Palisades Collection is not cooperating!

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?

I wrote the collection agencies and disputed a Palisades Collection account entry on my credit reports but all 3 CR's wrote me back stating that Palisades claimed that debt was valid. It's really weird because they collected the same exact amount from me 3 yrs ago but now are calling it BankFirst instead of AT&T. And, they have not called or written me regarding this entry. I've been advised to seek legal advice because I'm trying to purchase a home. Should I send the letters myself or just get the Lawyers to do it? I have a legal plan benefit from my employer.

I was shocked when I went to my mail box today to see that I got a hearing notice from a place I have never heard of. I typed in the name to find out who is palisades and to read these complaints even more shocking. I have to go to court for something I know nothing about. Most of the notices have to do with AT&T if thats the case why do I still have an account with them and several wireless accounts since cingular switched. I don't know what to do court is not my thing nor is it anyplace I want to go. Can anyone help me any advice as to what i should do.

First off call the court house to make sure it is a real lawsuit. Second, who is the attorney representing Palisades? What state do you live in?

Cerified Letters are better evidence than a fax confirmation, but it is false to say that a dated letter sent by fax and a fax confirmation are not acceptable proof of the letter in court. Copies of letters and faxes are all evidence. As the Act only permits damages for technical violations of up to $1000, you are looking at Small Claims Court and arbitratration (which has much less strict rules regarding evidence). I have had twoBS claims sold to collection companies by phone companies. The "verification" process results in a print-out showing AT&T or another phone company sold a claim for that amount and maybe an account number and address. It will not have the details of the basis for the charge. I called the collection agency, disputed the charges over the phone and explained why I was not responsible for them (this was a pointless exercise in terms of making progress toward the agency removing the items). Then I wrote a detailed letter explaining why the charges were not mine and explaining the technical violations of the Act (failure to provide the address of the original claimant, the basis of the charge, etc. I cited to the specific sections of the act as well. Then I conclude with a demand that the agency remove the item from my credit report and drop their claim or I would proceed with a claim under the act for the maximum of $1000. I mailed the letters and immediately filed a suit in Small Claims for the $1000 (you may have to go to the secretary of state's website to learn where to serve the claim if the agency doesn't have a physical presence in your state). In both instances I received a phone call from the attorney for the agency apoligizing and agreeing to remove the claim from my credit report if I agreed to dismiss my lawsuit. This is the ONLY way I've found to get anything done. I also then have to repeatedly mail/fax the agency letter to the credit agencies and argue with them to actual remove the reconrd, but that's a story for another post.

David, I read your notes and I am taking your advice, I'll keep you and the rest of this board updated

ATT years ago decided to stick me with $52.66 in charges when I switched to t-mobile (t-mobile has great cust srv btw)

It was like ATT saying "hey I bet if we stick this guy with $52 in charges he'll pay it rather than deal with credit agencies

I pay my bills in full each month but refuse to let them stick a gun to my head b@stards!!

Now after Pallisades sold my bad commercial paper to a company in NYC called Law Offices of Mitchell NK 7 Penn Plaza NYC 10001


Phone: (800) 509 1074

I called and spoke to the swami in India

After I very politely told them I'd not be paying over the phone they then instantly dropped my bill "to completely remove the charge from my credit" immediately from $52 to $26, I again politely refused (notice $52 / 2 = $26 food for thought) and countered with I'll give you $5 just to save the hassle of mailing the letter

My old girlfriend used to buy and sell commercial paper (bad debts) and she told me she'd routinely collect only about 30% of the debt owed meaning some paid in full other paid partial or nothing .....again food for thought, you might consider just offering a partial payment for the full amount if you just want to settle, it's like this whole credit scandal we're in now with the bad mortgages, the lenders will sell off the loans and new credit agencies will collect what they can each paying less and less for the bad accumulated debts

I imagine Pallisades bought my bad credit for 15 to 30 cents on the dollar from ATT or whomever ATT passed it along to

BUT NEVER PAY THE FULL AMOUNT BEFORE TRYING TO NEGOTIATE IT DOWN!!

You're gonna love this....they are calling my house and asking for a person who I have never heard of. I listened to message today and even picked up. The recording kept going and giving a case number. The jokes on them. How much of a group of idiots are they. They have the wrong person and WRONG number. I will not call them back!!!!

You're gonna love this....they are calling my house and asking for a person who I have never heard of. I listened to message today and even picked up. The recording kept going and giving a case number. The jokes on them. How much of a group of idiots are they. They have the wrong person and WRONG number. I will not call them back!!!!

If they are asking for someone who you do not know, they probably just have a wrong number. If it was me, I would answer and tell them exactly that, that they are not calling the right place and that you have no knowledge of the person they are looking for. But do not give them any information, make them tell you what name and address, date of birth etc that they are looking for, and you can tell them yes or no. You don't want them to plug your info into their system.

I'm writing about (Powersafe Collections AKA Palisades Collection LLC).

What they are doing [buying null and void or already paid off debt for pennies on the dollar and then trying to collect using harrassment and intimidation] is illegal. [Hence the lawsuit - which Im sure is only one of many]

I May of 2008 I became part of a class action suit against Palisades [07-1398, Bettye Barker and others -vs- Palisades Collection L.L.C]. in May of 2008. It is not legal for them to even TRY and contact me. I have reported them to the Federal Trade Commision with the above information and suggest everyone does the same. It is very quick and easy.

I have found a way of blocking their number using "Selective Caller Rejection", you might do an internet search on that and adding your mobile or telco to see if you have that feature available to you. Usually it is *60 (wait for tone) and then 866-230-8075.

Thanks for your website!!

The people do not cooperate period.

They purchase old debt which is null and void or which has been paid off to another unscrupulous collection agency (who didn't clear their books in order to resell the debt). It is a scam that you think could only happen in 3rd world countries.

Contact the Federal Trade Commission via their website and file a complaint. There are many complaints against them and adding yours can only help!

Palisades aka Powersafe aka Powellstate (all the same - funny how they make the names sound similar) are in the middle of several lawsuits. Google their phone number 866-230-8075 for more stories.

I have no idea why our government is allowing this to happen! Especially in this economy.

You may contact the United States District Court Clerk, Michael Milby and reference lawsuit 07-1398, Bettye Baker on behalf of herself and others -vs- Palisade Collection LLC. and see what can be done.

Holy cow, do not pay them AT ALL!
It is likely your debt is old and non-collectible or paid off. contact the FTC.

How is it illegal? What makes it null and void? An unpaid debt is an unpaid debt. Collection on an unpaid debt is not illegal unless there is a federal stay of Bankruptcy or you live in one of the 2 states that have a Statute of Repose (MS & WI) which extinguishes the debt when the SOL expires. If they are violating the fdcpa, sue them yourself, forget class action.

Legal? Apparently they don't care and no one is in our government is will to follow through.

"Palisades was a key player in a long-running scheme with a multi-convicted criminal named Orazio Lembo. He would pay bank employees from Bank of America, Commerce Bank, Wachovia, PNC and several others for personal information, including the social security numbers, of account holders. There were more than 675,000 names in all. Palisades, aka Asta Funding, disguised as a New Jersey law firm named Pressler & Pressler, bought the stolen information, along with several other collection firms, and then used it to harass these people for outdated debts"

Google the first sentence of the above article to find the full news story link

What makes a debt null and void? When it is fradulent, paid off, or they are harrassing you when you are in litigation with them... If you are sticking up for Palisades you're on the wrong team buddy! They are proven criminals with lawsuits pending in most states. I spoke with the Federal Trade Commission last Friday and they are re-opening old complaints due to the amount of recent ones.

They are called "junk debts" and certain bottom feeders buy them to collect on. Most of this paper debt is worthless because it is manufactured, missing vital data, or past the SOL. Most collection agencies are legit and don't need BUY DEBT to make money. That said there are a few like Palisades who are the scum of collection agents, using harrassment and intimidation to collect debt illegally. I am hoping when the FTC and the news media broadcast these claims (and there are a group of us trying hard). No company in their right mind will want to touch them for fear of bad Public Relations and Palisades, Powersafe, etc will die in this tough economy. I urge everyone to post their experieces with this company everywhere they can on the web. Its a tool that won an election, it can do much more than you realize! (contacting the FTC and filing a complaint on line will help us all of us as well)