StopAndDesist
Portland, ME

Debt collector and FDCPA help in ZIP code 04101

04101 covers part of Portland in Cumberland County, Maine. 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 04101 yet. Consumer protection attorneys usually take cases across the whole state, so start with the Maine listings.

Your rights against debt collectors in ZIP 04101 (Portland, ME)

  • ZIP 04101 is part of Portland in Cumberland County, Maine, alongside 2 other Portland ZIP codes.

State law on top of the FDCPA

People in ZIP 04101 (Portland, ME) are protected by the federal Fair Debt Collection Practices Act and by Maine's own Maine Fair Debt Collection Practices Act (32 M.R.S. § 11001 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 04101 (Portland, ME) is on Eastern time — note the exact time of every early or late call. Log calls for free.

Small claims court

Maine small claims courts commonly hear cases up to about $6,000. FDCPA claims can also be filed in federal court, where the law lets you recover attorney's fees. Your local court is the Cumberland County court. Limits change, so confirm with the court clerk before filing.

Where to complain

File with the CFPB and the Maine 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 Portland

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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