StopAndDesist
Meadow, TX

Debt collector and FDCPA help in ZIP code 79345

79345 covers part of Meadow in Terry County, Texas. 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 79345 yet. Consumer protection attorneys usually take cases across the whole state, so start with the Texas listings.

Your rights against debt collectors in ZIP 79345 (Meadow, TX)

  • ZIP 79345 is part of Meadow in Terry County, Texas.

State law on top of the FDCPA

People in ZIP 79345 (Meadow, TX) are protected by the federal Fair Debt Collection Practices Act and by Texas's own Texas Debt Collection Act (Tex. Fin. Code ch. 392). 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 79345 (Meadow, TX) is on Central (Mountain in far west Texas) time — note the exact time of every early or late call. Log calls for free.

Small claims court

Texas small claims courts commonly hear cases up to about $20,000. FDCPA claims can also be filed in federal court, where the law lets you recover attorney's fees. Your local court is the Terry County court. Limits change, so confirm with the court clerk before filing.

Where to complain

File with the CFPB and the Texas 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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