If LJ Ross Associates has appeared on your credit report, you’re probably dealing with an unpaid debt that’s been sent to collections. These accounts can drag down your credit score, so it’s important to know your options.
Who Is LJ Ross Associates?
LJ Ross Associates is a third-party debt collection agency based in Jackson, Michigan. If their name shows up on your credit report, it means they’re trying to collect money you allegedly owe.
Who Does LJ Ross Associates Collect For?
LJ Ross Associates works with businesses from several industries, including:
- Healthcare providers
- Schools and universities
- Financial institutions
- Utility companies
- Government agencies
If you’ve fallen behind on bills in any of these areas, your debt may have been passed to LJ Ross for collection.
Is LJ Ross Associates Legit?
Yes, LJ Ross Associates is a real company. They are authorized to collect debts on behalf of their clients. But just because they’re legitimate doesn’t mean the debt they claim is always correct. Always request written proof before paying.
How to Remove LJ Ross Associates From Your Credit Report
A collections account can damage your credit for up to seven years, but there are steps you can take to try to remove it sooner:
- Dispute inaccuracies: If the account details are wrong, file a dispute with the credit bureaus.
- Request debt validation: You have the right to ask LJ Ross for proof that the debt is yours and the amount is accurate.
- Negotiate a pay-for-delete: In some cases, you can offer payment in exchange for the account being removed from your report.
- Work with a credit repair company: Professionals can help dispute accounts and clean up your credit.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Pay LJ Ross Associates?
Before making any payment, confirm that:
- The debt is valid and reported correctly
- You’re within the statute of limitations for collections in your state
- You’re prepared to negotiate for removal from your credit report
Sometimes paying a collection without a pay-for-delete deal can still hurt your score, so proceed carefully.
Can LJ Ross Associates Sue You or Garnish Your Wages?
Yes, they have the right to take legal action to collect unpaid debts. If they sue and win, they could:
- Garnish your wages
- Levy your bank account
- Place a lien on your property
State laws vary, and lawsuits are often a last resort, but it’s important to take any legal notices seriously.
LJ Ross Associates Contact Information
Address:
LJ Ross Associates, Inc.
4 Universal Way
Jackson, MI 49202
Phone:
(800) 462-9201
LJ Ross Associates Complaints
LJ Ross Associates has received complaints through the CFPB and BBB. Common complaints include:
- Inaccurate reporting on credit reports
- Harassment or excessive contact
- Failure to properly validate debts
If needed, you can dispute the account and file a complaint.
Your Rights When Dealing With LJ Ross Associates
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) give you important protections. Debt collectors cannot:
- Report inaccurate or incomplete information
- Harass or threaten you
- Call excessively or use abusive language
- Misrepresent who they are
- Have you arrested for unpaid debts
You also have the right to request written proof of the debt.
Remove LJ Ross Associates From Your Credit Report Today
If dealing with collections feels overwhelming, you don’t have to go it alone. Credit Saint has over 15 years of experience helping people dispute and remove negative items like collections from their credit reports. They even offer a 90-day money-back guarantee for peace of mind.
Visit their website or call (855) 281-1510 to get started.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
