StopAndDesist
Concord, MI

Debt collector and FDCPA help in ZIP code 49237

49237 covers part of Concord in Jackson County, Michigan. 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 49237 yet. Consumer protection attorneys usually take cases across the whole state, so start with the Michigan listings.

Your rights against debt collectors in ZIP 49237 (Concord, MI)

  • ZIP 49237 is part of Concord in Jackson County, Michigan.

State law on top of the FDCPA

People in ZIP 49237 (Concord, 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 49237 (Concord, 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 Jackson 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

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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