Debt collector and FDCPA help in ZIP code 14423
14423 covers part of Caledonia in Livingston County, New york. 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 14423 (Caledonia, NY)
- ZIP 14423 is part of Caledonia in Livingston County, New york.
State law on top of the FDCPA
People in ZIP 14423 (Caledonia, NY) are protected by the federal Fair Debt Collection Practices Act and by New york's own New York General Business Law Article 29-H (GBL § 600 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 14423 (Caledonia, NY) is on Eastern time — note the exact time of every early or late call. Log calls for free.
Small claims court
New york 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 Livingston County court. Limits change, so confirm with the court clerk before filing.
Where to complain
File with the CFPB and the New york 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 York General Business Law Article 29-H (GBL § 600 et seq.) — look up the official text
- New york 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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