Sued by Pressler, Feltner, Shidlovsky & Zangari in Minnesota? 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 Minnesota, the statute of limitations for credit card debt is 6 years. If your last payment was more than 6 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.

Minnesota Wage Garnishment Exemptions

Federal limits apply. Minnesota also exempts public assistance and certain retirement funds.

Minnesota Prevention of Consumer Fraud Act / Minnesota Collection Agency Act

In addition to the federal FDCPA, Minnesota's Minnesota Prevention of Consumer Fraud Act / Minnesota Collection Agency Act may provide additional protections and remedies against Pressler, Feltner, Shidlovsky & Zangari's collection practices.

Minnesota Court System

Conciliation court (small claims) limit $15,000. District court for larger civil cases. Filing fees in Minnesota typically range $55-$350.

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 Minnesota?

20 days from personal service. 23 days if served by mail.

What is the SOL in Minnesota?

6 years for all contract types.

Does MN have a collection agency law?

Yes. The Minnesota Collection Agency Act requires collectors to be licensed and follow specific rules.

What is conciliation court?

Minnesota's small claims court, handling cases up to $15,000.

Does a debt buyer have to prove they own my debt in Minnesota?

Yes, and Minnesota courts have been notably strict about it. Under Minnesota law and case authority, a debt buyer suing on a purchased account must prove a complete chain of title from the original creditor to itself - typically through the original signed credit agreement, account statements showing the balance, and a series of assignment documents tracing every transfer of the debt. A generic "affidavit of sale" from a debt buyer's employee, without supporting documentation, is usually not enough. If the debt buyer cannot produce these records, the case can be dismissed - sometimes outright at the default-judgment stage, since Minnesota courts have grown more skeptical of bare debt-buyer claims. When you are sued by a debt buyer, your answer should specifically deny that the plaintiff owns the debt, deny the amount, and demand strict proof. Then send a discovery request asking for the original contract, all account statements, and every assignment. Most cases settle or get dismissed at that point because the documentation simply does not exist.

What is the statute of limitations on debt in Minnesota?

Minnesota has a 6-year statute of limitations on most contract debt, open accounts, and credit-card debt under Minn. Stat. § 541.05, subdivision 1. The clock runs from the date of breach - generally the date of last payment or last activity on the account. Minnesota courts have made clear that the SOL is an affirmative defense that must be pleaded in your answer or it is waived. Once the 6 years have run, a collector cannot legally obtain a Minnesota judgment on the debt if you raise the defense. Partial payments can restart the clock under Minnesota's tolling principles, so be careful about making any payment on an old debt without first confirming the dates. The federal FDCPA prohibits suing or threatening to sue on time-barred debt, and so does Minnesota's Consumer Fraud Act in some circumstances. If you receive a collection letter or summons on an old account, check the date of last payment first - if more than 6 years have passed, you may have a complete defense plus a counterclaim.

Can a Minnesota collector garnish my wages?

Yes, but only after suing you, winning a judgment, and serving a Wage Garnishment Notice on your employer under Minn. Stat. Chapter 571. Minnesota caps wage garnishment at the lesser of (a) 25% of disposable earnings or (b) the amount your disposable earnings exceed 40 times the federal minimum wage - tighter than the federal 30-times rule. Many categories of income are fully exempt: Social Security, SSI, VA, unemployment, workers' compensation, child support received, public assistance, and earned income credit. Minnesota also exempts "government assistance based on need" for at least 6 months after deposit. To stop or reduce a garnishment, file an Exemption Notice with the court within 10 days of receiving the garnishment paperwork (Minn. Stat. § 571.911 ff.). Bring proof of your income source and any hardship. Minnesota Legal Aid (1-877-696-6529 statewide) and many consumer attorneys help with wage-garnishment objections, often at no cost because of fee-shifting under federal FDCPA and Minn. Stat. § 8.31.

Is the collection agency that contacted me licensed in Minnesota?

If it is a third-party collection agency or debt buyer, it must be licensed by the Minnesota Department of Commerce under Minn. Stat. § 332.33. You can verify licensing by searching the Department of Commerce's license lookup tool. Original creditors collecting in their own name are generally exempt. Unlicensed collection activity is itself a violation of Chapter 332 and can also be the basis for a Consumer Fraud Act claim under Minn. Stat. § 325F.69. Courts have dismissed cases brought by unlicensed collectors, and an unlicensed collector who garnishes wages or freezes a bank account may be liable for the funds taken plus damages and attorney's fees. The Department of Commerce also accepts and acts on consumer complaints against licensed agencies, so even if the collector is licensed, you can report misconduct that puts their license at risk. Always check licensing as part of any response to a collection demand - it is one of the easiest ways to identify leverage.

How do I use Minnesota's private attorney general statute against a collector?

Minnesota's "private AG" statute, Minn. Stat. § 8.31, subdivision 3a, allows private individuals to sue under the consumer-fraud laws when their case implicates a "public interest." Combined with the Minnesota Prevention of Consumer Fraud Act (Minn. Stat. § 325F.69) and the Collection Agencies Act (Minn. Stat. § 332.31 et seq.), it gives consumers leverage similar to a state attorney general's office. To use it: document the violations (calls, letters, false statements, threats), demonstrate that the misconduct has broader impact than just your case (a pattern of similar conduct, mass-filed lawsuits, etc.), and then sue for damages, costs, and reasonable attorney's fees. The fee-shifting feature means most Minnesota consumer attorneys will take a viable case on contingency - if you win, the collector pays the attorney. Pairing 8.31 claims with federal FDCPA claims (15 U.S.C. § 1692k - up to $1,000 statutory damages, actual damages, fees) produces strong combined remedies. The Ly v. Nystrom line of cases requires a true public interest element, so document the pattern.