Massachusetts Business & Commercial Law Attorney

Attorney Rizzo provides all the legal services of an in-house counsel without the extraordinary expense and inconvenience of a downtown law firm. For high quality legal consultation on any business matter contact Attorney Rizzo, an experienced Massachusetts Business Lawyer.

Skilled Massachusetts Legal Counsel for Business and Industry

Every successful business needs the advice of a skilled business lawyer from time to time.

If you are looking for a trusted legal advisor to help your company realize its full potential, please contact my law firm today.

I have more than more than 16 years of experience helping area businesses organize, grow, and thrive. I would welcome the opportunity to discuss how I could be of service to your organization.

I can be of assistance whether you need legal help launching a new commercial enterprise; assistance with day-to-day legal needs such as contracts, employment agreements, or real estate; or business litigation services.

For general information on business and commercial law, please review the material below.

Located in Concord, Massachusetts, business and commercial law attorney Rosario Mario F. Rizzo serves clients in downtown Boston and throughout Massachusetts including businesses in Suffolk County, Middlesex County, Norfolk County, Essex County and Worcester County. Attorney Rizzo serves businesses and organizations throughout Boston MetroWest, the North Shore and the South Shore including the cities and towns of Acton, Alston, Ayer, Brighton, Brookline, Burlington, Cambridge, Concord, Dedham, Everett, Framingham, Fitchburg, Lexington, Leominster, Marlborough, Medford, Newton, Needham, Quincy, Waltham, Watertown, Wellesley, Woburn, Worcester, Salem, Sudbury and Lowell, Massachusetts, as well as communities along Routes I-95 and I-495, and residents of southern New Hampshire, including Nashua and Salem, NH.

Business and Commercial Law - An Overview

Business law and commercial law are broad legal topics that encompass business, commerce, consumer transactions, and the formation and management of business entities. Some of the more important areas of commercial law include sales, secured transactions, negotiable instruments, and debtor and creditor law. An attorney with experience in business and commercial law can help you with all of your questions.

The Sale, Lease and Distribution of Goods

Contracts for the sale, lease and/or distribution of goods are primarily governed by state law. However, most states have adopted the Uniform Commercial Code (UCC) with regard to these topics. An attorney who is experienced with the UCC can help you with your questions.

Secured Transactions and Negotiable Instruments

Secured transactions and negotiable instruments are two important areas of commercial and business law. In a secured transaction a borrower agrees that the lender may take property owned by the borrower as collateral should the borrower default on a loan; in other words, it is a way to secure a loan. A negotiable instrument is a writing that promises the payment of a fixed amount of money. Both of these areas are essential to modern business loans and everyday transactions.

Consumer Credit: Debtor and Creditor Laws

Credit allows people to promise to pay in the future in order to buy or borrow in the present. Credit is vital to our commerce system and is used every day by businesses and consumers. An understanding of the law governing credit is vital to protect your own interests, whether you are the creditor, a business owner, an entrepreneur or a lending agency.

The Forming and Managing of Business Entities

The forming and managing of business entities are important areas of business and commercial law. There are a variety of common business organization forms. However, most businesses are well served by a variation of one of the four major organizational forms. These major forms include: (1) the sole proprietorship, (2) the partnership, (3) the limited liability company and (4) the corporation. Each form has its specific advantages and pitfalls. A core focus on liability and tax implications should guide a new business owner in his or her selection.

Business and Commercial Law Resource Links

Commercial Law League of America®
Organization of attorneys and other professionals who represent the credit industry in debt collection, bankruptcy and commercial litigation.

Federal Trade Commission - Fair Debt Collection Practices Act (FDCPA)
Provides a link to the FDCPA and to other resources about the Act, which requires fair treatment of consumers by debt collectors.

National Association of Credit Management® (NACM®)
NACM is a membership organization that is a resource for credit, collection, and financial management professionals, providing information, products, and services designed for effective business credit and accounts receivable management.

United State Small Business Administration (SBA)
The SBA aids, counsels, assists, and protects the interests of small businesses. A great resource for all things business related.

Federal Trade Commission (FTC)
The Federal Trade Commission enforces a variety of federal antitrust and consumer protection laws. It works to eliminate acts or practices that are unfair or deceptive.

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Frequently Asked Questions about Business and Commercial Law

Q: What actions and disclosures must a collection agency provide to a debtor when commencing a collection?

A: A third-party collection agency must comply with the federal Fair Debt Collection Practices Act (FDCPA). Pursuant to the FDCPA collection agencies must provide the following information to the debtor either in the initial communication or in writing within 5 days thereafter: (1) the amount of debt, (2) the name of the current creditor, (3) notice about the 30-day period in which the debtor may dispute the debt, (4) notice about the obligation of the collection agency to send the debtor verification of the debt if the debt is disputed and (5) notice that if the consumer requests it within 30 days, the debt collector will provide the name and address of the original creditor, if different from the current one.

Q: What is bankruptcy?

A: Bankruptcy is a legal way to seek relief from creditors. A debtor often files for bankruptcy protection when he or she owes creditors more than he or she has the ability to pay. Very broadly, under federal bankruptcy law, debtors' assets are used to pay off debt or payment plans are set up.

Law Office of Rosario Mario F. Rizzo

Massachusetts Business Legal Center