LAW OFFICE OF JOSEPH PERL
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Debt Collection

Whether you’ve already won a judgment or need help taking legal action to recover unpaid debts, we can help enforce your rights and pursue what you’re owed. Courts don’t issue checks, and many debtors delay or avoid payment — that’s where we step in. We use legal tools like wage garnishments, bank levies, liens, and lawsuits to recover what’s rightfully yours.

How We Help

  • ✔
    Pre-lawsuit demand lettersMake contact and demand payment before going to court
  • ✔
    Filing lawsuits for unpaid debtsRepresent you in court to secure a judgment
  • ✔
    Wage garnishmentRecover up to 15% of the debtor’s paycheck
  • ✔
    Bank & investment leviesSeize funds from accounts
  • ✔
    Liens & receivershipsSecure or liquidate property and assets
  • ✔
    Court discovery toolsCompel debtors to reveal hidden assets and income

Why Choose Us?

  • 10 + years dedicated to judgment enforcement
  • Licensed in MA & NY federal courts
  • Responsive, aggressive, results‑driven

Need More Detail?

Want the step‑by‑step on garnishments, bank levies and liens? Learn more ›

Wage Garnishments

In Massachusetts, you can collect up to 15 % of a debtor’s gross wages until your judgment is paid. We file a separate lawsuit naming the employer as a trustee defendant and obtain a court order so wages flow directly to you.

Bank Account Levies

We sue the debtor’s bank as trustee defendant. Once the levy order is issued, funds (minus the protected first $2,500) are transferred to you. Investment accounts can be reached the same way.

Real‑Estate Liens

If the debtor owns property, we record a lien—even against a homestead—so you’re first in line when the property sells or refinances.

Receiverships

For corporate debtors, we can have a receiver appointed under M.G.L. ch. 156 § 51 to seize and liquidate assets for the benefit of creditors.

Supplementary Process

Not sure where the assets are? We compel the debtor to appear, testify under oath, and produce bank statements, tax returns, or P&L statements. That intel fuels targeted levies.

Ready to act? Use the form on the right or call (781) 704‑7047.

Attorney Joseph Perl

Start Your Debt Collection Case

Request a free 15‑minute consultation. We’ll outline the fastest path to recovery.

100 % confidential • No obligation

Client Testimonials

★★★★★

“Joe assisted my firm in collecting a significant contingency fee owed in MA—strategy worked almost immediately.”

Jeff Epstein

★★★★★

“Methodical and detailed for 6 years—got back our stolen inheritance and was prepared every time in court.”

Deb Berg

★★★★★

“Committed attorney who knows his stuff. I would recommend him and work with him again.”

Greg Gerson

★★★★★

“Steadfast in recovery and negotiated tirelessly—highly recommend his services.”

Jenny Sowell

★★★★★

“Persistent and appropriately aggressive—held the debtor accountable.”

Alison Pence

★★★★★

“Excellent collections attorney; I’ve referred him several matters and will again.”

Joshua Kluewer

Disclaimer: This page provides general information and does not constitute legal advice. Every case is unique. Contact us to discuss your specific situation.

Joseph PerlReviewsout of 7 reviews

Address

Law Office of Joseph Perl
​203 Arlington St. Suite 2,
Watertown, MA   ​02472-2036


Telephone

781-704-7047
​

Email

[email protected]
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  • Home
  • SERVICES
    • Debt Collection
    • Debt Defense
    • Commercial Property Foreclosure
  • Representative Cases
  • About
  • Contact
  • Blog