StopAndDesist
La crosse, WI

Debt collector and FDCPA help in ZIP code 54601

54601 covers part of La crosse in La Crosse County, Wisconsin. 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 54601 yet. Consumer protection attorneys usually take cases across the whole state, so start with the Wisconsin listings.

Your rights against debt collectors in ZIP 54601 (La crosse, WI)

  • ZIP 54601 is part of La crosse in La Crosse County, Wisconsin, alongside 1 other La crosse ZIP code.

State law on top of the FDCPA

People in ZIP 54601 (La crosse, WI) are protected by the federal Fair Debt Collection Practices Act and by Wisconsin's own Wisconsin Consumer Act debt collection rules (Wis. Stat. ch. 427). 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 54601 (La crosse, WI) is on Central time — note the exact time of every early or late call. Log calls for free.

Small claims court

Wisconsin 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 La Crosse County court. Limits change, so confirm with the court clerk before filing.

Where to complain

File with the CFPB and the Wisconsin Attorney General. See our complaint guide.

Sources you can check

Last reviewed: by the StopAndDesist editorial team. General information, not legal advice.

Other ZIP codes in La crosse

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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