Who Is LJ Ross Associates? Why Are They Calling Me?

By US Debt Compass Editorial TeamUpdated 2026-08-09
CFPB complaints on record for LJ Ross Associates
155

Most commonly for attempts to collect debt not owed

View full complaint lookup for LJ Ross Associates →

Contact LJ Ross Associates

Address to send a debt validation letter
L J Ross Associates, Inc. P.O. Box 6099 Jackson, MI 49204
Phone
1-517-544-9100
Official website
https://www.ljross.com

As of 2026-08-07 — verify before mailing anything important, since collectors do change addresses.

LJ Ross Associates is a Jackson, Michigan collection agency that pursues consumer accounts referred largely by educational institutions, healthcare systems, government entities, and utilities. If LJ Ross is contacting you or has reported an account to your credit file, ask them to validate the debt in writing — CFPB complaint data shows the leading complaint categories against the company are disputes over the amount owed and the debt’s legal status.

Yes. In Rosen v. LJ Ross Associates, Inc. (E.D.N.Y.), a federal judge awarded the plaintiff $500 in statutory damages under the FDCPA after nearly two years of litigation, finding that LJ Ross’s validation letter listed the original $543 balance rather than the consumer’s actual, lower balance at the time — a misstatement of the amount owed. The CFPB’s complaint database also shows thousands of complaints against LJ Ross, with the largest category alleging the company misrepresented the amount, status, or legal standing of the debt. If a collection letter from LJ Ross shows a balance that doesn’t match your own records, don’t assume the number is right — compare it against your last statement from the original creditor and dispute any discrepancy using the process in debt validation letter.

Questions & Answers

Is LJ Ross Associates a legitimate debt collector?

LJ Ross Associates shows up in the CFPB consumer complaint database, which tracks real complaints filed against real companies — so it is a legitimate, registered entity, not a scam name. That doesn't mean every call claiming to be from them is real; scammers impersonate real collectors. Verify what they're collecting before paying anything — see what to do the first time a collector contacts you.

— US Debt Compass Editorial Team

How do I stop LJ Ross Associates from calling me?

Under the FDCPA, you can send LJ Ross Associates a written cease-and-desist letter and they must stop contacting you except to confirm they've received it or to notify you of specific legal action. This doesn't erase the debt — it only stops the calls. See the cease-and-desist letter glossary entry for how to send one.

— US Debt Compass Editorial Team

How do I dispute a debt with LJ Ross Associates?

Send a written debt validation request to LJ Ross Associates's dispute address within 30 days of first contact — they must then verify the debt before continuing collection. See the contact details above for the current mailing address.

— US Debt Compass Editorial Team

Is LJ Ross Associates on my credit report?

If LJ Ross Associates is collecting on an account, it can appear on your credit report as a collection tradeline, separate from the original creditor's listing. Check your credit report directly to confirm, and see the credit report dispute guide if anything about the listing looks wrong.

— US Debt Compass Editorial Team

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