quat

Practice Areas

About . . .

Massachusetts Consumer Rights Attorney Kenneth D. Quat

Debt Collection Defense

Many collectors resort to unlawful tactics in order to pressure consumers to pay debts. Quat Law Offices devotes a significant portion of its time and resources to assisting consumers in defending against unfair and deceptive debt collection practices.

These efforts often cause the collector to reduce the claim or eliminate it entirely. In many cases, our client can actually recover money from the collector due to the violation of the consumer’s rights.

The federal Fair Debt Collection Practices Act (“FDCPA”) and the Massachusetts Consumer Protection Act (“Chapter 93A”) provide substantial protections to consumers who are the target of debt collection activity. For example, did you know...

It is unlawful for a collector to:

  • Call before 8 a.m. or after 9 p.m.?
  • Call at work after being notified not to?
  • Threaten any action that is not taken or intended to be taken?
  • Threaten to have you arrested or to “ruin” your credit?
  • Not inform you that you have a right to dispute the debt?
  • Add undisclosed fees or costs to the debt?
  • Undertake any collection activity if not licensed in Massachusetts?

These are just a few of the many rights that consumers enjoy under federal and state law.

We get results for you...

  • A Sudbury man was sued on a credit card account in state district court by assignee of original creditor. Counterclaims were asserted based on collector’s failure to validate debt in response to his timely request, and failure to be licensed as a debt collector in Massachusetts. Settled with total cancellation of debt, credit repair, and payment of legal fees and costs.
  • A Cambridge woman was sued in small claims court by company which purchased debt from assignee of original creditor. Collector couldn’t establish all links in chain of title, and wasn’t licensed as debt collector in Massachusetts. Settled with total cancellation of debt, payment of legal fees and costs.
  • A Swampscott woman with a similar name as actual debtor was mistakenly called several times by collection agency. One of the calls was abusive, accusing client of being a deadbeat and purposely avoiding debt. Agency also called neighbor for improper purpose. Suit was filed against agency in federal district court. Settled on confidential terms.

If you think you may be the victim of an unfair or deceptive debt collection practice, we advise that you contact us.