Debt collector and FDCPA help in ZIP code 48038
48038 covers part of Clinton township in Macomb County, Michigan. 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 48038 (Clinton township, MI)
- ZIP 48038 is part of Clinton township in Macomb County, Michigan, alongside 2 other Clinton township ZIP codes.
State law on top of the FDCPA
People in ZIP 48038 (Clinton township, MI) are protected by the federal Fair Debt Collection Practices Act and by Michigan's own Michigan Regulation of Collection Practices Act (MCL 445.251 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 48038 (Clinton township, MI) is on Eastern (Central in four western Upper Peninsula counties) time — note the exact time of every early or late call. Log calls for free.
Small claims court
Michigan 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 Macomb County court. Limits change, so confirm with the court clerk before filing.
Where to complain
File with the CFPB and the Michigan 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
- Michigan Regulation of Collection Practices Act (MCL 445.251 et seq.) — look up the official text
- Michigan Attorney General (National Association of Attorneys General)
Last reviewed: by the StopAndDesist editorial team. General information, not legal advice.
Other ZIP codes in Clinton township
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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