Patenaude & Felix APC

What Patenaude & Felix APC does

Patenaude & Felix APC is a San Diego-headquartered debt collection law firm operating as a California professional corporation since 1991. The firm provides legal debt collection, recovery, and litigation services to creditor clients—including Fortune 500 companies and other enterprises—developing mutually agreeable repayment solutions between creditors and borrowers across eight U.S. states (Arizona, California, Colorado, Nevada, New Mexico, Oregon, Pennsylvania, and Washington). It maintains dedicated physical offices in each state, allowing it to litigate and collect under local law in addition to complying with the federal Fair Debt Collection Practices Act.

The firm's core product is professional debt collection and litigation representation, supplemented by a set of consumer-facing digital tools: a third-party-hosted online payment portal (pandf.stratuspayments.net via Stratus Payments), phone and mail payment channels, an SMS messaging service (+1-858-275-7291), email/text opt-in/opt-out preference management, contact restriction removal, third-party representation removal, and CCPA-compliant privacy rights tools. The firm has a bilingual (English/Spanish) web presence. There is no proprietary technology platform, no disclosed AI/ML capability, and no public API; the technology stack is a mix of in-house forms and commodity vendor tooling.

Revenue is generated via fees charged to creditor clients for debt collection and legal services—likely contingency, flat-fee, or hourly arrangements, though terms are not publicly disclosed. Go-to-market is sales-led and relationship-driven, with creditor clients acquired through industry reputation and business development. The firm holds California DFPI Debt Collector License Number 10678-99 and is privately held with no disclosed parent, investor, or external funding.

Name

Patenaude & Felix APC

Legal name

Patenaude & Felix, A.P.C.

Website

https://pandf.us

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

51–100 employees

Short description

Patenaude & Felix APC is a San Diego-based debt collection law firm founded in 1991 that provides legal collection, litigation, and repayment-solution services to creditor clients—including Fortune 500 companies—across eight U.S. states.

Ownership category

akta.pro rank

Product category

Debt Collection Legal Services

NAICS

Collection Agencies (56144)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Legal Collections & Litigation Support (Judgments, Garnishments) (FSAKAJAD)

akta.pro secondary industry

Third-Party Collection Agencies (Consumer) (FSAKAJAB)

Keywords

• Debt collection services
• Legal debt recovery
• Creditor representation
• Repayment solutions
• Consumer debt collection

Headquarters

HQ city

San Diego

HQ country

United States

HQ region

North America

Offices9 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales

Revenue model

1. Debt Collection Services: Patenaude & Felix provides debt collection and litigation services to creditor clients. The firm develops mutually agreeable repayment solutions for creditors and their borrowers. Revenue is generated through fees charged to creditor clients for debt collection and legal services—likely on a contingency, flat-fee, or hourly basis, though specific terms are not publicly disclosed.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels3 records

Core offering

Patenaude & Felix, A.P.C. is a debt collection law firm that provides legal debt collection, recovery, and litigation services on behalf of creditor clients, including Fortune 500 companies. The firm develops mutually agreeable repayment solutions between creditors and their borrowers and supports debtor payments through an online payment portal, toll-free phone line, and mail-in payments, all while maintaining strict compliance with the Federal Fair Debt Collection Practices Act and applicable state laws.

Product overview

Patenaude & Felix, A.P.C. is a debt collection law firm that operates as a single unified service offering rather than a platform-plus-modules architecture. The core service is legal debt collection and recovery, providing mutually agreeable repayment solutions for creditor clients and their borrowers. The firm supports multiple payment channels including an online payment portal (via Stratus Payments), phone payments, and mail payments. Consumer-facing digital tools include email and SMS communication preferences management, contact restriction removal, and third-party representation removal capabilities. The company also provides CCPA-compliant privacy rights management tools for California residents. All services are regulated under the Federal Fair Debt Collection Practices Act and California debt collector licensing requirements.

Differentiator

Problem solved

Functional benefit

Products and services

• Debt Collection and Litigation Services Legal debt collection, recovery, and litigation services provided on behalf of creditor clients (including Fortune 500 companies), specializing in the development of mutually agreeable repayment solutions between creditors and their borrowers while maintaining compliance with the FDCPA and applicable state laws.
• Online Payment Portal Secure external-site payment portal (powered by Stratus Payments) that allows consumers to make online payments toward their accounts at any time.
• Phone Payment Services Payment processing and account inquiries handled via the firm's toll-free phone line (1-800-832-7675) during standard business hours.
• Mail Payment Processing Traditional mail-based payment processing for consumers who prefer to remit payment by physical mail to the firm's San Diego headquarters.

Named customers2 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• IC System: Large third-party collection agency serving creditors across the US. Comparable segment (consumer debt collection) but operates as an agency rather than a law firm.
• Encore Capital Group: Publicly traded debt buyer and collector operating at massive scale. Comparable as a downstream creditor/buyer of defaulted debt, though a buyer rather than a contingency-fee law firm.
• PRA Group (Pra Group, Inc.): Global debt buyer and collector; comparable industry segment but operates at much larger scale and as a buyer rather than contingency legal counsel.
• Transworld Systems Inc. (TSI): National third-party debt collection agency serving commercial and consumer creditors. Comparable industry and customer base but operates as an agency with national scope, contrasting the firm's law-firm model.

Direct peers

• Zwicker & Associates, P.C. National debt collection law firm practicing in creditor's rights and consumer collections. Directly comparable as a law-practice-based collection firm serving institutional creditors with multi-state litigation capability.
• Blitt & Gaines, P.C. Mid-sized debt collection law firm serving banks and credit issuers across multiple states. Directly comparable in being a law firm specialized in creditor's rights recovery.
• Resnick & Louis, P.C. Law firm with substantial creditor's rights and debt collection practice across multiple US states. Comparable in serving institutional creditors with collection litigation.
• Padgett Law Group: Debt collection law firm representing creditors in consumer debt recovery. Comparable in legal-collection focus, multi-state operations, and creditor client base.
• Weltman, Weinberg & Reis Co., LPA: Long-standing debt collection law firm with a similar B2B sales-led model, multi-state coverage, and creditor-side representation. Comparable in practice area, client profile, and compliance posture.
• Pressler & Pressler, LLP: Consumer debt collection law firm focused on creditor-side litigation. Comparable practice model and target creditor base.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Patenaude & Felix APC