Who Called From 517-544-9100?
Short answer: 517-544-9100 is a number used by L J Ross Associates, Inc. (L J Ross Associates, Inc.), a medical debt collector based in Jamestown, NY — nyc department of consumer affairs (predecessor to dcwp) debt-collection license 2100000-dca on file, address of record in jackson, mi. They are almost certainly trying to collect a debt, most often medical/healthcare debt. You are not required to answer or say anything — and you have the right to demand written proof before you pay a cent.
Whose Number Is 517-544-9100?
The number 517-544-9100 is used by L J Ross Associates, Inc. (nyc department of consumer affairs (predecessor to dcwp) debt-collection license 2100000-dca on file, address of record in jackson, mi), a medical debt collector in Jamestown, NY. For the full company profile — ownership, history, and known aliases — see our complete L J Ross Associates, Inc. guide. This page focuses on the calls coming from 517-544-9100 specifically.
About this specific number
- 📞 Number: 517-544-9100 (area code 517, ending in 9100)
- 📍 Line type: Direct-dial — resolves to the 517 area code.
- 🏢 Operator: L J Ross Associates, Inc., a medical debt collector in Jamestown, NY.
- 🔢 Related lines: L J Ross Associates, Inc. is documented using 1 number in our directory, so calls may also come from other digits.
517-544-9100 is a direct-dial number tied to the 517 area code, which is why the call may have appeared "local" on your caller ID even though L J Ross Associates, Inc. operates out of Jamestown, NY.
Some carriers display 517-544-9100 under a spoofed or neighboring city name. Do not trust the on-screen label — trust the written validation you request from L J Ross Associates, Inc..
On your caller ID, in voicemails, or in letters, this company can also appear as: L J Ross Associates, Inc..
Why Is L J Ross Associates, Inc. Calling Me From 517-544-9100?
In our directory, 517-544-9100 is tracked as a nyc department of consumer affairs (predecessor to dcwp) debt-collection license 2100000-dca on file, address of record in jackson, mi for L J Ross Associates, Inc., which typically collects medical/healthcare debt. A call from 517-544-9100 usually happens because:
- ✅ An original account (a medical/healthcare debt, for example) went unpaid and was charged off by the creditor.
- ✅ The account was placed with L J Ross Associates, Inc. to collect on behalf of the original creditor.
- ✅ L J Ross Associates, Inc. is now dialing you from 517-544-9100 and possibly other lines to reach a resolution.
Calls from 517-544-9100 often come right after a billing cycle closes. Some people report that 517-544-9100 calls once and hangs up, then tries again from a different L J Ross Associates, Inc. line hours later. A single missed call is not proof of a valid debt. When 517-544-9100 shows up on your caller ID, it is worth checking whether the L J Ross Associates, Inc. account also appears on your credit report. A phantom call with no tradeline may signal an unvalidated or misrouted debt. Bottom line — make L J Ross Associates, Inc. prove the medical/healthcare debt in writing first.
Important: a phone call — even from a real number like 517-544-9100 — does not prove you owe the debt, that the amount is correct, or that L J Ross Associates, Inc. can legally collect it. That is exactly why your validation rights matter.
What NOT to Say If You Answer 517-544-9100
Anything you say to L J Ross Associates, Inc. can be used to collect. Protect yourself — avoid these common mistakes on the call.
Don't admit the debt is yours
When 517-544-9100 calls, saying "yes, that's mine" or apologizing can be treated as acknowledging the debt — which may reset the statute of limitations. Neither confirm nor deny until you've seen written validation from L J Ross Associates, Inc..
Don't agree to a payment on the spot
A single payment to L J Ross Associates, Inc. — even a small "good-faith" one — can restart the clock on an old debt and make it collectable again. Never authorize a payment over a call from 517-544-9100.
Don't give bank or card details
Do not read out your bank account, debit, or credit card number to anyone calling from 517-544-9100. Any legitimate L J Ross Associates, Inc. resolution can be handled in writing after validation.
Don't confirm personal information
Avoid confirming your SSN, date of birth, employer, or address to the 517-544-9100 caller. If it truly is your L J Ross Associates, Inc. account, they should already have what they need and must prove it.
What To Do If 517-544-9100 Keeps Calling
Here are concrete next steps for this specific L J Ross Associates, Inc. line. Work through them in order — each one strengthens your position before you ever discuss the debt.
- 1
Save 517-544-9100 as a contact labeled "L J Ross Associates, Inc. — do not answer" so you can screen future calls with confidence.
- 2
Do not return the call to 517-544-9100 until you have the account details in writing — a call-back can be treated as engagement.
- 3
Ask, in writing, that L J Ross Associates, Inc. identify the original creditor behind the 517-544-9100 calls and the date the debt was opened.
Your Rights When L J Ross Associates, Inc. Calls From 517-544-9100
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) give you real leverage. Here is the debt-validation playbook we use at Crowned Credit.
1. Demand Debt Validation (FDCPA §809)
Within 30 days of first contact, send L J Ross Associates, Inc. a written debt-validation letter. They must prove the debt is yours, the amount is right, and they have the legal authority to collect — or stop collecting.
2. Dispute With the Bureaus (FCRA §611)
If L J Ross Associates, Inc. reported a tradeline, dispute it with Equifax, Experian, and TransUnion. They have 30 days to investigate; unverifiable items must be corrected or deleted.
3. Log the Calls
Write down every call from 517-544-9100: date, time, and what was said. Repeated calls, calls at odd hours, or threats can be FDCPA violations — and leverage for you.
4. Send a Cease-and-Desist
You can demand in writing that L J Ross Associates, Inc. stop calling you entirely. The calls must stop, even though they may still report or pursue other legal steps.
5. Check the Statute of Limitations
Every state limits how long a collector can sue on a debt. If the debt is time-barred, L J Ross Associates, Inc. generally cannot win a lawsuit — and a payment could dangerously restart that clock.
6. Know the Anti-Harassment Rules
The FDCPA bars L J Ross Associates, Inc. from calling before 8am or after 9pm, threatening you, or lying about the debt. Each violation may entitle you to statutory damages.
How Crowned Credit Helps With Calls From 517-544-9100
We investigate the specific L J Ross Associates, Inc. account behind the calls, assert every applicable right, and work it with all three bureaus and the collector directly — no cookie-cutter form letters.
Review & Validate
We pull all three bureau reports, find every error tied to the L J Ross Associates, Inc. account, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and to L J Ross Associates, Inc.. When they fail to investigate properly, we escalate to the CFPB and, where warranted, attorneys.
Track & Build
We monitor the outcome and coach you on rebuilding once inaccurate items are addressed. Results vary by profile.
Or call us directly at 336-310-0090. Results vary based on your individual credit profile.
517-544-9100 — Frequently Asked Questions
Who is calling me from 517-544-9100?
517-544-9100 is a direct-dial line associated with L J Ross Associates, Inc. (also seen as L J Ross Associates, Inc.), a medical debt collector headquartered in Jamestown, NY. The number resolves to the 517 area code. If you received a call from 517-544-9100 — often showing the last four digits 9100 on your screen — it is very likely L J Ross Associates, Inc. attempting to reach you about a debt they say you owe, most often medical/healthcare debt.
Is 517-544-9100 a scam number?
L J Ross Associates, Inc. is a real, registered company, and 517-544-9100 is a documented line tied to it. That said, scammers do "spoof" the caller ID of well-known collectors like L J Ross Associates, Inc., so the number showing on your screen is not proof of anything. Never give payment or personal information based on a phone call alone. Ask for the caller's name, company, and a written validation notice before you discuss any debt.
Do I have to answer or call back 517-544-9100?
You are not legally required to answer 517-544-9100 or call L J Ross Associates, Inc. back. In fact, it is usually smarter to say nothing on the phone and instead demand everything in writing. Under the FDCPA, once you send a written debt-validation request, L J Ross Associates, Inc. must pause collection until it mails you proof of the debt.
Why is L J Ross Associates, Inc. calling me about medical/healthcare debt?
A call from 517-544-9100 usually means an original medical/healthcare debt went unpaid and was placed with L J Ross Associates, Inc., which dials this line to collect on the original creditor's behalf. The account may have aged or changed hands more than once, so demand the full paper trail before you accept the balance as accurate.
Can I stop L J Ross Associates, Inc. from calling 517-544-9100?
Yes. The FDCPA lets you send a written cease-and-desist demand telling L J Ross Associates, Inc. to stop contacting you by phone. They can still report to the bureaus or pursue other legal steps, but the calls from 517-544-9100 and any related lines must stop. This is a useful way to end harassment while you build your dispute.
Should I pay the debt L J Ross Associates, Inc. is calling about?
Do not pay anything based on a call from 517-544-9100 until the debt is validated. Once you confirm the debt is yours, accurate, and still within your state's statute of limitations, you can consider a written pay-for-delete arrangement. Paying an unverified or time-barred debt can restart the clock and lock in a negative mark. Get a free assessment first.
More About L J Ross Associates, Inc.
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