FH Cann & Associates Inc or FHC is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
What is FH Cann & Associates?
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.
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Is FH Cann & Associates a scam?
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.
Who does F.H. Cann & Associates collect for?
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.
How many complaints are there against FH Cann & Associates?
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/
Can FH Cann & Associates Sue Me or Garnish My Wages?
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!
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.
FH Cann & Associates Calling You?
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).
Can I sue FHC for harassment?
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.
“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.”
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.