Debt collector and FDCPA help in ZIP code 33486
33486 covers part of Boca raton in Palm Beach County, Florida. 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 33486 (Boca raton, FL)
- ZIP 33486 is part of Boca raton in Palm Beach County, Florida, alongside 7 other Boca raton ZIP codes.
State law on top of the FDCPA
People in ZIP 33486 (Boca raton, FL) are protected by the federal Fair Debt Collection Practices Act and by Florida's own Florida Consumer Collection Practices Act (Fla. Stat. § 559.55 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 33486 (Boca raton, FL) is on Eastern (Central in the western Panhandle) time — note the exact time of every early or late call. Log calls for free.
Small claims court
Florida small claims courts commonly hear cases up to about $8,000. FDCPA claims can also be filed in federal court, where the law lets you recover attorney's fees. Your local court is the Palm Beach County court. Limits change, so confirm with the court clerk before filing.
Where to complain
File with the CFPB and the Florida 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
- Florida Consumer Collection Practices Act (Fla. Stat. § 559.55 et seq.) — look up the official text
- Florida Attorney General (National Association of Attorneys General)
Last reviewed: by the StopAndDesist editorial team. General information, not legal advice.
Other ZIP codes in Boca raton
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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