F. H. Cann & Associates is a third party debt collector located in Andover, Massachusetts. The company claims over 100 years experience in collecting debt. Their website claims that its agents are trained in being “helpful” to consumers in debt and references “respectful” interactions and attempts to work with consumers.
According to online reports and complaints from consumers who have dealt with F.H. Cann collection agents, their idea of being helpful includes suggesting that the consumer hold a yard sale or skip making a credit card payment for a month or two in order to pay off the debt they are trying to collect. Another consumer, who brought a suit against F.H. Cann, alleges in her complaint that a collection agent for the company told her that she’d never be able to get a debt consolidation loan with her current credit so “good luck with that” before hanging up on her.
Another consumer who posted his complaint to an Internet service reports that when he asked the agent for a contact address for F.H. Cann & Associates, the agent retorted, “So you can send us a cease and desist letter? I don’t think so.”
Stop F.H. Cann & Associates Harassment
Know your rights when dealing with debt collection agencies. The Fair Debt Collection Practices Act contains protections and rights for consumers dealing with collection agencies, and collectors sometimes violate its provisions. If you know what those provisions are, you can call the company and force them to treat you fairly or cease contacting you altogether.
First, be aware that certain debt collection agencies collect on subsidized student loan debt for the U.S. government. There are special rules for debts owed to the Department of Education, including the ability of a collection agency to garnish your wages if you fail to make payments as agreed. The rules also require that the collection agency work with you to make your payments affordable and to “rehabilitate” past due loans, so it may be in your best interest to work with the company on these loans.
Where consumer debt, such as old credit card bills, oil company payments and medical bills, is concerned, however, debt collectors must operate within certain limitations. Among other things, they cannot garnish your wages without having gone to court and had a judge sign a judgment giving them the right to do so. If the collection agent suggests that they can take your house or sell your car at auction in order to pay for your bill, there’s a good chance they’re in violation of the FDCPA.
If they refuse to provide contact information for the collection agency, they are also skirting the edges of legality under the FDCPA. The law gives you the right to dispute your debt, and the right to ask the debt collector to cease contacting you by sending a written notice to their mailing address. When a company refuses to provide that information, its agents are obstructing your rights and may be violating the law.
If you are being harassed or abused by a debt collector, you have the right to sue them in civil court. If a judge agrees that they are violating the law, the company could be ordered to pay you damages of up to $1,000, as well as actual damages and your legal costs.
F.H. Cann & Associates Contact Information
F. H. Cann & Associates
1600 Osgood Street
North Andover, MA 01845
How to Stop the Harassment Now
Complete the form to the right for a FREE evaluation, or call Toll-Free . The legal team at Lemberg & Associates is committed to holding debt collectors accountable, and will fight for your rights under the Fair Debt Collection Practices Act.
Note to Readers
The Information on this website is assembled using many public online and offline sources, such as debt collection agency websites, BBB data, regulatory agency reports and websites, and data available through Pacer. It neither is nor is intended to be the full or complete description of any company's business. To the extent any portion of the website is non-factual in nature, it constitutes our opinion only. We ask that you not rely on any information here in deciding whether or not to do business with any company mentioned on this website. Nothing here constitutes or is intended to constitute legal advice. If any reader or user of this website has a question about specific sources for any information used here, click here to submit an inquiry.
If you have been the victim of harassment or illegal or unfair debt collection practices, contact the Fair Debt Attorneys at Lemberg & Associates immediately to discuss your options and protect your rights. When you owe creditors money, you are protected by the Fair Debt Collection Practices Act, as well as other federal and state laws. If a debt collector has violated your rights, you may be entitled to up to $1000 in damages, and they may even have to pay your attorney fees. Sergei Lemberg, and the attorneys at Lemberg & Associates have helped countless people to assert their legal rights with debt collectors. Don't be intimidated by illegal debt collection practices. For more information, contact Lemberg & Associates today at .
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