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  • Address

    3 University Plaza Drive
    Hackensack, New Jersey 07601


    9:00 AM - 5:00 PM


    9:00 AM - 5:00 PM


    9:00 AM - 5:00 PM


    9:00 AM - 5:00 PM


    9:00 AM - 5:00 PM





Navigating Debt Collection

professional results in collection cases

Jeffrey Thomas Massaro, Counsellor-at-Law is trusted by clients to help creditors and debtors deal with collection issues. The firm provides legal advice and litigation services at every level of state and federal court. We seek to successfully help a wide variety of creditors — including banks, businesses, corporations, attorneys, accountants, physicians, landlords, real estate agencies, consulting firms and financing companies — collect the debts owed to them. We also seek to achieve excellent results for debtors seeking to settle accounts, discharge debt, end harassment, or pursue damages for unlawful collection tactics.

collecting for creditors

Our law firm strives to employ effective strategies to recover amounts owed on:

  • Breaches of contracts
  • Court judgments
  • Credit lines
  • Fees for professional services
  • Goods sold or delivered
  • Guaranties and promissory notes
  • Liens of all types
  • Loan defaults
  • Rent payments
  • Replevin actions subject to creditors’ liens
  • Sureties
  • Unjust enrichment claims

We are dedicated to delivering an exceptional client experience. Throughout the collection process, which could entail a demand, settlement negotiations, the filing of a lawsuit, and enforcement procedures to collect the judgment, we will work closely with you to deliver optimum results.

Protecting debtors from abusive debt collection 

Jeffrey Thomas Massaro, Counsellor-at-Law works with businesses and consumers to resolve burdensome debt through settlement negotiations, loan workouts and bankruptcy. Too often the news reports stories about harassing and unlawful collection practices. If you are a consumer facing abusive collection tactics, Jeffrey Thomas Massaro, Counsellor-at-Law can help. State and federal law govern the collection of debt. When creditors violate these laws, we will hold them accountable. For example, The Fair Debt Collection Practices Act (FDCPA) prohibits creditors from engaging in abusive practices to collect debts, including: 

Harassment — Debt collectors are legally prohibited from acting with harassing behavior, including:

  • Threatening you with violence
  • Publishing your name
  • Using obscene or profane language
  • Calling you repeatedly to annoy you

False statements — Debt collectors are legally prohibited from lying, including: 

  • Falsely representing themselves as attorneys or government agents
  • Claiming you owe more money than you do 
  • Misrepresenting that the nature of papers they send you are legal if they are not 
  • Stating that you will be arrested 
  • Saying that they will seize assets unless they are legally permitted to do so
  • Threatening to take legal action if they lack legal grounds or do not intend to do so

Deception — Debt collectors are legally prohibited from using deceptive means, which include:

  • Sending a document designed to appear as if it is from a court or government agency when not
  • Providing a third party with false credit information about you 
  • Using a false name

Unfair practices — Debt collectors are legally prohibited from engaging in unfair practices, for example: 

  • Collecting fees or interests not authorized by law or contract 
  • Depositing a post-dated check prior to the date indicated 
  • Illegally taking property 
  • Contacting you by postcard

Consumers may sue abusive collectors for damages

Jeffrey Thomas Massaro, Counsellor-at-Law will analyze whether your debt collectors violated FDCPA or other New Jersey and federal laws. We will guide you in the collection of evidence and establish a case against the abusive debt collectors. While we put an end to the harassment, we can also assess your debt to determine whether settlement negotiations or bankruptcy may be options for the long-term resolution of your financial troubles.

Contact an experienced debt collection attorney

Call Jeffrey Thomas Massaro, Counsellor-at-Law at 201-880-8989 or contact us online to schedule your consultation.