Javitch Block LLC or JB is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
What is Javitch Block?
Javitch Block , LLC or JB is an Ohio-based law firm that specializes in third-party debt collection. JB has received complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including improper contact or sharing of information and using false or misleading language in an effort to collect a debt. If you have been contacted by JB, make sure you understand your rights before responding.
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Is Javitch Block a scam?
They’re legit. According to the BBB, Javitch Block, LLC is a legitimate collection agency, started in 1991 and incorporated in 1996. The BBB established a profile page for JB in 1994. JB is listed as a collection agency and a law firm. Buzzfile estimates Javitch Block’s annual revenue at $64.3 million and the size of its headquarters staff at 220 employees, with an estimated 329 people at all locations.
According to its website, Javitch Block is “a law firm concentrating in the area of creditor representation.” JB’s “primary representation is in collections and insurance subrogation.” JB’s mission is “to develop and maintain a personal working relationship with every client and to provide excellence in the quality of their work, responsiveness to the needs of their clients, and quality services at reasonable fees.”
Who does Javitch Block collect for?
Javitch Block’s practice consists of two main divisions—a collections practice and a subrogation practice. Their collections practice “includes recovery of all types of debts, including credit card, installment loans, taxes, student loans, rent, commercial accounts receivable, and purchased debt.” Their subrogation practice “includes recovery of insured and uninsured, auto and property claims, in all amounts.”
Javitch Block is also a law firm and employs a staff of attorneys to “represent creditors in bankruptcy matters, eviction matters, foreclosure of real estate, replev in of personal property, litigation of contract disputes, and defense against consumer lawsuits.” JB’s website is client-facing and does not provide any links or references to consumer protection resources, laws, or enforcement agencies.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
How many complaints are there against Javitch Block?
The BBB has closed 11 complaints against Javitch Block in the preceding three years, with 6 complaints closed in the past 12 months. Most of those complaints allege problems with billing and collection services.As of March 2015, the Consumer Financial Protection Bureau (CFPB) has closed 21 complaints against JB. Justia lists at least 5 cases of civil litigation involving Javitch Block.
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely JB would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
In 2019, a consumer filed a lawsuit against Javitch Block claiming they were attempting to illegally collect on a discharged student loan debt. The suit stated the loan was discharged by a court order in March 2016 but the defendants continued to seek collection. The plaintiff alleged Javitch contacted his Kentucky employer in 2017 and threatened legal action unless the employer garnished his wages, and the plaintiff submitted information that no amount was owed to his employer.
Complaints against Javitch Block commonly cite problems resulting from disputes about accounting. In December 2017, a complainant indicated she had contacted JB several times to request a statement of her payments and balance due, indicating that it is standard practice for businesses to send billing statements. Allegedly, JB had sent the complainant no statements throughout the time they had been servicing her account. She alleged that when she made contact with a Javitch Block representative by phone, she was told, “it’s not our responsibility to keep up with… your bills,” and said that they “don’t have a provision to send bills to clients.” The complainant indicated her belief that JB’s policy infringed on her legal right to be informed about the status of the account they accepted the responsibility of maintaining and stated that she has the right to be informed about “how much interest… she is being charged or even the principal amount due.” At the time of the complaint, she had spoken with them over a month previously, and the Javitch Block representative allegedly “gave…her issues throughout the phone call, with horrendous customer service.” When she was connected with a manager, the manager allegedly “never apologized for the actions of his employees, …but was simply trying to shut…her up and get… her off the phone.” The manager allegedly promised to mail a statement, but at the time of the complaint she had not received anything. The complainant indicated that this behavior pattern had been repeated several times. The complainant concluded by stating that in the nine months she had been making payments, she had received only 3 statements, and that during that time, there were some months when no withdrawals took place.
In response, Javitch Block indicated the complainant could call their office to request the information, apologized, and said that a statement had been mailed earlier in December. The complainant rejected the response as an inadequate resolution; indicated she had requested a statement several weeks prior; and that at the time they had said they would be sending the statement the same day. In addition, although Javitch Block’s response indicated that the complainant was told she could call anytime for a balance statement, representatives replied to her calls by stating that “Javitch Block does not have the provision to send statements.” JB’s rebuttal to her response indicated that they had spoken directly with the complainant to resolve the conflict and confirmed that they had sent her a statement. The complainant replied by indicating that although Javitch Block’s response was an acceptable resolution, she still had not received the documentation they had promised.
Javitch Block Calling You?
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Can I sue JB for harassment?
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Want to Stop Javitch Block Debt Collection Harassment Now?
“As we discussed on the phone earlier today, this settlement is perfectly okay to me. I need to thank you and all of your cohorts at Lemberg Law to get a project handled so professionally. Please allow Amy, the first person who contacted me from Lemberg, know how much I appreciate her efforts, kindness, and professionalism.”
“My mom and I want to say thanks to the team of Lemberg Law for all the hard work and effort that was taken to take care of the debt collector and the Fair Debt Collection Practices Act. Because of this, the phones do not ring off the hook .”
“We realize that ours is only one little case among many — and a lot more serious — but are heartened by the fact that you accepted it represented us with a professionalism that belied the dollar amount.”
“I just wanted to let you know we received the check from your office on now and I wanted to take some time to inform you that we really appreciate all of your efforts in this matter.”
Can You Help Me Delete Javitch Block from My Credit Report?
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.