Javitch Block, LLC Is Suing Me for Debt Collection in Texas. What Do I Do?
If Javitch Block, LLC is suing you for debt collection, it is completely normal to feel overwhelmed and unsure about what to do next. You may be thinking, “Javitch Block, LLC is suing me for debt collection, but I’ve never heard of it. Who are they, and what should I do?” Fortunately, you may have more options than you realize to resolve the lawsuit and move forward. Below, our Texas debt collection defense attorneys discuss Javitch Block, LLC, and what to do if facing a Javitch Block lawsuit in Texas.
Quick Answer: What should I do first if Javitch Block, LLC sues me in Texas?
If Javitch Block sues you in Texas, act quickly by reviewing your citation, noting the answer deadline, and filing a Texas-compliant written response.
- Confirm the court, case number, and exact Texas answer deadline.
- Prepare a detailed Answer denying, explaining, or correcting the alleged debt.
- Contact a Texas debt-defense lawyer to review defenses and settlement options.
Who Is Javitch Block, LLC?
Javitch Block, LLCis a law firm that concentrates its practice on creditor representation and debt collection. The firm represents various creditors and debt collectors in pursuing collection and litigation against consumers. It may file lawsuits against individuals who have allegedly not repaid their debts in order to recover those amounts on behalf of its clients.
The law firm is headquartered in Ohio. However, it also has a presence in Texas, with an office in Richardson.
Need-to-Know Highlights
- Respond to a Javitch Block lawsuit within the Texas deadline to avoid default.
- Read your citation carefully and verify the court, case number, and claimed balance.
- File a written Answer or hire a Texas debt-defense lawyer to do it for you.
- Consider defenses like ownership, amount errors, or expired statute of limitations. In Texas, most lawsuits for credit-card and other consumer debts must be filed within four years of when the claim accrues. Tex. Civ. Prac. & Rem. Code § 16.004(a)(3)–(4) (2025).
- Explore negotiation, settlement, or payment plans if the claim appears valid and affordable.
Is Javitch Block a Debt Collector?
Yes, Javitch Block is a debt collector. Law firms that regularly collect consumer debts can be treated as ‘debt collectors’ under both the federal Fair Debt Collection Practices Act and the Texas Debt Collection Act and must follow those laws when dealing with Texas consumers. 15 U.S.C. § 1692a(6); Tex. Fin. Code ch. 392.
The firm legally represents creditors and debt collection companies. It has been hired to collect the alleged debts on behalf of its clients. Because it collects consumer debts on behalf of others, its collection activities are generally subject to the federal Fair Debt Collection Practices Act and the Texas Debt Collection Act.
Why Is Javitch Block, LLC Suing Me?
If Javitch Block, LLC is suing you, it is because it represents a creditor or debt collector who claims that you owe it money. According to Javitch Block, LLC’s website, it handles many types of debt recovery. For example, the debt could be from a defaulted credit card account or a personal loan account. The lawsuit is its client’s way of trying to collect that debt.
What Creditors and Debt Collectors Does Javitch Block, LLC Represent?
Javitch Block, LLC represents a wide variety of creditors and debt collectors. It acts on behalf of these companies to recover defaulted debts.
Our team has put together guides for many of the clients that Javitch Block, LLC represents. You can learn more about each creditor or debt collector by clicking the links below. Javitch Block often represents the following companies:
- American Express Company
- Bank of America, N.A.
- Cavalry SPV I, LLC
- Citibank, N.A.
- CKS Prime Investments, LLC
- Conn Appliances, Inc.
- Credit Acceptance Corporation
- First National Bank of Omaha
- First Portfolio Ventures II, LLC
- JPMorgan Chase Bank, N.A.
- LVNV Funding, LLC
- Members Choice Credit Union
- Navy Federal Credit Union
- Synchrony Bank
- TD Bank, USA, N.A.
- Velocity Investments, LLC
- Westlake Financial
What Do I Do if Javitch Block Sues Me?
It is essential to understand that being sued for debt collection does not automatically mean that you owe the claimed amount. The burden of proof lies with the party suing you. In Texas civil cases, the plaintiff must prove the elements of its claim—including the existence, ownership, and amount of the debt—by a preponderance of the evidence. See, e.g., Reese v. Wells Fargo, 25-10161 (5th Cir. Aug. 27, 2025) (affirming dismissal of TDCA and related claims where plaintiffs failed to meet their burden).
Not only does the firm have to prove that the debt amount is correct and that you owe it, but it also must prove that its client owns the debt and has the right to collect.
Once you receive the lawsuit notice, your Texas answer deadline depends on the type of court. In district or county court, you generally must file a written Answer by 10:00 a.m. on the Monday next after 20 days from service, while justice courts typically give 14 days; your citation will state the exact date. In Texas, the answer deadline is set by the Rules of Civil Procedure, which require prompt responses in both justice courts and district or county courts. Tex. R. Civ. P. 99(b), 502.5 (Tex. Sup. Ct. 2023).
You must respond to the lawsuit to avoid a default judgment. If you ignore the lawsuit, the court may enter a default judgment and will likely rule in favor of Javitch Block’s client if you do not respond or fail to appear in court.
You can see our guide about how to respond to a debt collection lawsuit here. However, we recommend working with an experienced attorney who can ensure you appropriately draft and file your Answer. Any mistakes could harm your defense and result in losing the case.
How Warren & Migliaccio Helps With Debt Collection Defense
Javitch Block is trusted by some of the largest creditors and debt collection companies in the United States to handle its collection cases. It runs a successful debt recovery practice. Having someone on your side with just as much experience handling debt defense cases can give you peace of mind and help you reach a favorable outcome.
At Warren & Migliaccio, we have extensive experience and success defending Texans against creditors and debt collectors. We are dedicated to helping our clients resolve debt collection lawsuits. Here are some of the ways our debt collection defense lawyers can assist you:
- Review the claims against you. We can start by thoroughly reviewing the details of your case, including the documents you have received from Javitch Block, LLC. We can identify any possible inaccuracies, violations of your rights, or defenses you may have. We will also demand proof of debt validation from Javitch Block, consistent with your rights under the federal Fair Debt Collection Practices Act. Both federal and Texas law give you the right to dispute a debt and require certain collectors to investigate and correct inaccurate information. 15 U.S.C. § 1692g; Tex. Fin. Code § 392.202.
- File your Answer. We can prepare and file your formal response with the court handling your case. Filing it ensures the case does not result in a default judgment against you.
- Challenge the lawsuit. If we find weaknesses in Javitch Block’s claims, we can request a case dismissal or challenge the lawsuit on your behalf.
- Negotiate a settlement. If Javitch Block has a strong case against you, we may recommend negotiating a settlement outside of court. We can negotiate to reduce the debt and arrange a payment plan that works for you.
- Guidance on alternative solutions. We understand that depending on your financial situation, the debt may be too much to handle. If this is the case, we can discuss whether bankruptcy may be a viable option for you to discharge debts and start fresh. A properly filed bankruptcy can trigger the automatic stay that stops most collection and lawsuit activity and, in many cases, leads to a discharge of eligible debts. 11 U.S.C. §§ 362(a), 524(a).
Case Study: How We Challenged a Javitch Block Lawsuit and Won
Not long ago, Maria came to us after being served with a Javitch Block lawsuit in Texas. She was shaking when we first spoke. The papers looked official, the balance was higher than she remembered, and she was sure her bank account would be next.
We slowed everything down and walked through the citation together, explaining what each part meant. Then we filed a timely Answer so she wouldn’t get a default judgment. After that, we demanded proof that Javitch Block’s client actually owned the debt and that the amount claimed was correct.
When the documents arrived, the numbers didn’t match Maria’s records and the chain of assignment was incomplete. We pushed back in court, and the case was eventually dismissed before trial.
The takeaway: even if you feel scared and alone, you still have rights in Texas. Making Javitch Block prove its claim can completely change the outcome.
FAQs About Javitch Block, LLC and Its Role
FAQs About Javitch Block
Who is Javitch Block, LLC in a Texas debt lawsuit?
Javitch Block, LLC is a debt-collection law firm that represents creditors and debt buyers in Texas courts. It usually does not own your debt. Instead, it files lawsuits and pursues collection on behalf of banks, credit-card companies, auto lenders, and other financial institutions.
Why is Javitch Block, LLC suing me instead of the original creditor?
Often, the original creditor sells your account to a debt buyer or hires Javitch Block to collect a past-due balance. The lawsuit may list Javitch Block as the law firm and name the bank, lender, or debt-buyer company it represents as the plaintiff seeking repayment.
FAQs About Texas Lawsuit Deadlines and Process
How long do I have to respond to a Javitch Block lawsuit in Texas?
Most Texans sued by Javitch Block have about 14 days from the date they are served to file a written Answer with the court, though some courts use slightly different deadlines. Read your citation closely or call the clerk to confirm, because missing the date can lead to a default judgment.
What should I do first if Javitch Block, LLC sues me in Texas?
Do not ignore the Texas debt collection lawsuit. Instead, read the citation, calendar your Answer deadline, and gather account records. Then either draft and file a written Answer with the correct court and mail a copy to Javitch Block, or hire a Texas debt-defense lawyer to handle this step.
What happens if I ignore a Javitch Block lawsuit in Texas?
If you ignore a Javitch Block lawsuit, the court can enter a default judgment against you. With a judgment, the creditor may use Texas remedies such as a writ of garnishment directed to your bank, judgment liens on non-exempt real property, and post-judgment discovery to locate assets and pressure you to pay, but Texas law generally protects wages for most consumer debts.
FAQs About Collections, Garnishment, and Settlement
Can Javitch Block garnish my wages or freeze my bank account in Texas?
Javitch Block cannot garnish wages or freeze a bank account just by sending letters or filing a lawsuit. They must first win a judgment. Texas generally blocks wage garnishment for most consumer debts, but judgment creditors can still try to garnish bank accounts or lien non-exempt assets.
Can I settle a Javitch Block lawsuit or set up a payment plan?
Many people resolve a Javitch Block lawsuit through settlement or a payment plan instead of trial. After you file an Answer, you can negotiate terms such as:
- Paying a reduced lump-sum amount
- Making monthly payments on the judgment or agreed balance
- Having the case dismissed once you complete the agreement
- Getting the settlement terms confirmed in a signed written agreement
FAQs About Defenses, Lawyers, and Your Rights
What defenses might I have against a Javitch Block debt collection lawsuit?
Even if you owe some money, you may have defenses to a Javitch Block debt collection lawsuit. A Texas debt-defense attorney will look for issues such as:
- Failure to prove the creditor or debt buyer owns your account
- Incorrect balance, fees, or interest
- Lawsuit filed after the statute of limitations expires
- Mistaken identity or major record errors
Do I need a lawyer for a Javitch Block lawsuit in Texas?
You are allowed to represent yourself, but Javitch Block handles large numbers of debt lawsuits and knows Texas court rules well. A local debt-collection defense lawyer can protect your rights, file a proper Answer, raise defenses, and often negotiate a better dismissal or settlement.
FAQs About Legitimacy and Creditors
How can I tell if a letter or call from Javitch Block is legitimate?
A legitimate Javitch Block contact should clearly identify the firm, list its mailing address and phone number, and name the creditor or debt buyer involved. You can cross-check that information on the firm’s official website and call a published office number before sharing banking or payment details.
Which creditors and debt buyers does Javitch Block often represent?
Javitch Block represents many creditors and debt buyers, including major credit-card issuers, auto lenders, and companies like Cavalry SPV and LVNV Funding in some states. Your Texas lawsuit documents should list the specific bank, credit union, or debt-buyer plaintiff that hired Javitch Block to pursue you.
Schedule a Consultation With Our Texas Debt Collection Defense Attorneys
Do not let a lawsuit from Javitch Block, LLC overwhelm you. We understand the stress you may be facing, but you often have more options than you think to put this lawsuit behind you.
If you are facing a debt collection lawsuit in Texas, we welcome you to schedule a consultation with our team. We can discuss your situation, your legal options, and how we can help you navigate and resolve the lawsuit. Call our office at 888-584-9614, or contact us online, and we will contact you soon.
