Sued by Pressler, Feltner, Shidlovsky & Zangari in Louisiana? 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 Louisiana, 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.

Louisiana Wage Garnishment Exemptions

Federal limits apply. Head of household claiming dependents may get additional exemptions.

Louisiana Unfair Trade Practices and Consumer Protection Law

In addition to the federal FDCPA, Louisiana's Louisiana Unfair Trade Practices and Consumer Protection Law may provide additional protections and remedies against Pressler, Feltner, Shidlovsky & Zangari's collection practices.

Louisiana Court System

Small claims limit varies by parish. City and district courts handle civil cases. Filing fees in Louisiana typically range $50-$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 to respond in Louisiana?

Only 15 days. This is one of the shortest deadlines — act immediately.

What is the SOL in Louisiana?

3 years for open accounts and credit cards. 10 years for written contracts (promissory notes).

Can they garnish wages?

Yes. Federal limits apply.

What is unique about Louisiana law?

Louisiana is based on civil law (not common law like other states). Some legal procedures differ from other states.

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

Most credit-card and open-account debt in Louisiana is governed by a 3-year liberative prescription under La. Civ. Code art. 3494. That clock generally runs from the date of last activity or last payment on the account. Debt based on a signed written contract (some installment loans, promissory notes) can be subject to a 10-year prescription under art. 3499, but routine revolving credit-card accounts fall under the 3-year rule. Once prescription runs, the debt is unenforceable in court if you raise the defense. Prescription is not automatic, though - you have to plead it as an affirmative defense in your answer or it can be waived. Making a partial payment, signing a written acknowledgment, or agreeing to a new payment plan can interrupt or restart prescription, so do not promise to pay or send money on an old debt without first confirming the dates. If a collector sues on a debt that is past its prescription period, that suit itself may violate the FDCPA.

Can a debt collector garnish my wages in Louisiana?

Yes, but only after suing you, winning a judgment, and obtaining a garnishment order from the court. Louisiana has one of the more protective wage-garnishment statutes in the country. Under La. R.S. 13:3881, a collector can take only 25% of your disposable earnings, meaning 75% of your wages after taxes and required withholdings are exempt. Federal law (15 U.S.C. § 1673) sets the same 25% cap, so Louisiana lines up with the federal floor. Certain income is fully protected: Social Security, SSI, VA benefits, unemployment, and most public assistance cannot be garnished for ordinary consumer debt. If a creditor freezes your bank account, you can claim those exemptions, but you typically have to act fast - file a claim of exemption with the court that issued the garnishment, usually within a short window after service. Talk to a Louisiana consumer attorney before any wages are taken if you can.

Does Louisiana have a state little-FDCPA?

Not in the comprehensive way states like Maryland, Massachusetts, or California do. Louisiana has not enacted a standalone state Fair Debt Collection Practices Act covering collectors the way the federal FDCPA does. Instead, abusive collection conduct is generally pursued under the Louisiana Unfair Trade Practices and Consumer Protection Law (LUTPA), La. R.S. 51:1401 et seq., which prohibits "unfair or deceptive acts or practices in the conduct of any trade or commerce." Louisiana courts have applied LUTPA to debt-collection misconduct in some cases. The practical effect is that most state-court actions against abusive collectors in Louisiana are still filed under the federal FDCPA, sometimes layered with LUTPA claims for added remedies. The federal FDCPA carries statutory damages up to $1,000 per case plus actual damages and attorney's fees under 15 U.S.C. § 1692k, which is usually the workhorse claim.

What does it cost to defend a debt collection lawsuit in Louisiana?

Many Louisiana consumer attorneys handle FDCPA defense on a contingency-style or fee-shifting basis, because the federal FDCPA (15 U.S.C. § 1692k) and LUTPA both allow a prevailing consumer to recover attorney's fees from the collector. If you have valid defenses or counterclaims - prescription, lack of standing by a debt buyer, validation failures, abusive conduct - an attorney may take your case without charging you out of pocket, intending to collect fees from the collector if you win. For simpler defenses, you may be able to file your own answer pleading prescription and lack of standing without a lawyer, especially in city or parish courts. Many parishes also have self-help resources through clerk's offices. Avoid ignoring the suit at all costs: a default judgment in Louisiana can lead to garnishment, bank seizure, and seizure of non-exempt property, and judgments in Louisiana are good for 10 years under La. R.S. 13:3068, renewable.

Can a Louisiana debt collector contact me at work?

Federal FDCPA § 1692c(a)(3) prohibits a collector from calling you at work if the collector knows or has reason to know your employer prohibits such calls. You do not need to put it in writing initially - a clear oral statement is enough to trigger the rule once the collector has been told. To create a paper trail, send the collector a short written notice by mail or email saying your employer does not allow personal calls and instructing them to stop contacting you at work. Keep a copy. After they receive that notice, any further work calls are a violation worth up to $1,000 in statutory damages plus actual damages and attorney's fees under § 1692k. You can also use FDCPA § 1692c(c) to demand the collector cease all communication with you, though that does not stop them from suing - it only stops phone calls and letters. Louisiana's LUTPA may layer additional remedies on top.