StopAndDesist
Saint paul, MN

Debt collector and FDCPA help in ZIP code 55104

55104 covers part of Saint paul in Ramsey County, Minnesota. 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 55104 yet. Consumer protection attorneys usually take cases across the whole state, so start with the Minnesota listings.

Your rights against debt collectors in ZIP 55104 (Saint paul, MN)

  • ZIP 55104 is part of Saint paul in Ramsey County, Minnesota, alongside 7 other Saint paul ZIP codes.

State law on top of the FDCPA

People in ZIP 55104 (Saint paul, MN) are protected by the federal Fair Debt Collection Practices Act and by Minnesota's own Minnesota Collection Agencies Act (Minn. Stat. ch. 332). 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 55104 (Saint paul, MN) is on Central time — note the exact time of every early or late call. Log calls for free.

Small claims court

Minnesota small claims courts commonly hear cases up to about $15,000. FDCPA claims can also be filed in federal court, where the law lets you recover attorney's fees. Your local court is the Ramsey County court. Limits change, so confirm with the court clerk before filing.

Where to complain

File with the CFPB and the Minnesota 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 Saint paul

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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