You may have received a Lamont, Hanley & Associates, Inc. letter that looks official, but the details do not line up with what Anthem, Humana, Blue Cross/Blue Shield, or another insurer told you. That is what makes these accounts confusing. The letter may mention an insurance overpayment or medical claim, while the insurer cannot clearly confirm the same balance.
That mismatch is the issue to resolve first. Before anyone pays, ignores the letter, or shares patient information, the account should be compared against the original insurance records, claim details, EOBs, overpayment notice, and any provider refund history.
In our practice, we often begin these files by comparing the collection letter with the insurer’s overpayment notice, EOB, claim number, and date of service. A recurring issue is that the consumer calls general customer service, gets no confirmation, and assumes the letter is fake. The next step is usually a written request for claim-level proof.
Source: Lamont, Hanley & Associates, Inc. Official Website.
Why Is Lamont, Hanley & Associates Contacting Me About An Insurance Overpayment?
The company may be contacting you because an insurer or related client placed an alleged overpayment, policy balance, or recovery account with the agency.
Public records describe the company as an accounts receivable management and debt collection agency. BBB complaints repeatedly mention insurance overpayments, claim recovery, Anthem, Humana, and Blue Cross/Blue Shield-related confusion.
That makes this different from a normal credit card collection letter. The account may depend on claim records, provider payments, refund history, insurance adjustments, or a prior overpayment notice.
Why Does My Insurer Say I Do Not Owe Anything?
Your insurer’s general support department may not see the same recovery or vendor placement file that led to the collection letter.
According to BBB complaints, some consumers reported calling an insurer and being told no balance or outside collector could be confirmed. That does not prove the account is invalid. It does mean the file needs closer review before payment.
We regularly compare insurer call notes with recovery department records, claim ledgers, and vendor placement documents. The mismatch we often look for is whether the insurer’s regular member-service system differs from the overpayment recovery file. If those records do not line up, we push for written confirmation from the correct department.
Is A Letter From The Collector A Scam Or A Real Collection Account?
A letter should be treated as unverified until the insurer, claim details, and collection authority are confirmed.
Consumers become suspicious because insurance overpayment requests often look unfamiliar. A provider or patient may expect the insurer to contact them directly, not a third-party collector.
Before paying, check whether the letter identifies the insurer, claim, date of service, patient or provider account, and amount. If the collector asks for sensitive health information, confirm the company’s authority first.
What Do Lamont Hanley & Associates Complaints Say About Insurance Records?
Lamont Hanley & Associates complaints most often point to insurer confirmation problems, missing overpayment documents, and confusion over whether the account was properly placed.
The company’s Better Business Bureau profile lists an A+ rating, BBB accreditation, and complaints closed within the last 3 years. The important issue is not just the number of complaints. It is the pattern. Consumers reported disputes involving Anthem, Humana, Blue Cross/Blue Shield, claim overpayments, documentation requests, and concerns that the letter looked like a scam.
Source: Better Business Bureau. Lamont, Hanley & Associates, Inc. Complaints.
These complaints fit the company’s business model because insurance recovery accounts can involve several record systems at once. The insurer, recovery department, provider, and collection agency may not all show the same information to the consumer.
Why Is The Collector Asking For Patient Or Date Of Service Information?
The agency may ask for patient or date-of-service information to verify a healthcare or insurance claim, but you should confirm authority before sharing sensitive details.
BBB responses from the company referenced HIPAA verification before discussing patient information. That creates a real consumer concern. The collector may need identity verification, but the consumer may also fear giving medical information to the wrong party.
One of the first records we examine is the written validation packet. We look for the insurer name, claim identifiers, dates of service, and proof that the account was placed with the agency. If the letter is too vague, the next step is a focused written dispute instead of a phone conversation.
Why Are Consumers Complaining About Missing Overpayment Records?
Consumers complain about missing records because an insurance overpayment account cannot be evaluated without claim-level documentation.
According to BBB complaints, consumers and providers reported disputes about proof, faxed documents, claim numbers, dates of service, and insurer confirmation. The issue repeats because these accounts can involve insurers, recovery departments, providers, and third-party vendors.
| Record | What It Can Show |
| EOB | Whether the insurer paid, denied, or adjusted the claim |
| Overpayment notice | Why is money allegedly being recovered |
| Provider ledger | Whether a refund or offset has already happened |
| Claim number | Whether the balance matches the right medical event |
| Placement record | Whether the insurer assigned the account to the collector |
A recurring issue we encounter is duplicate or outdated recovery information. We compare provider refund checks, remittance advice, offsets, and insurer payment history. If the collector’s balance does not reflect a later refund or adjustment, we use those records to challenge the amount rather than dispute blindly.
Can Lamont, Hanley & Associates Add Fees To The Balance?
Any added fee should be checked against the original agreement, placement balance, and legal authority.
The most important verified lawsuit is Rivera v. Lamont, Hanley & Associates, Inc., E.D.N.Y., 2:17-cv-06487. Court filings alleged the company sought more than the underlying debt through an allegedly unauthorized fee. The final outcome was not verified in the research.
The consumer lesson is practical: do not review only the total. Separate the principal, overpayment amount, fees, interest, credits, offsets, and payments.
In balance disputes, we frequently reconstruct the account line by line. We compare the original amount, any claimed collection fee, payment credits, and the documents authorizing the charge. If a fee is not supported, the next step is to challenge the itemization and request correction.
Can This Account Hurt My Credit Or Lead To More Collection Pressure?
You should check the letter and any written response before assuming the account will or will not affect your credit.
One BBB response stated the company did not credit report on those accounts, but consumers should not rely on assumptions. Save every letter, envelope, email, payment demand, call record, and dispute response.
Before paying, verify:
| Problem | What To Check |
| The insurer denies the balance | Written recovery department confirmation |
| Overpayment looks unfamiliar | EOB, claim number, date of service |
| Provider says it refunded | Refund check, ledger, offset record |
| Fee appears added | Itemized balance and fee authority |
| The letter feels suspicious | Verified company contact and insurer placement |
What Records Should I Gather Before Responding?
You should gather insurance, provider, payment, and collection records before making any payment decision.
Useful records include EOBs, overpayment notices, claim numbers, dates of service, provider ledgers, refund checks, remittance advice, insurer call notes, collection letters, and written disputes.
Clients who contact us often have only the collection letter. We usually ask for the insurer file and provider records next, because the strongest defense may be hidden in an adjustment, offset, wrong claim, or missing placement record. Once the mismatch is identified, the response can be specific.
How Can I Contact The Company About My Account?
You can contact the company using verified public contact information, but keep written records of every communication.
| Item | Details |
| Company | Lamont, Hanley & Associates, Inc. |
| Address | 186 Granite St, Manchester, NH 03101-2643 |
| Mailing Address | PO Box 179, Manchester, NH 03105-0179 |
| Phone | 603-625-5547 |
| Website | lhainc.com |
Source: Better Business Bureau. Lamont, Hanley & Associates, Inc. Business Profile.
How Can Consumer Rights Law Firm PLLC Review This Account?
Consumer Rights Law Firm PLLC can review whether the insurance overpayment account is properly documented before you respond or pay.
We often review the collection letter, insurer records, EOBs, claim history, provider ledger, payment proof, and any dispute response. The recurring issue is that one system shows a balance while another does not. Our next step is to identify the exact mismatch and prepare a targeted response.
| Item | Details |
| Address | 133 Main Street, Second Floor, North Andover, MA 01845 |
| Phone | +1 (877) 700-5790 |
| Fax | 844-636-9909 |
| help@consumerlawfirmcenter.com | |
| BBB | CRLF Better Business Bureau Profile |
Success Stories
Scott was amazing; his communication was on point. I had been harassed for months, with calls to my family and close relatives that were embarrassing. I contacted this company, and they resolved my issue within 60 days—at no charge and without requiring personal information. The process was fast and easy, especially for a debt relief program. As someone who is young and not very knowledgeable about debts, they made everything clear and straightforward.
I want to give a huge thank you to Matthew! I was being harassed with calls, threats of a lawsuit, and people threatening to show up to my home. And I found this company online and was a little nervous due to what I was already going through, but this turned out to be the best move I made by reaching out to them. Matthew took over my case and was so reassuring and nice. Everything was so easy in this process, and my case has been completely taken care of. I am so appreciative of the help I received from them. I now have my peace of mind back with all of the harassment gone. Thank you again Matthew for all of your help. I greatly appreciate you and will recommend anyone I know to you all that may need your assistance.
Matt and Derek worked as a team to get me a fair and adequate solution for my concern. They kept me updated throughout the whole process and answered any questions I had. I would highly recommend them.
FAQs About Lamont, Hanley & Associates Harassment
Why did I get an insurance overpayment letter?
You may have received it because an insurer or related client placed an alleged overpayment or recovery balance with the agency.
What if Anthem says there is no balance?
Ask for written confirmation from the correct recovery department and compare it with the collection letter.
Should I pay if the claim number is missing?
No payment decision should be made until the claim, date of service, and balance calculation are clear.
Why is the collector asking for medical details?
The agency may be verifying a healthcare claim, but you should confirm collection authority before sharing sensitive information.
What if my provider already refunded the money?
Gather the refund check, provider ledger, remittance advice, and insurer offset records before disputing.
Can the balance include a collection fee?
A fee should be checked against the original agreement, itemized balance, and legal authority.
What did the Rivera lawsuit involve?
Court filings alleged an unauthorized fee and an unclear payoff amount. The final outcome was not verified.
Do BBB complaints show a repeated issue?
BBB complaints repeatedly describe insurer confirmation problems, missing documents, and overpayment confusion.
What is the biggest mistake consumers make?
The biggest mistake is relying only on a phone call instead of obtaining written claim-level records.
What should I send in a written dispute?
Ask for insurer authority, claim details, Explanation of benefits, overpayment calculation, payment credits, and fee itemization.
