Debt collector and FDCPA help in ZIP code 16645
16645 covers part of Glen hope in Clearfield County, Pennsylvania. 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 16645 (Glen hope, PA)
- ZIP 16645 is part of Glen hope in Clearfield County, Pennsylvania.
State law on top of the FDCPA
People in ZIP 16645 (Glen hope, PA) are protected by the federal Fair Debt Collection Practices Act and by Pennsylvania's own Pennsylvania Fair Credit Extension Uniformity Act (73 P.S. § 2270.1 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 16645 (Glen hope, PA) is on Eastern time — note the exact time of every early or late call. Log calls for free.
Small claims court
Pennsylvania small claims courts commonly hear cases up to about $12,000. FDCPA claims can also be filed in federal court, where the law lets you recover attorney's fees. Your local court is the Clearfield County court. Limits change, so confirm with the court clerk before filing.
Where to complain
File with the CFPB and the Pennsylvania 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
- Pennsylvania Fair Credit Extension Uniformity Act (73 P.S. § 2270.1 et seq.) — look up the official text
- Pennsylvania 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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