Debt collector and FDCPA help in ZIP code 37614
37614 covers part of Johnson city in Washington 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 37614 (Johnson city, TN)
- ZIP 37614 is part of Johnson city in Washington County, Tennessee, alongside 2 other Johnson city ZIP codes.
State law on top of the FDCPA
People in ZIP 37614 (Johnson city, 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 37614 (Johnson city, 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 Washington 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.
Other ZIP codes in Johnson city
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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