Is Lamont, Hanley & Associates Hurting Your Credit?

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If Lamont, Hanley & Associates has appeared on your credit report, it likely means a past-due debt has been turned over to collections. These accounts can seriously damage your credit score and stay on your report for years if not addressed.

Here’s what you need to know about Lamont, Hanley & Associates and how to remove them from your credit report.

Who Is Lamont, Hanley & Associates, Inc.?

Lamont, Hanley & Associates, Inc. is a debt collection agency based in Manchester, New Hampshire. They help businesses recover unpaid debts from consumers.

If your name shows up in their records, Lamont, Hanley & Associates may report the account to the credit bureaus as a collection account.

Who Does Lamont, Hanley & Associates Collect For?

Lamont, Hanley & Associates works with different types of businesses to recover overdue debts, with a strong focus on:

  • Healthcare providers
  • Doctors’ offices and medical clinics
  • Insurance companies

If you see Lamont, Hanley & Associates on your credit report, it likely means an unpaid medical bill or insurance-related debt has been sent to collections.

Is Lamont, Hanley & Associates Legitimate or a Scam?

Lamont, Hanley & Associates is a legitimate, licensed debt collection agency. They are authorized to collect debts on behalf of their clients.

That said, always verify the debt before paying. You have the right to request proof of the debt and confirm that the amount is accurate.

How to Remove Lamont, Hanley & Associates From Your Credit Report

A collection account can hurt your credit score for up to seven years, but you have options to try to remove it sooner:

  • Dispute Inaccurate Information: Check your credit report for errors. If the balance, dates, or account details are incorrect, file a dispute with the credit bureaus.
  • Request Debt Validation: You can send a written debt validation letter to Lamont, Hanley & Associates. They must prove the debt is yours and the amount is correct. If they can’t, the account must be removed.
  • Negotiate a Pay-for-Delete: Some collection agencies agree to remove the account from your credit report in exchange for payment. It’s not guaranteed, but worth trying.
  • Work With Credit Repair Experts: If handling collections feels overwhelming, professional credit repair companies can challenge inaccurate negative items on your behalf.

Ready to Clean Up Your Credit Report?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Should You Contact or Pay Lamont, Hanley & Associates?

Before making a payment, confirm that the debt is accurate and legally collectible. Some debts fall outside the statute of limitations for legal action, and making a payment can restart the clock.

If you’re unsure how to proceed, working with a trusted credit repair company can help you avoid mistakes and protect your credit.

Can Lamont, Hanley & Associates Sue You or Garnish Your Wages?

Lamont, Hanley & Associates can take legal action to recover unpaid debts. If they sue and win, they could:

  • Garnish your wages
  • Levy your bank account

These actions depend on state laws and the size of the debt. Lawsuits are typically a last resort, as legal action can be expensive for collection agencies. Many agencies prefer to work out payment plans before going to court.

How to Contact Lamont, Hanley & Associates, Inc.

Here’s how to reach them:

  • Address:
    Lamont, Hanley & Associates, Inc.
    1138 Elm Street
    Manchester, NH 03101
  • Phone Numbers:
    (800) 639-2204
    (603) 625-5547

Complaints About Lamont, Hanley & Associates

Lamont, Hanley & Associates has complaints filed with the Consumer Financial Protection Bureau and the Better Business Bureau, similar to many other collection agencies. Common complaints include:

  • Inaccurate information on credit reports
  • Failure to verify debts
  • Harassment or repeated calls

If your rights are being violated, you can file a complaint with these agencies.

Your Rights Under Federal Law

The Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) protect you when dealing with debt collectors. Your rights include:

  • Debt collectors cannot report false or incomplete information to the credit bureaus
  • You can request written proof of the debt with a debt validation letter
  • They cannot threaten, harass, or use abusive language
  • They must clearly state they are a debt collection agency when contacting you
  • They cannot threaten arrest or legal action they don’t intend to pursue

Get Help Removing Lamont, Hanley & Associates From Your Credit Report

Dealing with collection accounts can be stressful. Credit Saint has over 15 years of experience helping people dispute inaccurate items on their credit reports. They even offer a 90-day money-back guarantee for added peace of mind.

If you want help removing negative items from Lamont, Hanley & Associates or other collection agencies, they’re a trusted option to consider.

Visit their website or call (855) 281-1510 to get started.

Brooke Banks
Meet the author

Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.