Collection Agency Main Office Requirements
A collection agency engaged mainly or preponderantly in the collection of debt of consumer debtors must maintain an office in Massachusetts under 209 CMR 18.05. A post office address would not fulfill this requirement, nor can a collection agency use its attorney's office to meet this requirement. Institutions collecting debt on their own behalf do not fall into the definition of a collection agency under Mass. Gen. Laws chapter 93 § 24, and therefore do not require a collection agency license nor are such institutions subject to the physical office requirement.