Patenaude & Felix, A.P.C. is a San Diego-based law firm that collects debts and files collection lawsuits for creditors and collection companies in eight states. A letter or lawsuit from the firm usually means a creditor or a collection company has sent it your account.
- Type
- Collection law firm
- Also known as
- Patenaude & Felix, A.P.C.; Patenaude & Felix A Professional Corporation; Law Offices of Patenaude & Felix
- Headquarters
- San Diego, CA
- Collects
- consumer accounts for creditors and debt buyers
- Phone numbers it lists
- (800) 832-7675
- Website
- pandf.us
106 debt collection complaints were sent to the Consumer Financial Protection Bureau about Patenaude & Felix A Professional Corporation from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is Patenaude & Felix?
Patenaude & Felix, A.P.C. is a debt collection law firm headquartered at 9619 Chesapeake Drive, Suite 300, San Diego, California 92123. Its About page says the firm "was formed in 1991" and is "currently litigating and collecting for our clients" in eight states: Arizona, California, Colorado, Nevada, New Mexico, Oregon, Pennsylvania and Washington. It lists offices in San Diego and Canoga Park, California; Scottsdale, Arizona; Las Vegas; Albuquerque; Portland, Oregon; Canonsburg, Pennsylvania; Lynnwood, Washington; and Lakewood, Colorado. The firm displays California DFPI debt collector license 10678-99.
The firm's published number is (800) 832-7675, with phone-payment hours of 8 a.m. to 5 p.m. Pacific, Monday through Friday. Its site is available in English and Spanish.
We did not find a CFPB enforcement action against Patenaude & Felix.
Why Patenaude & Felix May Be Contacting You
The firm says it develops "mutually agreeable repayment solutions for our creditor clients and their borrowers," and that it has been recognized by "creditors, Fortune 500 Companies and collection organizations." In other words, its clients include both original creditors and companies in the collection business.
A first letter from the firm is often a demand on a charged-off consumer account. A collection firm may also file suit, so if you were served with a summons, focus on the court deadline first.
How to Check a Debt Patenaude & Felix Says You Owe
- Look for the validation notice. A law firm that collects consumer debts must send the notice required by 15 U.S.C. § 1692g and 12 C.F.R. § 1006.34, naming the current creditor and itemizing the balance.
- Dispute in writing within the validation period. Ask for the signed agreement or account terms, the charge-off statement and, if a buyer owns the account, the assignment documents that list your account.
- Find out who the real creditor is. If the client is a debt buyer, you are entitled to know its name and the original creditor's. See what a debt buyer is.
- Reconcile the balance with your last statements, and ask how interest after charge-off was calculated.
- Check limitations. Texas generally allows four years to sue (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debts in Texas (Tex. Fin. Code § 392.307). The states where the firm practices have their own deadlines.
What Patenaude & Felix Can and Can't Do
Lawyers who regularly collect consumer debts are "debt collectors" under the FDCPA, including when they litigate (Heintz v. Jenkins, 514 U.S. 291 (1995)); see collection law firms as debt collectors.
- It must sue in the judicial district where you live or where you signed the contract (15 U.S.C. § 1692i).
- It may not threaten a lawsuit its client has not authorized or does not intend to file (15 U.S.C. § 1692e(5)).
- Letters on law-firm letterhead may not imply attorney review that did not happen (15 U.S.C. § 1692e(3)).
- If you are represented by a lawyer, it must contact your lawyer, not you (15 U.S.C. § 1692c(a)(2)).
- It may not collect amounts, such as attorney's fees, that the contract or law does not authorize (15 U.S.C. § 1692f(1)).
Learn more on our FDCPA attorneys page.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Patenaude & Felix or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- Patenaude & Felix: home page
- Patenaude & Felix: About Us
- CFPB enforcement actions search: Patenaude
- CFPB Consumer Complaint Database: Patenaude & Felix A Professional Corporation, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Patenaude & Felix has violated any law. Company details change; tell us if something here is out of date.