StopAndDesist
Ardmore, TN

Debt collector and FDCPA help in ZIP code 38449

38449 covers part of Ardmore in Giles County, Tennessee. 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 38449 yet. Consumer protection attorneys usually take cases across the whole state, so start with the Tennessee listings.

Your rights against debt collectors in ZIP 38449 (Ardmore, TN)

  • ZIP 38449 is part of Ardmore in Giles County, Tennessee.

State law on top of the FDCPA

People in ZIP 38449 (Ardmore, TN) are protected by the federal Fair Debt Collection Practices Act and by Tennessee's own Tennessee Collection Service Act (Tenn. Code § 62-20-101 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 38449 (Ardmore, TN) is on Central and Eastern time — note the exact time of every early or late call. Log calls for free.

Small claims court

Tennessee small claims courts commonly hear cases up to about $25,000. FDCPA claims can also be filed in federal court, where the law lets you recover attorney's fees. Your local court is the Giles County court. Limits change, so confirm with the court clerk before filing.

Where to complain

File with the CFPB and the Tennessee 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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