What Is Debt Collection in Waltham, Massachusetts?

Find the right Debt Collection attorney in Waltham, MA

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

What if I Am Owed Money in Waltham, 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 laws that govern collections before you proceed, as breaking them can hurt your chances of collecting, and even expose you to liability.

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

One thing you are allowed to do is send a written demand for immediate payment. The demand should lay out the exact amount you believe is owed, so the debtor cannot plausibly claim ignorance of that fact. If a lot of money is involved, it might be prudent to hire a Waltham, Massachusetts collections agency. If you go this route, it is essential to make sure that you hire an agency that is reputable, and follows the relevant law to the letter.

What if Someone Is Trying to Collect Money Against Me in Waltham, 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 cordially, you should do the same. Even if the caller doesn't behave in a cordial manner, you should resist the temptation 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.

Luckily, you have some options in Waltham, Massachusetts. First of all, you should attempt to directly contact the creditor, and see if some adjusted payment plan can be worked out. If this doesn't work, you can ask the collectors to stop contacting you by phone, and they will usually be obliged to do so. Of course, this doesn't make the debt go away, but it might give you some time to collect yourself and prepare a legal defense. Once this happens, the collection agency can only contact you to inform you that it intends to sue you for the debt owed.

If you have hired a Waltham, Massachusetts attorney to help you through this process, he or she might advise that you declare bankruptcy. Once this occurs, creditors are legally barred from attempting to collect against the debtor. Of course, this is a major decision, and should not be made lightly.

How Can a Waltham, Massachusetts Collections Attorney Help?

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

If you are thinking about filing for bankruptcy, a good lawyer in Massachusetts can help you with that process, too.

Talk to a Bankruptcy & Finances Law Attorney now!

Life in Waltham

Waltham, Massachusetts has a population of just over 60,000 residents and is located in Middlesex County. The city has historical significance and is considered to play a pivotal role in the labor movement.

Waltham is often nicknamed "Watch City" because of the presence of Waltham Watch Company which has produced over 40 million watches and other time instruments before closing. Waltham also has a great music scene that brings together the community for various events throughout the year. The city is also a great place to be active -- with a 97 out of 100 points on the walkability rating system.

In addition to a good public school education system, Waltham also houses three colleges: Bentley University, Brandeis University, and Center for Digital Imaging Arts. With such an emphasis on learning, it is no surprise that there is such a great professional community in Waltham. Waltham lawyers, for example, are trained at some of the best schools and are skilled in a range of legal issues. From lawyers to accountants to bankers, Waltham is a city that is a great place to work.

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