State protections
Debt collection protections in Massachusetts
What Massachusetts adds on top of the federal FDCPA, and how to use it. Last reviewed July 22, 2026.
The short version
Massachusetts regulations cap how often a collector may contact you — notably stricter than the federal rule — and detail unfair or deceptive practices.
Massachusetts debt-collection regulations — 940 CMR 7.00 (AG) · 209 CMR 18.00 (Div. of Banks)
What Massachusetts adds on top of the FDCPA
- Generally limits collectors to no more than two phone contacts per 7-day period.
- Restricts collector contact at your home and workplace.
- Enforced as unfair/deceptive acts under Massachusetts consumer law (Ch. 93A).
Can you record a collector's call in Massachusetts?
Not without everyone's agreement. Massachusetts bans secret recording outright. Unlike most states it turns on secrecy rather than consent, which makes it among the strictest in the country. Read the detail for Massachusetts.
Document it while it's happening
State overlays only help if you can show what happened. Log each contact with its date and time and Collector Audit checks it against both the FDCPA and Massachusetts's rules.
Start a fileStop the calls
Or let us send the cease & desist for you.
Once the collector receives written notice to stop contacting you, § 1692c(c) requires them to stop. We draft it against your file, print it, and send it certified with tracking — so you have proof of the date they received it.
- Drafted from your logged contacts
- Printed and mailed certified, with tracking
- Delivery date filed to your evidence vault
- You approve the wording before it goes
One-time, no subscription. Logging calls is free — you only pay when a letter goes out.
This is general information, not advice
Collector Audit is not a law firm and this page is not legal advice. Statutes change and summaries can't capture how a rule applies to your facts. See all states and our disclaimer.