Harassment by a debt collection agency like FH Cann & Associates may be illegal. Even though third-party debt collection agencies have a legitimate business their behavior must follow rules laid out by the Fair Debt Collection Practices Act (FDCPA). This legislation has been in force for over 40 years now and has been recently amended by the federal government to strengthen protection against unfair debt practices by debt collection agencies.
These agencies are not allowed to continually contact a debtor day and night, especially at what are regarded as anti-social times of the day. They are also expected to provide full details of the debt owed by the debtor they approach. A breach of the FDCPA could lead to a lawsuit against the debt collection business for damages plus legal costs.
FH Cann & Associates – Company Profile
FH Cann & Associates has been in business for 19 years as a debt collection agency. It is based in North Andover, Massachusetts. Its debt business clients include the federal government, for which it attempts to collect education loan debts, as well as Massachusetts business loans and tax debts and bank loans. The company has been given an A- rating on the Better Business Bureau’s (BBB’s) rating system, based on a total of 49 complaints made against the company to date.
What Is a Debt Validation Letter? And Why Do You Need It?
Not all claims against you are valid. You may find that a debt collection agency has made a mistake by attempting to persuade you to repay a debt that you know nothing about. To avoid any misunderstanding, you should request a debt validation notice from the debt collector. The debt validation notice should contain details of the amount of debt, the person or organization to who you owe the debt and any other details.
Agencies like FH Cann & Associates have 5 days from the receipt of a request for debt verification to send you such a notice. Failure to do so within that time frame means that they have contravened the FDCPA. You can then proceed to take legal action against them with the help of a FDCPA attorney.
Talk to an Attorney Today
If you are constantly harassed by a debt collector from FH Cann & Associates or another third party debt collector, or the company has failed to provide you with a debt validation notice, you have the legal right to take legal action. You can file a lawsuit against the debt collection agency within 1 year from the date their actions contravened the FDCPA.
You should contact a debt collection attorney as soon as possible to discuss filing a lawsuit against the agency. Use the Free Case Evaluation form below to be connected with a consumer law attorney who will help you with your case.
*Disclaimer: The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against FH Cann & Associates, or any other third-party collection agency, you may not be entitled to compensation.