Sued by Pressler, Feltner, Shidlovsky & Zangari in Delaware? 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 Delaware, the statute of limitations for credit card debt is 3 years. If your last payment was more than 3 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.

Delaware Wage Garnishment Exemptions

Only 15% of gross wages can be garnished — one of the most protective states for wage garnishment.

Delaware Consumer Fraud Act

In addition to the federal FDCPA, Delaware's Delaware Consumer Fraud Act may provide additional protections and remedies against Pressler, Feltner, Shidlovsky & Zangari's collection practices.

Delaware Court System

Justice of the Peace courts handle cases up to $25,000. Superior court for larger amounts. Filing fees in Delaware typically range $45-$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 Delaware?

20 days from service to file your Answer.

What is the statute of limitations in Delaware?

3 years for all types of contracts. This is one of the shorter SOLs in the country.

How much can they garnish in Delaware?

Only 15% of gross wages — Delaware is one of the most protective states for wage garnishment.

Where are debt cases filed in Delaware?

Justice of the Peace courts handle cases up to $25,000. Most consumer debt cases are filed here.

Can debt collectors garnish my wages in Delaware?

Delaware provides one of the strongest wage protections in the country for consumer debts. Under 10 Del. C. § 4913, wages cannot be garnished to satisfy a judgment based on a consumer debt (credit card, medical, personal loan, etc.). The protection does not apply to child support, taxes, or other non-consumer obligations. This means that even if a credit card company or debt buyer gets a judgment against you in Delaware, they cannot reach into your paycheck for the amount owed. They can still pursue other collection methods, including bank account levies and liens on non-exempt real property, but your wages are safe. Federal benefits like Social Security and SSI remain protected under 42 U.S.C. § 407 in any case. If a collector or its lawyer threatens to garnish your wages on a Delaware consumer debt, that is a likely violation of 15 U.S.C. § 1692e(5) of the FDCPA (threatening action that cannot legally be taken) and supports a counterclaim under § 1692k.

Are debt collectors required to be licensed in Delaware?

Yes. Under 30 Del. C. § 2301, any collection agency operating in Delaware must hold a current business license. The Delaware Division of Revenue handles licensing, and the Delaware Department of Justice's Consumer Protection Unit enforces compliance. An unlicensed collector who attempts to collect or files suit violates the licensing statute and triggers a parallel violation under 15 U.S.C. § 1692e(9) of the federal FDCPA for misrepresenting authority. If you are sued by a debt buyer or third-party collector, check whether the named plaintiff and any in-state collection counsel are properly licensed. Lack of licensing is a defense and grounds for dismissal. It can also support a claim under the Delaware Consumer Fraud Act, 6 Del. C. §§ 2511 et seq., with treble damages and attorney's fees in cases of willful violation.

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

Delaware applies a three-year statute of limitations to actions on debts under 10 Del. C. § 8106, which courts have applied to credit card accounts and most consumer contracts. The clock typically begins running on the date of default, usually the date of the last payment. Three years is one of the shorter SOLs in the country, which is a significant consumer protection. Once the three years run, the debt is time-barred and a suit on it violates 15 U.S.C. § 1692e(2) and § 1692f(1) of the FDCPA. Raise the statute of limitations as an affirmative defense in your Answer and consider an FDCPA counterclaim for up to $1,000 in statutory damages, actual damages, and attorney's fees under § 1692k. Many out-of-state debt buyers fail to check Delaware's short SOL before suing, which creates leverage at the Answer stage. Note that a written promise to pay can revive the SOL, so do not acknowledge old debts in writing.

What courts handle debt collection in Delaware?

Delaware has a three-tier civil court system for consumer debt cases. The Justice of the Peace Courts handle most consumer debt suits for amounts up to $25,000 under 10 Del. C. § 9301; the Court of Common Pleas handles cases up to $75,000; and the Superior Court handles larger civil claims. After you are served, you have 15 days to file an Answer in JP Court and 20 days in the Court of Common Pleas. JP Court procedure is relatively informal, but you still need to file a written Answer denying the allegations and raising affirmative defenses like statute of limitations under 10 Del. C. § 8106, lack of standing, and failure to validate under 15 U.S.C. § 1692g. The federal FDCPA at § 1692i requires the suit to be in the county where you currently live or where you signed the original contract. If a collector files in the wrong county, raise improper venue immediately.

How does the Delaware Consumer Fraud Act apply to debt collection?

The Delaware Consumer Fraud Act, 6 Del. C. §§ 2511 et seq., prohibits any deception, false promise, misrepresentation, or omission in connection with the sale or advertisement of merchandise, which Delaware courts have applied to debt-collection conduct. Remedies under 6 Del. C. § 2525 include actual damages, attorney's fees, and in cases of willful violation, treble damages. The CFA reaches both original creditors and third-party debt collectors, filling part of the gap the federal FDCPA leaves open. Conduct that violates 15 U.S.C. § 1692e (false representations), § 1692f (unfair practices), or § 1692g (validation requirements) often supports a parallel Delaware CFA claim. The Delaware Department of Justice's Consumer Protection Unit also investigates patterns of collection abuse and can bring enforcement actions against unlicensed or abusive collectors under 6 Del. C. § 2522. If you have been sued by a Delaware collector and believe the practices were deceptive, document the conduct and consider both FDCPA and Delaware CFA counterclaims.