Defendant's Attorney: Dax Bowers Grantham

Description: Boston, Massachusetts consumer credit lawyer represented the Plaintiff who sued the Defendants on wrongful debt collection activities.

The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from unfair and deceptive debt collection practices. The law applies to debt collectors who collect debts that are owed to consumers. Debt collectors are companies or individuals who collect debts on behalf of other creditors, such as banks, credit card companies, and hospitals.

Prohibited Practices

The FDCPA prohibits debt collectors from engaging in a number of unfair and deceptive practices, including:

Contacting consumers at inconvenient times or places, such as before 8:00 a.m. or after 9:00 p.m., or at work unless the consumer has agreed to be contacted there.
Threatening to sue or take other legal action against consumers if they do not pay their debts.
Using false or misleading statements to collect debts, such as falsely claiming to be an attorney or government official.
Harassing or intimidating consumers, such as calling them repeatedly or using profane language.
Disclosing consumers' debts to third parties, such as their employers, family members, or neighbors, without their consent.
Taking or threatening to take consumers' property without their consent.
Adding charges or fees to consumers' debts without their consent.

Consumer Rights

The FDCPA also gives consumers a number of rights, including the right to:

Receive a written notice from the debt collector that validates the debt and explains their rights under the FDCPA.
Dispute the debt with the debt collector and request that they stop collection efforts until the debt is verified.
Require the debt collector to communicate with them only in writing.
Sue the debt collector for violating the FDCPA.

How to File a Complaint

If you believe that a debt collector has violated your rights under the FDCPA, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) or the Federal Trade Commission (FTC). You can also file a lawsuit in court against the debt collector.

Additional Resources

For more information about the Fair Debt Collection Practices Act, please visit the CFPB's website or the FTC's website.

Outcome: 11/20/2023 36 AFFIDAVIT in Support re 28 MOTION for Default Judgment as to Massachusetts Constable Inc. d/b/a Massachusetts Constables Office and Brian Abelli, 29 Memorandum in Support of Motion, . (Rosenbloom, Alexa) (Entered: 11/20/2023)
11/30/2023 38 Judge Myong J. Joun: ORDER entered. MEMORANDUM OF DECISION. (York, Steve) (Entered: 11/30/2023)
11/30/2023 39 Judge Myong J. Joun: ORDER entered. JUDGMENT. (York, Steve) (Entered: 11/30/2023)

Plaintiff's Experts:

Defendant's Experts:

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