Patenaude & Felix, APC, is a debt collection law firm that files civil suits and pursues bank levies. According to BBB complaints, consumers have allegedly experienced wage garnishment that continued after paying debts in full. If Patenaude & Felix have served you or contacted you, call +1-844-638-1122 for a free case review.
Key Takeaways
- Patenaude & Felix, APC is a San Diego-based debt collection law firm that files lawsuits, obtains judgments, and pursues wage garnishments and bank levies in multiple states, including CA, NV, OR, PA, and WA.
- Multiple federal class action lawsuits allege the firm sent deceptive collection letters that misstated dispute rights, obscured balance accrual, and conflicted on the total amount owed.
- According to BBB complaints and consumer reviews, consumers have allegedly experienced continued wage garnishment after paying debts in full and an inability to reach the firm after court orders were entered.
- As a law firm, Patenaude & Felix faces the same FDCPA obligations as any debt collector. An attorney’s letterhead does not exempt them from the statute’s requirements.
- Successful FDCPA claims can recover up to $1,000 per violation. TCPA claims for unauthorized autodialed calls can add $500 to $1,500 per call.
- The Wood Firm PLLC handles these cases on contingency, with no upfront fees, and if the firm violates federal law, they pay our fees.
Free Case Review: +1-844-638-1122
Who Is Patenaude and Felix APC?
Patenaude & Felix, APC is a debt collection law firm headquartered in San Diego, California. The firm does not typically purchase debt. It serves as legal counsel for major creditors, including Capital One, American Express, Discover, and Chase.
Operating as a law firm separates Patenaude & Felix from most collectors. It can file civil lawsuits directly without referring accounts to outside counsel. Once a judgment enters, the firm pursues garnishments and bank levies through the same court.
In our practice, we treat Patenaude & Felix files differently from agency files. The firm’s letterhead triggers Avvo, Heintz, and Jerman considerations. Courts have rejected the argument that law firm communications deserve different treatment under the FDCPA.
- Also Known As: Law Offices of Patenaude & Felix, P&F, Patenaude & Felix APC
- Address: 4545 Murphy Canyon Rd., Suite 300, San Diego, CA 92123
- States Active: AZ, CA, CO, NV, NM, OR, PA, WA
- Phone: 800-832-7675 | (800) 832-7675 | +1-800-832-7675 | 8008327675
- Website: pandf.us
- BBB Profile: Patenaude & Felix BBB listing
How to Identify Calls from Patenaude and Felix
Patenaude & Felix operates from multiple state offices and uses a documented set of outbound numbers. Consumers searching a number that appeared on their caller ID land here.
800-832-7675 (toll-free)
- 800-832-7675
- (800) 832-7675
- +1-800-832-7675
- 8008327675
866-606-3290
- 866-606-3290
- (866) 606-3290
- +1-866-606-3290
- 8666063290
866-772-7675
- 866-772-7675
- (866) 772-7675
- +1-866-772-7675
- 8667727675
702-952-2031 (Nevada)
- 702-952-2031
- (702) 952-2031
- +1-702-952-2031
- 7029522031
412-429-7675 (Pennsylvania)
- 412-429-7675
- (412) 429-7675
- +1-412-429-7675
- 4124297675
503-208-2676 (Oregon)
- 503-208-2676
- (503) 208-2676
- +1-503-208-2676
- 5032082676
206-441-4065 (Washington)
- 206-441-4065
- (206) 441-4065
- +1-206-441-4065
- 2064414065
800-867-3092
- 800-867-3092
- (800) 867-3092
- +1-800-867-3092
- 8008673092
BBB complaints document consumer difficulty reaching the firm after a lawsuit is filed. A call connecting to voicemail-only or a recorded script may still be from this office. Document the number and date, as a firm holding a court order must still comply with the FDCPA.
Why Is Patenaude and Felix Contacting You
Patenaude & Felix is contacting you because a creditor hired the firm to collect a consumer debt. The account may be a credit card, auto loan, personal loan, or student loan trust. The firm represents the creditor directly and does not typically buy debt portfolios.
The firm pursues collection in a sequence: letters and calls, then a civil lawsuit if no resolution occurs. A lawsuit from Patenaude & Felix is not a threat of future action. Consumer reviews document cases where consumers received a summons before any identifiable written notice from the firm.
If you received a letter or a summons, verify the debt in writing before any other step. Multiple class actions have alleged these letters misstated dispute rights and omitted required disclosures.
Can Patenaude and Felix Sue You
Yes. Patenaude & Felix files civil lawsuits as a standard collection tool. The firm acts as counsel for its creditor clients. It can move from collection letter to civil filing without routing the account to outside litigation.
A judgment gives the firm authority to pursue wage garnishment and bank account levies. BBB complaints document at least one consumer who alleged the firm continued garnishing wages after full payment. Another alleged a bank account remained frozen after a settlement was reached.
If you receive a summons, the response deadline runs from the date of service. Missing that window produces a default judgment and gives Patenaude & Felix full enforcement rights. The firm never needs to prove the debt at trial.
Can Patenaude and Felix Garnish Your Wages or Levy Your Bank Account
Yes, but only after a court enters a judgment. Threats of immediate garnishment before a judgment violate 15 U.S.C. § 1692e, regardless of whether the underlying debt is valid.
California caps garnishment at 25% of disposable earnings. It also caps at amounts above 40 times the weekly state minimum wage. Other states set their own caps, and federal law sets a floor no state can override.
A bank levy freezes the account and directs funds toward the judgment. Consumer reviews allege the firm retained garnished wages after a debt was paid. In our practice, post-satisfaction collection conduct is the first thing we examine in any Patenaude & Felix file.
Has Patenaude and Felix Been Sued
Yes. Patenaude & Felix, APC has faced multiple federal class action lawsuits alleging FDCPA violations. The dominant pattern involves letters that allegedly misstated dispute rights, used conflicting balance figures, or omitted interest disclosures.
- Brown v. Transworld Systems, Inc. & Patenaude & Felix APC, Case No. 22-35244 (9th Cir. 2023) , plaintiff alleged the defendants filed knowingly meritless debt collection lawsuits in violation of the FDCPA and a bankruptcy discharge order.
- Moyer v. Patenaude & Felix, A.P.C., Case No. 5:18-cv-04711-JFL (E.D. Pa.) , plaintiff alleged the firm’s collection notices misstated how a consumer can effectively dispute a debt under the FDCPA.
- Untershine v. Patenaude & Felix, A.P.C., Case No. 2:17-cv-01612-WED (E.D. Wis.) , plaintiff alleged billing statements with conflicting “total due” figures overshadowed the validation notice required by 15 U.S.C. § 1692g.
- Brace v. Patenaude & Felix, APC, Case No. 2:17-cv-00120 (E.D. Wis.) , FDCPA class action alleging deceptive collection and communication practices, including a collection notice describing a “minimum due” amount that allegedly overshadowed the consumer’s dispute rights.
- Dana Reeves v. Patenaude & Felix, A.P.C., Case No. 5:20-cv-11034-JEL-DRG (E.D. Mich.) , class action alleging initial collection letters violated FDCPA regulations; resulted in a consumer settlement.
- Mary Basich v. Patenaude & Felix, APC & Capital One Bank (N.D. Cal.) , alleged federal and state FDCPA violations and wrongful collection and harassment tactics against both the creditor and the firm.
- Schultz v. Patenaude & Felix, A.P.C., No. 2:2018cv00489 (W.D. Pa.) , FDCPA claims in Pennsylvania federal court involving the firm’s collection communication practices.
We pull every letter Patenaude & Felix sent and check dispute instructions against 15 U.S.C. § 1692g. The class action record confirms letter language is where violations concentrate. Those letters are usually still in the consumer’s hands when they call us.
Is Patenaude and Felix a Scam
Patenaude & Felix, APC is a real, licensed law firm , not a scam operation. Licensed does not mean every practice is lawful. The firm holds active bar licenses and operates under court oversight in multiple states.
Consumer complaints document verbal settlement offers that differed from written offers sent the same day. Voicemails went unreturned after court orders. Collections reportedly continued after accounts were paid, and each pattern, if proven, describes an FDCPA violation.
If a caller claims to be Patenaude & Felix but refuses written confirmation, document the refusal. An attorney letterhead does not waive FDCPA validation requirements.
Is Patenaude and Felix Banned by the FTC
No. The FTC has not banned Patenaude & Felix or issued a consent order against the firm. No civil penalty targets this specific entity.
The absence of an FTC action does not mean the firm has avoided scrutiny. Federal courts have reviewed FDCPA claims against Patenaude & Felix in the Third and Ninth Circuits. We consult those opinions when assessing the claims available to any consumer with a Patenaude & Felix file.
How The Wood Firm PLLC Helps Stop Patenaude and Felix Debt Harassment
The Wood Firm PLLC represents consumers exclusively and has never represented a creditor or collector. On each Patenaude & Felix file, we pull collection letters and check dispute instructions for § 1692g compliance. We also pull garnishment records for any collection that continued after the debt was resolved.
The firm handles these cases on contingency, with no upfront fees. If Patenaude & Felix violated federal law, they pay our fees. Call us at +1-844-638-1122 to start a free case review.
Both patterns may support a federal claim against Patenaude & Felix. Visit our contact page or call +1-844-638-1122 for a free review. The Wood Firm PLLC handles these cases on contingency, with no upfront fees.
Frequently Asked Questions
Is Patenaude and Felix a legitimate law firm
Yes. Patenaude & Felix, APC is a licensed California law firm representing creditors and debt buyers. Licensed does not mean every practice is lawful. Multiple federal class actions have alleged FDCPA violations involving the firm’s letters and litigation conduct.
Why is Patenaude and Felix contacting you
Patenaude & Felix is contacting you because a creditor hired the firm to collect a consumer debt. The account may be a credit card, auto loan, or student loan. The firm files civil lawsuits as a standard collection step, not a last resort.
Can Patenaude and Felix garnish your wages
Yes, but only after winning a court judgment. California caps garnishment at 25% of disposable earnings or amounts above 40 times the state minimum wage weekly. Other states where the firm operates have their own rules.
Can Patenaude and Felix levy your bank account
Yes, after a judgment, the firm can direct a bank levy that freezes your account. Consumer complaints allege the firm has continued levies and garnishments after debts were paid in full. Continuing collection after satisfaction may violate the FDCPA.
What happens if you ignore a Patenaude and Felix lawsuit
Ignoring a lawsuit produces a default judgment. A default gives Patenaude & Felix the same enforcement rights as a contested judgment. The firm can then pursue garnishment and levies without proving the debt at trial.
Do Patenaude and Felix collection letters violate the FDCPA
Multiple federal class actions have alleged that they do. Alleged violations include misstated dispute rights, conflicting balance figures, and failure to disclose accruing interest. Whether a specific letter violates the statute depends on its exact language.
Is Patenaude and Felix banned by the FTC
No. The FTC has not banned or taken enforcement action against Patenaude & Felix. Federal courts in the Third and Ninth Circuits have reviewed FDCPA claims against the firm in multiple cases.
Can Patenaude and Felix call you after a court order
Post-judgment communication must still comply with the FDCPA. Consumer complaints allege the firm has gone unreachable after obtaining judgments, while continuing collection activity. Both patterns raise distinct legal issues.
Your Next Step If Patenaude and Felix Has Contacted You
Save every letter, note every call date and time, and keep the summons if one was served. That documentation is the foundation of any federal case against this firm.
The Wood Firm PLLC reviews Patenaude & Felix files at no cost. If the facts support a federal claim, the firm pays our fees. Call +1-844-638-1122 to start that review today.
Jeff Wood represents consumers exclusively, never creditors or collectors. He holds federal court admissions across 9 districts, including all courts of AR, CO, NM, and TX. He practices in Little Rock, AR.
