How to Beat Javitch Block in a Debt Lawsuit

George Simons

August 17, 2020

If you are the swimmer, and Javitch Block is the gator, then SoloSuit is the Elbow-Drop Guy.

Summary: Sued for a debt by Javitch Block? This guide is for you. Use SoloSuit to respond in 15 minutes.

If you've fallen behind on your financial obligations (examples: credit card payments, student loan payments, mortgage payments, etc.), there is a high probability that one or more creditors will turn your delinquent account, or accounts, over to a debt collection company like Javitch Block. There is also the scenario where you are contacted by Javitch Block and are being pursued for an alleged debt that you do not actually owe. Unfortunately, it is quite common for debt collection companies to sue the wrong person on a delinquent account. This is because some accounts are packaged, sold and resold to the point where basic account information gets lost or mixed up.

Who is Javitch Block and Why are They Suing Me?

If you were contacted by Javitch Block, or were served with a collection lawsuit by a representative with Javitch Block, you may be asking yourself, “Who is Javitch Block? I never purchased an item from them and do not have an account with them.”

It is quite common for a consumer not to recognize the name of a debt collector since the debt collector likely purchased an account from a third party creditor like a bank or other financial institution.

Javitch Block LLC is not your typical debt collection company. They are actually a law firm based in Ohio. The firm exclusively practices third-party debt collection on behalf of various creditors. They've structured their legal practice with two primary divisions. One division oversees debt collections while the other division oversees subrogation cases. Subrogation is basically insurance recovery.

Regarding its debt collection practice, Javitch Block states on their website that they handle an array of different types of debts, including delinquent credit card accounts, delinquent installment loans, delinquent student loans, and so forth.

Javitch Block files hundreds of lawsuits against consumers each year. They are able to handle a high volume of lawsuits because the firm is comprised of attorneys who represent creditors in court.

Numerous Consumer Complaints Filed Against Javitch Block

Despite being a law firm comprised of attorneys who are bound by a Code of Ethics, Javitch Block has become notorious for harassing consumers and engaging in inappropriate and unethical collection efforts. In fact, the firm has received numerous complaints from consumers who allege that Javitch Block violated the Fair Debt Collection Practices Act. Consumers highlighted improper contacts, including phone calls early in the morning and late in the evening. Consumers also reported flagrant privacy violations where Javitch Block inappropriately shared personal information of account holders. In addition, consumers alleged that attorneys with Javitch Block made false or misleading statements when attempting to collect on debts.

The Better Business Bureau investigated 11 complaints against Javitch Block over the past three years. Additionally, the Consumer Financial Protection Bureau investigated 21 separate complaints filed against Javitch Block.

You Have Legal Rights and Protections When Contacted by a Debt Collector

Being contacted by a debt collector like Javitch Block can be stressful and intimidating. The unfortunate reality is that many debt collectors want you to feel this way and will persistently contact you to the point of harassment. Please take note that you do not have to put up with this harassment. You have legal rights and protections under the Fair Debt Collection Practices Act (FDCPA). The FDCPA is a federal law that established limitations on how debt collection agencies can contact consumers and how they can treat consumers. The FDCPA established that debt collectors may not engage in the following actions and collection efforts:

  • Calling you prior to 8:00 a.m. and/or after 9:00 p.m. in your time zone.
  • Calling you at work.
  • Calling and refusing to leave a voice message.
  • Presenting themselves as anything but a debt collector trying to collect a debt
  • Swearing, yelling, or levying threats against you.

In addition to the FDCPA, you also have legal protections under the Fair Credit Reporting Act (FCRA). The FCRA is a federal law that created a set of regulations governing how collection agencies and creditors report delinquent debts to credit reporting agencies lik Equifax, TransUnion, and Experian. Other important consumer protection statutes passed by Congress include the Telephone Consumer Protection Act and the Consumer Financial Protection Act.

How to Prevail Over Javitch Block in a Debt Collection Lawsuit

A debt collection lawsuit is initiated when a debt collector like Javitch Block files a Complaint alleging that you owe a specific amount of money. When you receive the Complaint, you are presented with the opportunity to file an “Answer” where you can refute the allegations in the Complaint, along with highlighting some of the glaring deficiencies in the lawsuit. Keep in mind, when you are sued by a debt collection company, they have the legal burden of establishing that you are in fact responsible for the debt purportedly owed. As a result, you should demand that Javitch Block produce evidence (e.g., documents) that show the following:

  1. You are the person in fact responsible for repaying the alleged debt;
  2. Javitch Block possesses the legal right to sue you for this debt; and
  3. You owe the specific amount listed in the Complaint

Requesting the debt collector to produce evidence to establish these basic facts is important because it is fairly common for debt collectors to sue the wrong person.

SoloSuit helps you make the right defense the right way.

Another affirmative defense that could enable you to prevail in the lawsuit is the expiration of the statute of limitations. Basically, the statute of limitations is a fancy legal term meaning the amount of time afforded to a plaintiff to file a lawsuit against a defendant. If the facts of your case indicate that Javitch Block filed their collection lawsuit after the expiration of the statute of limitations, you could file a motion to have the lawsuit dismissed. SoloSuit can help you navigate this process and in completing the necessary documents that should be filed with the court.

Need Help Responding to a Debt Collection Lawsuit? Use SoloSuit

SoloSuit helps explain and walk you through the complicated process of responding to a debt collection lawsuit, including lawsuits filed by Javitch Block. Here is how it typically works - you access SoloSuit, which is a dynamic, step-by-step web-app. When you are in the app, you will be asked specific questions. Once you answer these questions, you can either print the completed legal documents and mail the hard copies to the court or you can pay SoloSuit to file it for you and to have an experienced and knowledgeable attorney review the document.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James


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>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit: A Student Solution To Give Utah Debtors A Fighting Chance

If you need help in effectively responding to a debt collection lawsuit, including a lawsuit filed by Javitch Block, consider utilizing the services available through SoloSuit. What is SoloSuit? Take a moment to review these FAQs to learn more.

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Overview of What To Do If You are Sued by Javitch Block

Here is an overview of what you need to do if you are taken to court by Javitch Block:

  • Do not admit liability for the alleged debt since the burden is on the debt collector to establish that you in fact are responsible for the amount owed.
  • Be sure you file your Answer to the Complaint within the time period provided by the Court. For example, in many debt collection lawsuits, you usually have between 20 to 30 days to file your Answer.
  • In your Answer, make sure to raise any applicable affirmative defenses (e.g., the statute of limitations) and demand that the debt collection company prove that you are responsible for the specific amount owed. These are examples of the types of strategies you can use to defeat Javitch Block in court.

Best of Luck!

Additional Resources for Fighting a Debt Lawsuit

Tips on you can to file an FDCPA lawsuit against a debt collection agency

Advice on how to answer a summons for debt collection.

Effective strategies for how to get back on track after a debt lawsuit.

How to Answer a Summons for Debt Collection Guides for Other States

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All 50 states.