Consumers have protections against unfair and deceptive business practices. We litigate on behalf of consumers to uphold those rights under the Massachusetts Consumer Protection Act, General Laws Chapter 93A (often called “Chapter 93A”). Chapter 93A prohibits unfair and deceptive business practices.
Debt collectors (and creditors) are not allowed to harass consumers when they try to collect debts. The federal Fair Debt Collection Practices Act (FDCPA) and the Massachusetts Consumer Protection Act (also called Chapter 93A) prohibit threats, obscene language, harassing phone calls, or coming to a consumer’s house outside normal waking hours.
Debt collectors who engage in abusive behavior can be sued for up to $1,000 in damages, plus any other damages associated with the harassment.
There are many reasons debt can suddenly become overwhelming. Medical bills, divorce, job loss, and other life situations can put you at a disadvantage. Knowing all the options open to you is a good first step in getting debt under control. We look at your particular situation and can recommend solutions right for you. Sometimes, if you’ve been harassed by debt collectors unlawfully, you may have leverage to settle for pennies on the dollar or eliminate the debt altogether.
Debt collectors often file hundreds of collection lawsuits at once with little or no evidence that they actually own the accounts they’re suing on.
There are many defenses that consumers can use to defend against debt collection lawsuits. If consumers seek legal representation, the statistics show that they win the majority of the time.
Student loan debt can be some of the largest debt you incur and can often become unmanageable. If you are receiving harassing calls from debt collectors, are being threatened or sued, are in default or can’t afford the minimum payment, or are considering bankruptcy, we may be able to provide some relief or ideas that could ease the burden.
The Fair Credit Reporting Act, (FCRA) 15 U.S.C. 1681, is the federal law that regulates what can and cannot be listed on your credit report. If you have an inaccurate item on your credit report and notify the credit bureaus (TransUnion, Experian, and Equifax) and the creditor and it is still not removed, you may have a claim against them.
We can help you uphold your rights and can often take these cases on contingency if you have proof that the item is inaccurate and they have refused to remove it. Our goal will be to have the item removed on your credit report from all bureaus and to get monetary claims for these violations.
Criminals often steal peoples’ identities to obtain credit. If this happens to you, it is very important to act quickly and put a fraud alert on your accounts. If you have placed fraud alerts and still get incorrect items on your credit report, you should dispute them. If the credit bureaus refuse to remove any of the information, you may have claims against the credit bureaus and creditors for violations against the Fair Credit Reporting Act.
As a consumer you have protections against unfair business practices. This can occur in large transactions or repeated small infractions. If you feel you’ve been treated unfairly by a business and this treatment has brought financial hardship to you or your family, we may be able to assist you in bringing claims against the business.<br>We handle all forms of consumer frauds, misrepresentations, and other deceptive practices, including failure to adhere to sale and purchase terms, refusal to keep contractual promises, and inaccurate and misleading advertising.
We help people like yourself deal effectively with financial difficulties and other legal problems to find their way to a new financial beginning. We help consumers obtain debt relief through bankruptcy filings and will work to protect your rights and assets during the process. We help clients avoid foreclosure, repossession and garnishment. Our attorneys also fight on behalf of victims of abusive debt collection practices, consumer fraud, and mortgage servicing infractions including unlawful foreclosure actions.
Class action law suits allow individuals and consumers to stand up together against the most powerful businesses and hold them accountable for their actions. A class action is a type of lawsuit in which the claims and rights of many people are decided in a single case. Specific plaintiffs are named in the lawsuit to assert the claims of the entire class so that everyone with the same claim or injury doesn’t have to file their own separate lawsuit.
Although Massachusetts is an “at will” employment state, there are many ways that a firing can be illegal, such as for age, nationality, race, sex, religion, disability, or for public policy reasons.
The Massachusetts minimum wage, as of January 1, 2015, was $9/hour. On January 1, 2016, it increases to $10/hour. And on January 1, 2017, it increases to $11/hour. An employer cannot make you agree to accept less than minimum wage. If an employer fails to pay at least the minimum wage, they are liable under the Massachusetts Wage Act for treble damages, costs, and attorney fees.
Most workers cannot be classified as independent contractors under Massachusetts law. Instead, they must be paid as regular W-2 employees with payroll deductions for taxes, Social Security, and must be paid Workers Compensation. Nevertheless, many employers illegally deprive employees of protections and misclassify them.
If you are starting or even considering starting a business, let us guide you. If you are considering purchasing a franchise, we can advise you on the potential legal issues, obligations, and benefits.
If you already run a business, we will represent you in business disputes, litigation, and negotiation of deals and contracts. Your bottom line is our first concern, and we make every effort to resolve disagreements as efficiently as possible.
+ Business Law
Choosing the right type of business entity for your business is a vital step. There are a variety of corporate forms to choose from
+ Business Formation
Whether you’re an individual or you’re running a business, your credit report is the first place creditors looks when deciding whether to loan you money.
+ Credit Reporting and Credit Repair
We help businesses and consumers dealing with debt including debt settlement negotiations and when you are being sued by a debt collector. Most debts can be negotiated for less than the claimed balance, or paid off over time.
+ Business and Personal Debt
If you need a business dispute or business litigation attorney, you need someone who has both business savvy and trial experience. We have both.
+ Business Disputes and Litigation