Is Lamont Hanley & Associates on Your Credit Report?
Short answer: Lamont Hanley & Associates (Lamont Hanley & Associates) is a real, legitimate third-party collection agency based in Manchester, NH. It is not a scam — but a legitimate collector can still report a debt that is inaccurate, unverified, past the statute of limitations, or not even yours. You have the right to demand proof before you pay a cent.
Who Is Lamont Hanley & Associates?
Lamont, Hanley & Associates, Inc. is a debt collection agency dedicated to doctors and insurance companies and is based in Manchester, New Hampshire. Lamont Hanley & Associates is classified here as a third-party collection agency based on its publicly described line of business.
You may also see this company on your report or in letters as: Lamont Hanley & Associates.
What most people don't know about Lamont Hanley & Associates:
Lamont Hanley & Associates is headquartered in Manchester, NH. New Hampshire requires debt collectors to be licensed through the state Banking Department, and license status is confirmable through the NMLS Consumer Access public database.
Why Is Lamont Hanley & Associates on My Credit Report?
Lamont Hanley & Associates typically collects insurance claims. A collection like this usually lands on your report because:
- ✅ An original account (a insurance claims, for example) went unpaid and was charged off.
- ✅ The account was placed with Lamont Hanley & Associates to collect on behalf of the original creditor.
- ✅ Lamont Hanley & Associates furnished the account to one or more of the three credit bureaus (Equifax, Experian, TransUnion).
Important: a collection account on its own does not prove you owe the debt or that the amount is correct. That's where your rights come in.
Your Rights When Lamont Hanley & Associates Contacts You
Federal law — the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) — gives you powerful tools. Here is the playbook we use at Crowned Credit.
1. Debt Validation (FDCPA §809)
Within 30 days of first contact, send Lamont Hanley & Associates a written debt-validation letter. They must prove the debt is yours, the amount is correct, and they have the legal right to collect. If they can't, they must stop collecting and it should come off your report.
2. Dispute With the Bureaus (FCRA §611)
You can dispute the Lamont Hanley & Associates tradeline directly with Equifax, Experian, and TransUnion. The bureaus have 30 days to investigate. If the account can't be verified, the law requires it be deleted or corrected.
3. Cease-and-Desist
You can demand in writing that Lamont Hanley & Associates stop contacting you. They can still report and sue, but they must stop calls and letters — useful for stopping harassment while you build your case.
4. Pay-for-Delete (in writing only)
If the debt is valid and yours, you may negotiate to pay in exchange for deletion of the tradeline. Never pay on a verbal promise — get the pay-for-delete agreement in writing first.
5. Statute of Limitations
Every state has a time limit on how long a collector can sue you for a debt. If the debt is "time-barred," Lamont Hanley & Associates can still ask for payment but generally cannot win a lawsuit — and making a payment can dangerously restart the clock.
6. Protection From Harassment
The FDCPA bars Lamont Hanley & Associates from calling at unreasonable hours, threatening you, or lying. Every violation is potential leverage — and may entitle you to damages.
How Crowned Credit Helps With Lamont Hanley & Associates
We don't send cookie-cutter form letters. We investigate the specific account, assert every applicable right, and work it with all three bureaus and the collector directly.
Review & Validate
We pull all three bureau reports, find every error on the Lamont Hanley & Associates entry, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and the collector. When they fail to investigate properly, we escalate to the CFPB and, where warranted, attorneys.
Track & Build
We monitor deletions in real time and coach you on rebuilding once inaccurate items are addressed.
See our transparent pricing — no long-term contracts.
Lamont Hanley & Associates — Frequently Asked Questions
Is Lamont Hanley & Associates a scam or a legitimate company?
Lamont Hanley & Associates is a real, registered third-party collection agency headquartered in Manchester, NH. It is a legitimate business — but "legitimate company" does not mean the specific debt it's reporting is accurate, validated, or even yours. Scammers do sometimes impersonate well-known collectors like Lamont Hanley & Associates, so always demand written validation before paying anything.
Why is Lamont Hanley & Associates on my credit report?
Lamont, Hanley & Associates, Inc. is a debt collection agency dedicated to doctors and insurance companies and is based in Manchester, New Hampshire. Lamont Hanley & Associates is classified here as a third-party collection agency based on its publicly described line of business. It most commonly collects insurance claims. It likely appeared after an original account went unpaid and was placed with them for collection. Lamont Hanley & Associates is headquartered in Manchester, NH. New Hampshire requires debt collectors to be licensed through the state Banking Department, and license status is confirmable through the NMLS Consumer Access public database.
Can Lamont Hanley & Associates be removed from my credit report?
Yes — inaccurate, unverifiable, or improperly reported Lamont Hanley & Associates collection accounts can be removed. Under the FCRA, the credit bureaus must investigate your dispute, and if Lamont Hanley & Associates cannot verify the debt, it must come off your report. Crowned Credit reviews the account for errors, demands debt validation, and disputes it with all three bureaus.
Should I pay Lamont Hanley & Associates or dispute it first?
Do not pay before you validate. Once you confirm a collection is yours, accurate, and within the statute of limitations, you may consider a pay-for-delete agreement in writing. But paying an unverified or time-barred debt can restart the clock and lock in a negative entry. Get a free assessment before you send any money to Lamont Hanley & Associates.
How long can Lamont Hanley & Associates report this debt?
Most negative collection accounts can remain on your credit report for up to seven years from the original delinquency date — not from when Lamont Hanley & Associates acquired or began collecting it. If the account is being "re-aged" to look newer, that is a reporting violation you can dispute.
Will Lamont Hanley & Associates sue me?
Some collectors and debt buyers do file lawsuits, especially before the statute of limitations expires. If you are served, do not ignore it. Validate the debt, check whether it is time-barred in your state, and get help. Most third-party agencies focus on collection rather than litigation, but you should still respond to any legal notice.
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