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Massachusetts Debt Collection Laws and Statutes

Below you will find important information on Massachusetts state debt recovery laws including: Massachusetts Statutes, Judgments, Garnishments, Interest Rates, and Bad Check Laws.

STATE: MASSACHUSETTS

Interest Rate

  • Legal: 12%
  • Judgment: 12%
  • Contract: 12%

STATUTE OF LIMITATIONS (IN YEARS)

  • Open Account on Contract: 6
  • Contract: 6
  • Sales (UCC) Contract: 4
  • Specialty: Contract Under Seal: 20
  • Domestic Judgment: 20 (presumed satisfied after 20 years)
  • Foreign Judgment: 20

BAD CHECK LAWS (CIVIL PENALTY)

Amount due, costs of suit, protest fees. Additional damages $100 – $500 can be assesed.

GENERAL GARNISHMENT EXEMPTIONS

$125 week.

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