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In Massachusetts, consumers are protected from aggressive or unfair practices by debt collectors under state laws. The Debt Collection Act (DCA) regulates the behavior of collection agencies and ensures that individuals are treated fairly during the debt recovery process. This act prohibits debt collectors from engaging in abusive, false, or deceptive acts when attempting to collect a debt. For instance, they cannot call you at unreasonable times or places, use threatening language, or falsely represent themselves as government officials.
Additionally, the DCA sets guidelines for the communication between collectors and debtors. It requires collectors to provide validation of the debt, meaning they must prove that the amount owed is accurate. Consumers also have the right to dispute the debt and request verification of the creditor’s claim. These laws are designed to safeguard Massachusetts residents from harassment and ensure a more transparent and equitable collection process, especially when dealing with in the state.