Debt collector and FDCPA help in ZIP code 87002
87002 covers part of Boys ranch in Valencia County, New mexico. 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 87002 (Boys ranch, NM)
- ZIP 87002 is part of Boys ranch in Valencia County, New mexico.
State law on top of the FDCPA
People in ZIP 87002 (Boys ranch, NM) are protected by the federal Fair Debt Collection Practices Act and by New mexico's own New Mexico Collection Agency Regulatory Act (NMSA § 61-18A-1 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 87002 (Boys ranch, NM) is on Mountain time — note the exact time of every early or late call. Log calls for free.
Small claims court
New mexico small claims courts commonly hear cases up to about $10,000. FDCPA claims can also be filed in federal court, where the law lets you recover attorney's fees. Your local court is the Valencia County court. Limits change, so confirm with the court clerk before filing.
Where to complain
File with the CFPB and the New mexico 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
- New Mexico Collection Agency Regulatory Act (NMSA § 61-18A-1 et seq.) — look up the official text
- New mexico Attorney General (National Association of Attorneys General)
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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