Sued for Debt in Massachusetts? We Can Help
Our attorneys negotiate with debt collectors in Massachusetts to reduce what you owe — often by 50-70%. Free consultation. Learn about your rights, deadlines, and options below.
Response Deadline: 20 Days
You have 20 days from the date you are served to file your Answer with the Massachusetts court. Missing this deadline results in an automatic default judgment against you.
Statute of Limitations in Massachusetts
| Debt Type | Years |
|---|---|
| Credit Card | 6 |
| Medical Debt | 6 |
| Auto Loan / Deficiency | 6 |
| Personal Loan | 6 |
| Written Contract | 6 |
| Oral Contract | 6 |
The statute of limitations is measured from the date of your last payment or activity on the account. If the SOL has expired, the debt is time-barred and you have a strong affirmative defense.
Wage Garnishment in Massachusetts
Wage garnishment is allowed — up to 15% of disposable earnings
Only 15% of gross wages or amount exceeding 50x minimum wage. Massachusetts is very protective.
Court System in Massachusetts
Small claims limit $7,000. District and superior courts for larger cases.
Filing fees: $40-$300
Massachusetts Consumer Protection Law
Massachusetts Consumer Protection Act (Chapter 93A)
In addition to the federal FDCPA, Massachusetts has its own consumer protection law that may provide additional rights and remedies against debt collectors. Violations of state law can result in additional damages.
How We Help With Massachusetts Debt Cases
- Free consultation. Tell us about the lawsuit and the debt. We review your case and assess your options at no cost.
- Case assessment. We evaluate the strength of the collector's case, check for FDCPA violations, and determine the best approach — negotiation, defense, or counterclaim.
- Attorney negotiation. Our attorney contacts the collector directly and negotiates a reduced settlement. Most Massachusetts clients save 50-70% of their original debt amount.
- Resolution. You pay the agreed settlement, the lawsuit is dismissed, and the case is closed. No court appearances, no filing paperwork yourself.
Note: You have 20 days to respond to the lawsuit in Massachusetts. Contact us as soon as possible to ensure we can negotiate before the deadline.
FAQ: Debt Collection in Massachusetts
How long to respond in Massachusetts?
20 days from service.
What is the SOL?
6 years for all contract types.
How much can they garnish?
Only 15% of gross wages — Massachusetts is one of the most protective states for wage garnishment.
What is Chapter 93A?
Massachusetts Chapter 93A is a powerful consumer protection law that allows treble (triple) damages for unfair and deceptive practices.
Reviewed by [Attorney Name], Esq. Last updated March 2026. This information is for educational purposes and does not constitute legal advice.
Get Help With Your Massachusetts Debt
Our attorneys negotiate with collectors in Massachusetts to reduce what you owe. Free consultation — contact us today.
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