Debt collector and FDCPA help in ZIP code 99208
99208 covers part of Spokane in Spokane County, Washington. 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 99208 (Spokane, WA)
- ZIP 99208 is part of Spokane in Spokane County, Washington, alongside 13 other Spokane ZIP codes.
State law on top of the FDCPA
People in ZIP 99208 (Spokane, WA) are protected by the federal Fair Debt Collection Practices Act and by Washington's own Washington Collection Agency Act (RCW 19.16). 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 99208 (Spokane, WA) is on Pacific time — note the exact time of every early or late call. Log calls for free.
Small claims court
Washington small claims courts commonly hear cases up to about $10,000. FDCPA claims can also be filed in federal court, where the law lets you recover attorney's fees. Your local court is the Spokane County court. Limits change, so confirm with the court clerk before filing.
Where to complain
File with the CFPB and the Washington 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
- Washington Collection Agency Act (RCW 19.16) — look up the official text
- Washington Attorney General (National Association of Attorneys General)
Last reviewed: by the StopAndDesist editorial team. General information, not legal advice.
Other ZIP codes in Spokane
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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