StopAndDesist
San francisco, CA

Debt collector and FDCPA help in ZIP code 94123

94123 covers part of San francisco in San Francisco County, California. Here is who serves this area and what you can do today without hiring anyone.

Your rights against debt collectors in ZIP 94123 (San francisco, CA)

  • ZIP 94123 is part of San francisco in San Francisco County, California, alongside 24 other San francisco ZIP codes.

State law on top of the FDCPA

People in ZIP 94123 (San francisco, CA) are protected by the federal Fair Debt Collection Practices Act and by California's own Rosenthal Fair Debt Collection Practices Act (Cal. Civ. Code § 1788 et seq.). State laws can cover original creditors too, not just collection agencies.

Legal calling hours here

Collectors may not call before 8:00 a.m. or after 9:00 p.m. your local time (§ 1692c(a)(1)). ZIP 94123 (San francisco, CA) is on Pacific time — note the exact time of every early or late call. Log calls for free.

Small claims court

California small claims courts commonly hear cases up to about $12,500. FDCPA claims can also be filed in federal court, where the law lets you recover attorney's fees. Your local court is the San Francisco County court. Limits change, so confirm with the court clerk before filing.

Where to complain

File with the CFPB and the California Attorney General. See our complaint guide.

General information, not legal advice.

Other ZIP codes in San francisco

Stop the calls first

A written cease and desist under FDCPA §1692c(c) requires a collector to stop contacting you. You can send one today.

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