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

Mississippi Wage Garnishment Exemptions

75% of disposable earnings or 30x minimum wage exempt.

Mississippi Consumer Protection Act

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

Mississippi Court System

Justice court handles cases up to $3,500. County and circuit courts for larger amounts. Filing fees in Mississippi typically range $40-$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 Mississippi?

30 days from service.

What is the SOL in Mississippi?

3 years for all contract types. This is one of the shortest in the country.

Can wages be garnished?

Yes. Federal limits apply.

Where are cases filed?

Justice court up to $3,500. County or circuit court for larger claims.

Can a debt collector garnish my wages in Mississippi?

Mississippi has unusually strong limits on wage garnishment for consumer debt. The state generally restricts wage garnishment to a 30-day period at a time, requires the creditor to follow strict statutory procedures under Miss. Code § 11-35-1 et seq., and exempts the first 30 days of wages from any single garnishment. After that, the federal cap of 25% of disposable earnings applies, and Mississippi follows the federal floor. Several categories of income are fully exempt: Social Security, SSI, VA, unemployment, workers' compensation, and most public assistance. The practical effect is that Mississippi consumer-debt wage garnishment is less common and more cumbersome than in many states. Collectors more often pursue bank-account seizure or property liens. If you are facing garnishment, file a claim of exemption with the court that issued the order, and consider whether the underlying judgment can be challenged - particularly for lack of service or expired SOL. Mississippi Center for Justice and several legal aid offices help low-income consumers with collection defense.

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

Mississippi's SOL on credit-card and open-account debt is generally 3 years under Miss. Code Ann. § 15-1-29 ("actions on open account or stated account"). Some courts apply the 3-year limit, others apply the 6-year SOL for written contracts under § 15-1-49, depending on whether the underlying cardholder agreement is treated as a written contract. The conservative read is 3 years for credit-card open-account debt - that is the position taken by the Fifth Circuit and many Mississippi courts. The clock runs from the date of last payment or last activity. Mississippi follows the rule that partial payment can restart the SOL, so do not pay anything on an old debt without first confirming the dates. If a collector sues on a time-barred debt, plead the SOL as an affirmative defense in your answer - failure to plead it can waive the defense. Suing on a time-barred debt is also a federal FDCPA violation, so a stale suit can give rise to a counterclaim for statutory damages and attorney's fees.

How do I file a complaint against a Mississippi collector?

Start with the Mississippi Attorney General's Consumer Protection Division at (601) 359-3680 or consumer@ago.ms.gov. The AG's office mediates between consumers and businesses and can pursue enforcement against patterns of misconduct. Under Miss. Code § 75-24-15, you must give the AG's office an opportunity to mediate before filing a private suit under the Mississippi Consumer Protection Act. The Consumer Financial Protection Bureau (consumerfinance.gov/complaint) also accepts complaints against debt collectors and forwards them to the collector for response. For federal FDCPA violations, you can sue without an exhaustion requirement - just file in federal or state court within one year of the violation (15 U.S.C. § 1692k(d)). Document every contact: keep voicemails, save letters and texts, write down dates and times of calls. That documentation supports both the AG complaint and any private suit. Many Mississippi consumer attorneys take FDCPA cases on a fee-shifting basis - if you win, the collector pays your lawyer.

Do collection agencies need a Mississippi license?

Mississippi does not have a general state license requirement for collection agencies the way many other states (Maryland, Maine, Michigan, Minnesota, etc.) do. The Mississippi Secretary of State requires registration of business entities operating in the state, and certain specific debt types (like mortgage servicers) have separate regulation, but there is no Mississippi "collection agency license" that controls who can collect consumer debt. The practical consequence: out-of-state collectors freely operate in Mississippi, and licensing-based defenses available in other states are not available here. Mississippi consumers rely primarily on federal FDCPA, federal CFPB Regulation F (12 CFR Part 1006), and the Mississippi Consumer Protection Act to challenge abusive collection. The lack of state licensing makes it more important to document violations carefully and pursue them aggressively. If you are dealing with an out-of-state collector, focus on FDCPA violations - false statements, harassment, contact-frequency abuse, validation failures, suit on time-barred debt - which apply nationwide regardless of state licensing.

What happens if a Mississippi hospital sends my bill to collections?

Medical debt is a leading source of collection action in Mississippi. Once a hospital sends the bill to a third-party collection agency, the federal FDCPA applies in full - validation rights, contact limits, prohibition on harassment, false statements, etc. As of recent CFPB rules and major credit-bureau policy changes, medical collections under $500 cannot be reported, paid medical collections must come off your credit report, and unpaid medical collections are delayed for one year before they can appear. The federal No Surprises Act (in effect since 2022) protects against certain surprise out-of-network bills, especially in emergency situations. Many Mississippi hospitals are nonprofit and subject to federal 501(r) financial-assistance rules, meaning they are required to offer charity-care policies; if you were not told about that policy or denied assistance, the bill may be challengeable. Before paying any medical collection, demand written validation, check for insurance errors, ask whether you were screened for financial assistance, and verify the dates against the 3-year SOL (or 6 years for written contracts under § 15-1-49).