Unfair Debt Collection Practices

The federal Fair Debt Collection Practices Act prohibits debt collectors from engaging in harassing and abusive conduct. The FDCPA provides for an award of $1000 and payment of all attorney's fees to any individual who has been subjected to repeated collection calls, to calls at inconvenient times, calls that threaten unintended legal action, calls to discuss a debt with persons other than the debtor, failure to validate a debt, and much more. Massachusetts has even stronger laws against unfair debt collection.

The Fair Credit Reporting Act provides remedies, including financial compensation, for persons whose consumer credit reports have been obtained under false pretenses or knowingly without a permissible purpose. 

In 2012 Massachusetts Attorney General strengthened the state laws regulating debt collection. See Code of Massachusetts Regulations, 940 C.M.R. §§ 7.01 through 7.11.

If you are experiencing harassing or abusive communications from one or more debt collectors, or if you believe your credit report has been unlawfully obtained, contact the Law Office of Barbara L. Horan for a no-cost initial consultation regarding your claims.

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