How to Settle a Javitch Block Debt Lawsuit and Protect Your Rights

Javitch Block is suing you for a debt. You need to act fast to protect yourself.

Debt collectors like Javitch Block file hundreds of lawsuits every year. Some people don’t even owe the debt they’re being sued for. Accounts get sold and resold until information becomes mixed up.

The good news? You can settle with Javitch Block outside of court. You can also fight back if they’re suing the wrong person.

Who Is Javitch Block and Why Are They Suing You?

Javitch Block LLC is a debt collection law firm based in Ohio. They don’t own your debt. They represent creditors and debt buyers who purchase delinquent accounts.

You probably don’t recognize their name because you never did business with them. They bought your account from a bank or credit card company.

The firm operates two divisions. One handles debt collection lawsuits. The other manages subrogation cases for insurance recovery.

Javitch Block collects on various debt types:

• Credit card accounts
• Installment loans
• Student loans
• Medical bills

Being a law firm gives them an advantage. They have attorneys ready to take you to court immediately.

Three Steps to Settle Your Javitch Block Lawsuit

You can negotiate a settlement even after being sued. Follow these three critical steps to resolve your case.

Step One: File an Answer to Prevent Default Judgment

Filing an Answer is your most important defense. Without it, Javitch Block wins automatically through default judgment.

Your Answer forces them to prove their case. They must show:

• You actually owe the debt
• They have legal standing to sue you
• The amount claimed is accurate

Many debt collectors sue the wrong person. Others can’t prove they own the debt. Some file lawsuits after the statute of limitations expires.

Include these defenses in your Answer. Demand proof of every claim they make against you.

Our partner Solo helps you respond to debt lawsuits with a proper Answer document.

The statute of limitations varies by state. If Javitch Block filed too late, you can get the case dismissed.

Submit your Answer before the deadline. Most courts give you 20 to 30 days from when you were served.

Step Two: Make a Settlement Offer

Contact Javitch Block after filing your Answer. You can call, email, or send a letter.

Start your offer below 50% of the total debt amount. Going too low (10-20%) won’t be taken seriously.

Settlement amounts typically range from 40% to 60%. Some factors affect how much they’ll accept:

• Whether you actually owe the debt
• If a debt buyer purchased the account
• How old the debt is
• The total amount owed
• Your current income and expenses

Expect Javitch Block to counteroffer. They act as the middleman between you and the original creditor.

Negotiate until you reach an amount you can afford. Stay firm but reasonable during discussions.

Step Three: Get Your Settlement Agreement in Writing

Never accept a verbal settlement agreement. You need everything documented and filed with the court.

Javitch Block should draft the settlement agreement. Review it carefully before signing anything.

Your agreement must include:

• Original creditor and collection agency names
• Agreement date and your account number
• Final settlement amount
• Payment schedule with specific dates
• Statement that the lawsuit will be dismissed
• Confirmation the debt shows as settled on credit reports

Keep copies of all signed documents. You’ll need proof if anyone contacts you about this debt later.

Our partner Solo can help you negotiate settlements and review agreements before you sign.

Read Javitch Block Reviews Before You Respond

Hundreds of consumers have filed complaints against Javitch Block. Check the Better Business Bureau and Consumer Financial Protection Bureau for details.

Common complaints include:

• Calls before 8 AM or after 9 PM
• Repeated calls to workplaces
• Sharing personal information inappropriately
• Making false or misleading statements
• Threatening illegal actions

These reviews reveal their collection tactics. Understanding their methods helps you prepare your defense.

Many consumers report aggressive and harassing behavior. You don’t have to tolerate these tactics.

Your Legal Rights Under Federal Law

The Fair Debt Collection Practices Act (FDCPA) protects you from harassment. Debt collectors must follow strict rules when contacting you.

Javitch Block cannot:

• Call before 8 AM or after 9 PM
• Contact you at work after you tell them to stop
• Refuse to identify themselves as debt collectors
• Use profanity or threats
• Discuss your debt with third parties

The Fair Credit Reporting Act (FCRA) governs how they report debts. They must report accurate information to credit bureaus.

The Telephone Consumer Protection Act limits how often they can call. The Consumer Financial Protection Act gives you additional protections.

You can sue debt collectors who violate these laws. You may recover damages plus attorney fees.

Document every interaction with Javitch Block. Save voicemails, letters, and note the date and time of calls.

What Happens If You Ignore the Lawsuit?

Ignoring a lawsuit leads to default judgment. The court sides with Javitch Block automatically.

After winning, they can:

• Garnish your wages
• Freeze your bank accounts
• Place liens on your property

Default judgments stay on your credit report for seven years. They severely damage your credit score.

Responding gives you negotiating power. Filing an Answer forces them to prove their case.

Many debt lawsuits get dismissed because collectors can’t provide proper documentation. You won’t know unless you fight back.

Summary of Your Action Plan

Here’s what to do if Javitch Block sues you:

• File an Answer within the court deadline
• Demand proof that you owe the debt
• Raise statute of limitations as a defense if applicable
• Make a settlement offer below 50% of the debt
• Negotiate until you reach an affordable amount
• Get the final agreement in writing
• Ensure the agreement gets filed with the court

Never admit you owe the debt. Make Javitch Block prove every element of their case.

Act quickly but don’t panic. You have options and rights under federal law.