Debt Collection Defense for Massachusetts Consumers

Defenses to Debt Collection Lawsuits

Fighting Back Against Creditors, Debt Buyers, and Collection Law Firms

Your Rights Under the Fair Debt Collection Practices Act (and its Massachusetts Counterpart

You may have more rights than you know. Debt collectors routinely violate the law, leaving consumers like you with legal remedies.  Culik Law can help you defend against the harassment of debt collectors, prevent garnishment, stop lawsuits, overturn default judgments, and defend your rights to the fullest extent of the law. Consumer law, collections, and debtor-creditor issues Fair Debt Collection Practices Act violations.

• Consumer law, collections, and debtor-creditor issues
• Fair Debt Collection Practices Act violations
• Truth in Lending Act violations
• Suing for unfair and deceptive business practices under the Massachusetts Consumer Protection Act, M.G.L. 93A
• Fair Credit Reporting Act claims
• Inaccurate credit reports

There a number of different levels that debt collectors work on, and different defenses to the collections that they attempt. In most cases, the debt being collected is a credit card, medical bill, utility, or sometimes even a second mortgage.

If the creditor pursuing you is the original creditor (like the credit card company, typically Chase, Bank of America, Citi, Discover, Capital One), then the methods for defending against them may be different than if you are being sued by a debt buyer (companies that buy debts from original creditors just so they can sue people on them).

Culik Law will evaluate your case to see if there are any valid defenses to the debt collection lawsuit.