Who they are: Jefferson Capital often goes after subprime credit cards and even utility and cell phone bills. 

How we beat them: Because they are buying lower-tier debt, the documentation is often terrible. They try to push these cases through the local courts hoping the judge will just hand them a default judgment. I know the local collection lawyers they hire, and I know the local judges. I step in, block their default judgment, and force them to prove a case they usually cannot prove. 

 When they can't provide the evidence, we win, and you owe them zero.