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Q:
What is the statute of limitations on debt collection in Massachusetts?

A:

There is no statute of limitations on billing/collection for bad debts in Massachusetts.However, there are statutes of limitations for filing lawsuits to collect upon a debt. The statutes can vary, but in general there is a 6 year statute of limitations for filing a lawsuit in regards to bad debt.

There is also a 7 year statute for reporting bad debt to the credit bureaus. As long as creditors and collection companies follow the Fair Debt Collection Practices Act, they can continue to attempt collection indefinitely, short of the lawsuit limitation. However, your consumer debt collection rights do not hinge upon statutes of limitations.

Your Consumer Debt Collection Rights

Federal laws under the Fair Debt Collection Practices Act protect you from unscrupulous collection agencies and their scare tactics. If a debt collection agency employs illegal practices against you, a Massachusetts debt collection class action attorney is your best line of defense.

Many illicit debt collection companies have been brought to justice because a Massachusetts class action claim was successfully filed against them. Illegal debt collection practices include: 

  • The increase of debt without authorization
  • Illegal threats of actions
  • False threats 


There are also privacy protections that prohibit collectors from divulging your debts to anyone except you and your spouse. A Massachusetts class action attorney can help determine if these illegal practices are being used against you and other consumers, and if substantiated, can file a Massachusetts class action claim.

If you received any communications from debt collection agencies outside of fair practices standards, make copies of any correspondence and contact a lawyer in our Massachusetts class action attorney firm today.

The Massachusetts class action attorneys at Phillips & Garcia will fight for your rights in a Massachusetts debt collection class action claim. We are committed to protecting your best interests and helping you move on with your life. Contact Phillips & Garcia today to schedule your FREE legal consultation - (877) 892-5620.