Who's Calling From 800-530-3790?

Is 800-530-3790 calling you? It’s L.J. Ross Associates, and they’re calling you because they believe you owe someone money.

In this article, we’ll take a closer look at who L.J. Ross Associates is, why they might be calling you, and what you can do about it. L.J. Ross Associates is a third-party debt collection agency. That means that someone hired them to try to collect money from you. They’ve been in business since 1992 and are based in Jackson, Michigan. They collect debts nationwide, so even if you don’t live near Michigan, you may still hear from them.

Who is L.J. Ross Associates?

L.J. Ross Associates is a third-party debt collection agency and debt buyer. Their headquarters is located at 4 Universal Way, Jackson, MI 49202. The company was founded in 1992. L.J. Ross Associates focuses on collecting debts in the following industries: utilities, healthcare, government, education, and financial services. The company is privately held and employs about 90 people.

Notable clients include FirstEnergy, ComEd, Consumers Energy, DTE, BG&E, WE Energies, Detroit Medical Center, and several hospital systems.

L.J. Ross Associates is accredited with the Better Business Bureau and has an A+ rating. However, they only have a 1.5 out of 5-star rating on Google Reviews, based on 79 reviews. L.J. Ross Associates is HIPAA, PCI DSS, ISO 27001, and SOC compliant.

L.J. Ross Associates has been the subject of at least 40 federal lawsuits over the years. Many of these cases involve allegations that the company violated the Fair Debt Collection Practices Act or the Fair Credit Reporting Act.

In one case, called Rosen v. LJ Ross Associates, a federal judge in New York awarded statutory damages to the plaintiff after the court found that L.J. Ross Associates had violated the FDCPA by using improper debt collection letters.

In another case, called Rosenthal v. L.J. Ross Associates, the estate of a deceased consumer brought a class action lawsuit against the company. The estate alleged that L.J. Ross Associates had violated the FDCPA by sending debt collection letters with contradictory instructions about how to dispute the debt. Many consumer complaints make similar allegations.

Why is L.J. Ross Associates Calling Me?

L.J. Ross Associates calls people in an attempt to collect debts. They seem to focus primarily on utility debts and medical debts, but they may collect other types of debts as well. In particular, people have complained that L.J. Ross Associates has contacted them about debts owed to the following companies:

FirstEnergy
MetEd
ComEd
PECO
Detroit Medical Center
Henry Ford Health System

L.J. Ross Associates may also try to collect government debts, such as parking tickets or other municipal fines, under a GSA federal contract.

Sometimes, the debts that L.J. Ross Associates tries to collect can be quite small. For example, one complainant on EveryCaller reported that L.J. Ross called them about a $34 electric bill. Another complainant on WhoCallsMe reported that the company called them about a $20 medical bill. A third complainant on 800notes reported that L.J. Ross called them about a $14.07 utility bill that a renter failed to pay in a timely manner.

Some people have complained that L.J. Ross called them even though they had no connection to the debt. For example, one complainant on 800notes reported the following:

“I got calls from this number at least twice a day for the past 7 months. I finally called them back. Its lj ross and they were looking for someone I’ve never heard of.”

Another complainant on EveryCaller reported a similar experience:

“The caller I.D. said Potential SPAM but hell I had to know who this was so I googled the number and called. They asked for someone names Alvavior so and so. NOPE! My name is Arnold!”

Even minors aren’t immune to calls from L.J. Ross. For example, one complainant on 800notes reported the following:

“I’m 17 and I have no idea how this company got a hold of my number, but they did. Every day while I’m at school I get a call from this number. They are asking me to pay a debt. I’m 17 I have no debt.”

The phone number for L.J. Ross Associates is 800-530-3790. They have been making calls from this number since at least December 2014.

What Happens When You Answer a Call from L.J. Ross Associates?

Unfortunately, calling patterns from L.J. Ross Associates can be pretty annoying. People report that the company calls them once or twice every day, often around the same time each morning (including weekends). When you answer the call, the line often goes dead or hangs up right away. If you miss the call, the company won’t leave a voicemail.

For example, one complainant on EveryCaller described the calls this way:

“They call twice, five minutes apart, EVERY morning just before 9 am.”

Another complainant reported:

“They call me every stinkin’ day. They NEVER leave a message. It’s just my daily ignore call.”

A complainant on the BBB website reported a similar experience in 2024:

“[L.J. Ross] calls my home daily and when I answer, they hang up. When I don’t answer, they don’t leave a message.”

Why the hang-ups and lack of voicemails? It’s likely because L.J. Ross Associates is using an automated dialing system to make the calls. When the system connects with your line, it may not have an available representative to talk to you, so the line simply goes dead. This type of calling behavior is frustrating and may violate the FDCPA.

What Happens When a Live Representative from L.J. Ross Answers the Phone?

Some people report that when they answer a call from L.J. Ross, the representative on the phone immediately asks for personal information without explaining the purpose of the call. For example, multiple complainants across different websites report that the representative asked for a Social Security number or the last four digits of a Social Security number without explaining why they needed the information.

For example, one complainant on 800notes reported the following:

“They asked for my social and I didn’t give it to them. I have great credit and my only debt is my home mortgage.”

Representatives from L.J. Ross have been described as rude, pushy, and unhelpful. For example, one complainant on ShouldIAnswer reported that a representative from L.J. Ross named Pablo immediately starts asking questions, very rude, needs customer service training. Another complainant on ShouldIAnswer reported that a caller from L.J. Ross asked whether the consumer had lived at a particular address and then hung up when the consumer refused to answer.

A complainant on the BBB website reported in 2025 that a L.J. Ross representative pressured her for more than 30 minutes to pay a $400 debt that the representative described as a formal dispute. The representative denied the consumer’s request to speak with a supervisor.

Don’t talk to a debt collector on the phone. Instead, insist that all communication happen in writing.

Why You Should Never Pay a Collection Agency

If you’re being contacted by L.J. Ross Associates, you might be tempted to pay the debt that they say you owe. However, you should approach the situation with caution for several reasons.

Paying a Debt Collection Agency Won’t Help Your Credit Report

When you pay a collection account, the account doesn’t get removed from your credit report. Instead, the credit reporting agency will update the account to show that it’s been paid. This means that the account will still remain on your credit report for up to 7 years. The clock starts ticking when the original account goes into delinquency. Paying the debt won’t restart or shorten the clock.

Since paying the debt won’t shorten the amount of time it stays on your report, there’s no practical reason to pay it in hopes of improving your credit score. When people pay debts that have gone to collection, they’re often surprised to find that their credit score doesn’t improve much. That’s because the damage is already done. Once a collection account goes on your credit report, you’ll suffer the worst of the credit damage, regardless of whether you pay it or not.

Your Credit Report May Already Contain Errors

Research has shown that up to 79% of credit reports contain errors. This means that if L.J. Ross Associates is reporting a collection account on your credit report, there’s a possibility that the information is incorrect. For example, the balance, date of delinquency, or account holder name may be wrong.

In fact, several complainants on the BBB website in 2024 reported that L.J. Ross Associates put incorrect information on their credit reports. For example, one consumer reported that L.J. Ross put a collection on her credit report for a hospital that she had never visited. She verified with the hospital that she had no outstanding balance.

Another consumer reported that L.J. Ross reported a debt to two of the major credit reporting agencies but couldn’t verify that the consumer owed the debt. When the consumer called to dispute the debt, the representative threatened to sue instead of investigating.

How to Protect Yourself

When you’re dealing with a debt collection agency, it’s essential to protect yourself. Here are some tips.

Never Trust Verbal Promises from a Debt Collector

When you talk to a debt collector on the phone, they may promise you the world. However, these promises are unenforceable unless you get them in writing before you make a payment. Always insist that debt collectors communicate with you in writing before you pay a debt. It’s the best way to protect yourself and ensure that the debt collector keeps their promises.

Don’t Be Afraid to Dispute the Debt

Many people who have dealt with L.J. Ross Associates report that the company removed the debt from their credit reports without requiring payment. You don’t have to pay a collection account for it to be removed from your report. Instead, you can dispute the debt with the credit reporting agency.

The Fair Credit Reporting Act requires credit reporting agencies to ensure that the information on your report is accurate and substantiated. That means that if a debt collector places an account on your credit report, the collector must be able to show that the information is accurate and that you owe the debt. If the debt collector can’t meet this burden, the credit reporting agency must remove the account from your report.

Sometimes, all it takes to get a debt collector to remove an account is to dispute it and force the collector to verify.

Let Us Help You

A professional credit repair company like ours can help you navigate this process and ensure that your credit report is accurate and substantiated. We can communicate with the credit reporting agency and the debt collector on your behalf, saving you time and hassle, and ensuring that you get the best outcome.

Let us help you fight debt collectors and clean up your credit report today.