Who Is FH Cann & Associates? Why Are They Calling Me?
Most commonly for attempts to collect debt not owed
Contact FH Cann & Associates
- Address to send a debt validation letter
- F.H. Cann & Associates, Inc. 1600 Osgood St Suite 2-120 North Andover, MA 01845-1048
- Phone
- 1-877-750-9800
- Official website
- https://www.fhcann.com
As of 2026-08-07 — verify before mailing anything important, since collectors do change addresses.
F.H. Cann & Associates, Inc. is a Massachusetts-based debt collection agency, founded in 1999, that collects on delinquent consumer accounts — including federal student loan and other unsecured debt — on behalf of creditors nationwide. If FH Cann is contacting you, send a debt validation letter in writing to confirm the balance before paying anything.
Has FH Cann & Associates been the subject of legal action?
Yes. In a federal FDCPA lawsuit filed in the Eastern District of Wisconsin (Case No. 2:17-cv-00496), a plaintiff alleged FH Cann demanded roughly $602.60 in “collection costs” that far exceeded both the actual and average cost of collecting the debt, arguing the added fee amounted to an unfair and deceptive collection practice under the FDCPA and that it would be barred under state law even if separately negotiated. If FH Cann’s letter or bill adds fees beyond what your original creditor billed you, that’s worth flagging in a written dispute — see debt validation request.
Questions & Answers
Is FH Cann & Associates a legitimate debt collector?
FH Cann & Associates shows up in the CFPB consumer complaint database, which tracks real complaints filed against real companies — so it is a legitimate, registered entity, not a scam name. That doesn't mean every call claiming to be from them is real; scammers impersonate real collectors. Verify what they're collecting before paying anything — see what to do the first time a collector contacts you.
— US Debt Compass Editorial Team
How do I stop FH Cann & Associates from calling me?
Under the FDCPA, you can send FH Cann & Associates a written cease-and-desist letter and they must stop contacting you except to confirm they've received it or to notify you of specific legal action. This doesn't erase the debt — it only stops the calls. See the cease-and-desist letter glossary entry for how to send one.
— US Debt Compass Editorial Team
How do I dispute a debt with FH Cann & Associates?
Send a written debt validation request to FH Cann & Associates's dispute address within 30 days of first contact — they must then verify the debt before continuing collection. See the contact details above for the current mailing address.
— US Debt Compass Editorial Team
Is FH Cann & Associates on my credit report?
If FH Cann & Associates is collecting on an account, it can appear on your credit report as a collection tradeline, separate from the original creditor's listing. Check your credit report directly to confirm, and see the credit report dispute guide if anything about the listing looks wrong.
— US Debt Compass Editorial Team