StopAndDesist
Hagerstown, MD

Debt collector and FDCPA help in ZIP code 21740

21740 covers part of Hagerstown in Washington County, Maryland. 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 21740 yet. Consumer protection attorneys usually take cases across the whole state, so start with the Maryland listings.

Your rights against debt collectors in ZIP 21740 (Hagerstown, MD)

  • ZIP 21740 is part of Hagerstown in Washington County, Maryland, alongside 1 other Hagerstown ZIP code.

State law on top of the FDCPA

People in ZIP 21740 (Hagerstown, MD) are protected by the federal Fair Debt Collection Practices Act and by Maryland's own Maryland Consumer Debt Collection Act (Md. Code, Com. Law § 14-201 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 21740 (Hagerstown, MD) is on Eastern time — note the exact time of every early or late call. Log calls for free.

Small claims court

Maryland small claims courts commonly hear cases up to about $5,000. FDCPA claims can also be filed in federal court, where the law lets you recover attorney's fees. Your local court is the Washington County court. Limits change, so confirm with the court clerk before filing.

Where to complain

File with the CFPB and the Maryland 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 Hagerstown

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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