StopAndDesist
Teague, TX

Debt collector and FDCPA help in ZIP code 75860

75860 covers part of Teague in Freestone 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 75860 yet. Consumer protection attorneys usually take cases across the whole state, so start with the Texas listings.

Your rights against debt collectors in ZIP 75860 (Teague, TX)

  • ZIP 75860 is part of Teague in Freestone County, Texas.

State law on top of the FDCPA

People in ZIP 75860 (Teague, 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 75860 (Teague, 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 Freestone 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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