solutions, and \”doing the right thing.\” It’s why each year, it was able to help hundreds of thousands of its account holders find workable solutions to resolve their accounts and move forward with their lives. As part of those principles, Jefferson Capital Systems, LLC always wants to connect with consumers who may be facing financial difficulties and looking to resolve debt related responsibilities. Whether you’re new to the industry or a seasoned participant, we invite you to connect and explore how our capital resources and unique recovery solutions can pave the way for successful futures.

Onward and upward into the future!

Change is an inexorable force propelling progress, and for Jefferson Capital, the winds of change have ushered in a new era as we bid farewell to our cherished headquarters building and embark on a transformative journey to our new location. Jefferson Capital Systems reviews show this strategic move marks a pivotal milestone in our company’s history, symbolizing growth, innovation, and adaptability. However, before we turn our gaze forward, it is imperative to reflect on the past, for the place we leave behind holds the narrative of how Jefferson Capital evolved into the entity it is today.

BUILDING 5 AT 16 MCLELAND ROAD

While many old buildings retain a unique charm and significance, “Building 5” at 16 McLeland Road in St. Cloud, Minnesota, stands out not for its architectural splendor but for the role it played in shaping the character and values of Jefferson Capital. A converted Fingerhut warehouse from the 1960s, still adorned with early-1980s décor, it may not win design awards, but its significance is profound. Building 5 was one of numerous warehouses erected during the pioneer days of mail-order catalog shopping, witnessing the heyday of massive mail and phone orders, bustling holidays, and a workforce dedicated to assisting consumers. It is a repository of stories.

OUR PEOPLE & RESILIENCE

For over 20 years, many of our associates worked in Building 5. Despite its aging appearance, birds in the air vents and lack of design foresight for a rapidly growing business, the converted warehouse fostered a unique workplace environment. Its large open footprint encouraged collaboration across diverse departments, especially during busy holidays when associates, regardless of their role, lent a hand to one another. Potluck meals in the lunchroom became a tradition, embodying the spirit of camaraderie. The smiles and stories from this aging converted warehouse contributed to the character and resilience ingrained in both our associates and our business, shaping Jefferson Capital into what it is today.

THE EXCITEMENT OF RELOCATION

The decision to relocate was deliberate, with months of careful planning and consideration invested in selecting a space aligning with Jefferson Capital’s future vision. Our new office boasts modern facilities, new desks and monitors, updated architecture, LED lighting, enhanced HVAC systems and natural lighting. It is an environment crafted to promote collaboration and productivity. Beyond the physical advantages, the move injects fresh energy into our workplace, fostering excitement among associates. Just as they worked seamlessly together in Building 5, our associates dedicated themselves to ensuring a smooth transition to the new location, showcasing the camaraderie that distinguishes Jefferson Capital in the industry.

Our new facility in Sartell, Minnesota, a few miles from 16 McLeland Road, may not evoke daily reminders of our origins, but it accelerates our tradition of working together to do the right thing. Grateful for the two-plus decades spent at Building 5, we carry its character and authenticity forward, confident that these qualities will endure at our new home, along with the memories of Building 5.

Jefferson Capital, renowned for its extensive credit and collections proficiency spanning over two decades, recently had the privilege of sharing its wealth of knowledge with members of the Northeastern Utilities Credit and Collections (NEUCC) organization. Bob Maisel, a key figure at Jefferson Capital, took the lead in presenting at the NEUCC’s annual conference held in Atlantic City. During this event, he engaged with leaders in the utilities industry, delving into discussions about their debt management challenges and potential solutions.

Centered around Jefferson Capital’s nearly decade-long partnerships with some of America’s foremost utilities, Maisel’s presentation highlighted the significant advantages that outsourcing bankruptcy servicing can offer to utilities and other credit grantors. He elucidated how this approach effectively eliminates the burden of high fixed costs and the maintenance of internal systems. Additionally, Maisel emphasized how outsourcing mitigates the expenses associated with training and overseeing employees tasked with filing claims, addressing incoming court and trustee communications, managing consumer inquiries, and handling payments and reporting. For those who may have missed the NEUCC Annual Conference, Jefferson Capital extends an invitation to access a copy of Jefferson System Capital reviews of the presentation and engage in discussions about how it can support your organization. Reach out to Bob at Bob.Maisel@JCAP.com for further information.

Given Jefferson Capital’s impressive track record spanning more than two decades, the company stands as the ideal partner for fulfilling the bankruptcy servicing needs of leading utilities and other creditors. Jefferson Capital Systems, LLC was founded on the bedrock principles of listening, identifying solutions, and \”doing the right thing.\” It’s why each year, it is able to help hundreds of thousands of its account holders find workable solutions to resolve their accounts and move forward with their lives.

As part of those principles, Jefferson Capital Systems, LLC always wants to connect with consumers who may be facing financial difficulties and looking to resolve debt-related responsibilities.

Expressing gratitude to all participants who joined at NEUCC, a special acknowledgment is extended to Bob Maisel for his outstanding engagement with conference participants. Jefferson Capital looks forward to ongoing collaborations and remains dedicated to advancing enhanced debt management strategies within the utilities industry.