EXHIBIT 1 

Case 1:23-cv-00431-MJT-CLS Document 5-1 Filed 12/15/23 Page 1 of 3 PageID #: 29
September 29, 2023 

Javitch Block LLC is a debt collector. We are trying to collect a debt that you owe to SYNCHRONY BANK; we will use any 

information you give us to help collect the debt. 

Our information shows: How can you dispute the debt?________________________________

 Call or write to us by November 08, 2023, to dispute all or part of the 

debt. If you do not, we will assume that our information is correct. 

 If you write to us by November 08, 2023, we must stop collection on any 

amount you dispute until we send you information that shows you owe the 

debt. You may use the form below or write to us without the form. You may 

also include supporting documents. We accept disputes electronically at 

https://www.jbllc.com/contact/cleveland.

What else can you do?________________________________________ 

 Write to ask for the name and address of the original creditor, if different 

from the current creditor. If you write by November 08, 2023, we must stop 

collection until we send you that information. You may use the form below or 

write to us without the form. We accept such requests electronically at 

https://www.jbllc.com/contact/cleveland.

 Go to www.cfpb.gov/debt-collection to learn more about your rights 

under federal law. For instance, you have the right to stop or limit how we 

contact you.

 Contact us about your payment options.

 Póngase en contacto con nosotros para solicitar una copia de este formulario 

en español.

You had a Techron Advantage Visa Credit Card account with 

Synchrony Bank with account number ************4900. 

As of June 20, 2022, you owed $2,019.03 

Between June 20, 2022 and today: 

You were charged this amount in 

interest: 

 + $0.00 

You were charged this amount in 

fees: 

 + $0.00 

You paid or were credited this 

amount toward the debt: 

 - $0.00 

Total amount of the debt now: $2,019.03 

 

Notice: See reverse for important information.

To: Dajore Marks 

3760 Broadmoor Dr 

Beaumont, Tx 77707-2420 

 Javitch Block LLC 

1100 Superior Avenue 

Cleveland, OH 44114-2521 

Phone: (800) 837-4601 from Monday 

through Friday: 8am to 5pm EST 

www.jbllc.com 

 Reference: 2075089 

Mail this form to: 

Javitch Block LLC 

1100 Superior Avenue 

Cleveland, OH 44114-2521 

Dajore Marks 

3760 Broadmoor Dr 

Beaumont, Tx 77707-2420 

How do you want to respond? 

Check all that apply

I want to dispute the debt because I think:

 

This is not my debt 

The amount is wrong. 

Other (please describe on reverse or attach 

additional information). 

I want you to send me the name and address of the 

original creditor. 

I enclosed this amount: $ 

Make your check payable to Javitch Block LLC. Include the reference number 

2075089 

 

Quiero este formulario en español 

*Q‐‐‐2075089DMD‐1‐* 

Case 1:23-cv-00431-MJT-CLS Document 5-1 Filed 12/15/23 Page 2 of 3 PageID #: 30
IMPORTANT CONSUMER INFORMATION GENERALLY: 

State specific disclosures provided below are not intended to imply that Javitch Block LLC engages in retail consumer debt collection activities in each state listed. 

IF YOU ARE IN BANKRUPTCY OR HAVE BEEN DISCHARGED IN BANKRUPTCY, THIS LETTER IS FOR INFORMATIONAL 

PURPOSES ONLY AND IS NOT INTENDED AS AN ATTEMPT TO COLLECT A DEBT OR AS AN ACT TO COLLECT, ASSESS, OR 

RECOVER ALL OR ANY PORTION OF THE DEBT FROM YOU PERSONALLY. 

NOT ALL OUR EMPLOYEES ARE ATTORNEYS AND NOT ALL COMMUNICATIONS FROM US ARE FROM OUR ATTORNEYS. 

UNLESS YOU RECEIVED A COMMUNICATION FROM ONE OF OUR ATTORNEYS, THIS COMMUNICATION IS WITH US ACTING 

SOLELY AS DEBT COLLECTORS, NOT ATTORNEYS, REGARDING YOUR ACCOUNT. 

WE ENDEAVOR TO PROVIDE YOU WITH ACCURATE FINANCIAL INFORMATION AT ALL TIMES AS OF THIS DATE, THE 

AMOUNT YOU OWE WILL BE DISPLAYED ON PAGE ONE OF THIS LETTER. BECAUSE COMPONENTS OF THE CURRENT 

BALANCE MAY VARY FROM DAY TO DAY, THE AMOUNT DUE ON THE DAY YOU PAY MAY BE GREATER. HENCE, IF YOU 

PAY THE AMOUNT SHOWN ON PAGE ONE AND A COMPONENT AMOUNT OF THE CURRENT BALANCE CHANGES AFTER 

THIS DATE (E.G., INTEREST, IF APPLICABLE), AN ADJUSTMENT MAY BE NECESSARY AFTER WE RECEIVE YOUR CHECK, IN 

WHICH EVENT WE WILL INFORM YOU BEFORE DEPOSITING THE CHECK FOR COLLECTION. FOR FURTHER 

INFORMATION, WRITE US OR CALL US. 

STATE SPECIFIC CONSUMER INFORMATION 

CALIFORNIA RESIDENTS: 

The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors 

may not contact you before 8 a.m. or after 9 p.m. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use 

false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may 

not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For 

more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP or www.ftc.gov. 

COLORADO RESIDENTS: 

A consumer has the right to request in writing that a debt collector or collection agency cease further communication with the consumer. A written request to cease 

communication will not prohibit the debt collector or collection agency from taking any other action authorized by law to collect the debt. FOR INFORMATION 

ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE https://coag.gov/office-sections/consumer-protection/consumer-creditunit/collection-agency-regulation/

MASSACHUSETTS RESIDENTS: 

NOTICE OF IMPORTANT RIGHTS 

YOU HAVE THE RIGHT TO MAKE A WRITTEN OR ORAL REQUEST THAT TELEPHONE CALLS REGARDING YOUR DEBT NOT 

BE MADE TO YOU AT YOUR PLACE OF EMPLOYMENT. ANY SUCH ORAL REQUEST WILL BE VALID FOR ONLY TEN DAYS 

UNLESS YOU PROVIDE WRITTEN CONFIRMATION OF THE REQUEST POSTMARKED OR DELIVERED WITHIN SEVEN DAYS 

OF SUCH REQUEST. YOU MAY TERMINATE THIS REQUEST BY WRITING TO THE CREDITOR. OUR TELEPHONE NUMBER IS 

(866)-881-2400. AND OUR OFFICE HOURS ARE MONDAY THROUGH FRIDAY 8AM-5PM (EASTERN TIME). 

NEW YORK RESIDENTS: 

Debt collectors, in accordance with the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq., are prohibited from engaging in abusive, deceptive, and unfair debt 

collection efforts, including but not limited to: (i) the use or threat of violence; (ii) the use of obscene or profane language; and (iii) repeated phone calls made with the 

intent to annoy, abuse, or harass. If a creditor or debt collector receives a money judgment against you in court, state and federal laws may prevent the following types of 

income from being taken to pay the debt:(1) Supplemental security income, (SSI); (2) Social security; (3) Public assistance (welfare); (4) Spousal support, maintenance 

(alimony) or child support; (5) Unemployment benefits; (6) Disability benefits; (7) Workers' compensation benefits; (8) Public or private pensions; (9) Veterans' benefits; 

(10) Federal student loans, federal student grants, and federal work study funds; and (11) Ninety percent of your wages or salary earned in the last 60 days. 

NEW YORK CITY RESIDENTS: 

This collection agency is licensed by the New York City Department of Consumer Affairs, License No. 1330441. PLEASE CONTACT JAMES OH 

WITH ANY QUESTIONS OR CONCERNS AT (866) 881-2400. 

Javitch Block LLC does not provide language access services 

TENNESSEE RESIDENTS: 

JAVITCH BLOCK LLC is licensed by the collection service board of the department of commerce and insurance. 

WASHINGTON RESIDENTS: 

JAVITCH BLOCK LLC WASHINGTON LICENSE NUMBERS & LOCATIONS LISTED BELOW 

602-132-663, 100 SUPERIOR AVE E FL 19, CLEVELAND OH 44114-2521

Case 1:23-cv-00431-MJT-CLS Document 5-1 Filed 12/15/23 Page 3 of 3 PageID #: 31