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oh and what is the ACA and what is an ITS?
thank you!

Sorry....I've been doing this so long that I think in acronyms now:

ACA= Association of Credit and Collection Professionals (yeah! Right!)

http://www.acainternational.org/

ITS= Intent To Sue

Okay thanks for that, now of course I have another question!

If I send an Intent to Sue and a complaint, what exactly do I send? Do I go down to small claims, pick up whatever forms I need, fill them out, copy and mail a copy to them BEFORE filing? Or do I have this completely wrong? I just want the quickest, most complete, and FINAL solution possible.

thank you!

Depending on what court, most forms are available on-line. Or you can go to the courthouse and ask the county clerk. Like I stated earlier, give it one last go with the CRA's before sending the ITS. If they do not correct the trade line, then send the ITS. I would write something along the lines of:

This is a copy of the suit I will be filing with such and such court.....if you do not correct(delete) the tradeline with all 3 CRA's....w/in 10 days from receipt.....the next correspondence will be in the form of a summons......

Just have all your documentation in order and all your ducks in a row.

Caution: CA's receive these all the time and then nothing happens. They don't comply and the consumer never files. If you go this route, FOLLOW THRU.

Just sent you a PM

thanks, one is back to you in yours!

I have been recieving a call from FMS/ Palisade Collection agency. When I first recieved a call I called back and a recording wanted me to give my SS# so of course I hung up. I rescently called back. I was able to get a hold of a person. They had been calling me to see if I knew of a Carol Parker someone I don't know. I don't think this is a reputable company. So just be careful.

I recently sent theses idiots a certified letter asking them to send me proof of the account they (say they Purchased) from AT&T. They sent me a letter with a fake account number. What steps can i take to get them off of my credit report? They even had the nerve to take me to court for this, i was out of the country at the time.So now i have a bad credit rating, and at&t is no help either. They say i never had this account with them but dont want to give proof.

I got the goodwill letter and attachments that I sent to AT&T back in the mail today, the address that the jerk at AT&T gave me was wrong.
He gave me:
101 W Broadway
San Diego, CA 92102.

I looked online and could not find one, although I did find the CEO's name was Randall Stephenson. I guess I could email him but I have the attachments to provide as well.

Does anyone have a way to get the correct mailing address for AT&T?

I just went ahead and mailed the goodwill letter and documentation to AT&T's payment address. Probably will get round filed but at least I know I mailed it.

Back to Palisades ...
It has been a couple of weeks since I sent the goodwill letter to them, no response to date. I did notice something on my Experian report that I have a question about. Under comments it says "Election of Remedy-reported by subscriber" ... what in the heck does that mean?

and under the 24 month payment history it is blank except for a "KD" in the July 2008 square ... does anyone know what that means?

I'm looking thru the Metro 2 Manual and the only reference to Election of Remedy is under the special comment codes for Closed(Temporarily or Permanently). Can't find the KD notation. PM me your e-mail and I'll send the CDIA Metro 2 Manual to you. Maybe you can find something. Failing that...call the CRA and ask.

Okay another chapter in my Palisades Drama.

I just spoke to a very nice, helpful woman at Equifax. I explained about sending in the proof regarding a letter from Pattenaude and Felix on behalf of Palisades Collection LLC. She apologetically explained that they COULD NOT accept the Pay In Full letter from Patenaude & Felix because it was not written by Palisades or on Palisades letterhead. What in the heck do I do now?

She suggested that I dispute the entire debt based on "fraudulent charges" in that the person at Patenaude and Felix that I talked to said that I actually owed "fees" that they just "wrote off" for me, and that was why my debt could not be considered Paid in Full. So now I have ANOTHER dispute, but as this was JUST Equifax that I talked to, I'll also need to dispute with the other 2.

Problem ... if I just say "forget the dispute" and threaten to sue, I don't HAVE the money to sue. And I agree with not threatening if I'm not really going to do it. So what do I do?

Since we are all having problems with palisades and AT&T can we have a class action suit against both companies to settle this problem?

i would like to be part of that lawsuit!

here's my update today on this ... Equifax's report confirmation was emailed to me today (6 days after disputing Palisades based on fraudulent charges) and it WAS SUCCESSFULLY REMOVED. So now I need to dispute based on the same thing to the other 2 credit bureaus, and HOPE for the same result!

smo65d11 - How did it go with the other CRA's?

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