Javitch Block: Who They Are and Your Rights

Type

Collection law firm

Also known as

Javitch, Block & Rathbone LLC; Javitch Block LLC; JB

Headquarters

Cleveland, OH

Collects

credit card debt, installment loans, student loans, rent, purchased debt, taxes, insurance subrogation claims

Phone numbers it lists

(800) 837-0109, (800) 837-4601

Website

jbllc.com

141 debt collection complaints were sent to the Consumer Financial Protection Bureau about Javitch, Block & Rathbone LLC from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is Javitch Block?

Javitch Block LLC is a law firm that concentrates on creditor representation, mainly collections and insurance subrogation. Its main office is at 1100 Superior Avenue, 19th Floor, Cleveland, Ohio 44114, and it lists a second office at 5409 Maryland Way, Suite 315, Brentwood, Tennessee 37027, which it calls its Nashville office. The firm says it has more than 20 years of experience. The CFPB complaint database lists the firm under the name Javitch, Block & Rathbone LLC.

The firm's website states that it is a debt collector attempting to collect a debt. Its consumer numbers are (800) 837-0109 and (800) 837-4601. The FAQ says the firm does not report to credit bureaus and does not accept credit cards for payment.

Why Javitch Block May Be Contacting You

The firm lists the debts it handles as credit card accounts, installment loans, taxes, student loans, rent, commercial receivables and purchased debt, plus insured and uninsured auto and property subrogation claims. It also handles evictions, foreclosures, replevin of personal property and post-judgment work for its clients. A letter from Javitch Block may be a pre-suit demand, but because it is a law firm, it may also be the attorney of record in a lawsuit against you. Its FAQ says it collects for a client and that checks should be made payable to the creditor you owe, with the firm's file number.

If the firm's client is a debt buyer, the plaintiff in a lawsuit may be a company you never did business with. Our guide to being sued by Javitch Block in Texas covers that situation.

How to Check a Debt Javitch Block Says You Owe

When a law firm is involved, two clocks may be running: the validation period and, if you've been served, the court's answer deadline. Don't let one distract you from the other.

• Use the validation notice. The firm must send a notice identifying its client and itemizing the debt (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• Dispute in writing within the validation window. Ask for the original credit agreement or lease and the account statements. Disputing does not extend any court deadline.
• Ask who owns the debt. If the client bought it, ask for the documents showing your account was transferred to it.
• Check the amount. Compare the claimed balance with your last statement, and ask about any attorney's fees, which must be allowed by contract or statute.
• Check the dates. Texas generally allows four years to sue on a consumer debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on consumer debts past that period (Tex. Fin. Code § 392.307). Other states differ.

What Javitch Block Can and Can't Do

Lawyers who regularly collect consumer debts, including through litigation, are "debt collectors" under the FDCPA (Heintz v. Jenkins, 514 U.S. 291 (1995)). The firm's subrogation claims for property damage generally aren't consumer "debts" under the Act, but its consumer collection work is covered. That means:

• It may not misrepresent the amount owed or the legal status of the debt in letters or court filings (15 U.S.C. § 1692e(2)).
• It must sue in the county where you signed the contract or where you live (15 U.S.C. § 1692i).
• It may not ask for attorney's fees or other charges the agreement or law does not permit (15 U.S.C. § 1692f(1)).
• If you have a lawyer and it knows that, it must deal with your lawyer instead of you (15 U.S.C. § 1692c(a)(2)).

We did not find a CFPB enforcement action against Javitch Block. Read whether a collection law firm is also a debt collector, or visit our FDCPA attorneys page.

Being sued by Javitch Block? Read our full lawsuit guide →

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Javitch Block or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• Javitch Block: home page
• Javitch Block: FAQs
• Javitch Block: Nashville office contact
• CFPB enforcement actions search: Javitch
• CFPB Consumer Complaint Database: Javitch, Block & Rathbone LLC, debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Javitch Block has violated any law. Company details change; tell us if something here is out of date.