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DebtShield

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MA Debt Laws

Massachusetts Debt Collection Laws

Know your rights in Massachusetts. The statute of limitations, garnishment rules, and exempt income can make or break your debt dispute.

6 years

Credit card SOL

6 years

Written contract SOL

15% of gross wages

Garnishment limit

Massachusetts Collection Law

Chapter 93A Consumer Protection

File complaints with: AG Consumer Protection

Income Protected from Garnishment in Massachusetts

Social Security
Unemployment
Workers' comp
Pension
Veterans' benefits

Key Massachusetts Protections

Chapter 93A — treble damages for willful violations
Low 15% wage garnishment
Strong AG enforcement

Federal Laws (Apply in Massachusetts)

  • FDCPA (15 USC § 1692) — debt collector conduct rules
  • FCRA (15 USC § 1681) — credit reporting accuracy
  • FTC Act § 5 — unfair/deceptive practices
  • CFPB Reg F — debt collection communication rules
Generate Massachusetts Debt Dispute Letter

DebtShield auto-cites Massachusetts laws + FDCPA