An Act relative to fairness in debt collection

This bill establishes a new chapter in Massachusetts law to regulate debt collection practices and protect consumers from aggressive collection tactics. It defines key terms such as "consumer," "creditor," and "debt buyer" to clarify who is covered under the new rules. The legislation specifically mandates that a consumer's weekly earnings must be exempt from garnishment if they are less than 65 times the state or federal minimum hourly wage. This provision ensures that low-income individuals cannot have their essential income seized to satisfy a judgment for consumer debt.