Debt Collection Blog

"Relentless Collection Attorneys"

Alan Cohen

Have a Massachusetts Debtor? Don’t Rely on Collection Agencies to Try to Do What Experienced Business Debt Collections Lawyer Alan M. Cohen Can Do to Collect Your Debt

For a business, cash flow is everything since no business can survive for long if customers do not pay on time. Customers who refuse to pay on time can bring everyday processes within a business to a screeching halt and disrupt the whole company, leading to adverse conclusions. This is just one of the many reasons why business owners who are dealing with overdue account receivables need to hire the experienced attorney at the Law Offices of Alan M. Cohen LLC, who focus on commercial debt collection in the state of Massachusetts.

The main question is how to handle overdue payments from your customers. Bad debt collection is a lot different from collecting money according to the payment terms that are given on the contract. While a delay of up to 10 days may be accepted by some companies to some extent, after 120 days, it becomes clear that the customer is in no mood to make their payments.

In such circumstances, business owners need to have a firm policy in place that sees to matters of overdue account receivables, and more importantly, makes sure you are able to recover your money.

The Options

Not all customers are the same. While some of your customers will make their payments on time, others will not be that punctual with their payments. Then there are some that will refuse to pay altogether, and could challenge your attempts to get them to pay you for services rendered or products that were provided by your company.

In such circumstances, there are two ways a business owner can go about getting back their money. One option is passive and often ineffective. The other is aggressive, relentless and   will not have you waiting for too long to get back your payments. Let’s start first with your weakest option.

Debt Collection Agencies vs. Debt Collection Attorney

If your customers are no longer answering your calls or emails, then your receivables are turning into what are known as uncollectible accounts. This may lead the business owner towards choosing a debt collection agency. Don’t. There are a few problems with this option.

One of the most common complaints of debt collection agencies is that they do not abide by the rules and regulations, regardless of which State they operate in. Some use unscrupulous methods and techniques to get debt payments, often, results in the business owner never seeing their money again, because the debt collection agency they ended up hiring broke a few laws in the process of getting back their payments and are now slapped with a big fat fine by the court. Good bye payments!

Debt collection agencies cannot go to court. They cannot use the tools available to lawyers and attorneys to collect a debt. In short, they ultimately rely on the good faith of your debtor to make payments. While occasionally effective in many cases use of collection agencies just delays payment by allowing the debtor more time to hide its money or wind down its business. Accordingly, when compared to experienced commercial collection lawyers the choice is clear if you want to get paid.

Further, one of the many reasons why hiring a debt collection agency to get back your delinquent debt is because the process can be painfully long, so long that it may result in you not seeing your money ever again. This is mainly due to the fact that a debt collection agency is not authorized by the law to carry out any legal action against the person who has to pay you money. Many collection agencies send out letters, some once a week, some once a month. Time is not your friend. It is the friend of your debtor. 

Besides that, a debtor is not required to listen to the debt collection agency when they call or send emails to the debtor for the payments. This is one of the reasons why a debt collection agency is a bad option for those who are looking to get back their payments. Going the collection agency route can be long. At the end of the road, you still need to file suit to obtain a judgment. Remember, in Massachusetts judgments are still good for twenty years. Depending on what you sold to your now debtor, your statute of limitations for collecting your money can span between four and six years, unless your contracts meet certain criteria. All the debtor has to do is to play four corners and try to run out the clock. In many cases, the manner used by collection agencies is designed to give the debtors time. It kind of makes sense in that many collection agencies charge diminimis fees such as 10 to 15% of the amount collected. Do you really think that they will go all out for you at that percentage??

One of the favorites for collection agencies, as many business owners find out when it’s too late, is that they charge for added services, such as hiring an attorney to take legal action on the debtor. Since a collection agency is not authorized by the law to carry out any legal action, they have no choice but to hire attorneys who specialize in debt collection.

To make a profit, a collection agency then has to charge extra for their services. In short, whether you are able to get back your payments or not, eventually the debt collection agency will need to bring on an attorney to do what they cannot This brings us to our next point.

Legal Action

By far, one of the main reasons why hiring a debt collection agency is a bad idea for a business looking to get back its money is because an agency cannot take any legal action against the debtor. So, the debt collection agency’s services are limited to making calls and sending the debtor emails or letters . Besides that, the debtor is not required to answer the calls and emails of the collection agency simply because they do not have any legal obligation to do so.

On the other hand, hiring a collection attorney means that your debtor can immediately  be taken to court and eventually compelled to make payments if they are able, which is much more efficient then making calls and sending the debtor emails. This also happens to be one of the reasons why smart business owners always turn to the Law Offices of Alan M. Cohen LLC when it comes to collecting delinquent debt in Massachusetts.

Why You Need the Law Services of Alan M. Cohen LLC.?

As mentioned earlier, you do not want to wait too long when it comes to collecting debt from someone who is in no mood to pay. Wasting too much time could actually lessen the chances of you getting paid at all, which is something every business owner looking to get their debt paid will want to avoid at all costs.

By hiring the experienced debt collection attorneys at the Law Offices of Alan M. Cohen LLC., you can significantly increase your chances of getting your money back. The Law Offices of Alan M. Cohen LLC waste no time in making calls to the debtors or sending them letters or emails. We cut to the chase when it comes to getting back your money and haul the debtor straight in to court by taking legal action against them.

Here’s How We Can Help You?

As a lawyer who is experienced in debt collection in the state of Massachusetts, Alan M. Cohen has seen them all when it comes to collecting delinquent debt. Unlike a debt collection agency, a debt collection lawyer can take legal action against the debtor to increase your chances of getting back your overdue payments. If you are still on the fence of whether or not you should hire a debt collection lawyer, the following are some more reasons that should help change your mind:

Experience Counts

As mentioned earlier, the Law Offices of Alan M. Cohen LLC has years of experience in the area of collecting delinquent debt in Massachusetts. This is one major reason why those businesses who are struggling to get their debtors to pay turn to our services since we have the tenacity, relentlessness and know-how when it comes to debt collection in Massachusetts. We know the ins and outs of the legal procedures that goes into the collection of debt in Massachusetts, and we have experienced lawyers who can give you the legal advice, guidance and representation you need that we believe significantly increases your chances of getting paid by the debtor who is avoiding their payments.

The Law Offices of Alan M. Cohen LLC., has years of knowledge and honed skills in the various techniques that need to be used in different scenarios when it comes to the collection of delinquent debt in Massachusetts. So, rather than wasting time with a debt collection agency, you can hire the Law Offices of Alan M. Cohen LLC and increase your chances of getting paid.

Exceptional Customer Service

At the Law Offices of Alan M. Cohen LLC., we are all about providing our clients with a personalized customer experience that they are going to appreciate. This means we keep our clients in the know during all stages of the debt collection process. Rather than having our clients guess what happens next, we are in the position to let our clients know exactly what we are going to do next, and which actions we think will work to get their payments. Once you hire the Law Offices of Alan M. Cohen LLC, you can rest assured that you are going to get a customer service experience that’s unparalleled, when it comes to collecting delinquent debt.

No Sending Repetitive Letters to Debtors

One of the major reasons why hiring a debt collection agency is so ineffective when it comes to the collection of debts in Massachusetts, is that the collection agency can only send the deadbeat repetitive letters and emails which the deadbeat can then just ignore, since they are not required to answer any emails or letters from a debt collection agency. However, hiring an experienced debt collection lawyer such as the Law Offices of Alan M. Cohen is a whole other story.  But, we don’t give them the luxury to decide whether they should make their payment on their own terms, irrespective of your terms. At the Law Offices of Alan M. Cohen LLC, we move to file a suit against the debtor immediately to bring the full force of the law to try to collect your unpaid bills.

After a quick review of your case, we get to work. We believe, as do our clients, that our aggressive approach to debt collection increases our client’s chances of getting paid.. We seek to convince the courts to issue out ex parte attachments of the debtor’s property and any bank accounts which they might have. The strategies that are used for debt collection by the Law Offices of Alan M. Cohen LLC are ethical and follow the rules and regulations in the state of Massachusetts, so creditors and business owners can rest assured that they are not going to get fined because of the use of unethical and unlawful means of debt collection.

Alan M. Cohen: A Name You Can Trust

Once you hire us, we move quickly and seek to find out all the assets of the deadbeat before moving towards prejudgment attachments. After judgment, we revisit investigation of your deadbeat’s assets and seek to attach them post judgment. In addition, we also pursue supplementary processes or wage attachments to get the debtor to pay the money they owe you. Through the years, the Law Office of Alan M. Cohen LLC., have been known for our aggressive approach when it comes to collecting debt by throwing everything but the kitchen sink at your debtor until they pay up.

To find out more on how we can make that possible for you contact the Law Offices of Alan M. Cohen LLC today at (508) 620-6900 or email us at

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