Who is Lamont, Hanley & Associates?
Lamont, Hanley & Associates, Inc. is a debt collection agency located in Manchester, New Hampshire. They provide debt recovery services to help companies mitigate losses associated with unpaid debts.
If their name appears on your credit report, it typically signifies an unsettled financial obligation. This usually stems from an unpaid bill or other outstanding debt that has been passed on for collection.
Who does Lamont, Hanley & Associates collect for?
Lamont, Hanley & Associates work on behalf of a variety of clients to recover overdue payments. They have a strong presence in the healthcare sector, collecting debts for doctors’ offices which may include outstanding bills for medical procedures, treatments, or consultations. Moreover, they work with insurance companies, helping them recoup payments that were never received.
Is Lamont, Hanley & Associates legit or a scam?
Lamont, Hanley & Associates is a legitimate collection agency. They operate within the legal frameworks governing debt collection and are authorized to collect on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove Lamont, Hanley & Associates from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Lamont, Hanley & Associates, Inc. Contact Information
Address:
Lamont, Hanley & Associates, Inc.
1138 Elm Street
Manchester, NH 03101
Phone numbers: (800) 639-2204 or (603) 625-5547
Should I contact or pay Lamont, Hanley & Associates?
Before contacting a third-party collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with Lamont, Hanley & Associates is to work with a credit repair professional. They help remove millions of negative items every year from companies like Lamont, Hanley and Associates on behalf of their clients.
Will Lamont, Hanley & Associates sue me or garnish my wages?
Lamont, Hanley & Associates, as with any debt collection agency, has the option to take legal action, which could potentially lead to wage garnishment or a lawsuit. However, this is generally considered a last resort after other debt collection methods have been exhausted.
It’s worth noting that these outcomes depend on many factors, such as the size of the debt, the laws in your state, and the specific policies of the agency itself.
Lamont, Hanley & Associates, Inc. Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Lamont, Hanley & Associates, Inc.
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for Lamont, Hanley & Associates 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. They have 30 days to prove the debt is yours and the amount is accurate.
- Lamont, Hanley & Associates cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Lamont, Hanley & Associates must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- Lamont, Hanley & Associates cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Lamont, Hanley & Associates From Your Credit Report Today!
Credit Saint offers assistance with disputing Lamont, Hanley & Associates collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
