Debt collector and FDCPA help in ZIP code 88130
88130 covers part of Portales in Roosevelt County, New mexico. Here is who serves this area and what you can do today without hiring anyone.
This spot is open
Are you an attorney in ZIP 88130? Get listed here — free.
Be the first verified attorney people see on this page.
We do not have a sourced attorney listing for 88130 yet. Consumer protection attorneys usually take cases across the whole state, so start with the New mexico listings.
Your rights against debt collectors in ZIP 88130 (Portales, NM)
- ZIP 88130 is part of Portales in Roosevelt County, New mexico.
State law on top of the FDCPA
People in ZIP 88130 (Portales, 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 88130 (Portales, 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 Roosevelt 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.
Generate your letter