Javitch, Block and Rathbone; John Frye; Capital One Javitch, Block and Rathbone, attorneys for Capital One; (John Frye, who i spoke with) Recieved a letter, June 5th, 2009 from the attorney's. Called and spoke to a John Frye, who claims there is a Cease n Desist order and he is unable to talk to me, till i send him written permission. Cleveland, Ohio

I found your website while i was doing research on the Attorneys for my following complaint. Reading about these guys and others, gave me the idea to write this report.

2007 was a very bad year for me, between finals in college, Housing Court, family death, my depression was in critical standing and stress levels were extremely high (been seeing a pychologist for the past 6 yrs). And yet, I still found the time to payoff a card card bebt to Capital One. However, i never received anything from Capital One finalizing the paid off debt. Credit card companies don't send finalize letters to consumers; if they did, both parties would have it on file.

January-August 2008, I had major reconstructive surgery and physical therapy. I didn't work (unemployed, working on-call basis), nor could i attend school.

June 7th, 2009 recieved a letter sent to my old address where i haven't lived for about 20 yrs. Anyway, this letter came from Javitch, Block and Rathbone. I called the phone number looking to speak to a certain person ( Alicia Foster). A guy answered the phone, John Frye is the name he gave me, and told me that it didn't matter who i spoke to. Anyway, a couple of seconds later, he told me he wasn't allowed to talk to me, because there is a Cease and Desist order on the acct. The only way he could talk to me about said acct, was for me to send him a note giving him permission. Gave me the fax number. When i tried to talk to him about the C 'n D...he refused and hung up the phone. I guess you could call that a cold call.

There is no C'n D order on the acct, because i never filed anything of that sort. Besides, i have never herd of Cease 'n Desist until just recently. The only complaints i have ever filed went through the BBB, in regards to harassing phone calls, vulgar and offensive language from unknown numbers-collection agencies. They give you a choice in what you would like to see done with the companies. Never have i ever seen anything about filing a Cease and Desist order. Besides, according to my reserach, I would have to have gone to a Judge or even filed a letter to a Judge to have that done. And i didn't! So, i don't know where John Frye got the idea, unless he has used it before as a harassment tactic.

When i checked the status of the acct with Capital One, on my credit report, it said the acct was charged off and closed.

July 21st, 2009. Recieved a Summons From Parma Municipal Court, because i didn't fax said permission for JBR-John Frye to discuss credit card balance. Along with this balance i would have to REPAY back, court costs and fines would be added. My deadline for response was August 17th, but i fifled a request for an extension. I have sent letters to the BBB in California requesting information on the copy of the complaint i filed with them between Aug 15th-Sept 15th, 2007, because i believe that is when i paid off Capital One. So far, i have not recieved a reply.

I have contacted legal aid society, but they claim they can't help me. Sent letters to where i bought the money orders to pay the balance, they said becasue it was in 2007, they no longer have a record of said payments.

I am unemployed, i have not had a full time job since 2006. I work extreme part time job-on call basis, seasonal. My depression seems to rule my life, meds or n meds.

I'm running out of places to go for help.

Thank you