Recent Posts in Debt Collectors

• Posted By Robert Kovacs 1-Sep-2016

  How Can a Debt Collector Contact You?

  A debt collector should never work to intentionally annoy or harass you. They are in the business of collecting a debt on behalf of a creditor you owe and failed to pay. However, they are professionals and expected to act as such. You have plenty of ...

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• Posted By Robert Kovacs 4-Aug-2016

  To Escape From Creditor Harassment

  If you’re suffering from constant creditor harassment because you’re behind on your debt, you may consider retaining a bankruptcy lawyer and filing for bankruptcy. While you have the option of advising your creditors to stop contacting ...

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• Posted By Robert Kovacs 12-Jul-2016

  How a Bankruptcy Lawyer Can Help You Take Back Control of Your Financial Life

  Financial problems can affect each and every aspect of your life. If you feel like you are drowning in debt and collection calls, now is the time to do something about it if you want to reduce stress and focus on a positive financial future. If you ...

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• Posted By Robert Kovacs 10-Oct-2015

  Three Reasons Why You Need A Bankruptcy Lawyer

  As you think about bankruptcy, you may wonder if it is right for you. Rest assured you were not the only one who feels this way. Many people try every avenue possible before asking the court for relief. Here are three reasons why bankruptcy is a good ...

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• Posted By Robert Kovacs 18-Sep-2013

  What to do When Facing a Debt Collector in Court

  What to do When Facing a Debt Collector in Court Debt collectors buy "charged off" debts from credit card companies. They purchase huge amounts of consumer debts from MA residents and attempt to collect on them regularly, sometimes going as ...

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• Posted By Robert Kovacs 19-Aug-2013

  What to do When Facing a Debt Collector in Court

  What to do When Facing a Debt Collector in Court Debt collectors buy "charged off" debts from credit card companies. They purchase huge amounts of consumer debts from MA residents and attempt to collect on them regularly, sometimes going as ...

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• Posted By Robert Kovacs 4-Mar-2012

  Massachusetts Attorney General Regulations on Debt Collection - complete and full regulations

  7.01: Purpose of Regulations The purpose of 940 CMR 7.00 is to establish standards, by defining unfair or deceptive acts or practices, for the collection of debts from persons within the Commonwealth of Massachusetts. 7.02: Scope 940 CMR 7.00 apply ...

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• Posted By Robert Kovacs 8-Jan-2012

  When a Creditor Violates the Bankruptcy Discharge

  When a Creditor Violates the Bankruptcy Discharge Your bankruptcy discharge is a court ordered permanent injunction prohibiting certain creditors from taking collection action against you. A debt discharged by your Massachusetts bankruptcy cannot be ...

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• Posted By Robert Kovacs 6-Oct-2011

  Debt Collectors Must Obey The Law

  Debt Collectors Must Obey The Law The Washington Post recently reported that a Southern California debt collection firm has been shut down by the Federal Trade Commission for violating debtor harassment laws. What makes this story especially ...

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• Posted By Robert Kovacs 16-Aug-2011

  How Bankruptcy Empowers

  How Bankruptcy Empowers Many Massachusetts residents struggling with debt also feel powerless. Collection agents are skilled at making you feel stressed and hopeless through embarrassing phone calls at work and home; threatening letters; and ...

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• Posted By Robert Kovacs 21-Jul-2011

  When Can I Stop Paying Credit Cards?

  When Can I Stop Paying Credit Cards? Many of my Massachusetts bankruptcy clients ask, "When can I stop paying on my credit cards?" The answer seems obvious: "immediately." If you are filing bankruptcy and discharging your credit ...

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• Posted By 20-May-2011

  The Tough File Bankruptcy

  The Tough File Bankruptcy Massachusetts native Joseph P. Kennedy, Sr., patriarch of the Kennedy clan, was fond of saying, "When the going gets tough, the tough get going." If you are struggling with overwhelming debt, the kind that keeps getting ...

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• Posted By 16-May-2011

  Top Five Bankruptcy Provisions

  Top Five Bankruptcy Provisions Many of my Worcester and Farmington bankruptcy clients report that filing bankruptcy was the best choice they ever made. The Bankruptcy Code provides powerful relief for Massachusetts residents struggling with debt. ...

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• Posted By 4-May-2011

  Bankruptcy's Instant Relief

  Bankruptcy's Instant Relief Individuals struggling with financial difficulty experience many forms of debt-related stress. Harassing phone calls, embarrassing collection letters, lawsuits, garnishments, foreclosure, repossession. . . financial ...

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• Posted By 2-May-2011

  Transferring Property Before Bankruptcy Can Be A Bad Idea

  Transferring Property Before Bankruptcy Can Be A Bad Idea Modern bankruptcy laws permit debtors to keep certain property necessary to maintain a modest standard of living. These laws, called exemptions, protect property from collectors so that the ...

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• Posted By Robert W. Kovacs,Jr. 25-Jan-2011

  New Homestead Law

  On December 16, 2010 the Governor signed into law a new homestead statute (MGL Chapter 188 ). The new law is thought to better protect consumer and their homes from creditors. As a result of either declaring a homestead or use of the new automatic ...

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• Posted By Robert Kovacs 22-May-2010

  I stopped paying my credit card bill. What is going to happen?

  When you stop paying your credit card bill the bank will want to find a way to get you to start paying again. The first step will likely be making phone calls and sending letters. If that does not work the bank may hire a debt collector to turn up ...

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• Posted By Robert Kovacs 20-Mar-2010

  Creditors that continue to attempt to collect on discharged debt are violating the law.

  At the conclusion of most individual bankruptcy cases a Debtor receives a “discharge” of his debts. The discharge is a release of your personal legal obligation to repay your debts. In part that discharge serves as an injunction against the ...

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• Posted By Robert Kovacs 28-Dec-2009

  I just filed for bankruptcy and forgot to tell my lawyer about a creditor

  It is often difficult to keep track of all your creditors. Making matters worse, often times debt collections agents and/or debt buyers make it confusing to understand who you owe. If, for some reason, a creditor is not included in the initial ...

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