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.

• Calling repeatedly or excessively

• Threatening lawsuits or wage garnishment

• Talking to family, neighbors, or coworkers about your debt

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?

No, 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:

1. Keep records – Note dates, times, phone numbers, and what was said during every call or message.

2. 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)).

3. Request debt validation – Ask them to provide proof that the debt is yours. Collection efforts must pause until they do.

4. File complaints – Report violations to one of the authorities with all proofs as soon as possible.CFPB, FTC, or your state attorney general.

5. Consider legal help – If harassment continues, consult a consumer protection attorney to explore filing a lawsuit for FDCPA violations (§813).

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.

CFPB () Complaints

LJ Ross Associates has accumulated 2,154 complaints in the CFPB database as of February 2026. The single largest category, representing 39% of all complaints involves consumers reporting that LJ Ross attempted to collect a debt they do not owe. The overwhelming majority of complaints (78%) relate to debt collection practices, with an additional 21% tied to credit reporting issues connected to collection activity.

The major complaint categories from the CFPB database include:

• Attempts to collect debt not owed (837 complaints): Consumers allege that LJ Ross pursued debts they never incurred, had already paid, or that belonged to someone else entirely.
• False statements or misrepresentation (189 complaints): Allegations that LJ Ross misrepresented the amount, status, or legal standing of debts.
• Threatened negative or legal action (157 complaints): Consumers report receiving threats of lawsuits or other legal consequences.

BBB (Better Business Bureau) Complaints

LJ Ross Associates is BBB-accredited and was founded in 1992. The BBB established a profile for LJ Ross in 1993. Despite its accreditation since 2015, the agency has received consumer complaints alleging violations of the FDCPA, including threatening to take actions that cannot legally be taken and attempting to collect debts not owed.

Several BBB complaints involve consumers asserting they are not liable for debts attributed to them, and demanding signed contracts or verification of the business relationship between themselves and LJ Ross. In response, the company has stated that its contract is with the original creditor, not the consumer, and that no such direct agreement with the consumer is required under law. Better Business Bureau

Response Rate

LJ Ross Associates responded to 2,152 of the 2,154 CFPB complaints (99.9%) within the required timeframe, with only 2 late responses.

LJ Ross Associates Lawsuits

Rosen v. LJ Ross Associates, Inc. — FDCPA Violation (Debt Misrepresentation)

This case involves an attempt by LJ Ross Associates to collect a $543 debt owed by plaintiff Lea Rosen. LJ Ross first notified Rosen of the debt in an October 2018 letter, and subsequently, Rosen’s husband made a $100 payment that lowered the amount due to $443. The LJRA representative stated she would send Rosen a “validation letter.” This letter then became the basis of the lawsuit: it asserted the original $543 debt instead of the current $443 balance, and was dated November 21, 2018, labeled as “an attempt to collect a debt.”

Rosen filed suit in September 2019 and amended her complaint in December 2019. She ultimately asserted five FDCPA claims, on behalf of a purported class, based on LJRA (1) creating confusion about the deadline to submit a written dispute, and (2) overstating the amount owed. LJRA successfully moved to dismiss the two claims concerning the dispute deadline; the parties later stipulated to the dismissal of two more. By September 2020, only one claim under 15 U.S.C. § 1692e remained, and Rosen dropped her class allegations in November 2020. On summary judgment, Judge Ross held that LJRA’s November letter violated the FDCPA because, under the least sophisticated consumer standard, a reasonable consumer could interpret it as an attempt to collect the $543 debt. Consumer Financial Services Law Monitor

Class Action by Deceased’s Estate — FDCPA Dispute Method Violation

The administrator of a deceased New Jersey woman’s estate filed a proposed class action against Michigan-based L.J. Ross Associates, Inc. over alleged violations of the FDCPA. The lawsuit claimed that, in attempting to collect a debt allegedly owed by the decedent’s estate, LJ Ross sent a collection notice that when viewed through the lens of the least sophisticated consumer gave contradicting information regarding the proper method to dispute the debt. The defendant’s notice unlawfully presented the plaintiff with the options to either call a toll-free number or send a fax to dispute the debt. Under the FDCPA, debt disputes must be made in writing, and to suggest otherwise is a violation of the law that could mislead or confuse the plaintiff. ClassAction.org

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?

Yes, 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).

Other Phone Numbers LJ Ross Associates May Use