Overview

Anyone who has found himself or herself in the unfortunate position of being unable to pay his or her bills also has probably found himself or herself contacted by debt collectors on behalf of the creditor (the person owed the money). This is often a disheartening experience. The federal government however has recognized that debtors (the people who owe money) have rights when it comes to the collection process and has enacted the Fair Debt Collection Practices Act which is the law in all of the states. In addition many states including Massachusetts have passed their own laws supplementing the federal legislation.