Stop collection attempts on old or time-barred debts that can no longer be enforced. This template is customized for Massachusetts residents with relevant state law citations.
Massachusetts Legal Requirements
Your demand letter should reference Massachusetts-specific laws including FDCPA.
- FDCPA
- Massachusetts Debt Collection Regulations - 940 CMR 7.00
Next Steps if They Ignore You
If your demand goes unanswered, you can escalate to Massachusetts small claims court or file a complaint with Massachusetts AGO / CFPB.
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.
Zombie Debt Collection FAQs for Massachusetts
What laws protect me in Massachusetts for zombie debt collection?
Massachusetts consumers are protected by FDCPA and Massachusetts Debt Collection Regulations - 940 CMR 7.00. Your demand letter should reference these specific statutes.
What is the small claims limit in Massachusetts?
The small claims court limit in Massachusetts is $7,000. If your dispute exceeds this amount, you may need to file in a higher court.
How long do I have to file a claim in Massachusetts?
Deadlines vary by claim type. Generally, you should send your demand letter as soon as possible after the dispute arises.
Create Your Massachusetts Demand Letter
Generate a professional zombie debt collection demand letter tailored for Massachusetts. Our free tool includes relevant state law citations.
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