StopAndDesist
Old ocean, TX

Debt collector and FDCPA help in ZIP code 77463

77463 covers part of Old ocean in Brazoria 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 77463 yet. Consumer protection attorneys usually take cases across the whole state, so start with the Texas listings.

Your rights against debt collectors in ZIP 77463 (Old ocean, TX)

  • ZIP 77463 is part of Old ocean in Brazoria County, Texas.

State law on top of the FDCPA

People in ZIP 77463 (Old ocean, 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 77463 (Old ocean, 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 Brazoria 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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