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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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 JB’s annual revenue at $58.2 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.”
JB’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.
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.
Javitch Block, LLC
1100 Superior Avenue, 19th Floor
Cleveland, OH 44114-2531
Telephone: (800) 837-0109
It is illegal for a debt collector to threaten 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!
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Absolutely. Here are some Sample Cases against Javitch Block
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.
Understanding Your Debt Collection Rights
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The 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). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals 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.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency.
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are receiving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
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