Update #11- Javitch Block LLC
Posted by RepulsiveSea2174@reddit | studentloandefaulters | View on Reddit | 17 comments
Javitch Block LLC has finally sent written correspondence to me after calling me only twice without me answering or them leaving a voice mail.
The letter I received has a reference number and the letter states “javitch block llc is a debt collector. We are trying to collect a debt that you owe to SMB private education loan grantor trust. You had a financial obligation with Sallie Mae bank with account number but it only shows the last 4 digits. And the total amount owed around $33K. So they only bought one of my defaulted loans as I have 3 separate loan accounts totaling $85K.
Has a section how you can dispute the debt: says you can call or write by December 14 to dispute all or part if you do not they will assume that their information is correct.
Has another section what else you can do: write to ask for the name and address of the original creditor, if different from the current creditor. Says that if I write by December 14 we must stop collection until we send you that information.
Doesn’t say anything about litigation more so of them just trying to collect. I don’t believe I will be asking for any debt validation and continue to go radio silent like I have been doing. What do you guys think?
AdHappy4651@reddit
any updates?
RepulsiveSea2174@reddit (OP)
I have a big update will be updating next month. Come back to my post soon to see.
LavaMonsterrrr@reddit
Any updates? I’m in tx too
RepulsiveSea2174@reddit (OP)
I’ll be updating soon
madoff1503@reddit
Javitch block the absolute worst debt collection agency I have had the displeasure of working with
Impressive_Brain5734@reddit
Oooh! Interesting. Have you done a consulation with a student loan attorney?
RepulsiveSea2174@reddit (OP)
Yes I do. As of right now he’s not worried until I actually receive a summons. So we shall wait. I’ve been following your story as well. Keep riding the wave as well.
Impressive_Brain5734@reddit
Thanks! Also, since it's now at a collection agency, is it showing as charged off on your credit report?
RepulsiveSea2174@reddit (OP)
Once I defaulted my credit report said all 3 separate loans were charged off and my credit score increased. I received a charged off letter from Sallie Mae.
Impressive_Brain5734@reddit
Thanks! Also, since it's now at a collection agency, is it showing as charged off on your credit report?
SettleBankDebt@reddit
As a debt consultant/debt negotiator Javitch Block "will" eventually file suit. Creditors do not send files to Javitch Block to send out an "ADL" attorney demand letter. It will be in your best interest if you have the ability to settle at this stage of pre-litigation collections because the settlement parameters could be significantly less.
miranlopez11@reddit
they can also settle after getting sued as well if they do get sued. personally i wouldnt respond to that letter its a standard debt collection letter. remain silent and wait for a summons if i ever comes. most debt collectors don't sue it usually gets sold off and then sold off they'll provide many settlements in between see if you can reach the SOL then u wont have to pay anything. it's worth waiting it out
SettleBankDebt@reddit
Let's hope they go away!
miranlopez11@reddit
hoping for the best for them! i'm so intrigued by all of their updates!
RepulsiveSea2174@reddit (OP)
We shall see. I’ll take my chances on staying quiet. Javitch block llc has not filed suit since 2014 in the state of Texas in the county where I live. I have an attorney on stand by in case I get sued but I have been advised to not engaged unless a summons is served. Can’t be so quick to settle especially when I don’t have any assets and also they haven’t sent any settlement offers either. Plus the amount they have on the letter is heavily incorrect. Using their mistakes will be an advantage “if/when” they sue.
SettleBankDebt@reddit
Good luck and hopefully you win if their client decides to file suit.
RepulsiveSea2174@reddit (OP)
Thank you!