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LJ Ross Privacy & Security Notice
L J Ross Associates, Inc. believes that maintaining the privacy and confidentiality of an individual’s personal information is important. We provide the following privacy policy (the “Privacy Policy”) in order to demonstrate our commitment to privacy. L J Ross Associates, Inc. may need to change this Privacy Policy from time to time in order to address new issues and to reflect changes on our Site. Please refer back to this Privacy Policy regularly because your use of the Site signifies that you agree to be bound by the terms and conditions of this Privacy Policy, as amended from time to time.
(1) A consumer has the right to request that the business disclose the following:
- The categories of personal information we collect;
- The categories of sources from which the personal information is collected;
- The purpose for collecting the personal information;
- The categories of third parties with whom the business shares personal information; and
- The specific pieces of personal information we have collected, disclosed, or sold.
Such a request can be made to L J Ross Associates, Inc. at 1-844-348-1739 or by email to compliance@ljross.com. Once we receive your request, we will compare information you provided with the information we already have. If we can verify that the request came from you, we will provide the required information. We will match 2-3 identifying, personal information data points to verify that the request came from you. If we cannot verify that the request came from you, we will notify you.
(2) We typically collect the following categories of personal information about a consumer for debt collection purposes only: (a) health insurance information, which we obtain from the consumer’s creditor or the consumer, if we are collecting medical debt; (b) personal identifying information, like name, address and account number, as well as other identifying information, which we obtain from the consumer’s creditor, credit reports and other skip trace tools, and the consumer; (c) characteristics such as age, gender, etc., which we obtain from the consumer’s creditor and consumer’s credit report; (d) retail information, which we obtain from the consumer’s creditor and the consumer’s credit report; (e) internet activity regarding online payments, which we collect if the consumer visits our website or payment portal; (f) geolocation data, which we obtain from process servers; (g) recordings, which are made when the consumer has a telephone conversation with us; (h) professional and employment related information, which we obtain from the consumer, consumer’s creditor, credit reporting agencies, and other skip trace sources; and (i) educational information, which we obtain from the consumer’s creditor, credit reporting agencies, and other skip trace sources.
(3) We do not sell any personal information to third parties. We do disclose information to credit reporting agencies.
For California Residents:
(4) The California Consumer Privacy Act provides for the right for consumers to request deletion of their information, subject to various exceptions. The information that L J Ross Associates, Inc. has, generally falls within an exception and does not have to be deleted upon request. Nonetheless, such a request can be made to L J Ross Associates, Inc. at 1-844-348-1739 or by email to compliance@ljross.com. Once we receive your request, we will compare information you provided with the information L J Ross Associates, Inc. already has. If we can verify that the request came from you, we will provide the required information. We will match 2-3 identifying, personal information data points to verify that the request came from the consumer. If we cannot verify that the request came from the consumer, we will notify the consumer.
(5) The California Consumer Privacy Act also provides for the right to opt out of the sale of personal information. However, we do not sell personal information.
(6) The consumer has a right not to receive discriminatory treatment by us for the exercise of the privacy rights conferred by the California Consumer Privacy Act.
(7) A consumer can designate an authorized agent to make a request under the California Consumer Privacy Act. The consumer must provide either a power of attorney or written authorization.
(8) Questions regarding this Privacy Policy should be directed to compliance@ljross.com
Revised on 2/5/2020
Our History
L J Ross Associates is a certified Women's Business Enterprise (WBE) founded in 1992 with a passion to help companies successfully manage their revenue recovery programs and providing the best customer service possible as an extension of your business.
L J Ross entered the debt collection industry by providing check collection and check verification services to retailers. Since then, L J Ross has expanded its operations into all major accounts receivable verticals including into the governmental (1994), utility industry (1996), medical industry (2001), commercial (2002), financial industry (2002), and educational industry (2006). In addition, L J Ross licensed to perform collection services in all 50 states and locales requiring such licenses, making us capable to serve your needs nationwide.
We train our representatives to use the most ethical and consumer-friendly practices, helping to maintain the relationship that you have built with your customers, while also providing our clients with the results they need.
We offer industry leading technology along with proven recovery results providing superior results for our clients. For over 28 years, L J Ross has focused on people, priorities, performance and commitment. Our services have proven to be effective by increasing communication and revenue, reducing operational costs and ensuring better customer relationships.
Our Core Values
Our Core Values guide every decision and interaction in how we conduct business, and they shape our office culture as well.
- AGILITY
- INTEGRITY
- DIVERSITY
- ENGAGEMENT
- TENACITY
Our People
Our greatest asset is our highly skilled people and the collective knowledge we share. Each team member desires a sense of dignity, pride, and satisfaction in what we do. We believe we are most effective when we work as a team, respecting each other’s contribution and importance.
In the Community
L J Ross believes in making a difference in the community and giving back. We are committed to supporting all of our communities across the country. We strive each and every day to make our community a better place with our generosity of spirit and commitment to helping others.
Just a few of L J Ross’ community partners include the Big Brothers Big Sisters, Adopt-A-Highway, United Way, American Cancer Society, Highfields, AWARE and Challenge Day.
