Web address: http://www.jber.com/

Head Debt Collectors:

Quick Analysis                         Consumer Comments Below

Whenever you get a BIG law firm in the debt collection business, you have problems that are inherently unique to that firm’s size; everyone wants to get paid. In order to do that, you stoop to lows you may not consider under normal conditions. Javitch, Block & Rathbone (JBR) files a LOT of debt related lawsuits in Ohio and other areas on behalf of bottom feeders.  That a lot of the cases filed on behalf of these debt buyers may be time barred by statutes, or the basis of the suits contain bogus affidavits and perjury laced pleadings apparently do not affect the suits JBR files.

JBR list 45 attorneys on their website involved with their operations. That means they have several hundred working there as support staff to help feed these lawyers and that equates to a HUGE payroll.

These bottom feeder suits produce income from:
-Folks on Social security disability income.
-Debts that are ‘Time Barred by Statute.’
-Debts that are too old to be reported in credit files.
-Consumers who may have discharged those debts in bankruptcy.
-Co-signors on accounts who know nothing about the debts.

How many debt collector JBR lawyers realized when they were in law school that their paychecks would result in so much misery to others? This is not just about collecting on legitimate debts.  It’s about the RULE OF LAW! Debts and judgments obtained by false pretenses, bogus claims, perjured filings and phony affidavits make the lawyers involved as dirty and disgusting as the people who hire them. The appearance of law and ethics does NOT cleanse the slime from your hands and your paychecks.

Consumers are urged to challenge the validity of anything being represented by Javitch, Block & Rathbone. Send them dispute validation notices, invoke the Fair Debt Collection Practices Act (FDCPA), and make them prove up each and every item. Challenge any affidavits and pleadings, make the signors testify to the truthfulness of their statements. We have seen over and over that bottom feeder lies can be defeated. The vast majority of cases we have seen, filed on behalf of bottom-feeders contain hearsay statements, that may NOT be admissible in court. Make JBR and the people they represent prove their lies. Tape their calls, (where legal) most collectors will lie, make threats, break the law, tapes go a long way in settling cases, based on my experience.

CAUTION: I recommend you NEVER disclose your bank account or credit card information to a debt collector, as you risk them emptying your account, or maxing out your credit card. If you feel they are reporting on your credit bureau files in error or need assistance in dealing with them, email  the details w/your location.  Assistance and referral to a consumer legal specialist may be available.           Email for Assistance 

  Comments from consumer emails.  Messages edited for brevity.

  Consumers said... Javitch Block Rathbone