Palisades Collection is not cooperating!

What do you need help with? You might want to start a new thread.

i got a bill last year from palisades saying i owed money from a verizon bill. so i asked for validation of debt ... six months later i got a big packet in the mail with all the verification i needed. so i called them agreed to a settlement amount and i'm paying it off and they worked with me for the settlement amount. believe me about 80% of the time it's valid. it's just that its from so long ago that people don't remember. i mean if someone hits you with a bill from 5 or 6 years ago you wouldn't remember. half the time we don't remember what we did last month let alone 5 years ago. but believe me if you ask for it they will send it. also call the company that sold it to them and they can verify it as well even if it is from years ago. believe me they will verify it for you. i just cant wait to pay it off and be done with them.

after reading every other poster on this thread.i have come to the conclusion you are a BOBO for this bottomfeeder.nice of you to drop by so sad you had to run off like all BOBO'S do.

what is a BOBO?

I also have fallen victim to this 'less than professional' company, due to AT&T...I settled my account in 2005 with AT&T (their errors in billing roaming charges), so called AT&T to see if they knew this company or that I still owed...they knew nothing of the company nor my debt...these people got rude, threatening, and were unwilling to even try and resolve the issue...I'm going to turn them over to an attorney and the Arkansas attorney general's office, as well as the Better Business Bureau....hope anyone else isn't having this type of harrassment out of this company, because they need to be put out of business...it might pay a bunch of us to sue AT&T for not taking care of their business properly.

smo.BOBO is a term i use instead of shill or troll on occasion.

Dear Sir:
I recently found out I was being sued in court for an old old debt that had been dissolved by the Nat'l Board of Arbitration. I found out by getting all these letters in the mail from attorneys offering to represent me. I called the courthouse and sure enough they've got me in there this agency vs. me. What do I do now, as the time is quickly moving and I didn't have these folks' phone #, until I came upon your site. So, I'm fixing to call them again and tell them, I've already written them once before telling them that this debt was dissolved by this board and they paid no attention to my letter. Help!

Were you ever served properly? It sounds like you were never served papers so you may be able to get it dismissed due to improper service.

Now if the debt was dissolved with the arbitration forum, you should have some paperwork to that effect? You should fax a copy to the lawyers suing you, and if that doesn't drop the case then take those papers with you to court to prove your side.

Whatever you do make sure you answer the summons, if you never got it talk to the court about it and see if either you can get the case dismissed due to that fact, or get a copy of the summons so you can properly answer it, but honestly you should try to get it dismissed since by law you have to have time to even answer the dang thing...you should find out if they filed that they served you.

what is the EEOC?

Equal Employment Opportunity Commision....way off topic post so I deleted them

Back in 2004 my husband went to a job in Northern NY. (We live in Southern CA) He was going to be there for about 3 mos. We knew that the phone bills between the 2 places was going to be terrible, so I went down to the ATT store to get a cell phone account with a nationwide plan for $69.95 per month. So, my husband tosses the cell phone in his suitcase and hits the airport.

So, during that month we talked on the phone constantly since we knew that we had nationwide coverage. Well......imagine my shock when I open my next cell phone bill and it is over $3500.00!!!! I immediately called ATT to report the error, and was told that the bill was accurate. The rep told me to take a look at the coverage map, and I would notice that there was a teeny tiny area in Northern NY that was NOT covered by this nationwide plan. Therefore, we were charged .25 per minute plus .78 per minute for roaming charges.

They pretty much had me over a barrel on this one, so I asked the rep if there was any way that I could work out a payment plan or something, since I didn't have an extra $3500 laying around. She just rudely told me that either I pay the bill, or they will report it to the credit bureaus.

At this point I was furious, and told her and ATT to %$#@ off and slammed the phone down.

Next thing I know, I'm getting these obsessive phone calls and letters from Palisades Collection. So, I explain the situation to them and I got the same response. "Either you pay the bill, or we will file a judgement against you." They were also not willing to work out a payment plan. So, I refused and decided to just let them do whatever.....I was fed up and just didn't care anymore.

So within about 2 mos I get served with court papers. Palisades is now trying to put a judgement against me for $5000! They are claiming interest and fees in addition to the $3500. Next thing I know, they are hitting my bank accounts and taking every penny they can get their hands on.

I call them again, and ask for a payment arrangement. They refused, but told me that they would settle the account for $1700. I didn't have that kind of money available, so I had to decline the "all or nothing" offer.

In todays economy I've heard that these collection agencies are more willing to work with you than ever before. So, I'm going to call again today and see if they will settle the account for a lower amount. I've got a few bucks saved, so maybe I'll be lucky. Wish me luck!!!!

Have you asked for written verrification of the Debt from Palisades? Don't do anything until you receive that from them!

Well, I negotiated a "deal" with Palisades today. The original ATT debt was for $3500, and after Palisades tacked on their fees and interest, they were trying to ding me for $5000.

We reached an agreement of a $2300 final payoff. I demanded that they fax me a signed agreement before I would give them any credit card information.

I received the signed document on my fax machine within about 30 minutes, so I called them back and made the final payment. They claim that they will be sending me a document in the mail that states that this debt has been fully satisfied.

Trust me, I'll be hanging on to every single piece of paper regarding this "deal". I don't trust them, and I surely don't need them to pop back up in a few years stating that I owe them a single penny.

I'm looking forward to my credit rating getting better so that I can buy a house and refinance my car at a better interest rate. (I'm paying 17% interest right now!) I'm really crossing my fingers that this is the last of it.

I feel bad for anyone who ever has to deal with ATT or Palisades.

I would never again do business with AT&T nor any other company who uses Palisades or is affiliated with them simply because of how they treat people. Yes, there really ARE good, honest debt collectors, but Palisades is NOT one of them.

I'm not sure if this thread is still open, but I pulled my credit report a few minutes ago and noticed that I've got Palisades Collection LLC on there for a collection from a Verizon phone I had while I was stationed in CA. Then there are two more entries for the same account from midland credit management... I was wondering if anyone could tell me why there are three entries on my credit report for one bill? I understand that one sold it to the other, but the date opened on MCM (both) was 03/2006, and Palisades 08/2006. The totals are 694 from MCM and 560 from Palisades. Never heard from Palisades, but MCM has been annoying me for a while.

Any suggestions?

I got my credit report and I too have palisades on mine. It is 100.00 and I have never had at&t, what should I do?