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Massachusetts Debt Settlement.

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Be sure to include all credit cards and unsecured debt. Do not include IRS debt, student loans, car loans or home mortgages.

Debt Settlement which is also known as debt negotiation, is when our attorneys negotiate a settlement on your debts on behalf of you as our client. Most of the time GoDebtRelief.com can greatly reduce the monthly payments of our Massachusetts clients, and can typically settle our Massachusetts clients debt for between 40 and 50% of what they owe. The amount of money you will save with our debt settlement program is amazing. Debt settlement is the quickest and cheapest debt relief, debt reduction or debt help available to everyone throughout Massachusetts.

If you have had enough with your credit cards, medical bills, or collection accounts, Call to speak with one of our representatives:
(866) 910-9081

We specialize in:

Important Massachusetts Debt Settlement and Debt Consolidation Laws.

(Note: This is only to be used as an informational debt resource for residence of Massachusetts and should not be considered and does not constitute legal advice. If you are looking for legal advice contact a licensed attorney in Massachusetts)
Debt Collection

Massachusetts (MA) works in accordance with the federal laws in dealing with collection agencies and or law firms that collect debts. These laws are known as the Fair Debt Collection Practices Act (FDCPA)

In addition in Massachusetts

The original debt collector may contact a third party about the debt for a limited number of times.
The debt collector and the original debt collector is not allowed to:
Call more then twice in one week to the home or to call more than two times in a month to places other than their home.
not permitted to call unauthorized third parties about the debts
permitted to make only one visit without consent over a 30 day period
not permitted to make any office visits without consent
not permitted to suggest that they are a lawyer or allowed to give legal advice
Creditor must send a written notice within 30 days of their first communication with their debtor

NOTICE OF IMPORTANT RIGHTS

THE CREDITOR HAS THE RIGHT TO MAKE A WRITTEN OR ORAL REQUEST THAT TELEPHONE CALLS REGARDING THE CREDITORS DEBT NOT BE MADE TO THEM AT THEIR PLACE OF EMPLOYMENT. ANY SUCH ORAL REQUEST WILL BE VALID FOR ONLY TEN DAYS UNLESS YOU PROVIDE WRITTEN CONFIRMATION OF THE REQUEST POSTMARKED OR DELIVERED WITHIN SEVEN DAYS OF SUCH REQUEST. YOU MAY TERMINATE THIS REQUEST BY WRITING TO THE CREDITOR.

Massachusetts Debt Law

The maximum Interest Rate a Collection Agency Can Charge in Massachusetts is 6%

Massachusetts Wage Protection is $125 per week or 75% protected by federal laws.

The Statute of limitations is the amount of time by law for a set period of time after a certain event, that legal proceedings can happen based on that event can be initiated. With debt, the statues of limitation apply to the time period after you have become past due on your payments. In other words. You are not considered delinquent based on your last payment, but rather the day that you went past due.

Statue of Limitations.

Oral Agreements are 6 years
Written Contracts are 6 years
Promissory Notes are 6 years (20 years if signed before a witness)
Open Accounts (credit cards) are F6 years

Bankruptcy Courts

United States Bankruptcy Court
1101 Thomas P. O'Neill, Jr. Federal Building
10 Causeway Street
Boston, MA 02222-1074

Worcester
United States Bankruptcy Court
Donahue Federal Building
595 Main Street, Room 211
Worcester, MA 01608-2076

Springfield
United States Bankruptcy Court
Federal Building and Courthouse
1550 Main Street
Springfield, MA 01103
When dealing your old debt, it's vital to know your limits. It could be the difference between thousands of dollars in old debt or hundreds.

Once a debt passes beyond the statute of limitation in your state, a debt collection agency no longer has the right to sue you for payment.

Any debt collection agency who threatens to sue you over a debt that is beyond the statute of limitation in your state is in violation of the Fair Debt Collection Practices Act.

If you need help with a delinquent debt, visit the Web site of the National Association of Consumer Advocates or call us toll free 1-866-910-8091.
Contact your MA. state attorney general,

	Martha Coakley (D)	(617) 727-2200
1 Ashburton Place, Boston, MA 02108-1698 http://www.mass.gov/ago/

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