StopAndDesist
Westport, OR

Debt collector and FDCPA help in ZIP code 97016

97016 covers part of Westport in Columbia County, Oregon. 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 97016 yet. Consumer protection attorneys usually take cases across the whole state, so start with the Oregon listings.

Your rights against debt collectors in ZIP 97016 (Westport, OR)

  • ZIP 97016 is part of Westport in Columbia County, Oregon.

State law on top of the FDCPA

People in ZIP 97016 (Westport, OR) are protected by the federal Fair Debt Collection Practices Act and by Oregon's own Oregon Unlawful Debt Collection Practices Act (ORS 646.639). 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 97016 (Westport, OR) is on Pacific (Mountain in most of Malheur County) time — note the exact time of every early or late call. Log calls for free.

Small claims court

Oregon 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 Columbia County court. Limits change, so confirm with the court clerk before filing.

Where to complain

File with the CFPB and the Oregon 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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