940 CMR 7.00 PDF

Creditor means any person and his or her agents, servants, employees, or attorneys engaged in collecting a debt owed or alleged to be owed to him or her by a debtor and shall also include a buyer of delinquent debt who hires a third party or an attorney to collect such debt provided, however, that a person shall not be deemed to be engaged in collecting a debt, for the purpose of CMR 7. Debt means money or its equivalent which is, or is alleged to be, more than 30 days past due and owing, unless a different period is agreed to by the debtor, under a single account as a result of a purchase, lease, or loan of goods, services, or real or personal property, for personal, family or household purposes or as a result of a loan of money which is obtained for personal, family or household purposes whether or not the obligation has been reduced to judgment. Debtor means a natural person, or his or her guardian, administrator or executor, present or residing in Massachusetts who is allegedly personally liable for a debt. Nonidentifying Communication means any communication with any person other than the debtor in which the creditor does not convey any information except the name of the creditor and in which the creditor makes no inquiry other than to determine a convenient time and place to contact the debtor. Person means any natural person, corporation, trust, partnership, incorporated or unincorporated association and any other legal entity; provided, however, that if a creditor comprises or employs more than one natural person, all such individuals shall be deemed to be one and the same "person" with respect to any debt owed or alleged to be owed to such a creditor.

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It shall be an unfair or deceptive act or practice for an owner to: a Rent a dwelling unit which, at the inception of the tenancy 1. It shall be an unfair or deceptive practice for an owner to: a Send to a tenant any notice or paper which appears or purports to be an official or judicial document but which he knows is not; b Fail or refuse to accept any notice sent to any address to which rent is customarily sent, or given to any person who customarily accepts on behalf of the owner, or sent to the person designated in the rental agreement in accordance with CMR 3.

Violates any law; 2. Fails to state clearly and conspicuously in the rental agreement the conditions upon which an automatic increase in rent shall be determined. Provided, however, that nothing contained in CMR 3. Contains a penalty clause not in conformity with the provisions of M. Contains a tax escalator clause not in conformity with the provisions of M. The names, addresses, and telephone numbers of the owner, and any other person who is responsible for the care, maintenance and repair of the property; 2.

The name, address, and telephone number of the person authorized to receive notices of violations of law and to accept service of process on behalf of the owner; 3.

It shall be an unfair or deceptive practice for an owner to: a require a tenant or prospective tenant, at or prior to the commencement of any tenancy, to pay any amount in excess of the following: 1. It shall be an unfair and deceptive practice for an owner to: a Deprive a tenant of access to or full use of the dwelling unit or otherwise exclude him without first obtaining a valid writ of execution for possession of the premises as set forth in M.

It shall be an unfair and deceptive practice for an owner to: a Impose any interest or penalty for late payment or rent unless such payment is 30 days overdue; b Retaliate or threaten to retaliate in any manner against a tenant for exercising or attempting to exercise any legal rights as set forth in M. To fail to provide such service; or 2. To expose such occupant to the risk of loss of such service by failing to pay gas or electric bills when they become due or by committing larceny or unauthorized use of such gas or electricity.

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940 CMR 3.17 (Attorney General 93A Regulations)

It shall be an unfair or deceptive act or practice for an owner to: a Rent a dwelling unit which, at the inception of the tenancy 1. It shall be an unfair or deceptive practice for an owner to: a Send to a tenant any notice or paper which appears or purports to be an official or judicial document but which he knows is not; b Fail or refuse to accept any notice sent to any address to which rent is customarily sent, or given to any person who customarily accepts on behalf of the owner, or sent to the person designated in the rental agreement in accordance with CMR 3. Violates any law; 2. Fails to state clearly and conspicuously in the rental agreement the conditions upon which an automatic increase in rent shall be determined. Provided, however, that nothing contained in CMR 3. Contains a penalty clause not in conformity with the provisions of M. Contains a tax escalator clause not in conformity with the provisions of M.

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940 Cmr 7.00 Debt Collection Regulations

Daim Leave this field blank. Call you at home more than twice for each debt in any seven-day period, or more than twice for each debt in any thirty-day period at some place other than your home, such as your place ckr work. When communicating directly with you, creditors and collection agencies may not: March 1, In reliance on those cr, the association informed its members that those who did not fall within the definition of a creditor or debt buyer i. Visit your home at times other than ccmr normal waking hours. What can I do about a problem on my credit report? Or email a question about your own legal problem to a lawyer. Solicit post-dated checks from you.

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