Chapter 93A Demand Letter

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A Chapter 93A demand letter is a document that a consumer must send to a merchant before suing them for unfair practices under Chapter 93A of Massachusetts General Laws. The recipient is given 30 days to respond and avoid litigation. The letter must include the sender’s name, address, their claim against the merchant, and damages they suffered.

Chapter 93A Demand Letter

A Chapter 93A demand letter is a document that a consumer must send to a merchant before suing them for unfair practices under Chapter 93A of Massachusetts General Laws. The recipient is given 30 days to respond and avoid litigation. The letter must include the sender’s name, address, their claim against the merchant, and damages they suffered.

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Last updated March 6th, 2025

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A Chapter 93A demand letter is a document that a consumer must send to a merchant before suing them for unfair practices under Chapter 93A of Massachusetts General Laws. The recipient is given 30 days to respond and avoid litigation. The letter must include the sender’s name, address, their claim against the merchant, and damages they suffered.

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Chapter 93A

Chapter 93A is a set of laws titled “Regulation of Business Practices for Consumers’ Protection” that protect consumers from deceptive and unfair practices in commerce.

Before litigating a merchant under these laws, the consumer is required to send a demand letter giving them 30 days to respond and pay damages. If the recipient doesn’t respond, responds in bad faith, or makes an unreasonable offer, they may be liable for triple damages if the matter goes to court.

Relevant sections of the chapter include:

  • Section 2 – Declares unfair or deceptive trade and commerce unlawful.
  • Section 9 – States that a consumer who is a victim of unfair or deceptive trade and commerce can seek relief for injury and damages, and that they must send a demand letter 30 days before taking legal action.
  • Section 11 – Allows a business claimant who suffers loss of money or property due to unfair or deceptive acts or competition to sue the offender without a demand letter. However, the concerned activities must have taken place within Massachusetts.

See State Laws – M.G.L. Part1, Title XV, Chapter 93A

How to Write a Demand Letter

A demand letter under Chapter 93A must include the following:
  1. The sender’s name and address.
  2. A description of the recipient’s unfair or deceptive actions.
  3. The sections of Chapter 93A that apply to the sender’s claim.
  4. A description of the sender’s injury or loss of property or money.
  5. A clear outline of the relief the sender seeks (usually monetary).
  6. A statement giving the recipient 30 days to respond to the letter.
  7. The sender’s signature.

Sample

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CHAPTER 93A DEMAND LETTER

[SENDER NAME]
[SENDER ADDRESS]
[SENDER CONTACT INFO]

Date: [DATE]

[RECIPIENT NAME]
[RECIPIENT ADDRESS]

Dear [RECIPIENT NAME],

Under the provisions of Massachusetts General Laws, Chapter 93A, Section 9, I hereby make written demand for relief as outlined in that statute.

On or about [DATE], the following unfair or deceptive act occurred: [REASON FOR DEMAND LETTER]

This unfair or deceptive act or practice is, in my opinion, declared unlawful by Section 2 of Chapter 93A, which reads as follows: [QUOTE TEXT OR SECTION]

As a result of this unfair or deceptive act or practice, I suffered injury or loss of money as follows: [INJURY OR MONEY/PROPERTY LOSS]

Therefore, I hereby demand the following relief: [RELIEF/PAYMENT FOR DAMAGES]

Chapter 93A gives you the opportunity to make a good-faith response to this letter within thirty (30) days. Your failure to respond by [DATE] could subject you to triple damages, attorney’s fees, and costs if I decide to institute legal action.

I hope to resolve this matter as soon as possible.

Sincerely,

______________________
[SENDER’S NAME]