Debt collector and FDCPA help in ZIP code 37057
37057 covers part of Dixon springs in Macon County, Tennessee. 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 37057 (Dixon springs, TN)
- ZIP 37057 is part of Dixon springs in Macon County, Tennessee.
State law on top of the FDCPA
People in ZIP 37057 (Dixon springs, 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 37057 (Dixon springs, 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 Macon 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
- 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
- Tennessee Collection Service Act (Tenn. Code § 62-20-101 et seq.) — look up the official text
- Tennessee 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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