Forms to use for collection actions against consumers involving debts arising out of revolving credit agreements (effective January 1, 2019). Find debt relief programs in Massachusetts and learn about the statute of limitations, debt collection laws and debt statistics in Massachusetts.Our college finance experts can help you understand your options to pay for college and find scholarships and merit based aid. You have to get credit counseling from a government-approved organization up to six months before you file for any bankruptcy relief. MEFA's U.Fund College Investing Plan, the Massachusetts 529 college savings plan, offers flexibility as you save for your child's college education. A Townwide Debt Exclusion vote is scheduled for May 2nd, 2023. Secured debt on which you are current, such as car loan payments and mortgage payments, may be paid directly to the lender, outside of the plan.