L J ROSS & ASSOCIATES and L J ROSS ASSOCIATES INC Scam with credit report to try to collect money that is not owe. Scam company trying to make money from people Jackson Michigan

 First of all, DUH! When you are referred to a collection agency they have to by law, inform you of the debt right away. You then have 30 days to dispute the validity of said debt. If you do not dispute it and they have not been successful collecting said debt, then they will absolutely report your delinquent account and balance to the credit bureaus. Will you pay it then? They are hoping you will! If they did not report your balance to your credit, then why on earth would you pay it? Yes, it is a tool that they use. It also lets other creditors know how you are with paying your bills. Suggestion: pay them. More than likely, you owe it. They collect for hospitals and utility companies. If you don't think you owe it, you should have disputed it. I can guarantee that the original creditor made numerous attempts to reach you BEFORE sending you to collections. ALSO, L J Ross does not report right away. There is usually a 30-90 day waiting period. In that first 30-90 days, they will call you at least 3 times a week. So again, you have plenty of time to dispute the validity of ANY debts from any collection agency. In addition, please use your spell check. A couple of misspelled words may be forgiven....but come on!! It was painful reading your post. That's all....I'll get off my soap box.