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KKP

LJ Ross Collection Activity

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So, LJ Ross has a bad item for Consumers Energy listed on my credit report as collections. I did some research on found out the account belonged to my ex and was subsequently transferred to me upon divorce. I'm not sure how to handle this. Bad item is reporting to all three CRA's. Any suggestions?!

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Was it in the divorce decree that it was transferred to you? I am assuming you are in Michigan?

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Was it in the divorce decree that it was transferred to you? I am assuming you are in Michigan?

No it wasn't in the decree. I checked that also. In fact it's in the decree that he owes money back to me for somehow taking a tax refund that was due to me and forging my name to the check and cashing it. Yes I am in Michigan

Edited by KKP

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Then send them a real stern letter letting them know that you are not responsible for her debts, and they are in violation of the FDCPA, FCRA, MCPA (Michigan Collection Practices Act), MOC (Michigan Occupational Code), and MCPA (Michigan Consumer Protection Act), among other statues. And that according to Keift v. North Ottawa Hospital (a Michigan case), you are not responsible for her debts, and therefore refuse to pay for them. And that by LJ, Consumers or anyone else attempting to collect, and/or report said debt to your credit report, they are in violation.

 

I am in Michigan, and have dealt with this very issue.

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Then send them a real stern letter letting them know that you are not responsible for her debts, and they are in violation of the FDCPA, FCRA, MCPA (Michigan Collection Practices Act), MOC (Michigan Occupational Code), and MCPA (Michigan Consumer Protection Act), among other statues. And that according to Keift v. North Ottawa Hospital (a Michigan case), you are not responsible for her debts, and therefore refuse to pay for them. And that by LJ, Consumers or anyone else attempting to collect, and/or report said debt to your credit report, they are in violation.

 

I am in Michigan, and have dealt with this very issue.

Should I send the letter to the OC or the CA?! The info that I researched came from the OC.

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Then send them a real stern letter letting them know that you are not responsible for her debts, and they are in violation of the FDCPA, FCRA, MCPA (Michigan Collection Practices Act), MOC (Michigan Occupational Code), and MCPA (Michigan Consumer Protection Act), among other statues. And that according to Keift v. North Ottawa Hospital (a Michigan case), you are not responsible for her debts, and therefore refuse to pay for them. And that by LJ, Consumers or anyone else attempting to collect, and/or report said debt to your credit report, they are in violation.

 

I am in Michigan, and have dealt with this very issue.

Should I send the letter to the OC or the CA?! The info that I researched came from the OC.

 

 

I would send it to LJ Ross, CMRRR, and make it a very stern letter. If I were you, I would pull some of the verbiage out of the case I quoted and put it in the letter. Then make a complaint with the Michigan Attorney General, the BBB, and the CFPB with Consumers Energy.

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Then send them a real stern letter letting them know that you are not responsible for her debts, and they are in violation of the FDCPA, FCRA, MCPA (Michigan Collection Practices Act), MOC (Michigan Occupational Code), and MCPA (Michigan Consumer Protection Act), among other statues. And that according to Keift v. North Ottawa Hospital (a Michigan case), you are not responsible for her debts, and therefore refuse to pay for them. And that by LJ, Consumers or anyone else attempting to collect, and/or report said debt to your credit report, they are in violation.

 

I am in Michigan, and have dealt with this very issue.

Should I send the letter to the OC or the CA?! The info that I researched came from the OC.

I would send it to LJ Ross, CMRRR, and make it a very stern letter. If I were you, I would pull some of the verbiage out of the case I quoted and put it in the letter. Then make a complaint with the Michigan Attorney General, the BBB, and the CFPB with Consumers Energy.

Awesome. I'm going to draft the letter this evening and then I'll post it for you to review. And after which, I'll fire off the complaints.

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