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i am sick to my stomach!! this company last year froze my bank account in an attempt to recover money on that was owed,the original account was for a credit card account of 500.00 i have been paying 100.00 per month for the past year on an account that still has a 1700.00 balance.and when i asked them to settle the account because the amount owed far exceeded the amount paid i was told no by law firm weltman,weinberg and reiss in pittsburh pa

First, is there a formal "Dept Validation Letter formate"? Second, what does CRA stand for??

Therer is a sample of a debt validation letter in the do it yourself section of the forum.

Name: Palisades Collection, LLC
Phone: (201) 567-5648
Address: 210 Sylvan Avenue
Englewood Cliffs, NJ 07632
Original Business Start Date: May 1998
Principal: Mr. Gary Stern, Manager
Customer Contact: Mr. Seth Berman, Esq.
Entity: Limited Liability Corporation
Incorporated: May 1998, DE
TOB Classification: collection agencies, Business Opportunity Cos.
BBB Accreditation: This organization is not a BBB Accredited business.

Name: ASTA Funding
Phone: (201) 567-5648
Address: P.O. Box 1123
Englewood Cliffs, NJ 07632
Principal: Mr. Seth Berman, Esq.
Customer Contact: Mr. Seth Berman, Esq. - (201) 567-5648
File Open Date: June 2003
TOB Classification: Consumer Finance & Loan Co.
BBB Accreditation: This organization is not a BBB Accredited business

Asta Funding, Inc

Arthur Stern, Chairman
Gary Stern, President and CEO
Mitchell Cohen, CFO
Mary Curtin, Vice President of Operations
Nan Beilinson, Vice President
Rob Knight, Vice President

If you would like additional information about the Company, please contact Stephen Axelrod or Donald Weinberger at Wolfe Axelrod
Weinberger Assoc. LLC, 317 Madison Avenue, Suite 515 New York, NY 10017, (212) 370-4500, (212) 370-4505 FAX,

I have been trying for 4 months to get a overpayment refund from palasades collections compannt they will not answer my calls. My debt has been paid off since october 2007 i am in the process of seeking a lawyer. This is a fraudulant company that steals from people.

How much have you overpaid this company? Did you report them to the BBB and your AG. The cost of a lawyer may well excede what your refund should be.

Palisades collection also purchased a debt from AT&T that was in my name. The company promised coverage in an area where there was none (the new area I moved to) and I returned the phones. The agent (at a costco type place) said he would let me out of the contract and gave me the paperwork. (this paperwork was later lost in a fire.) THREE years later (after the statute of limitations had run out for collection in NH, Palisades decided to try to collect- via the court system. I found this address today because I knew someone who attended court a couple of weeks ago and my name was called- on behalf of palisades- who requested an arrest warrant be issued. And it was. I never received any statement, nothing from them. I also contacted my family attorney immediately after they called and threatened me and he said "don't worry about it. It's been more than three years."
Since I missed the court date, now they have their judgement, and I either pay or apparently go to jail. Guess I should have found this site earlier. I was just looking for their address. Bunch of freakin snakes. Evil or Very Mad

The address on my credit report for 2007 is:
Palisades Collection
210 Sylvan Ave
Englewood Cliffs, NJ 07632-2524
(800)991-9367

MDH, that is a correct address, out of the many that they have.

i went to court about a debt i owed and i told them i been paid it years ago, so i went to court the second time the lawyer that represented them said they were dismissing it, i got my paper stamped saying it was dismissed,its still on my credit report, i even disputed it with experian. i lost the paper i had saying it was dismissed. can i get a copy from the courts somehow,because palisades isnt helping me.

Just go to the circuit court (or small claims depending on what court type it was tried in to begin with) clerks office and request a copy. There may be a processing fee but it should be minimal.

Send them a copy of the document when you receive it and keep your copy for your own records. I would recommend utilizing some type of filing system for important documents such as these.

i pulled my credit report to find a bill be handled by palisades as well but to my surprise the bill belongs to my ex-husband in another state. They say I still have to pay it. And there current number is 1-800-873-5648. They said no use disputing it because he was my husband but the bill was after our divorce, Any suggestions?

If the bill was after your divorce, and your name is not on it, you have no liability and they are violating the Fair Debt Collection Practices Act. They have no business discussing this debt with you, they are trying to get you to pay a debt they know is not yours.

Here's what I'm going to suggest you do. Send them a cease communications letter to them (telling them not to contact you at all) send it certified mail, return receipt requested. Then file a complaint with your state attorney general's office as well as the Federal Trade Commission.

My interaction with Palisades hasn't exactly been pleasant, but to be fair, it hasn't been awful, either...Until recently. I knew that the AT&T bill was mine from those bad bad college days, and have been working to get it off my credit report. Palisades agreed to let me pay it off in two payments, over two months. I've paid one, and happened to check my credit report again and noticed that on one reporter (Transunion), it's stated that over $300 more is due than on the other two (Experian and Equifax). I called Palisades and they said that this new number is correct and that I will need to increase my payment. This rings of outright fraud to me, but am looking for any other ideas on what could have happened, and how to deal with it.

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