Who is LJ Ross Associates?
LJ Ross Associates, Inc. is a debt collection agency based in Jackson, Michigan. They specialize in recovering unpaid debts on behalf of businesses that have been unsuccessful in their attempts to do so.
If LJ Ross Associates is listed on your credit report, it typically signifies that you have an outstanding collections account with them.
Who does LJ Ross Associates collect for?
LJ Ross Associates offers its debt collection services to a diverse range of sectors. These include healthcare, education, finance, utilities, and various government departments.
Is LJ Ross Associates legit or a scam?
LJ Ross Associates is a legitimate debt collection company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove LJ Ross Associates from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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L J Ross Associates Contact Information
Address:
L J Ross Associates
4 Universal Way
Jackson, MI 49202
Mailing address:
L J Ross Associates
PO Box 6099
Jackson, MI 49204-6099
Phone number: (800) 446-9206 or (517) 544-9100
Should I contact or pay L J Ross Associates?
Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with LJ Ross Associates is to work with a credit repair professional. They help remove millions of negative items every year from companies like LJ Ross Associates on behalf of their clients.
Will L J Ross Associates sue me or garnish my wages?
LJ Ross Associates has the ability to file a lawsuit against you if you fail to pay a debt. If the court rules in their favor and they obtain a judgment against you, they may then be able to garnish your wages, levy your bank account, or seize certain assets, depending on the laws of your specific jurisdiction.
However, it’s important to note that legal action is usually considered a last resort by most collection agencies due to the expense and time it involves. They would typically prefer to negotiate a payment plan or a settlement agreement with the debtor.
L J Ross Associates, Inc. Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with LJ Ross Associates
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for LJ Ross Associates to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
- LJ Ross Associates cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- LJ Ross Associates must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- LJ Ross Associates cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove LJ Ross Collections From Your Credit Report Today!
Credit Saint offers assistance with disputing LJ Ross accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
