Debt collector and FDCPA help in ZIP code 57479
57479 covers part of Warner in Brown County, South dakota. 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 57479 (Warner, SD)
- ZIP 57479 is part of Warner in Brown County, South dakota.
State law on top of the FDCPA
South dakota relies mainly on the federal Fair Debt Collection Practices Act (15 U.S.C. § 1692), plus its general consumer-protection law. An attorney can tell you whether a state claim adds to your case.
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 57479 (Warner, SD) is on Central and Mountain time — note the exact time of every early or late call. Log calls for free.
Small claims court
South dakota 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 Brown County court. Limits change, so confirm with the court clerk before filing.
Where to complain
File with the CFPB and the South dakota 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
- South dakota 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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