Debt collector and FDCPA help in ZIP code 95407
95407 covers part of Santa rosa in Sonoma County, California. Here is who serves this area and what you can do today without hiring anyone.
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Your rights against debt collectors in ZIP 95407 (Santa rosa, CA)
- ZIP 95407 is part of Santa rosa in Sonoma County, California, alongside 5 other Santa rosa ZIP codes.
State law on top of the FDCPA
People in ZIP 95407 (Santa rosa, 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 95407 (Santa rosa, 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 Sonoma 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.
Sources you can check
- Fair Debt Collection Practices Act, 15 U.S.C. §§ 1692–1692p (Cornell Legal Information Institute)
- Regulation F, 12 C.F.R. Part 1006 (CFPB)
- FTC debt collection FAQs
- Rosenthal Fair Debt Collection Practices Act (Cal. Civ. Code § 1788 et seq.) — look up the official text
- California Attorney General (National Association of Attorneys General)
Last reviewed: by the StopAndDesist editorial team. General information, not legal advice.
Other ZIP codes in Santa rosa
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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