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Case5:14-cv-02728-HRL Document1-2 Filed06/12/14 Page1 of 5

EFFERON

i-McLeland Road, Saint Cloud, MN :-a


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Dear Carlos Camacho,
Jefferson Capital Systems, LLC is the servicer of your
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account We have assigned the following JCS reference number to
your account: t:sasPlease refrence that number when calling i n and or making payment.
Please consider these opportunities to satisf this balance.
OPPORTUNITY #I - 40% Discount*
Pay this account with a lump sum payment esi,it.IO which is a axdiscount off the amount due. This arrangement will
settle the account with Jeferson Capital.
OPPORTUNITY #2 - 30% Discount*
Pay three payments of s:iatper month and settle the account fr si,:a
OPPORTUNITY #3 - Monthly Payments*
Jefferson Capital will also accept payments of sisttia month over the next twelve months. These payments will apply
towards the amount due of$2, is-s
This offer expires on aiiti
*We are not obligated to renew this offer.
Sincerely.
fue1 6,.,(./c.htA., C
Jeferson Capital Systems, LLC
111e law limits how long you can be sued on a debt. Because of the age of your debt, we (Jeferson Capital Systems) will not sue you for it. lf you do not
pay the debt, we may repor or continue to rport it to the credit reporting agencies as unpaid fr as long a the law permits this reporting.
Regardless, Jeferson Capital Systems will NOT bring any kind of legal proceeding against you, such as a lawsuit or arbitrtion, to collect on the debt;
further, if you make a payment on this debt it will not be demed by us to revive, toll, or restar the statute of limittions on d1is debt.

we tansfer this
debt to a new owner or assig any rights related to this debt, the new owner, successor, or assign will be ruired in writing to these same conditions.
THIS COMMUNICATION IS FROM A DEBT COLLECTOR AND IS AN A T EMPT TO COLLECT A DEBT.
ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
SEE REVERSE SIDE FOR IMPORTANT INFORMATION
REGARDING YOUR RIGHTS UNDER LOCAL, STATE AND FEDERAL LAW
7 PLEAE Uc TACH TE LOWER POlON AND kE (URN YOUR PAYrENr IN iE ENVELOP< PROV/OW T
PO BOX isa
FORT MILL SC ti-isa
Perso1a/ & Co1fidential
9'''W"M' '''
97 138 00028025
340710
D Change of Address? Please update on reverse side.
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CARLOS CAMACHO
taaiMANHATTAN AVE APT iii
EAST PALO AL TO CA att

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ON6070 P 340710 00028025


.....
Pleae include your JCS Reference Number t:sa

on the check
or money order payable to: Jeferson Capital
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Jefferson Capital Systems, LLC
PO Box :is:
St. Louis, MO -i:is:
EXHIBIT
2
Case5:14-cv-02728-HRL Document1-2 Filed06/12/14 Page2 of 5
'otice of Important Information: Consumers have rights under fderal, state, and local laws including, but not limited to those 1ights listed below:
sking Us to Cease Communication: You have the right to ak us to stop communicating with you about this debt. To do so. please write to us at 16
\lcLeland Road Dept. C Saint Cloud, MN 56303. Afer you notif us, we will stop communication with you, except: (I) to advise you that we intend to
iursue specific remedies pem1itted by law; or (2) to advise you that our efors are being tenninated.
:om plaints: If you have a complaint about the way we are collecting this debt, please write to us at 16 Mcleland Road Dept. C Saint Cloud, MN 56303
Jr call us toll-fe at 1-888-718-0048 between 9AM and 5PM Centl Time, Monday through Friday.
fEFFERSON CAPITAL COMPLIES WITH A FEDERAL LAW CALLED THE FAIR DEBT COLLECTION PRACTICES
<CT ("FDCPA") THAT PROVIDES CONSUMERS WITH CERTAIN RIGHTS. T FEDERAL FAIR DEBT
:OLLECTION PRACTICES ACT (ENFORCED BY THE FEDERAL TRADE COMMISSION) AD THE CALIFORNIA
ST A TE ROSENTHAL FAIR DEBT COLLECTION PRACTICES ACT REQUIRE THAT, EXCEPT UNDER UNUSUAL
:IRCUMST ANCES, COLLECTORS MAY NOT CONTACT YOU BEFORE 8:00 A.M. OR AFTER 9:00 P.M. THEY
VA Y NOT HARASS YOU BY USING THRATS OF VIOLENCE OR ARREST OR BY USING OBSCENE
:.ANGUAGE. COLLECTORS MY NOT USE FALSE OK MISLEADING STATEMENTS OR CALL YOU A WORK
:F THEY KNOW OR HA V REASON TO KNOW THAT YOU MAY NOT RECEIVE PERSONAL CALLS AT WORK.
:OR THE MOST PART, COLLECTORS MAY NOT TELL ANOTHER PERSON, OTHER THAN YOUR ATfORNEY
)R SPOUSE ABOUT YOUR DEBT. COLLECTORS MAY CONTACT ANOTHER PERSON TO CONFIRM YOUR
',OCATION OR ENFORCE A JUDGMENT. FOR MORE INFORMA Tl ON ABOUT DEBT COLLECTION ACTIVITIES
)R TO CONTACT THE FTC ABOUT TH WAY W A COLLECTING THIS DEBT, PLEASE CONTACT TH FTC
)N LINE AT ww.fc.gov OR WRITE THE FTC AT FEDERAL TRADE COMMISSION, CONSUMER RESPONSE
:ENTER, 600 PENNSYLVANIA A VE., N.W. WASHINGTON DC. 20580. YOU MAY ALSO CONTACT THE
:EDERAL TRADE COMMISSION AT 1-877-FTC-HLP.
Account Number
Address
City
Home Phone Business Phone
) )
Email Address
State
Apt#
Zip
Other Phone
)
ON6070_P 340710 00028025 JeffersonCapitaLWFD
Case5:14-cv-02728-HRL Document1-2 Filed06/12/14 Page3 of 5
Jeferson Capital Systems, LLC Privacy Policy RevDec2012
We recognize our obligation to keep information about you secure and confdential. The Jeferson Capital Privacy Policy
Covers the collection, use, and disclosure of personal information that may be collected by Jeferson Capital. Please take a
moment to read the fllowing to learn more about how infrmation is gathered and to whom we disclose the infrmation, and
how we safguard your personal infrmation.
PRIVACY NOTICE
We, Jefferson Capital Systems, LLC, provide this notice to you as required by Federal law. We may collect nonpublic
personal infrmation about you as permitted by law fom:
Your transactions with us;
Prior owners of your account;
Consumer reporting agencies;
Applications or other frms that you provide to us.
We may disclose nonpublic personal information about you to the extent that it is: (a) specifically directed by you; (b)
permitted by the Gramm-Leach-Blilcy Act (such as to service and maintain your account); and (c) not prohibited by other
applicable law, including, but not limited to, the Fair Debt Collection Practices Act.
We restrict access to nonpublic personal inf1mation about you to employees who need to know that infrmation to provide
services to you. We maintain physical, electronic and procedural safguards that comply with fderal laws to guard your
nonpublic personal infrmation.
THIS COMMUNICATION IS FROM A DEBT COLLECTOR.
SEE REVERSE SIDE FOR IMPORTANT INFOR'ATION
BF-GLB_lO_A
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Case5:14-cv-02728-HRL Document1-2 Filed06/12/14 Page4 of 5
Jeferson Capital Systems, LLC Privacy Policy
NOTICE OF IMPORTANT INFORMATION:
ADDITIONAL INFORMATION FOR MINNESOTA RESIDENTS
THIS COLLECTION AGENCY IS LICENSED BY THE MINNESOTA DEPARTMENT OF COMMERCE.
ADDITIONAL INFORMATION FOR NORTH CAROLINA RESIDENTS
NORTH CAROLINA DEPARTMENT OF ISURANCE PERMIT NUMBER: 103490
ADDITIONAL INFORMATION FOR NEW YORK CITY RESIDENTS
NEW YORK CITY DEPARTMENT OF CONSUMER AFFAIRS LICENSE NUMBER: 1368090
RevDec2012
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PO BOX 1803
FORT MILL SC 29716-1803
Personal & Confidential
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138 000280.
340710
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CARLOS CAMACHO
2001 MANHATTAN AVE APT 11 I
EAST PALO AL TO CA 94303-2237
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