Who Is 8338614044 (+ How Are They Hurting My Credit Score)

The phone number 833-861-4044 likely belongs to LJ Ross Associates, a debt collection agency, but it could also be a scam. You should avoid engaging with the caller directly, whether they are legitimate or not. You don't have to pay any debt immediately if you have doubts or if the details are unclear.

Here’s what you should do next:
- Pull your credit report and check for any inaccurate, negative items that could hurt your score.
- Call us (The Credit Pros) for a free 3-bureau credit report evaluation.
- If you find any collection or negative item from this caller, it might be a legitimate debt, but it’s still not worth responding to directly.
- Block the number to avoid further calls.
- We can help you verify any debt from this caller and dispute potentially inaccurate items to improve your financial prospects.

To sum up - if you get a call from 833-861-4044, don’t engage directly. Instead, check your credit report, call us for an evaluation, and block the number. We’re here to help clear up any confusion and ensure your financial health is protected.

To stop 833-861-4044 from harassing you, try these steps:

First, keep a log of unwanted calls, noting dates, times, and any abusive language. Then, register your number on the Do Not Call Registry at DoNotCall.gov.

Next, file a complaint with the FCC for illegal robocalls at fcc.gov/complaints and report Do Not Call Registry violations to the FTC at ReportFraud.ftc.gov.

Block the number using call-blocking apps like 'Call Blocker - Stop spam calls’ for Android or 'Robokiller: Spam Call Blocker' for Apple. You can also contact your phone service provider for call-blocking options.

If harassment escalates, consider getting a restraining order, consulting a harassment lawyer, or sending a cease and desist letter using templates from eforms.com/cease-and-desist.

Report the number to the Consumer Financial Protection Bureau (CFPB) online at consumerfinance.gov/complaint, by phone at (855) 411-2372, or by mail to their Washington, DC address.

To wrap things up, log the calls, register on the Do Not Call Registry, file complaints, block the number, and consider legal actions if necessary.

You should block 8338614044 to stop unwanted contact. Ignoring the number won't prevent them from reaching out, which can be annoying and stressful. Blocking it will ensure they can't disturb you anymore.

If 8338614044 is from a debt collector harassing you, blocking them is a wise move. Ignoring the calls won't impact your credit score directly, but existing collections will remain on your report.

To handle negative items on your credit report, work with a reputable credit repair company. They can assist you in addressing inaccuracies and disputes, which will help you maintain or improve your credit score.

Here's what you can do:
• Block 8338614044 to ensure they can't contact you.
• Consult a credit repair company to address any credit report issues.
• Feel reassured knowing blocking them won’t hurt your credit score.

In the end, by blocking 8338614044, you reduce stress and prevent further harassment, and a credit repair company can help you handle any credit report disputes.

A debt collector like 8338614044 can sue you, but it’s very unlikely. Suing is usually a last resort. Here’s why:

• Proof of Debt: They must show you owe the debt, the amount is correct, and they have the right to sue. This is tough if the debt has been sold multiple times.
• Cost and Effort: Lawsuits are expensive and time-consuming. Often, it's cheaper for them to settle out of court.
• Statute of Limitations: Each state has a time limit for suing over debt. If the debt is old, a lawsuit might be impossible.
• Amount Owed: Suing makes sense for debts over $5,000, where the cost of suing is worth it.

Debt collectors prefer calls and letters to collect money. If they sue, you’ll get a court summons and complaint. Respond to avoid default judgment, which could lead to wage garnishment or bank levies.

You have rights under the Fair Debt Collection Practices Act (FDCPA) against abusive practices. If sued, consult an attorney to explore your defenses.

As a final point, remember that it's very unlikely for a debt collector like 8338614044 to sue you, but you should be aware of your rights and respond appropriately to avoid default judgments.

8338614044 might have your personal information, but you should not provide any details to debt collectors like this one. You should avoid picking up when they call because engaging can lead to stress and potential scams. Instead, here's what we advise you to do:

- Obtain your 3-bureau credit report to understand your current credit status.
- Begin building a comprehensive plan to improve your credit.
- Work with a reputable credit repair company. They can efficiently and professionally handle inaccuracies or disputes on your credit report.

Protecting your personal information is crucial. You should block the number to avoid further unwanted contact. We understand this is stressful, but taking these steps can help you regain control over your financial situation.

Bringing it all together - block the number, review your credit reports, and work with a trusted credit repair company to manage inaccuracies and disputes. This approach will help you protect your information and get back on track.

LJ Ross Associates, connected with the phone number 8338614044, collects various types of debt. You might find yourself dealing with outstanding medical bills, overdue utility payments, unpaid telecommunications bills, unsettled credit card balances, or past-due personal or auto loans.

They act on behalf of creditors without representing any specific brands.

All things considered, understanding the types of debt collected by 8338614044 helps you navigate your financial responsibilities more effectively.

To check if you owe money to 8338614044, start by following these steps:

First, check your records. Look through past bills, account statements, and receipts to find any unpaid balances or unresolved debts.

Next, review your credit report by visiting annualcreditreport.com for a free credit report. Carefully examine it for any debts listed under your name.

If you find the debt on your credit report, request debt validation. Contact the collections agency to validate the debt and ensure it’s accurate and legally enforceable. This step helps confirm if the debt is legitimate.

Avoid calling the number directly. Instead, gather as much documentation as you can before making any contact.

You may want to consult a consumer protection lawyer if you feel harassed. A lawyer can help you understand your rights and legal options.

Lastly, stay proactive and verify everything to avoid scams. Gather your documents, check your credit report, and seek professional help if necessary. We’re here to support you every step of the way.

Debt collection laws like the Fair Debt Collection Practices Act (FDCPA) and state-specific laws protect you from unfair and abusive practices by collectors like those from 8338614044. Here’s what you should know:

Under the FDCPA:
• Collectors cannot call you before 8 AM or after 9 PM.
• They can't call you at work if your boss disapproves.
• Harassment, including abusive language, threats, or repeated calls, is prohibited.
• Collectors must identify themselves and provide details about the debt.

State laws might offer extra protections, such as stricter licensing requirements. Debt collectors must follow both federal and state regulations.

Your rights allow you to:
• Receive a written validation notice with the debt details and your rights.
• Dispute the debt in writing within 30 days to halt collection until verification.
• Request that collectors stop contacting you through a written letter, barring specific exceptions.
• Take legal action if collectors violate the rules, allowing you to sue within one year for damages and attorney fees.

You should report any violations to the FTC, CFPB, or your state's attorney general for enforcement.

Finally, these laws and regulations are your shield against unfair practices, helping you handle debt collection issues legally and calmly. If you need more support, consulting a legal professional can be a wise step.

Yes, LJ Ross Associates has faced lawsuits and numerous official complaints.

Lawsuits:
1. Class Action Lawsuit with Advocate Aurora Health: Filed on May 23 by attorney Michael Drew, this lawsuit accuses LJ Ross Associates of improper tactics to collect unpaid medical bills, even after the debt had been charged off. The lawsuit was filed in Cook County Circuit Court on behalf of Ashley Vela and possibly other patients under similar circumstances.

Complaints:
1. Fair Debt Collections Practices Act (FDCPA) Violations: They have been involved in cases for violating FDCPA regulations.
2. Better Business Bureau (BBB) Complaints: As of 2022, there have been 101 complaints in three years, mentioning issues like hanging up on consumers, reporting incorrect debts, and failing to validate debts.
3. Consumer Financial Protection Bureau (CFPB) Complaints: Over the past ten years, there have been 334 complaints, detailing harassment and poor debt collection practices.

You are not alone if you feel frustrated by their tactics. It’s important to understand your rights under the FDCPA to protect yourself.

In closing, LJ Ross Associates has had multiple lawsuits and many complaints against them. Make sure you know your rights and take necessary actions if you encounter issues.

People online have various opinions about the phone number 8338614044. Here are some specific quotes from different users:

- Toby C. wrote: 'Almost daily calls, only rings a few times and stops. If answered, immediately hangs up. No message, no identification, no demands. I filed an FCC complaint.'
- KVC reported: 'Block this number. Scammers try to get money.'
- Investigator FTC DNC Spamlist commented: 'Calls pretending to be government, businesses, or family and friends received in Meno falls, Wisconsin.'
- qunibi mentioned: 'I'd like to be notified about updates on this number.'

You will find that these quotes point towards the number being associated with harassment calls. People report frequent hang-ups, a lack of identification, and attempts to scam money. Some users have even filed complaints with the FCC due to harassment.

We advise you to block this number to avoid unwanted calls. If these calls continue, you should report them to the appropriate authorities.

Overall, blocking 8338614044 will help you avoid scams and unnecessary harassment. Be proactive and protect yourself by reporting any persistent issues to the FCC.

Yes, you should consider removing 8338614044 from your credit report if you believe it's inaccurate. Addressing these entries yourself can be time-consuming. Instead, we advise you to seek help from a reputable credit repair company. Many typical credit repair companies are unreliable, so choose carefully. A good credit repair company, like The Credit Pros, can significantly increase your chances of removing potentially inaccurate negative items from your report. This step may improve your credit score and reduce the stress of dealing with debt collectors like LJ Ross Associates.

Here's what you should do:

• Confirm the collection is truly on your credit report.
• Verify if the information reported is inaccurate.
• Avoid engaging with poorly rated credit repair companies.
• Consider working with a reputable company like The Credit Pros for the dispute.

As a final point, you should handle these inaccuracies carefully to save time and reduce stress. Confirm the collection, verify the inaccuracies, and work with a trusted credit repair company like The Credit Pros to improve your credit score efficiently.

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Every number you see below is separate number that ‘Collection’ uses to attempt to collect a potentially inaccurate debt on your credit report and/or spam you.

• 8338614044
• 8338105067