Who is Patenaude & Felix?
Patenaude & Felix, APC is a debt collection law firm located in San Diego, California. They act as a liaison between creditors and individuals who have defaulted on their payments.
If you have an unpaid bill, Patenaude & Felix may appear on your credit report as a collections account. This means that they have been assigned to collect the money you owe.
Who does Patenaude & Felix collect for?
Patenaude & Felix primarily focuses on collecting debts on behalf of credit card companies, including major industry players like Capital One.
Is Patenaude & Felix legit or a scam?
Patenaude & Felix is a legitimate debt collection agency. They operate within the legal frameworks governing debt collection and are authorized to collect on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove Patenaude & Felix from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Patenaude & Felix, APC Contact Information
Address:
Law Office of Patenaude & Felix
9619 Chesapeake Drive, Suite 300
San Diego, CA 92123
Phone number: (800) 832-7675
Should I contact or pay Patenaude & Felix?
Before contacting a debt collector, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with Patenaude & Felix is to work with a credit repair professional. They help remove millions of negative items every year from companies like Patenaude & Felix on behalf of their clients.
Will Patenaude & Felix sue me or garnish my wages?
Patenaude & Felix, like other debt collection agencies, has the legal authority to file a lawsuit against individuals to recover unpaid debts. If they go to court and obtain a judgment in their favor, they could potentially use wage garnishment as a means to collect the owed debt. However, these steps are often viewed as a last resort in the debt collection process.
Patenaude & Felix, APC Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collection law firm is harassing you, you may want to consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Patenaude & Felix
Patenaude & Felix must abide by state and federal laws in the United States. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for Patenaude & Felix to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
- Patenaude & Felix cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Patenaude & Felix must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- Patenaude & Felix cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Patenaude & Felix From Your Credit Report Today!
Credit Saint offers assistance with disputing Patenaude & Felix collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
