StopAndDesist
Cedar falls, IA

Debt collector and FDCPA help in ZIP code 50613

50613 covers part of Cedar falls in Black Hawk County, Iowa. Here is who serves this area and what you can do today without hiring anyone.

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We do not have a sourced attorney listing for 50613 yet. Consumer protection attorneys usually take cases across the whole state, so start with the Iowa listings.

Your rights against debt collectors in ZIP 50613 (Cedar falls, IA)

  • ZIP 50613 is part of Cedar falls in Black Hawk County, Iowa.

State law on top of the FDCPA

People in ZIP 50613 (Cedar falls, IA) are protected by the federal Fair Debt Collection Practices Act and by Iowa's own Iowa Debt Collection Practices Act (Iowa Code § 537.7101 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 50613 (Cedar falls, IA) is on Central time — note the exact time of every early or late call. Log calls for free.

Small claims court

Iowa small claims courts commonly hear cases up to about $6,500. FDCPA claims can also be filed in federal court, where the law lets you recover attorney's fees. Your local court is the Black Hawk County court. Limits change, so confirm with the court clerk before filing.

Where to complain

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

Sources you can check

Last reviewed: by the StopAndDesist editorial team. General information, not legal advice.

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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