LJ Ross Associates Phone Harassment?
People still report debt collection harassment even as 2026 started. The collectors as usual use abusive, threatening, or unethical tactics to pressure you into paying. While LJ Ross Associates (LJRA) is allowed to contact consumers, federal law sets clear limits under the Fair Debt Collection Practices Act (FDCPA).
According to Fair Debt Collection Practices Act (FDCPA) If LJ Ross Associates is doing any of the following, it may be illegal:
Calling before 8 a.m. or after 9 p.m.
These tactics often cause stress, anxiety, and daily disruption — and they’re exactly what the FDCPA was designed to stop. If LJRA violates the law, you may be entitled to up to $1,000 in statutory damages, plus attorney’s fees (FDCPA §813).
Is LJ Ross Associates a Scam?
According to the Better Business Bureau website, LJ Ross Associates has been in business for 26 years. LJ Ross Associates was founded in the year 1998. There have been 63 complaints filed against LJRA with the BBB. Read more here: LJ Ross Associates Better Business Bureau.
Who is LJ Ross Associates in Washington?
LJ Ross Associates is third party debt collector located in Jackson, Mississippi. LJRA has been a party to a Federal Court case over 40 times. They have been accused of violating consumer’s rights and illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.
- Address: 4 Universal Way Jackson, MI 49202-1455
- Phone: (517) 544-9100
Types of LJ Ross Associates Collection Tactics
If LJ Ross Associates engages in any of the following tactics, you may have a case:
- ➡️ Using profanity or abusive language
- ➡️ Calling you before 8:00 a.m. or after 9:00 p.m.
- ➡️ Calling you multiple times per week
- ➡️ Talking to others about your debt
- ➡️ Calling your workplace
- ➡️ Threatening to sue you, harm you, or destroy your credit
- ➡️ Telling you or anyone else that you’ve committed a crime
- ➡️ Calling repeatedly for the wrong person
- ➡️ Failing to notify you of your right to dispute the debt
- ➡️ Trying to collect more than legally allowed
LJ Ross Associates Phone Numbers to Identify
Are you receiving any harassing phone calls from any of the following numbers?
- 📱 517-544-9100
- 📱 517-544-9101
- 📱 (517) 544-9100
- 📱 (517) 544-9101
- 📱 5175449100
- 📱 5175449101
If the answer is yes, then you are receiving calls from a known LJRA number. You may be a victim of LJRA phone harassment. The list above is not all the numbers that LJRA uses. The calls can be from different phone numbers and it still be LJ Ross Associates calling you. Contact our office right away so we can start the process to stop LJRA from calling you illegally. Above all, no one should live with harassment!
Fight Harassment Against LJ Ross Associates
If LJ Ross Associates (or any debt collector) is harassing you, follow these steps to protect yourself:
- Keep records – Note dates, times, phone numbers, and what was said during every call or message.
Send a cease-and-desist letter – Ask the collector to stop contacting you. Once they receive it, they may only contact you to confirm receipt or notify about legal action (FDCPA §805(a)).
Request debt validation – Ask them to provide proof that the debt is yours. Collection efforts must pause until they do.
File complaints – Report violations to one of the authorities with all proofs as soon as possible.CFPB, FTC, or your state attorney general.
Consider legal help – If harassment continues, consult a consumer protection attorney to explore filing a lawsuit for FDCPA violations (§813).
| Agency | When to Report | What They Do |
|---|---|---|
| CFPB | Harassment, illegal calls | Investigates, fines, orders debt collectors to stop |
| FTC | Deceptive / unfair practices | Can sue collectors, stop scams, enforce rules |
| State AG | State law violations | Investigates, lawsuits, consumer refunds |
| FCC | Robocalls / spoofing | Fines, shuts down illegal calls, TCPA enforcement |
Complaints Against LJ Ross Associates
The following is a sample list of complaints filed against LJ Ross Associates in the past and can be found on Pacer.gov.
- 📋 8:17-cv-03773-DKC Ellerbe v.
- 📋 2:11-cv-15195-NGE-MKM Tye v.
- 📋 2:16-cv-01367-WED Johnson v.
- 📋 2:18-cv-00806-WED Bencomo v.
- 📋 2:19-cv-00478-JPS Kasper v.
Consumer Rights Law Firm PLLC
Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop the LJ Ross Associates harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent harassment from LJ Ross Associates. call us at (877)700-5790 for immediate assistance or visit our website.
Success Stories
- 🏆 Consumer Rights Law Firm PLLC truly changed my situation for the better. I had been dealing with constant calls from debt collectors, some of which were very aggressive and disrespectful. The moment I contacted CRLF, they listened carefully to my concerns and took immediate action. Within a short time, the calls stopped completely. They are professional, dependable, and genuinely care about protecting their clients.
- 🏆 I was under so much stress from nonstop debt collection calls that I could barely focus at work or enjoy time with my family. CRLF stepped in, explained my rights in simple language, and handled everything directly with the collectors. Their communication was excellent, they kept me updated and reassured throughout the process. I finally have peace of mind again, and it’s all thanks to them.
- 🏆 The team at Consumer Rights Law Firm PLLC is exceptional. I reached out after months of unwanted calls and letters from a collection agency. They didn’t just stop the harassment; they also educated me about how to protect myself in the future. Their professionalism, patience, and expertise made all the difference. I highly recommend them to anyone who feels overwhelmed by debt collector harassment.
FAQs
Is LJRA a legitimate company?
No, LJ Ross Associates has been in business for 26 years.
Can LJ Ross Associates garnish my wages?
Yes, LJRA can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.
Can LJRA sue me?
Yes, LJRA can sue you so long as the debt is within the statute of limitations.
Can LJRA report my debt to the collection bureaus?
Yes, Debt collectors are allowed to place the collection account on your credit report
Can LJRA arrest me?
Debt collectors don’t have the authority to have you arrested for a debt. However, if you violate a court order, e.g. an order to appear in court, the judge can issue a warrant for your arrest. Depending on the laws in your state, you may be arrested for certain debts like unpaid child support or traffic tickets.
Can LJ Ross Associates legally harass me with phone calls?
No, under the FDCPA they can’t harass, threaten, call outside 8 a.m.–9 p.m., or use abusive language. Harassment is illegal and you can take action if they violate these rules.
What should I do if LJ Ross Associates keeps calling me?
Keep a record of each call (time, number, what was said), send a written cease‑and‑desist letter, request debt validation, and if calls persist, file complaints with the CFPB, FTC, and consider legal aid.
Can I stop LJ Ross Associates from calling me?
Yes, send them a written notice demanding they cease phone contact. Once received, they must stop calling except to confirm they received your request or to notify you of specific actions like filing a lawsuit.
What can I do if LJ Ross Associates left a voicemail or robo‑call me?
If they leave voicemails without identifying as a debt collector, use robo‑calls, or call without your consent, you may have a claim under the TCPA for up to $500 per call (or $1,500 if willful).
