The Debt Collection Playbook
Proof is Power
Contracts, invoices, texts, emails… gather all evidence of the debt.
Time is Your Ally (and Their Enemy)
Interest accrues. Late fees may apply. The longer they wait, the more they may owe.
Track Every Penny
Principal, interest, late fees… don't miss a dollar.
The Debtor's Options
Many states allow you to recover collection costs, including attorney fees in some cases. Know your rights.
Debt Collection Laws
Applicable Laws
- FDCPA
- Massachusetts Debt Collection Regulations - 940 CMR 7.00
Small Claims Limit
$7,000
Consumer Protection Agency
Massachusetts AGO / CFPB
Essex County Debt Collection Resources
Local Court Information
Essex District Court - Small Claims Session
Filing Fee: $40-$75
Local Consumer Protection
Massachusetts AGO / CFPB
Serving: Lynn, Salem, Peabody, Lawrence, Haverhill
Collection Combat FAQ
When Do I Strike?
After the second broken promise. Time to get serious.
What If They Ignore It?
Then you may need to consider legal action. Consult an attorney.