Kream and Kream is a Massachusetts debt collection law firm that has pursued consumer and commercial debts in court since 1932. If the firm has contacted you by letter or phone, or has filed a lawsuit against you, federal law gives you specific rights that apply from the moment of first contact. This page covers who Kream and Kream is, what the law requires of them, what documented complaints show about their collection conduct, and what your legal options are at each stage.
Who Is Kream and Kream?
Kream and Kream is a boutique law firm established in 1932 and located at 536 Broad Street, Suite 5, Weymouth, Massachusetts. The firm represents nationwide collection agencies, Massachusetts banks, credit unions, and investors in creditor rights matters, commercial and retail collections, foreclosures, replevin actions, and civil litigation. Richard H. Kream has led the firm since 1972. R. Mark Seitsinger joined as trial counsel in 1985, and Richard J. Omar joined in 2008, focusing on consumer and commercial default servicing and bankruptcy proceedings.
Because debt collection is a primary function of the firm, their communications carry the federal disclosure that they are “a debt collector attempting to collect a debt.” That disclosure places Kream and Kream squarely within the definition of a debt collector under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. sections 1692 through 1692p, as confirmed by the U.S. Supreme Court in Heintz v. Jenkins, 514 U.S. 291 (1995), which held that attorneys who regularly engage in debt collection litigation are fully subject to the FDCPA.
Firm Contact Information
| Address | 536 Broad Street, Suite 5, Weymouth, MA 02189 |
| Phone | (781) 331-9333 |
| Established | 1932 |
| Primary Function | Creditor Rights, Debt Collection, Civil Litigation |
| FDCPA Status | Confirmed Debt Collector under Heintz v. Jenkins |
| Official Website | kreamandkream.com |
Before contacting Kream and Kream directly, speak with a consumer rights attorney. Recorded or documented conversations can affect your legal position. Call 877-700-5790, and we will handle all communication on your behalf.
Your Legal Rights Under the FDCPA
The FDCPA grants you four core rights the moment Kream and Kream contact you. Violations of any of these rights entitle you to statutory damages of up to $1,000 per lawsuit, plus actual damages and attorney fees recoverable from the collector under 15 U.S.C. section 1692k.
15 U.S.C. Section 1692g: Debt Verification
Kream and Kream must send you a written notice within five days of first contact stating the amount of the debt and your right to dispute it. You have 30 days from that notice to request written verification. All collection activity must stop until they provide it. Submit your request by certified mail with a return receipt and keep a copy.
15 U.S.C. Section 1692e: Prohibition on False or Misleading Representations
Kream and Kream may not misrepresent the amount owed, the legal status of the debt, the consequences of non-payment, or their authority to take specific legal actions. Implying that a lawsuit is imminent when none has been authorized is a violation of this section.
15 U.S.C. Section 1692d: Prohibition on Harassment
Kream and Kream may not engage in conduct whose natural consequence is to harass, oppress, or abuse. Repeated calls intended to annoy, obscene language, and threats of legal action that they cannot or will not take all constitute violations under this section.
15 U.S.C. Section 1692c: Cease Communication
A written cease-and-desist letter requires Kream and Kream to stop all contact, except to confirm that communication is ending or to notify you of a specific legal action. This does not extinguish the underlying debt, but it forces further steps to be taken in writing or in court where you have a formal record.
Documented Consumer Complaints
Kream and Kream has drawn complaints on public platforms including the Yelp listing for Kream and Kream and the CFPB Consumer Complaint Database. Three documented patterns emerge from those sources.
Pattern 1: Failure to Provide Account Statements
Consumers report receiving no monthly statements showing payment history or declining balances, leaving them unable to verify what they actually owe or confirm that payments have been applied correctly.
Pattern 2: Disputed Judgments and Communication Failures
Consumers report that the firm obtained warrants, judgments, and appeals without sending corresponding written notices, and that representatives did not return phone calls or honor previously agreed repayment terms.
Pattern 3: Aggressive Litigation Approach
Consumer reviews consistently note that Kream and Kream moves quickly to litigation on behalf of creditors, which is consistent with the firm’s stated practice focus on courtroom debt recovery.
If conduct you experienced from Kream and Kream matches any of these patterns, document every interaction, including dates, times, representative names, and the content of each communication, and file a complaint with the CFPB, the FTC, or your state attorney general before taking any other action.
If Kream and Kream Has Filed a Lawsuit Against You
Kream and Kream litigates actively on behalf of creditors. A lawsuit is not a final judgment, but the timeline from service to judgment moves faster than most consumers expect.
Step 1: Confirm Your Service Date. Your deadline to respond runs from the date you were officially served, not the date printed on the complaint. Check the paperwork you received and identify the exact service date.
Step 2: File a Written Answer Within 20 to 30 Days. State civil procedure rules require a written Answer filed with the court within this window. Missing it allows Kream and Kream to seek a default judgment against you without any further proceedings.
Step 3: Understand What a Default Judgment Enables. A default judgment gives Kream and Kream legal authority to garnish your wages, levy your bank accounts, and place liens on your property. Massachusetts law provides limited exemptions, but these must be actively claimed.
Step 4: Assert Your Defenses. Filing an Answer preserves your right to challenge the lawsuit on multiple grounds: expired statute of limitations, lack of standing to sue (Kream and Kream must prove the creditor they represent owns the debt), improper service of process, incorrect debt amount, and any FDCPA violations committed during collection that give rise to counterclaims.
Call 877-700-5790 for a free case review. We will analyze the complaint, identify any deficiencies, and file your Answer before the deadline.
Payments, Settlements, and Resolution Options
Resolution before trial is possible at every stage of a Kream and Kream collection matter. The right option depends on whether a lawsuit has been filed, the age and validity of the debt, and your financial position.
Lump-Sum Settlement. Collection law firms regularly accept less than the full claimed balance on charged-off or older debt in exchange for a single payment that closes the account. The amount available depends on the debt’s age, original creditor, and whether it has been resold.
Structured Payment Plan. A negotiated payment plan requires a written agreement specifying the total amount, payment schedule, what constitutes a default, and how the account will be reported to credit bureaus upon completion. Verbal agreements are not enforceable.
Litigation Settlement. Pre-trial settlement after an Answer is filed often produces better financial terms than waiting for a judgment, especially when the Answer raises valid defenses or FDCPA counterclaims that expose the plaintiff to liability.
Bankruptcy Protection. If your total debt burden is unsustainable, filing under Chapter 7 or Chapter 13 imposes an automatic stay that immediately halts all collection activity by Kream and Kream, including any active lawsuit. We can assess whether this is a viable option during your free case review.
Before making any payment: obtain the complete settlement agreement in writing and confirm whether payment will be reported as “paid in full” or “settled for less than the full amount.” These are distinct designations with different effects on your credit report.
Frequently Asked Questions
Is Kream and Kream a legitimate law firm?
Yes. Kream and Kream is a licensed Massachusetts law firm established in 1932 and based in Weymouth. They represent creditors, banks, and collection agencies in debt recovery and civil litigation. Their legitimacy as a law firm does not exempt them from compliance with the FDCPA, which governs all attorneys who regularly engage in debt collection under Heintz v. Jenkins, 514 U.S. 291 (1995).
Why is Kream and Kream contacting me?
Kream and Kream contacts consumers on behalf of creditors, banks, or collection agencies that have placed a delinquent account with the firm for recovery. Their contact may precede a lawsuit, which the firm pursues actively as part of its core practice.
How do I request debt verification from Kream and Kream?
Send a written verification request by certified mail within 30 days of receiving their first written notice. Under 15 U.S.C. section 1692g, Kream and Kream must stop all collection activity until they provide written verification of the debt, including the name of the original creditor and documentation supporting the amount claimed.
How do I stop Kream and Kream from calling me?
Send a written cease communication request by certified mail. Under 15 U.S.C. section 1692c(c), Kream and Kream must stop contacting you after receiving it, except to confirm that contact is ending or to notify you of a specific legal action. Keep a copy and proof of delivery.
Can Kream and Kream sue me for a debt from years ago?
Massachusetts sets a six-year statute of limitations on most written contracts under Massachusetts General Laws Chapter 260, section 2. If the debt is older than six years from the date of default or last payment, Kream and Kream cannot obtain a court judgment if you raise the expired statute of limitations as a defense. The debt may still exist, but it is not legally enforceable in court.
What happens if I ignore a lawsuit from Kream and Kream?
The court enters a default judgment against you automatically. That judgment gives Kream and Kream authority to garnish your wages, levy your bank accounts, and place liens on your property without any further hearing. Call 877-700-5790 immediately if you have received court paperwork.
Can Kream and Kream report a debt to the credit bureaus?
Yes, subject to the requirements of the Fair Credit Reporting Act (FCRA). If you dispute the debt in writing and they cannot verify it, continued reporting of the account may constitute a violation of the FCRA and the FDCPA. Request verification before the account appears or updates on your credit report.
Where do I file a complaint about Kream and Kream?
File with the (CFPB), the Federal Trade Commission (FTC), or the Massachusetts Attorney General. Document every communication, including call logs, letters, and any verbal agreements, before submitting your complaint.
Facing Kream and Kream Debt Collection?
Consumer Rights Law Firm PLLC has represented consumers against debt collection law firms since 2010. We hold an A+ rating with the Better Business Bureau. Consultations are free, and in FDCPA violation cases, attorney fees are recoverable from the collector.
Browse our full collection attorneys directory or our list of collection agencies in the United States to research other firms that may have contacted you.
This page is provided for general informational purposes only and does not constitute legal advice. Reading this content does not create an attorney-client relationship with Consumer Rights Law Firm PLLC. The information above reflects federal law as reviewed in May 2026. State laws vary and are subject to change.