LJ Ross Associates

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?

LJ Ross Associates collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(While debt collectors may not want this information to be widely known, it’s your right to be informed.)

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

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. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

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

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with LJ Ross Associates

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

• 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
• LJ Ross Associates may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
• LJ Ross Associates must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
• LJ Ross Associates cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove LJ Ross Collections From Your Credit Report Today!

Credit Saint can assist you in disputing LJ Ross accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.