Legal Question in Credit and Debt Law in Massachusetts

Re: Credit collections in MA

This question is particular to Massachusetts law: Under MA Reg. 940 C.M.R. 7 & 209 C.M.R. 18 collectors/creditors are at least prohibited from quote: ''Calling & TALKING to you at home more than twice in each 7-day period per debt.'' Does anyone know if the term ''TALKING'' includes an actual conversation with the debtor or if a continued harrassing recorded message includes ''TALKING'' to the debtor.

I will pose this same question to the Massachusetts Attorney General's Office to see if they are ''on the same page'' with your expert opinion(s), nevertheless thank-you all in advance for your input on this matter. I have been contacted as of today over 5-times by Universal Fidelity, LP regarding a $50 debt, over the past 7-day period, 1 call in an actual conversation, the other 5-times via recorded messages to call them.


Asked on 5/19/09, 5:23 pm

1 Answer from Attorneys
JOHN TATOIAN LAW OFFICE OF JOHN A. TATOIAN ESQ.*Licensed Only in Massachusetts

Re: Re: Credit collections in MA

Engaging any debtor in communication via telephone is the plain wording of the regulation. The practical interpretation of those words is up to a judge.

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Answered on 5/22/09, 1:13 pm


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