File a complaint with the Attorney General's Office (AGO). A brief guide outlining your rights under fair debt collection laws and what creditors can and cannot do.Under Massachusetts law, the repo company must contact the police to report the repossession within one hour. To respond, you should answer each issue from the Complaint, assert your affirmative defenses, and file the Answer document with the court. The law protects certain income and property from creditors. If a creditor wins a case against you in court, you are responsible for the debt. Facing a credit card lawsuit in Massachusetts? Discover the legal protections available to residents and take action to protect your rights. Getting served with a Summons and Complaint related to unpaid credit cards is an awful and traumatizing experience for many people. Complaint Contacts ; Before submitting a complaint, check out our FAQ page for potential answers.