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

Nevada Wage Garnishment Exemptions

Greater of 75% of disposable earnings or 50x federal minimum wage exempt. Nevada is more protective than the federal floor.

Nevada Deceptive Trade Practices Act (NRS 598)

In addition to the federal FDCPA, Nevada's Nevada Deceptive Trade Practices Act (NRS 598) may provide additional protections and remedies against Pressler, Feltner, Shidlovsky & Zangari's collection practices.

Nevada Court System

Small claims limit $10,000. Justice court handles cases up to $15,000. District court for larger amounts. Filing fees in Nevada typically range $50-$300.

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 Nevada?

21 days from service.

What is the SOL in Nevada?

6 years for written contracts. 4 years for oral contracts.

How protective is Nevada on garnishment?

Nevada exempts the greater of 75% of disposable earnings or 50x minimum wage — more protective than federal law.

Where are cases filed?

Justice court for smaller cases. District court for larger amounts.

Is the collector or debt buyer suing me licensed under NRS Chapter 649?

Most third-party collection agencies and debt buyers that operate in Nevada are required to be licensed by the Nevada Financial Institutions Division under NRS Chapter 649. You can search the FID online licensee list to check current status. If the entity that sent you collection letters or filed suit was not licensed at the relevant time, that is a strong defense and may support a counterclaim. Nevada courts have dismissed collection actions because the plaintiff lacked the required license, and unlicensed collection conduct can also be challenged as a deceptive trade practice under NRS Chapter 598. Even passive debt buyers who hire licensed collection firms have been required to hold their own license depending on the structure of the assignment. Before responding to a Nevada collection lawsuit, the first thing to verify is licensure of every entity in the chain of title, including the original creditor's assignee, the current debt buyer, and the collection law firm itself.

How long does a creditor have to sue me on a debt in Nevada?

Nevada's statute of limitations is six years on written contracts including most credit-card agreements (NRS 11.190(1)(b)) and four years on open accounts and oral contracts (NRS 11.190(2)). The clock generally runs from the date of last payment or default. Once the statute has run, the debt is time-barred and you have a complete defense to a lawsuit, but you must affirmatively raise the limitations defense in your answer. A time-barred debt does not disappear, and a collector may still ask you to pay, but suing or threatening suit on a time-barred debt violates the FDCPA. Be especially careful with partial payments and written acknowledgments on old debts because in some circumstances they can revive or restart the limitations period. If you are unsure of the date of last payment, send a written validation request under the FDCPA and review your credit reports for the original charge-off date as a reference point.

I was sued in Las Vegas Justice Court. What happens if I do not answer?

Las Vegas Justice Court handles a huge volume of collection cases, and the most common way consumers lose is by not answering. If you do not file a written answer within 20 days of being served, the plaintiff can move for default and the court can enter a default judgment for the full amount claimed plus interest and costs. Once a judgment is entered, the collector can garnish wages, levy bank accounts, and place liens on property. The good news is Nevada justice courts allow default judgments to be set aside under Justice Court Rule of Civil Procedure 60, particularly if you act quickly, can show excusable neglect or improper service, and have a meritorious defense such as wrong amount, time-barred debt, lack of standing, or licensure issues. If you have been sued, your single most important step is to file an answer on time, even a short answer that denies the debt and raises common defenses like statute of limitations, lack of standing, and unlicensed collection.

How does Nevada's homestead exemption affect a judgment against me?

Nevada has one of the strongest homestead exemptions in the country. Under NRS 115.010, equity up to $605,000 in your primary residence is protected from most judgment creditors, including credit-card and medical-debt judgment holders. To get the protection in many situations you must record a Declaration of Homestead with the county recorder, which is a simple one-page filing. While the homestead does not prevent a judgment lien from attaching, it protects the exempt equity from forced sale and from being applied to satisfy most civil judgments. The exemption does not protect against mortgages, mechanics' liens, tax liens, or child support, but it does protect against the typical consumer-debt judgment. If you own your home and are facing a Nevada collection lawsuit, recording a homestead declaration before judgment is one of the highest-impact steps you can take to protect your assets, and it costs only a small recording fee.

Can a Nevada collector garnish my Social Security or other federal benefits?

No. Social Security, SSI, VA benefits, federal pensions, and most other federal benefits are exempt from garnishment by private creditors under 42 U.S.C. § 407 and Treasury Rule 31 CFR Part 212. A collector who threatens to take your Social Security to pay a consumer debt is making a misleading statement that violates FDCPA 15 U.S.C. § 1692e. When federal benefits are deposited into your bank account by direct deposit, the bank is required to automatically protect up to two months of those deposits when a garnishment order is received, without requiring you to file anything. To preserve that automatic protection, avoid commingling benefits with significant amounts of other money. If your account is frozen, file an exemption claim immediately and provide proof of the benefit source. Document any collector threats to take exempt funds; that conduct often supports an FDCPA counterclaim with statutory damages up to $1,000 plus attorney fees.