Who is FH Cann & Associates?
F.H. Cann and Associates, Inc. (FHC) is a debt collection agency with main operations in North Andover, Massachusetts, and a secondary location in Sharonville, Ohio.
If their name appears on your credit report as a collections account, it typically suggests they are attempting to collect a debt you owe. This often occurs when you’ve failed to pay a bill or defaulted on a loan, prompting your original creditor to enlist the help of a collection agency like FHC.
Who does FH Cann & Associates collect for?
F.H. Cann & Associates provides collection services for a wide range of industries. Their clients include commercial businesses, educational institutions, financial entities, government agencies, medical facilities, and utility companies.
They also specialize in collecting on federal student loans from the Department of Education. Therefore, if you owe a debt in any of these areas, you may be contacted by FHC.
Is FH Cann & Associates legit or a scam?
FH Cann & Associates is a legitimate company. However, as is common with many collection agencies, they may frequently contact you via phone calls, texts, or emails in their attempt to collect the owed debt.
How can I remove FH Cann & Associates from my credit report?
Collections and delinquent student loans can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to remove a collection account from your credit history before seven years.
(While debt collectors may not want this information to be widely known, it’s your right to be informed.)
Ready to Raise Your Credit Score?
Some clients have raised their credit scores
by 100 points* or more.
Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.
In addition to collections, they can work with you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.
Get started on the path to better credit today: Fill out the form for a free credit consultation.
F.H. Cann & Associates, Inc. Contact Information
Addresses:
F.H. Cann & Associates, Inc.
1600 Osgood St Ste 2-120
North Andover, MA 01845
F.H. Cann & Associates, Inc.
11499 Chester Road Ste 101
Sharonville, OH 45246
Phone number: (877) 677-9126
Should I contact or pay FH Cann & Associates, Inc.?
It’s best to avoid speaking to a debt collector on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with FH Cann & Associates is to work with a credit repair professional. They help remove millions of negative items every year from companies like FH Cann and Associates on behalf of their clients.
Will FH Cann & Associates, Inc. sue me or garnish my wages?
F.H. Cann & Associates, Inc., like many debt collection agencies, does have the legal right to sue you for unpaid debts. If they win the lawsuit, they could potentially obtain a court judgment that may enable them to garnish your wages or levy your bank account, depending on your state’s laws.
However, it’s important to remember that legal action is typically a last resort for most collection agencies. Most would prefer to negotiate a payment plan or a settlement agreement to avoid the time and cost associated with a lawsuit.
FH Cann & Associates, Inc. Complaints
Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you find yourself facing any of these situations with FH Cann & Associates, you should also consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.
Your Rights When Dealing with FH Cann & Associates, Inc.
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- It is a violation of federal law for FH Cann & Associates, Inc. to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- F.H Cann & Associates may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- FH Cann & Associates must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
- FH Cann & Associates cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove FH Cann & Associates From Your Credit Report Today!
Lexington Law can assist you in disputing FH Cann & Associates accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
They have helped many people in your situation. Fill out the form on their website for a free credit consultation to see what they can do for you.
Ready to Repair Your Credit?
Some clients have raised their credit scores
by 100 points* or more.
