F.H. Cann & Associates is a Massachusetts company that runs collection, loan-servicing and customer-service operations for government, education, utility, healthcare and financial clients. A notice from it usually concerns an account one of those clients asked it to collect.
- Type
- Collection agency
- Also known as
- F.H. Cann & Associates, Inc.; FHC
- Headquarters
- North Andover, MA
- Collects
- student loans, government accounts, utility bills
- Phone numbers it lists
- (877) 750-9804, (888) 566-0288
- Website
- fhcann.com
267 debt collection complaints were sent to the Consumer Financial Protection Bureau about F.H. Cann & Associates, Inc. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is F.H. Cann & Associates?
F.H. Cann & Associates, Inc. (FHC) was established in 1999 and is headquartered at 1600 Osgood Street in North Andover, Massachusetts. The company describes itself as a provider of contact-center, financial recovery, loan servicing and business-process outsourcing services. Its About page lists the late Frank H. Cann, Jr. as founder and Sheri Cann as President and CEO, and it calls FHC a certified woman-owned, family-operated business.
Besides North Andover, the company lists offices in Exeter, New Hampshire; Sterling, Illinois; and San Antonio, Texas (7550 W. Interstate 10). It shows NMLS ID 959428 and a Nevada collection agency compliance manager license on its site.
FHC publishes a customer service line, (877) 750-9804, and a separate line labeled "NTTA Customer Service," (888) 566-0288. If your letter refers to one of those programs, those are the numbers to check it against.
Why F.H. Cann & Associates May Be Contacting You
FHC says it serves higher education, government (including state and local agencies), financial services, healthcare, telecommunications, utility and commercial clients. Its About page also cites a description of the firm as providing debt collection and loan resolution for student loans. So the most common reasons to hear from FHC are an unpaid balance owed to a school or a public agency, a past-due utility or telecom account, or a student loan in default.
Because FHC also does customer-service work that is not collection, not every call from it is about a debt. Ask the caller directly whether they are contacting you to collect a debt and on whose behalf.
How to Check a Debt F.H. Cann & Associates Says You Owe
Government and school accounts often carry their own fees and rules, so confirm the details before you pay:
- Find the client's name on the validation notice. Under 15 U.S.C. § 1692g and 12 C.F.R. § 1006.34, the notice must say who the creditor is and how the balance was calculated.
- Dispute in writing within the validation period if anything looks wrong. FHC must stop collecting until it sends verification.
- Ask who holds the account now. For a student loan, confirm with the school or loan holder whether the account was transferred and whether FHC is authorized to collect it.
- Check each charge. Compare the amount with your billing history and ask which fees were added and under what authority.
- Know the limitation rules. For ordinary consumer debts in Texas, the general deadline to sue is four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred debts (Tex. Fin. Code § 392.307). Other states use different periods, and some government debts follow their own rules; see our student loan collection update.
What F.H. Cann & Associates Can and Can't Do
When FHC collects a defaulted account on behalf of a client, it acts as a "debt collector" under 15 U.S.C. § 1692a(6) and must follow the FDCPA and Regulation F.
- It must give you a validation notice and honor a timely written dispute (15 U.S.C. § 1692g(b)).
- It may not misrepresent the amount owed or what will happen if you don't pay, such as legal action that isn't intended (15 U.S.C. § 1692e).
- Texts and emails must include a simple way to opt out (12 C.F.R. § 1006.6(e)); see whether collectors can text or email you.
- More than seven calls in seven days about one debt is presumed to be harassment (12 C.F.R. § 1006.14(b)(2)).
We did not find a CFPB enforcement action against F.H. Cann & Associates. If you have questions about how you were treated, contact our FDCPA attorneys.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If F.H. Cann & Associates or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- F.H. Cann & Associates: home page
- F.H. Cann & Associates: About Us
- CFPB enforcement actions search
- CFPB Consumer Complaint Database: F.H. Cann & Associates, Inc., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that F.H. Cann & Associates has violated any law. Company details change; tell us if something here is out of date.