Patenaude & Felix

Updated

Is Patenaude & Felix hurting your credit score?

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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?

Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(While debt collectors may not want this information to be widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

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?

It’s best to avoid speaking to a debt collector on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.

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

Most collection agencies have numerous complaints filed against them 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 the ability to dispute credit reporting errors and to be 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. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • Patenaude & Felix may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Patenaude & Felix must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
  • Patenaude & Felix cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Patenaude & Felix From Your Credit Report Today!

Credit Saint can assist you in disputing Patenaude & Felix collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.

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