Are You Being Called By FH Cann & Associates, Inc.?* Here's What You Need to Know
When a debt collector threatens to send you to jail or garnish your wages if you don’t pay what they are demanding, it’s normal to be alarmed. What you need to understand is that failure to pay a debt is not a crime. What IS illegal are these threats.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, regulates what third party debt collectors may say and do while trying to collect a consumer debt. Collection activities that are prohibited include:
- Demanding amounts not supported by law or the original creditor agreement
- Calling someone at work after they’ve been advised that such calls are not allowed
- Threatening to ruin your credit forever
- Swearing and calling you names
- Talking to uninvolved parties such as your friends, family, and co-workers about the debt
- Pretending to be police officers or federal agents
Company Profile: F.H. Cann & Associates, Inc.
If you are being called by F.H. Cann & Associates, Inc. information about the company is below.
F.H. Cann & Associates, Inc. is a debt collection company located in North Andover, Massachusetts. It was established in 1999, has approximately 73 employees, and is managed by its President, Sheri Cann. According to its website, the agency is a member of the Association of Credit and Collection Professionals. A review of the digitized litigation records at the PACER (Public Access to Court Electronic Records) website confirms that people who believed they were being harassed by F.H. Cann & Associates, Inc. turned the tables by confronting the company in court.
Alleged Violations against F.H. Cann & Associates, Inc.
According to PACER, on or around July 11, 2016, F.H. Cann & Associates, Inc. sent a collection letter to a New York resident seeking payment for a credit card debt allegedly owed to Santander Bank. The card accrued interest and late fees, but the letter failed to indicate whether those fees were continuing to accrue, leaving the plaintiff in the dark as to how much he actually owed. Feeling harassed by F.H. Cann & Associates, Inc., Inc., he hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Failing to make it clear exactly how much was owed
- Using false, deceptive, and misleading means to collect a debt
- Failing to validate the debt
The matter was later settled.
Hire an Attorney
The phone numbers for this debt collection agency are as follows:
If any of them flash on your caller ID at any time, it means that you are being called by F.H. Cann & Associates, Inc. and are believed to owe a debt. If they fail to make it clear whether your debt can potentially increase and leave you owing more than expected, hire a consumer attorney. The FDCPA requires collection agencies to be completely transparent with the amounts owed. If you file a claim against F.H. Cann & Associates, Inc., Inc., you could potentially be awarded $1,000 per FDCPA violation, so when a collection agency pushes your limits, let the law help you push them back within theirs.
*Case taken from PACER (www.pacer.gov). File number is Case 1:17-cv-00572-AMD-RML from the United States District Court for the Eastern District of New York.
Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against F.H. Cann & Associates, Inc., Inc., or any other third-party collection agency, you may not be entitled to any compensation.