What Is Debt Collection in Boston, Massachusetts?

Find the right Debt Collection attorney in Boston, MA

"Collections" refers to the process by which creditors try to get nonpaying debtors to pay what is owed. There are countless laws in Boston, Massachusetts regulating the conduct of collections agences.

What if I Am Owed Money in Boston, Massachusetts?

If you are owed money and the debtor won't pay, for whatever reason, you are entitled to seek collection by any lawful means. Of course, the means of collection that are considered "lawful" are quite limited. You should be aware of the rules that govern collections before you proceed, as violating them can hurt your chances of collecting, and even expose you to liability.

For example, when trying to collect, creditors are not allowed to use abusive language, contact any third party regarding the debt, and of course they are not allowed to use threats of violence in an attempt to get their money.

Creditors may, however, send written demands for timely payment, along with an invoice that precisely lays out exactly what the debtor owes. If the debt is significant, it might be worth it to hire a Boston, Massachusetts collection agency, which usually gets paid through a percentage of the debt collected. You should make sure, however, that the agency is reputable, and hasn't been cited for violations of consumer protection laws.

What if Someone Is Trying to Collect Money Against Me in Boston, Massachusetts?

If you actually owe the money being sought, and you are able to pay it, you should of course do so. If the collection caller is behaving courteously, you should do the same. Even if the caller doesn't behave in a polite manner, you should resist the urge to respond in kind, and ask to speak with a supervisor, or simply end the conversation. Whatever you do, you should never ignore the issue. This will not make the problem go away.

Your best option in Boston, Massachusetts might be to contact the creditor directly, and try to work out some type of new repayment plan. The earlier you do this, the more receptive to your ideas the creditor is likely to be. If this isn't successful, you can demand that the collectors stop contacting you by phone, and they will usually be obliged to do so. Of course, this doesn't make the debt go away, and you should only take this route if you are ready to defend against a lawsuit from your creditors, since demanding that they stop contacting you generally leaves them with no other option but to sue.

If you have hired a Boston, Massachusetts lawyer to help, he or she may advise that you file for bankruptcy. If you do apply for bankruptcy, creditors are immediately required to suspend all collection activities. Of course, bankruptcy is a major decision, and should not be made without the advice of an attorney.

How Can a Boston, Massachusetts Collections Attorney Help?

If you believe that a creditor is violating the law in its effort to collect from you, you should get in touch with a Boston, Massachusetts attorney, since you might actually have a claim for damages against the creditor.

Also, if you're considering applying for bankruptcy, a seasoned attorney in Massachusetts can tell you if this is a good option, and, if it is, help you through the process.

Talk to a Bankruptcy & Finances Law Attorney now!

Life in Boston

Boston, Massachusetts is known as the "Capital of New England" because it acts as the center of business, art, food, and culture. Bostonians comprise the 10th largest metropolitan area in the United States. Boston is home to a number of historical attractions like the Boston Tea Party, the Boston Massacre, and the American Revolution museums that offer about billion in revenue for the city.

Furthermore, tourists flock to visit Boston and its colleges: Harvard University, Boston College, Boston University, Massachusetts Institute of Technology (MIT), Tufts University, UMass Boston, and many other business, music, and pharmaceutical institutions of higher learning. Students offer roughly .8 billion to the economy. With so many students, Boston naturally is home to some of the top firms in technology and biotechnology. The city boasts the highest amount of annual funding from the National Institutes of Health.

Boston is home to some outstanding New England based lawyers and law firms. Bostonians are subject to the area's high cost of living making the legal problems of the community somewhat unique. Violent crime has been on the decline since the Boston Police Department and United States Attorney and District Attorney started a crime and gang prevention campaign. Most Boston residents use the Suffolk County courts.

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