Massachusetts law prohibits unfair, deceptive, and unreasonable debt-collection practices. The Attorney General has issued debt collection regulations.Hiring an attorney represent you generally leads to the lawsuit being dismissed without you paying. A 609 letter is a credit repair method that requests credit bureaus to remove erroneous negative entries from your credit report. This letter should make it clear to a creditor that you have no money he or she can reach. Here are just a few issues to discuss with an attorney before filing bankruptcy: Have you obtained a Certificate of Credit Counseling from an approved agency? Letters from attorneys on their face, without more, do not constitute suit. The letter will usually explain that they are requesting debt. That being said, letters from attorneys on their face, without more, do not constitute suit. Whether or not you owe the money, debt collection is highly regulated.