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Richard, Attorney
Category: Business Law
Satisfied Customers: 55608
Experience:  32 years of experience practicing law and a businessman.
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I received an e-mail from Jonathan Felix from the Felix & Son

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I received an e-mail from Jonathan Felix from the Felix & Son Law Group located in Houston, TX regarding a payday loan that I defaulted on. The correspondence states that there will be a case against me download to court tomorrow, July 2, 2013. The allegations are:
1) Violation of Federal Banking Regulation
2) Collateral Check Fraud
3) Theft by Deception
4) Habitual Offender (who takes money and never repays it back)
5) Cyber Crime (Wire Fraud Conspiracy)
6) Misappropriation of Funds
7) Intentional Fraudulent
According to the e-mail and wire fraud each carry a maximum of 20 years in prison and a $250,000 fine. This seems excessive given that the original loan was for approximately $250.00. Additionally, I live in New Jersey where these loans are illegal.

Should I be concerned?
Welcome! My goal is to do my very best to understand your situation and to provide a full and complete answer for you.

Good afternoon. No, you should not be concerned. This is just a law firm acting in the role of a collection agency. This email violates both their canons of ethics and Federal law. So, not only should you not be concerned, you should raise the stakes on them in getting this to stop. Send them a certified, return receipt requested letter explaining their actions violate Federal law and demand they immediately cease and desist all further efforts to contact you and/or anyone else to collect this debt. Inform them that any efforts to do otherwise will constitute a violation of the Fair Debt Collection Practices Act and that you will report each and every violation to the Federal Trade Commission. Each violation carries at least a $1,000 fine. Inform them also you will be filing a formal ethics complaint with their state bar association due to their actions. This should put an end to any pursuit of you.

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Thank you so much for the positive rating! I appreciate having had the opportunity to serve you! If I can be of assistance to you in the future, just look me up and I will be happy to help! For easy access, my bookmark is: