Debt Collection Blog

"Relentless Collection Attorneys"

Alan Cohen

We Don’t Make Calls. We Don’t Write Letters (Unless You Insist). We Take Action to Collect Your Delinquent Debt

More often than not, creditors make the mistake of not acting quick enough when it comes to collecting delinquent debts. This is a big mistake, especially if the debtor has not made the appropriate effort to either pay or resolve the delinquent debt. An experienced collection attorney, focusing  on debt collection can maximize the chances of the collection of delinquent debts owed to the creditor by utilizing the right recovery tools.

Who is a Creditor?

According to Massachusetts Regs. code title, 940, 7.03, a creditor is a person engaged in collecting a debt that is owned or alleged to be owed to them by another person or organization, which is called the debtor. This also includes a buyer who purchases delinquent debts and hires a third party or attorney for the collection of those debts.

What is a Debt?

A debt is defined as money that someone owes which is past due, as the result of a purchase or loan, or lease of goods and services, or personal property, or as a loan of money that is obtained. Although, the prior version of the Mass. Regs. Code title, 940, 7.03 excluded any loans or first mortgages that are in excess of $25,000 from the definition of a debt, the exclusion was removed, which made debt collection regulations applicable to various forms of consumer purpose credit.

Validation Notice for Debt Collection 

On a consumer debt a creditor is required under law to provide a debt validation notice, which is something that’s similar to what is required under the Fair Debt Collection Practices Act. Under the regulations, creditors are required to provide the debtor or their attorney with an initial communication for the collection of debt that is owed, unless suit is immediately filed. This initial communication by the creditor’s attorney to the debtor will include important information, such as, the full amount of the debt that is owed, the name of the creditor, and a statement that unless the debtor disputes the validity of the debt within the next 30 days, the claim of debt by the creditor will be assumed as valid.

If the debtor does decide to notify the creditor within the 30-day period and dispute the claim, then the creditor’s attorney needs to send a statement to the debtor via first-class mail, which will include information such as, all documents along with electronic records concerning the debt being collected that bear the debtor’s signature. Ledger, copies of account statements, or other similar records that reflect the date and the amount that needs to be collected by the creditor. This will also include the name and address of the creditor, and a copy of the judgment that was obtained against the debtor, if any. Under Mass. Regs. Code tit. 940, 7.08, the creditor must cease any efforts to collection any outstanding debt until these documentations have been provided to the debtor. This is one of the reasons that the Law offices of Alan M. Cohen LLC does not send letters, unless instructed to do so. Instead, we immediately bring suit to minimize delay, especially in commercial debt collection.

Not Just Oral Communication

The Law Offices of Alan M. Cohen LLC, has over three decades of experience in the collection of personal and commercial debt collection in the state of Massachusetts. More importantly, we don’t just stop with providing the necessary documentation for the collection of the debt, we go the extra mile for the collection of any outstanding debts of our clients. After you have hired us, you can rest assured that we will take the necessary legal steps to enhance your chances of getting payments for your delinquent debts.

Quick Action, Better Results

The reason why we work as quickly as possible is because we understand the importance for urgency, especially in cases where creditors are looking to get their judgment payments. Not acting quickly could  just mean you’re leaving money on the table. When it comes to debt collection, we have the knowledge, skills and experience to put up an aggressive fight to increase your chances of getting payment for your delinquent debt. We don’t  make phone calls or write letters to get back your delinquent debt, we immediately file suit seeking to obtain pre-judgment attachments of the debtor’s assets  to increase the chances of getting your debt paid.

With years of experience in specializing in debt collection in Massachusetts, we have experience in the ins and outs of the Massachusetts debt collection rules and regulations. We have the experience that’s required and use those laws to our advantage in order to increase your chances of getting paid. We use proactive and aggressive methods to get your delinquent debts paid, while still operating within the constraints of the local laws of Massachusetts. With our help, you will have a better chance of receiving payments for your delinquent debt without having to wait too long.

Best Practices for the Collection of Delinquent Debt

As  commercial debt collection lawyers, we know the importance of establishing an implementing efficient and effective strategies for the collection of debt. At the Law Offices of Alan M. Cohen LLC, we use a tried and true collection strategy to attempt to collect  your delinquent debts, and we use various collection tools at our disposal to enhance your chances of getting a judgment payment. We make sure that all of the debt collection strategies that we  use follow strict statutory requirements.

Our debt collection strategy can facilitate your debt collection by offering creditors a uniform and systematic method of collecting their payments. Preferably, we always seek to get payments for delinquent debts in a lump sum. We can also help collect your debts in installments if the debtor is unable to make the full payment in a lump sum. Where a debtor can’t afford to pay off the debt and seeks to make payments over time, we work hard to make sure that we have obtained collateral as security for those payments.

When it comes to dealing with a debtor that just won’t pay, there’s no need to take any chances. What you need is an aggressive and proactive attorney with experience in commercial debt collections in Massachusetts. If you don’t want to keep running around in circles, get in touch with the Law Offices of Alan M. Cohen LLC today at (508) 620-6900 or email us at

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