An Act relative to fairness in debt collection

This bill establishes new protections for consumers facing debt collection in Massachusetts. It limits wage garnishment to no more than 90% of gross weekly earnings or 65 times the state/federal minimum wage (whichever is higher), and allows consumers to request additional exemptions due to financial hardship through a court process. The law also prohibits employers from firing or refusing to hire people because of debt garnishments and sets a 5-year limit for creditors to sue over most personal debts. These rules apply to debts like credit cards or medical bills but exclude child support or divorce-related payments.