F.H. Cann & Associates Inc or FHC is a third-party debt collection agency based in Massachusetts. FHC has received complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including failing to verify debts and using false or misleading language in an effort to collect a debt. If you have been contacted by FH Cann & Associates, make sure you understand your rights before taking action.
The harassing company pays our fees.
They’re legit. According to the BBB, F.H. Cann & Associates, Inc. is a legitimate collection agency, founded and incorporated in 1999. The BBB established FHC’s profile page in 2004. FHC is listed as a collection agency. Buzzfile estimates FHC’s annual revenue at $11.6 million and the sizeof its headquarters staff at 73 employees. The BBB estimates the size of its entire staff at 124 employees.
According to its website, F.H. Cann & Associates “has been a national leader in providing…clients with compliant, best-in-class recovery rates… and is dedicated to providing solutions to…the most difficult accounts receivable.” In addition, FHC “utilizes the latest technology the collection industry has to offer…to maintain both a competitive advantage and a high level of compliance and recoveries.”
F.H. Cann & Associates collection services include “nationwide default prevention, debt collection, and account resolution solutions” designed to deliver “top-rated recovery performance for the most complex and challenging collection projects.” FHC cites its customer care, “best in class service,” and advanced technology as its distinguishing characteristics.
F.H. Cann & Associates collects delinquent debts for “a wide range of industries including federal, state, and local government, as well as educational and financial institutions.” FHC specializes in “the resolution of severely delinquent and defaulted accounts receivable.”
F.H. Cann & Associates Compliance & Quality Assurance page cites many policies designed to ensure adherence to accepted standards, including compliance with federal and state regulations; state-of-the-art SaaS (Software-as-a-Service); systematic call monitoring; internal audit controls; proactive handling of customer complaints; and continuous review mechanisms. Their Consumer Resources page includes links to websites for the Department of Education, FFELP Student Loans, and the SALTMoney.org financial literacy program.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
The BBB has closed 16 complaints against F.H. Cann & Associates in the preceding three years, with 4 complaints closed in the past 12 months. Most Of those complaints allege problems with billing and collections.As of May 2015, the Consumer Financial Protection Bureau (CFPB) has closed 4 complaints against FHC. Justia lists at least 3 cases of civil litigation involving FHC.
F.H. Cann & Associates, Inc.
1600 Osgood Street, Suite 2-120
North Andover, MA 01845
Telephone: (877) 750-9800
Website: https://www.fhcann.com/
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely FHC would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Absolutely. You can sue a debt collector. Here are some Sample Complaints
Complaints against F.H. Cann & Associates commonly cite problems resulting from poor accounting and billing documentation, as well as poor communication tactics. In November 2017, a complainant indicated he had been trying to resolve a student loan debt that had been sent to FHC for collection. To avoid wage garnishment, the complainant sent several income statements, and FHC had been deducting payments from his checking account for about 6 months. For some reason, the automatic withdrawals stopped, so the complainant contacted FHC to find out what the problem was FHC indicated they wanted the complainant to fill out additional paperwork because they had calculated his earnings incorrectly. The FHC representative asked how the complainant would like to be contacted, and he indicated his preference for email. The FHC representative indicated they would forward the required paperwork within 10 minutes, but the complainant never received it. He continued making inquiries via email, and has documentation showing his messages were read, but as of the date of the complaint, he had not heard anything further. He is concerned that his diligence in trying to repay the loan is being complicated with delays that will increase interest and costs associated with the loan.
In response, F.H. Cann & Associates indicated that despite previous communication, they were unable to “provide the Financial Disclosure Statement form via email.” However, they assured him they had sent it by postal mail. They also indicated that the representative he had spoken with had not been informed about their policy preventing sending financial documentation via email. They also indicated they had made an attempt to call the complainant to confirm that he had received the forms that had been sent by postal mail but had been unable to reach him. The complainant rejected this attempted resolution, indicating he had specifically agreed with FHC to communicate only via email precisely because of past communication and documentation errors, and had followed the directions they had supplied to ensure they had his signed disclosure allowing email communication. His attempts at communicating via fax were also unsuccessful, and although he had a record of their phone call, they had failed to leave a voicemail message. He concluded by stating his frustration with F.H. Cann & Associates’ failure to fulfill its responsibilities, all of which was resulting in increased “collection costs” that were being tacked onto his loan.
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
You may have a case, if…
“As we discussed on the phone earlier today, this settlement is perfectly okay to me. I need to thank you and all of your cohorts at Lemberg Law to get a project handled so professionally. Please allow Amy, the first person who contacted me from Lemberg, know how much I appreciate her efforts, kindness, and professionalism.”
“My mom and I want to say thanks to the team of Lemberg Law for all the hard work and effort that was taken to take care of the debt collector and the Fair Debt Collection Practices Act. Because of this, the phones do not ring off the hook .”
“We realize that ours is only one little case among many — and a lot more serious — but are heartened by the fact that you accepted it represented us with a professionalism that belied the dollar amount.”
“I just wanted to let you know we received the check from your office on now and I wanted to take some time to inform you that we really appreciate all of your efforts in this matter.”
We can absolutely help. Call us today.
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Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."
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I have told their associates several times that they have the wrong number, yet they continue to call me. I just recieved a call from them again today, spoke with a Cathy. And again I told them that they had the wrong number. this is the 5th time. I will be filing for harrasment, and I will be contacting the BBB, The FTC and the AG office.
FH Cann & Associates is the worst!! Like all the other comments/complaints this company just sucks you dry. I got a call from FH Cann telling me that my student loan was to default. They said they could put me in the Rehabilitation Program and after 9 monthly payments I’d be out of default. Awesome, right! NO they are the most difficult people to work with. I only make around $1,000 a month so they had me complete their Income and Expense form to come up with a monthly payment I can afford. (was told that it would be anywhere from $10-$35 month) I told them that I could pay $100.00 month. This is the part that is such BULL!!!!!! They want total income for every person that lives in your household!!! So their taking my income and my roommates income and using that amount to figure what my monthly payment should be. $450.00 a month!! I told them there was no way I could do that. So now It’s been six months of constant crap from them only to have tons more interest and collection fees added to me loan!!! (over $7,000 in fees which they told me would not be added if I did this program) But NONE of the payment I made have been deducted. They said that money is in like a holding tank until they get the information they want. I JUST DON’T GET HOW they can add another person income to mine to come up with my payment amount!! My roommates not gonna give me money to pay back my loan. THE EMAIL ISSUE!! FH Cann said that they could only email me if i sign a 4506-T form which gives them the right to contact the IRS to get any information on my tax returns and take my tax refund. I’m totally at the end of my rope. I only owed $25,000 and now with FH CANN involved… i owe over $40,000!!!! I hate to keep giving them money when their not posting it to my loan. IT’S DEFINITELY NOT RIGHT 🙁
My loan has been in default for a long time and I have been in wage garnishment for about a year. I stayed in garnishment even though I couldn’t afford it because I did not want to talk to anyone there.
In the past, I have worked with incredibly rude people who would not listen to me at all. It was so frustrating. Today, I got up the nerve to call and was connected to Carlos A.
He listened to me and helped me to come up with a solution. Words cannot explain how horrible this has been so to have someone truly help me was a relief.
I just wanted to let you know he is amazing and so professional, it was a joy to work with him. I feel so relieved and it is all because of him. People always say when they have bad customer service, but I wanted to take this opportunity to share my wonderful experience.
Sincerely,
Christina S.
My student loans have been transfered to FH Cann and Associates. I have been in contact with them as they were supposed to send out a wage garnishment to my employer. I contacted them September 11th to stop garnishment due to the fact that my wages and housing arrangements would not support their garnishments. They replied that they would be sending me the Wage Garnishment Hearing Request form 36. It is now October 11th and I still have yet to receive that form and a week after I was in contact with them they sent my employer the garnishment. I called them today to find out where the papers were and they said it was sent out September 12th. They replied that they would send out ANOTHER form for me to fill out. I called back asking if there was a form I could just print off of the computer or if they could just email it to me so that I can get it done faster, and they replied, sorry you have to call this number to be directed to that form we can only mail it by mail. I called the number they gave me, 1-800-624-3115, and it was the US. Department of Education. That number then says that I have to call 1-877-677-9126, which put me right back to FH Cann and Associates. It is a run around circle and they keep calling from different numbers even after I am trying to fix the issue. No one wants to help and they wont get me the information I need to be able to get help. They just sent out the garnishment and that was that. I have 9 people living in my home, me, my husband, and our 7 children. I can not afford to go back and forth only to end up on the streets because they do not want to send me the information required by law to stop garnishment due to Economic Hardship. They call all hours of the day and have been in contact with my employers. I NEED HELP. The forms to contact this law firm will not let me send a request.
F.H. Cann is trying to garnish my wages for a Perkins loan that I have documentation that proves that I am not liable for. They are trying to collect on a debt that the school provided I do not owe considering the loan they are trying to collect on was taken out AFTER I had already exited the school a year earlier.
So I just got a statement from them, and they are charging me 20% of the initial loan amount as a collection fee. Nearly $5,000. They said paying off the loan in full wouldn’t take the default judgment off of my credit report, only if I repaid the monthly 10 month repayment plan to bring my debt back into good standing would they take it off my credit report all the while accruing more interest on the loan. This is extortion!
I just received paperwork from FHC I will not fill this out…and I will be damned if I give them any information about me they called my place of work tried to ask me my ss# and to verify my name etc I said absolutely NOT these ppl are trying to scam us…NOT DOING IT!!
I just received paperwork from FHC I will not fill this out…and I will be damned if I give them any information about me they called my place of work tried to ask me my ss# and to verify my name etc I said absolutely NOT these ppl are trying to scam us…NOT DOING IT!!
I just received paperwork from FHC I will not fill this out…and I will be damned if I give them any information about me they called my place of work tried to ask me my ss# and to verify my name etc I said absolutely NOT these ppl are trying to scam us…NOT DOING IT!!
This place doesn’t even deserve to have a one star rating. They have no idea how people feel when they can’t pay their bills. Student loans in this country are ridiculous to try to repay. Back in Oct I contacted F.H. Cann after receiving paperwork from their office. I was told to contact the owner of my loan, which I did, to fill out paperwork to try to get my loan discharged since the school I went to got discredited, and now basically the “DEGREE” I have is USELESS. So I contacted them. Well in Feb, after not hearing a word from F.H. Cann for 4 months, contacts me and has added $8000 for “COLLECTION FEES” when I didn’t hear a peep out of them since Oct. I was under the assumption they were taking care of the paperwork..well they were just waiting to tag an extra $8000. So I got on track and filled out and sent them all the paperwork they wanted to get back on track in Feb. 2019. Everything was OK, because I was paying them $300/month waiting on my Income Driven Repayment paperwork to go through. All is good right?? NO! In April I see a garnishment taken out of my paycheck so I called F.H. Cann and they said they didn’t have all the paperwork. Which was (is) Bullshit. I had all the emails I had sent back in Feb with all the paperwork they asked for. They said they tried contacting me in Feb, which they NEVER did. I asked why they didn’t leave a voicemail, there answer, “We didn’t have your permission” What a Bull shit cover up. So now that conversation took place on April 12th. They said they would call back Monday after they looked at the ORIGINAL paperwork which I had resent to them. So Monday comes and no phone call, so at 12:30 PM on 4/15 I called and talked to Tyron (not sure on spelling). He says, “Oh I just got in the office at noon and was going to call you”. Again a bunch of bull shit. This guy has NO CUSTOMER service skills. I asked a simple question about a question on the form and this asshole goes off the deep end yelling at me and every time I tried to say something he screams telling me I won’t let him finish. When you pause in a conversation YOU ARE DONE TALKING. So he gets butt hurt when I refuse to allow him to talk to me like he was and called him a whine ass. This gets me over to Andrew, obviously a supervisor. He also won’t let me get a word in and keeps telling me that I won’t let him finish. Now all of a sudden they tell me they didn’t accept the first IDR form I sent back in Feb because I wrote “$300 per month” on the form. Just a bunch of excuses and no help. This place is nothing more than a bunch of bullies. I will be finding out what can be done to this business.
I received a “Notice Prior To Wage Withholdig” on March 26th. 2019 from F.H. Cann & Associates, Inc dated March 19th. I called them this morning at 9:16 central time with no answer. I called them back at 2:28 pm, and was disconnected the first attempt, so I called back. This time someone by the name of Rob answered. I asked him what his last name was but couldn’t understand what he said. He did however tell me that my representative’s name was John Diaz. I asked Rob to transfer me, and he said he tried but that he was unable to do so on the number I called on. (the main and only number that is on the letter) He said that John was going to try to call me while I was on the phone with Rob, my phone beeped, but there was no incoming call notification to switch over. I heard the beep twice. Then Rob said that he’d hang up so John Diaz’s call would go through. Here’s the irony, it’s now 3:36pm, I have yet to actually speak with “John Diaz” and to be honest I do not feel comfortable with this “legit company “ having any access to my paycheck or checking account, as this feels more like a scam than an actual legal business.
Hello,
I have been contacted by FHC recently asking for a signed copy of my 1040. I found it odd that they requested that, instead of W2, considering 1040’s are for self employed individuals. I do not have any agreements with FHC, and any assistance with this process is greatly appreciated. Thank you.
I repaid my student loans through a payment plan i had about 600 dollars left ,my federal taxes came in and more than paid for it on the 13 of february i was still charged the weekly amount on the 15 i called them and they said it would be taken care of and that the department of education had told them the account had been closed however yesterday the 22 they took out the money again i tried calling fhcan at 4 o clock after work and no one answered the hours said they dont close till 5 i spent three hours on the phone with the department of education for them to tell me the over paid money would be paid back and they had no power to stop the payment however now im not going to be receiving the money that was taken out of my account for like 2 months
I received a call from 6783694655 (a male) claiming to be with the US Department of Education asking me for my last four digits of my Social Security Number or my date of birth. He wouldn’t give me the reason for the call until I gave him the information I asked. I called back using a texting app and the recording said FH Cann and associates.
almost the exact situation mentioned above where FH CANN refused to email me the additional documentation and had received payments from me. my wages are now being garnished and they will not call me back even though I have left messages so I can at least find out how to make payments