LJ Ross Associates on Your Credit Report? Fight Back and Win

Dealing with debt collectors can be a stressful and overwhelming experience. If you're dealing with LJ Ross Associates, you may feel like there are few options available, or that your situation is hopeless. However, with the right knowledge and approach, it's possible to take control of your financial future and reach a mutually beneficial arrangement with the debt collector.

In this blog post, we'll explore important strategies for effectively negotiating with them while protecting yourself from further financial harm.

What Does LJ Ross Associates Do?

Debt collectors, such as LJ Ross Associates - a Mississippi-based company founded in 1993 - work on behalf of creditors to recover money. They purchase debts from the original creditor for a fraction of what is owed and then pursue the debtor for payment. Debt collectors may contact debtors through phone calls and written correspondence to arrange payment plans or full repayment.

In some cases they assign an attorney to pursue legal action against delinquent debtors. In addition, they can also report negative marks on debtor’s credit reports and take other measures, including filing liens against their assets.

Is LJ Ross Associates a Legitimate Company?

Yes, LJ Ross Associates is a legitimate debt collector - they are not a scam. To verify this is the correct company contacting you, reference their contact information below:

• Phone Number: (517) 544-9100
• Address: 4 Universal Way Jackson, MI 49202-1455
• Website: https://www.ljross.com/
• BBB Rating: 2.7/5 

LJ Ross has a better reputation than most collectors, with a nearly 3-star rating on on their Better Business Bureau (BBB). However, despite their moderate rating, hundreds of complaints have been filed against them. It's vital to be aware of LJ Ross' reputation and exercise caution when communicating with them, especially if you're expecting to negotiate a settlement.

Additionally, documenting your interactions with the company is a proactive step you can take to manage any violations that might occur when dealing with debt collectors like LJ Ross.

Why Am I Getting Phone Calls from LJ Ross Associates? 

If you have been contacted by LJ Ross Associates about an outstanding debt that isn't familiar to you, the best course of action is to take a minute to investigate the situation. While it could be the result of changes in address or a missed bill, there are other possibilities that may explain why you were unaware or hadn't taken care of it. 

In some cases, the debt might not even belong to you or it could be an incorrect amount. It's important to make sure that the debt is really yours and the amount is correct before entering into any payment plans or other commitments. Here are some common reasons debts can be inaccurate or flat-out incorrect:

• Paid debts that have already been settled
• Accounts opened in your name without your knowledge
• Debts incorrectly reported as past due or unpaid
• Debts that are not legally yours to pay, either due to mistaken identity or having been opened by an ex-spouse.

If you are being contacted by a collections agency regarding a debt which does not belong to you, it is important to take action and assert your rights. Get in touch with Fair Credit today - we can help you dispute the debt and get it removed from your credit report.

If they fail to do so, then you may legally request the removal of the negative credit item from your record. Do not be passive in these situations; stand up for yourself and ensure that only legitimate debts remain on your credit report.

What Can I Do If I’m Being Harassed by LJ Ross Associates?

If you're facing collections from LJ Ross Associates, it's important you become familiar with the FDCPA, which establishes legal guidelines for how debt collectors must behave. This law protects consumers from unacceptable behavior, such as being subjected to repeated phone calls, harassment, or receiving false or misleading information. 

Taking the time to read and understand the FDCPA will empower you against companies who may not employ proper collections practices. 

For example, the FDCPA requires all debt collectors to maintain a professional tone of voice during any interactions and only present factual information related to the situation. If ever faced with a collections agency like LJ Ross Associate, having an understanding of the FDCPA will help protect your rights as a consumer.

Here are some of the prohibited behaviors under the law:

• Harassing or intimidating debtors with threats of violence, lawsuits or imprisonment.
• Using false misrepresentations while collecting debt, such as using the name of a fake company or pretending to be an attorney.
• Making unjustified threats to have wages garnished or property seized without having obtained a court order authorizing it.
• Publishing the name of a debtor in a newspaper or other public forum as part of the collection efforts.
• Making multiple phone calls to the debtor without providing advance notice about their purpose or identity, also known as “robo-calling”.
• Contacting a debtor at inconvenient times and places, such as before 8AM or after 9PM and at their workplace where prohibited by law.
• Attempting to collect fees, interest rates, or any other charges not authorized by the original contract between the consumer and creditor—known as “cramming”—or attempting to collect more than what is actually owed.
• Refusing to provide written verification of debt when requested by the consumer

Dealing with debt collectors is a stressful and complex process. You want to protect yourself from any unfair practices, so it's important for you to be aware of your consumer rights. 

It can also be beneficial to have written proof of any correspondence with LJ Ross or telephone records in order to hold the company accountable if a violation of any kind should occur. If legal action is necessary, hiring a lawyer can give you access to professional advice and make sure that your options are pursued appropriately.

Contact Us For Your Free Case Review

At Fair Credit, we understand how difficult dealing with collections agencies can be, which is why our team of experienced legal experts are committed to helping you end the undue stress this process can often create. We pride ourselves on having the resources and experience needed to take charge of your situation and fight for favorable outcomes.

With our team on your side, you don’t have to worry about LJ Ross Associates causing any further harm - our knowledgeable staff will ensure your rights are protected every step of the way and provide relief from their unrelenting pursuit. Don’t wait – contact us today for a free, no-obligation consultation and leave all your financial woes behind!