Sued by Pressler, Feltner, Shidlovsky & Zangari in Arkansas? Here's What to Do Next

2016 · consent order

$1M CFPB civil money penalty against Pressler & Pressler and named partners; companion $1.5M penalty against affiliated debt buyer New Century Financial Services

CFPB consent order finding Pressler & Pressler used an automated claim-preparation system and non-attorney staff to mass-produce hundreds of thousands of debt collection lawsuits against consumers without meaningful attorney involvement and without reviewing account-level documentation to confirm debts were owed, in violation of the FDCPA and Dodd-Frank Act. The order required real attorney review and verified documentation before filing future suits.

CFPB source

Statute of Limitations Defense

In Arkansas, the statute of limitations for credit card debt is 5 years. If your last payment was more than 5 years ago, the debt is time-barred. Verify when your last payment or account activity occurred and raise the SOL defense in your Answer if applicable.

Challenge the Amount

Demand a complete accounting from the original creditor's last statement through the current claimed balance. Any unauthorized fees, post-charge-off interest, or collection costs not in the original agreement should be disputed line by line.

Arkansas Wage Garnishment Exemptions

First $200 per week in wages is exempt for head of household. Federal limits also apply.

Arkansas Deceptive Trade Practices Act

In addition to the federal FDCPA, Arkansas's Arkansas Deceptive Trade Practices Act may provide additional protections and remedies against Pressler, Feltner, Shidlovsky & Zangari's collection practices.

Arkansas Court System

Small claims division handles cases up to $5,000. Circuit court handles larger civil claims. Filing fees in Arkansas typically range $65-$250.

Who is Pressler Feltner?

Pressler, Feltner, Shidlovsky & Zangari is a high-volume debt collection law firm based in New Jersey. They file tens of thousands of lawsuits per year, primarily for debt buyers like LVNV Funding and Midland Credit Management.

Why is Pressler Feltner suing me?

They are representing a debt buyer or creditor who claims you owe a debt. They are acting as the law firm filing the lawsuit — the actual plaintiff is the creditor or debt buyer named in the complaint.

Are there errors in Pressler Feltner lawsuits?

Yes. Because they file such a high volume of cases, errors are common — wrong names, incorrect amounts, expired statutes of limitations, and missing documentation. Review every detail in the complaint carefully.

Do I need a lawyer to fight Pressler Feltner?

You do not need a lawyer to file your Answer, but it can help. Our service prepares your Answer and identifies if FDCPA violations occurred that would qualify you for free attorney representation.

Can Pressler Feltner get a default judgment against me?

Yes, and they do — thousands per year. If you do not file your Answer by the deadline, the court will enter a default judgment allowing wage garnishment, bank levies, and property liens.

How long do I have to respond in Arkansas?

30 days from service to file your Answer with the circuit court.

What is the statute of limitations in Arkansas?

5 years for written contracts and credit cards. 5 years for oral contracts.

Can they garnish my wages in Arkansas?

Yes, but the first $200 per week is exempt if you are head of household.

Does Arkansas have a state consumer protection law?

Yes. The Arkansas Deceptive Trade Practices Act provides additional protections against unfair collection practices.

What is the statute of limitations on credit card debt in Arkansas?

Arkansas applies a five-year statute of limitations to actions on written contracts under Ark. Code Ann. § 16-56-111, which courts have applied to credit card accounts. The clock typically starts on the date of default, usually the date of last payment. Once five years pass without a lawsuit, the debt is time-barred. A collector who sues on a time-barred debt commits a violation of 15 U.S.C. § 1692e(2) (misrepresenting the legal status of the debt) and § 1692f(1) (attempting to collect an amount not legally owed). You should raise the statute of limitations as an affirmative defense in your Answer and consider filing an FDCPA counterclaim for up to $1,000 in statutory damages plus actual damages and attorney's fees under 15 U.S.C. § 1692k. Avoid making any partial payment or written acknowledgment of an old debt, which can revive the SOL under Ark. Code Ann. § 16-56-115.

How does Arkansas's head of household exemption protect my wages?

Arkansas provides one of the strongest wage protections in the country. Under Ark. Code Ann. § 16-66-208, the first $200 of weekly net earnings is fully exempt for any resident who is the head of a family. That is on top of the federal 25% cap under 15 U.S.C. § 1673. Practically, that means a collector with a judgment can garnish only the smaller of 25% of disposable earnings or amounts above $200 per week. If you do not assert head of household status, the collector and court may apply only the federal floor, so you must file a written claim of exemption with the issuing court promptly after receiving notice of garnishment. The exemption also applies to bank accounts holding traceable wages. Federal benefits like Social Security, SSI, and VA deposits remain fully protected under 42 U.S.C. § 407, regardless of head-of-household status.

Can a debt collector take my house in Arkansas?

Arkansas has one of the most generous homestead exemptions in the country. Under Arkansas Constitution Article 9, sections 3-5, the homestead of a head of family is exempt from sale under execution to satisfy most debts. The exemption covers up to 1/4 acre in a city, town, or village (regardless of value) and up to 80 acres outside a city, plus an additional 80 acres if the property's value is below specified caps. That means a credit card or medical debt judgment generally cannot force the sale of your primary residence if you are the head of a family. The exemption does not apply to purchase-money mortgages, taxes, or mechanic's liens. The collector can still record a judgment lien on non-homestead property, which is good for 10 years and can be renewed. To assert the homestead exemption, file a claim with the circuit court promptly.

What courts handle debt cases in Arkansas?

Arkansas debt collection cases are filed in circuit court, often in the small claims division for amounts up to $5,000. Larger cases go to the general civil division of the circuit court. Under Ark. R. Civ. P. 12(a), you have 30 days from service to file a written Answer with the court. Small claims procedure under Ark. Code Ann. §§ 16-17-602 et seq. is simplified, but lawyers are still allowed for plaintiffs. Venue is governed by Ark. Code Ann. § 16-60-101 and the federal FDCPA at 15 U.S.C. § 1692i: the suit must be in the county where you live or where you signed the original contract. If a collector files in the wrong county, raise improper venue in your Answer and as an FDCPA counterclaim, which exposes the collector to statutory damages under 15 U.S.C. § 1692k.

How does the Arkansas Deceptive Trade Practices Act apply to debt collectors?

The Arkansas Deceptive Trade Practices Act (Ark. Code Ann. §§ 4-88-101 et seq.) prohibits any deceptive or unconscionable trade practice, and Arkansas courts have applied it to debt collection conduct including false statements about debt status, harassment, and improper collection from time-barred debts. Under Ark. Code Ann. § 4-88-113(f), private plaintiffs can recover actual damages, attorney's fees, and in cases of willful or knowing violations, additional damages. The ADTPA's reach extends to both third-party collectors and original creditors operating in trade or commerce, filling a gap the federal FDCPA leaves open. Many of the same facts that support a federal FDCPA counterclaim under 15 U.S.C. § 1692e (false representations), § 1692f (unfair practices), or § 1692g (validation violations) also support a parallel ADTPA claim with potentially broader damages.