Forced into bankruptcy (Guest) - I received a letter in July from them on an old capital one account.  I tried to set up a payment plan through a credit counseling agency and they returned every payment, refusing to accept anything less than the entire balance.  Then in September, I received a letter from an entirely different company saying they owned the Capital One account.  I repeatedly tried to find out if Javitch or this new company owned the account and who I should communicate with and arrange payment with.  Javitch refused to answer my inquires (I made over 10) and now they filed a motion to garnish my wages.  I am now filing bankruptcy.  They are aggressive, if you receive communication that they own an account, don't bother working with them.  Go straight to a bankruptcy attorney and file bankruptcy.  Javitch would rather you declare bankruptcy than work out a payment arrangement.

CDI Collection agency (Guest) - We have been doing collection for almost 15 years and offer much better rates and hirer collection rates than most law offices. Keep in mind most Law offices do not have a high enough volume to report to credit bureaus so while you may have legal action with a debtor they can still go out and get car, home, and credit card loans.