L J Ross Associates: Who They Are and Your Rights

Type

Collection agency

Also known as

L J Ross Associates, Inc.; LJ Ross Associates; LJ Ross

Headquarters

Jackson, MI

Collects

utility bills, medical bills, government receivables, education balances, financial accounts

Phone numbers it lists

(844) 348-1739, (800) 446-9206

Website

ljross.com

1,504 debt collection complaints were sent to the Consumer Financial Protection Bureau about LJ Ross Associates from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is L J Ross Associates?

L J Ross Associates, Inc. is a collection agency headquartered at 4 Universal Way in Jackson, Michigan. The company says it was founded in 1992 and is a certified Women's Business Enterprise. It started out offering check collection and check verification to retailers, then expanded into government accounts in 1994, utilities in 1996, medical accounts in 2001, commercial and financial accounts in 2002, and education in 2006.

L J Ross publishes a list of its state licenses and registrations on its website, including Texas certificate of authority number 802256280, California license 10274-99 and NMLS number 931903. It says it is licensed to collect in all 50 states and offers both first-party (in the client's name) and third-party collection services.

Why L J Ross Associates May Be Contacting You

The company's expertise page lists five areas: medical, utilities, education, government and financial. Utilities are one of its longest-running lines of business, so a common reason for an L J Ross letter is a closing balance on an electric, gas or water account after a move. Others involve hospital or physician bills, a balance owed to a school, or an amount owed to a government agency.

Its customer support page lists (844) 348-1739 for account questions, and its headquarters toll-free number is (800) 446-9206. The support center also has links to file a dispute, report identity theft, submit medical insurance information and give bankruptcy information.

How to Check a Debt L J Ross Associates Says You Owe

For a final utility bill, the most useful records are your stop-service confirmation, a final meter reading and your deposit refund. For a medical bill, they're the itemized statement and your insurer's explanation of benefits.

• Get the validation notice (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34) and note the utility, provider or agency it names and the itemized balance.
• If the amount is off, the service dates overlap with a new tenant, or the account isn't yours, file a written dispute within the validation period. L J Ross must stop collection until it sends verification.
• Check whether your utility deposit was credited against the final bill.
• Ask whether the account is still owned by the original creditor; L J Ross describes its services as collection work for its clients.
• Pay attention to the date of the last payment. Texas generally allows four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer can't sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states have their own rules, and some government debts follow different rules altogether.

What L J Ross Associates Can and Can't Do

L J Ross collects consumer debts owed to its clients, so it is a "debt collector" under 15 U.S.C. § 1692a(6). Its privacy policy says it discloses information to credit reporting agencies. Keep these limits in mind:

• If you dispute an account it reports, it must report it as disputed (15 U.S.C. § 1692e(8)).
• Paid medical collections, and those under $500, generally no longer show on credit reports under the bureaus' policies; see the reporting changes.
• It may not call more than seven times in seven days about one account (12 C.F.R. § 1006.14(b)(2)).
• It can't threaten to shut off service it doesn't control or suggest it can take action it can't legally take (15 U.S.C. § 1692e(5)).
• A Texas consumer's wages can't be garnished for an ordinary utility or medical bill.

If you think a collector crossed the line, our FDCPA attorneys can review the facts.

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If L J Ross Associates or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• L J Ross Associates: About us
• L J Ross Associates: Expertise
• L J Ross Associates: Customer support
• L J Ross Associates: State licenses
• L J Ross Associates: home page and privacy notice
• CFPB Consumer Complaint Database: LJ Ross Associates, debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that L J Ross Associates has violated any law. Company details change; tell us if something here is out of date.