Debt collector and FDCPA help in ZIP code 52501
52501 covers part of Highland center in Wapello County, Iowa. 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 52501 (Highland center, IA)
- ZIP 52501 is part of Highland center in Wapello County, Iowa.
State law on top of the FDCPA
People in ZIP 52501 (Highland center, 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 52501 (Highland center, 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 Wapello 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
- 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
- Iowa Debt Collection Practices Act (Iowa Code § 537.7101 et seq.) — look up the official text
- Iowa Attorney General (National Association of Attorneys General)
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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