LJ Ross Associates is a third-party collection agency based in Michigan. LJ Ross has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including threatening to take actions that cannot legally be taken and attempting to collect debts not owed. If you have been contacted by this debt collector, make sure you understand your rights before responding.
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According to the Better Business Bureau (BBB) LJ Ross Associates is a legitimate collection agency, founded in 1992. They began as a check verification and collection service for retailers, this firm has expanded its collection operations to a lot of different sectors, such as education, medical care, utilities, government, and credit cards. LJ Ross writes and calls to consumers in a number of different languages, including English, Spanish, German, Arabic, and Hebrew. Licensed in all 50 states, LJ Ross Associates both trains employers how to accumulate by themselves and conducts collection activities on behalf of businesses.
For utility customers, this company has more than twenty years of expertise in tactics like monitoring a user who has opened a new account, and then transferring their previous equilibrium into the new account. LJ Ross Associates advertises that it pursues collection at all levels in the debt crisis, from the moment a customer opens their accounts to after the account has been delinquent for quite a long time
As of April 2017, the Better Business Bureau reported 22 closed LJ Ross Associates complaints over the previous few decades, including 6 closed LJ Ross Associates complaints over the past 12 months. The BBB provides LJ Ross Associates an A- rating. Additionally, Justia lists five LJ Ross Associates complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act, and three alleging violations of the Fair Credit Reporting Act. Moreover, the Consumer Financial Protection Bureau (CFPB) lists 39 closed LJ Ross Associates complaints for 2016.
LJ Ross Associates
4 Universal Way
Jackson, MI 49202
Phone Number: 800-446-9206
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely LJ Ross would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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The Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB) enforce consumer protection laws. The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are two federal laws that help regulate the collections industry. The FDCPA prohibits actions such as threatening to take actions that cannot legally be taken or using false or misleading language to collect a debt.
The FCRA regulates how collection agencies report information to credit reporting agencies.Additional consumer protection laws include the Consumer Financial Protection Act (CFPA) and the Telephone Consumer Protection Act (TCPA).
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers to recover damages of up to $1,000, plus attorney fees and court costs, in cases proving violations of the FDCPA.
The case above illustrates how understanding your rights and responsibilities under these laws is an important part of holding collection agencies accountable for their actions. Seeking legal assistance can help you resolve a dispute with a collection agency.
Consumers have reported this agency harassing them from the following numbers:
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are receiving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
We can make them STOP!✋
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200 NOW.
What Our Clients are Saying
“I got a test yesterday in settlement of my case. I need to thank you and your staff for your services. I discovered the people I dealt with at Lemberg Law to be unfailingly polite, professional, and helpful when I called in with questions.”
“Never did I feel anything less than your most important customer. I love your service, and wish that more people were aware that there was a remedy for those foul creatures that call themselves collectors. Do not get me wrong, I pay my debts, or at least attempt to, but those agencies are aware of what they’re doing is illegal and know that the person on the other end of the line probably does not know that.”
“It was a joy to deal with you. I would recommend this company to anyone.”
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