StopAndDesist
Springfield, MA

Debt collector and FDCPA help in ZIP code 01104

01104 covers part of Springfield in Hampden County, Massachusetts. 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 01104 yet. Consumer protection attorneys usually take cases across the whole state, so start with the Massachusetts listings.

Your rights against debt collectors in ZIP 01104 (Springfield, MA)

  • ZIP 01104 is part of Springfield in Hampden County, Massachusetts, alongside 9 other Springfield ZIP codes.

State law on top of the FDCPA

People in ZIP 01104 (Springfield, MA) are protected by the federal Fair Debt Collection Practices Act and by Massachusetts's own Massachusetts debt collection regulations (940 CMR 7.00; M.G.L. c. 93 § 49). 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 01104 (Springfield, MA) is on Eastern time — note the exact time of every early or late call. Log calls for free.

Small claims court

Massachusetts small claims courts commonly hear cases up to about $7,000. FDCPA claims can also be filed in federal court, where the law lets you recover attorney's fees. Your local court is the Hampden County court. Limits change, so confirm with the court clerk before filing.

Where to complain

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

Sources you can check

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

Other ZIP codes in Springfield

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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