If Javitch Block LLC has been calling you repeatedly, sending letters, or threatening legal action, you may be wondering what your rights are. Collection calls can feel stressful, especially if they mention lawsuits or wage garnishment. The good news is that federal law protects consumers from abusive or deceptive collection practices.
Before reacting out of fear, it is important to understand who they are, why they may be contacting you, and what steps you can take to protect yourself.
Who Is Javitch Block LLC?
Javitch Block LLC is a Cleveland, Ohio based law firm that represents creditors in debt collection matters. According to publicly available information, the firm has been operating since 1991 and focuses on creditor representation and recovery of various types of consumer and commercial debt. They may collect on credit cards, installment loans, student loans, tax obligations, rental balances, and other accounts. In some cases, they may file lawsuits on behalf of creditors.
Their listed address is:
1100 Superior Ave E, Floor 19
Cleveland, OH 44114
Phone: (216) 623-0000
Is Javitch Block LLC a Scam?
Public records show that Javitch Block LLC is a legitimate operating law firm. However, like many debt collection firms, consumer complaints have been filed regarding communication practices. Complaints against debt collectors generally involve allegations such as repeated calls, aggressive tone, disputes over the amount owed, or credit reporting concerns. A legitimate company may still face allegations if consumers believe collection efforts crossed legal boundaries.
If you are unsure whether a call is genuine, you have the right to request written validation of the debt before making any payment. According to the Better Business Bureau website, Javitch Block, LLC has been in business since 1991. There have been 15 complaints closed in the last 3 years and 5 complaints closed out in the last 12 months.
Known Javitch Block Phone Numbers
Are you receiving any harassing phone calls from any of these numbers?
- (800) 837-0109
- (216) 623-0000
The list above is not all the numbers that Javitch Block, LLC uses. The calls can be from a different number and it will still be Javitch Block, LLC calling you. Contact our office right away so we can start the process to stop them from calling you illegally. Above all, no one should live with Javitch Block LLC Debt Collection Harassment!
Why Are They Calling Me?
Javitch Block LLC may be contacting you because:
- A creditor hired them to collect a past due account
- A debt buyer retained them after purchasing the account
- A lawsuit has been filed or is being considered
Under the Fair Debt Collection Practices Act, they must send written notice explaining the amount of the debt and the name of the original creditor. You have 30 days to dispute the debt in writing. If you dispute within that window, they must verify the debt before continuing collection efforts.
How Law Protects You?
Federal law protects consumers from abusive or unfair debt collection practices. You are not expected to tolerate harassment.
| Federal Law | What It Protects You From |
|---|---|
| Fair Debt Collection Practices Act | Harassment, threats, false statements, excessive calls |
| Telephone Consumer Protection Act | Unwanted robocalls or autodialed calls to cell phones |
| Fair Credit Reporting Act | Inaccurate or unfair credit reporting |
If these laws are violated, you may recover statutory damages. Under the FDCPA, damages may reach up to $1,000 plus attorney fees. Under the TCPA, damages may range from $500 to $1,500 per violating call.
How Many Calls Are Too Many?
Federal courts often look at call frequency and pattern. Calling more than seven times in seven days about the same debt may raise legal concerns. Multiple calls in a single day can also support a harassment claim depending on the circumstances. Documentation is important. Keep a simple log with dates and times.
How to Stop the Calls From Javitch Block Debt Collection Agency?
If Javitch Block LLC is calling repeatedly, you do not need to panic. Take calm, structured action.
Step 1: Do Not Admit the Debt Immediately
When you answer the phone, avoid confirming details or agreeing to payment before verifying the account. You have the right to request written proof.
Step 2: Request Debt Validation in Writing
Within 30 days of first contact, send a written debt validation request. This forces the collector to provide proof of the amount owed and the original creditor. Until verification is provided, collection activity must pause.
Step 3: Send a Cease and Desist Letter
If the calls feel excessive or intimidating, send a written cease communication letter by certified mail. After receiving it, they may only contact you to confirm specific legal action.
Step 4: Document Every Call
Keep a simple log with dates, times, phone numbers, and what was said. If calls are frequent or aggressive, documentation strengthens your position.
Step 5: Speak With a Consumer Protection Attorney
If calls continue after written notice, or if you suspect violations of federal law, consult a consumer rights attorney. Under federal statutes, you may not pay attorney fees if a violation is proven. Taking these steps puts control back in your hands.
Can Javitch Block LLC Sue You or Collect Debt?
Yes, they may file a lawsuit if the debt is within the statute of limitations and they have legal standing. If you receive a summons, respond promptly to avoid a default judgment. A court judgment may allow wage garnishment or property seizure depending on your state laws, but debt collectors cannot take money or arrest you without court approval. An attorney can help determine if the debt is valid, too old, or properly documented.
Removing Them From Your Credit Report: What You Can Do
If Javitch Block LLC appears on your credit report, it does not automatically mean the reporting is permanent or correct. First, request a free copy of your credit report from Experian, TransUnion, and Equifax. Review the account carefully. Check the balance, account dates, and creditor information. If you find inaccuracies, submit a formal dispute directly with the credit bureau reporting the account. Disputes can be filed online or by certified mail. Include supporting documents such as payment records or identity verification.
Under the Fair Credit Reporting Act, the credit bureau must investigate, usually within 30 days. If the furnisher cannot verify the information, it must be corrected or removed. If the account is accurate but still causing damage, you may explore settlement negotiations in exchange for credit reporting updates. Always obtain any agreement in writing before making payment. If inaccurate reporting continues after disputes, you may have additional legal rights.
Settling a Debt Lawsuit with Javitch Block LLC
If Javitch Block LLC has filed a lawsuit against you, it is extremely important not to ignore it. A collection lawsuit does not go away on its own. If you fail to respond within the deadline listed on the summons, the court may enter a default judgment against you.
A default judgment could allow the creditor to pursue wage garnishment, bank levies, or property liens depending on your state laws.
Step 1: File a Formal Answer
After being served, you typically have a limited number of days to file a written Answer with the court. Filing an Answer prevents automatic judgment and preserves your legal defenses.
Possible defenses may include:
- The debt is outside the statute of limitations
- The amount claimed is inaccurate
- The collector lacks proper documentation
- You are not the correct debtor
Even if you believe you owe the debt, filing a response gives you leverage.
Step 2: Evaluate Settlement Options
Many debt collection lawsuits are resolved through negotiation. A settlement may reduce the total balance owed or allow structured payments that are manageable for your financial situation. Any settlement agreement should be in writing before payment is made.
Step 3: Consider Legal Representation
A debt collection defense attorney can:
- Review the lawsuit for procedural errors
- Raise valid legal defenses
- Negotiate settlement terms
- Represent you in court if necessary
- Evaluate potential counterclaims under federal law
If collection conduct violated the Fair Debt Collection Practices Act or the Telephone Consumer Protection Act, you may have grounds to seek statutory damages while defending the lawsuit.
Why Acting Quickly Matters
Acting quickly when you receive court papers is critical. Addressing the matter early can help you avoid wage garnishment, prevent frozen bank accounts, reduce financial exposure, and protect your credit profile. Ignoring a lawsuit removes your ability to negotiate or defend yourself, which can lead to a default judgment and further complications. Consulting with a consumer protection attorney as soon as possible allows you to understand your rights, evaluate the validity of the debt, and take the necessary steps to protect your financial and legal interests.
Javitch Debt Collector Agency Complaints
The following is a sample list of complaints filed against Javitch and can be found on Pacer.gov. They are included for informational purposes only. A listed case does not mean liability was proven. Court filings may involve disputes over debt validity, procedure, or alleged consumer protection violations. These examples simply show that legal disputes involving debt collection sometimes occur and that consumers have the right to challenge collection activity in court.
- 📋 1:19-cv-02469-SEB-MPB TAIT v.
- 📋 1:19-cv-00037-RP Krickbaum v.
- 📋 2:18-cv-00320-MJD-RLM GIBSON ET AL v.
- 📋 1:18-cv-00830-JG Wiley v.
- 📋 2:17-cv-00722-MHW-KAJ Word v.
How Our Attorneys Can Help You?
Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing Javitch Block LLC debt collection harassment from debt collectors in any form, including telephone communication, and defending against debt collection lawsuits. The firm also offers debt relief services to help clients manage their financial struggles. Rather than suffer alone, contact our office to begin the process to stop the Javitch Block LLC phone harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent Javitch Block LLC debt collection harassment, call us at 877-700-5790
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FAQs
Is Javith a scam?
No, Javitch has been in business since 1991.
Can Javitch seize my property?
Javitch can’t seize your property, but there are some exceptions. If the debt was tied to the property, the collector may be able to repossess it. Or, if the collector has sued and obtain a judgment against you, the debt collector may be able to take certain property as permitted by the court.
Can Javitch sue me?
Yes, Javitch can sue you so long as the debt is within the statute of limitations. This would involve filing a debt collection lawsuit against you. It is important to understand your legal rights and the steps you can take after receiving a lawsuit notice, such as filing a formal Answer to avoid default judgment.
Can Javitch report my debt to the collections bureaus?
Yes, debt collectors are allowed to place the collection account on your credit report. They report delinquent debts to credit reporting agencies, which can impact your credit score. You have the right to dispute inaccuracies with these agencies under the Fair Credit Reporting Act.
Can Javitch arrest me?
Debt collectors don’t have the authority to have you arrested for a debt. However, if you violate a court order, e.g. an order to appear in court, the judge can issue a warrant for your arrest. Depending on the laws in your state, you may be arrested for certain debts like unpaid child support or traffic tickets.
Who is Javitch Block, LLC and why are they calling me?
Javitch Block, LLC is a debt-collection law firm. They contact consumers to collect overdue debts on behalf of creditors or debt purchasers.
Can Javitch Block, LLC legally harass me with repeated phone calls?
No. Under the FDCPA and TCPA, debt collectors may not call excessively, at inconvenient hours, or use threats, profane language, or intimidation tactics.
How many calls from Javitch Block is considered harassment?
If they call more than 7 times in a 7-day period or repeatedly in a day, it’s likely harassment under federal law.
Can I request Javitch Block, LLC to stop calling me?
Yes—send a written cease-and-desist letter. They must stop further contact except to notify you of specific legal actions.
What should I do if Javitch Block keeps calling me after I asked them to stop?
Document each call (time, date, phone number, content), then file complaints with the CFPB, FTC, and state attorney general; consider legal action under FDCPA.
Can I sue Javitch Block, LLC for harassment?
Yes. If they’ve violated FDCPA or TCPA rules like using abusive language or repeated unwanted calls then you may sue and recover statutory damages up to $1,000.
