NOT LEGAL OR FINANCIAL ADVICE
This content is for educational purposes only. Laws change frequently and vary by circumstance. Always consult a licensed attorney in your state before taking any legal action. We are not responsible for any decisions or actions taken based on this information.
Massachusetts Freelance Invoice Laws
General information about collecting unpaid invoices in Massachusetts
Last Updated: 2025-01-01 • Always verify with a Massachusetts attorney
Late Fee Limit
No statutory limit for B2B contracts
Interest Rate
6% per annum (statutory); 12% for judgments
Small Claims Limit
$7,000
Statute of Limitations
6 years for written contracts, 6 years for oral
Additional Context
Late Fees: Late fees must be reasonable and specified in the contract. Massachusetts courts enforce reasonable commercial terms.
Interest: Post-judgment interest is 12% for contract actions. Parties can agree to higher pre-judgment rates.
Small Claims: District court small claims session handles disputes. Filing fees are $40-$75. No attorneys unless both parties agree.
General Best Practices
These are general suggestions, not legal advice. Consult an attorney for your specific situation.
- ✓ Use written contracts with clear payment terms
- ✓ Include late fee and interest provisions
- ✓ Send invoices immediately upon project completion
- ✓ Document all scope changes and client approvals
- ✓ Use small claims session for amounts up to $7,000
Common Mistakes to Avoid
- ✗ Waiting beyond 6 years to pursue collection
- ✗ Not specifying interest rates in contracts
- ✗ Not knowing the $7,000 small claims limit
- ✗ Filing in wrong district court
- ✗ Skipping demand letters before suit
When to Consult an Attorney
For invoices over $7,000 or disputes with Boston-area clients involving complex terms.
Frequently Asked Questions
What is the small claims limit in Massachusetts?
Massachusetts small claims session handles disputes up to $7,000. Filing fees are $40-$75. Attorneys are not allowed unless both parties consent.
How long do I have to sue for an unpaid invoice in Massachusetts?
You have 6 years for both written and oral contracts. The clock starts from the date of breach or last payment.
What interest rate can I charge on overdue invoices in MA?
The statutory rate is 6% per annum pre-judgment. Post-judgment interest for contracts is 12%. Specify rates in your contract.
Where do I file a small claims case in Massachusetts?
File in the district court small claims session for the district where the defendant resides or does business.
Do I need a collection license in Massachusetts?
You can collect your own debts without a license. Third-party agencies must be licensed by the Division of Banks.
Sources & References
These are reference sources only. Laws change—verify current statutes before taking action.
- Massachusetts General Laws Chapter 231 § 6C (Interest)
- M.G.L. Chapter 218 § 21 (Small Claims)
- M.G.L. Chapter 260 (Statute of Limitations)
- Massachusetts Trial Court - Small Claims
IMPORTANT LEGAL DISCLAIMER
This is NOT legal or financial advice. The information on this page is provided for general educational and informational purposes only. It is not intended to be, and should not be construed as, legal, financial, or professional advice.
Laws change frequently. State laws, court rules, and regulations are subject to change without notice. The information presented here may not reflect the most current legal developments or may not apply to your specific situation.
Consult a licensed professional. Before taking any action based on the information on this website, you should consult with a licensed attorney in Massachusetts who can provide advice tailored to your specific circumstances.
No attorney-client relationship. Viewing this information does not create an attorney-client relationship between you and Happy Freelance Life or its creators.
No liability. Happy Freelance Life and its creators disclaim all liability for any actions taken or not taken based on any information on this website. You assume full responsibility for any decisions or actions you take based on this content.
If you need legal help, please contact the Massachusetts State Bar Association for attorney referrals or a legal aid organization in your area.
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Take the QuizThis information is for educational purposes only and does not constitute legal advice. Consult a licensed Massachusetts attorney for specific legal guidance. This page was last updated on 2025-01-01. For current legal information, consult the official Massachusetts state statutes or a licensed Massachusetts attorney. Happy Freelance Life is not a law firm and does not provide legal services.