Collection Agencies and Creditors

Palisades Collection, LLC collecting for wrong account

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Posted: Mon Dec 19, 2005 12:48 pm Post subject:

Hi CC Welcome to the forums. Do not give your personal information like the SSN# to anyone about whom you have never heard before. If Palisades has your account, they must have this information as well. Your SSN# can be misused if it falls in the wrong hands. Besides, Palisades has lots of consumer complaints in this forum as well as when you search for them online. Know your rights, never talk with a collection agency on the phone. Send them a debt validation letter and ask them to prove that they are having you as the right person to be contacted. They should give you the complete details of your accounts (if it is a valid one) after verifying with the creditors. Check your States laws for their license and bonding info. In the meantime, do not give them any of your info. Send your mail certified with Return Receipt Requested. They are required to respond within a reasonable period of time. If they don't, send a letter the CRA saying that the collection agency has failed to give you the information you requested. Make them go away this way. Regards Roxette _________________ Debtconsolidationcare offers free counseling and help, please avail the services before taking any major decisions.

roxette
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roxette

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Posted: Wed Dec 28, 2005 10:01 am Post subject: palisades collections llc

does anyone have there phone number? They have just reported someting on my credit report that it unheard of and i have no way to contact them _________________ Register today to encash debtcc points.

prinezell@yahoo.com
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Posted: Wed Dec 28, 2005 2:12 pm Post subject:

Here is the address to contact Palisades Collection agency. It is very important to contact the company in writing regarding your dispute. Send your letters certified with return receipt requested. You will have proof of all your actions taken. Address: 200 South Executive Drive - 3rd Floor Brookfield Wisconsin 53005 U.S.A. Phone Number: 866-877-0008 You can also place the item on dispute with the credit bureau. They will contact the agency and after your dispute is found valid, your CR will be updated and you will receive a free copy at your mailing address. Best of luck! _________________ Debtconsolidationcare offers free counseling and help, please avail the services before taking any major decisions.

roxette
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roxette

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Posted: Mon Jan 09, 2006 11:43 am Post subject: jerks

I am now dealing with Palisade who apparently purchased a dept from AT&T that I feel is wrong. This palisades people are rude and don't want to hear anything that might prove your case. I don't have the time to explain but they are a-holes _________________ Register today to encash debtcc points.

b
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Posted: Mon Jan 09, 2006 11:51 am Post subject:

Roxette, The address you posted, is that their corporate office. I can't get past a supervisor to make a complaint of the way I have been treated. He gave me an address of Bethleham Pa. Thanks in advance. _________________ Register today to encash debtcc points.

b
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Posted: Mon Jan 09, 2006 12:54 pm Post subject:

Palisades Collection, LLC has extended its business by acquiring another collection agency located in Bethlehem, PA. I contacted the company at this address while dealing with them Palisades Collection, LLC 87 South Commerce Way Suite 70 Bethlehem, PA 18017 Northampton County Ph: (800) 873-5648 / (866) 230-8075 Hope it helps to you too.

david
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david

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Posted: Tue Jan 10, 2006 9:13 am Post subject:

Thanks David, I do have that address, I was hoping to find a corporate office to bypass the Bethlehem office. I don't want the guy I'm making a compl. about to get the notice and trash it. Tks again. _________________ Register today to encash debtcc points.

b
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Posted: Wed Jan 11, 2006 8:57 am Post subject: Palisades address

Palisades Collection LLC P.O. Box 1244 Englewood Cliffs, NJ 07632-0244 The above address is the one I used since I had to write and tell them they had made a mistake. I found a complaint filed with them at the Better Business Bureau. Thanks to everyone who answered my post. Take care, CC _________________ Register today to encash debtcc points.

CC
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Posted: Thu Jan 12, 2006 1:37 pm Post subject:

Palisades Collection, LLC wrote me a letter, which I received today stating that they received my validation request and are getting the paperwork together for me and it may take up to 90 days. They stated that they purchased account from AT&T and as assignee, they have all the rights, title, and interest of the assignor. Okay which is it, did they purchase it, or were they assigned it? seems like words out of both sides of the mouth here. shirley

imkimssister
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Posted: Thu Jan 12, 2006 1:55 pm Post subject:

Shirley, review the framing of words Palisades used in their letter. If the account is sold to them by AT&T, it will be clearly stated at the beginning of the letter. Most of the collection agencies have the legal rights to add further charges to the accounts. Basically, this is done to meet the costs accrued till this time they established a contact with you. Read the original agreement with AT&T and confirm whether a collection agency further holding your debt is allowed to add charges on the total debt. Also, permissible charges can be added by the collectors as per the statutes in your state. Check the state laws or visit the consumer protection office and know the legal permissible charges allowed in a particular debt by the collectors.

john
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john

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Posted: Fri Jan 13, 2006 11:34 am Post subject: Validation letter

I a in a similar situation with palasades. I first number given by roxette, then was forwaded to 2 other numbers. Finally, they told me they did not have the AT&T accounts yet, but they should have them next week. Anyhow, I will write a validation letter to the WI office, but I am not sure what to include. Should I just put my name and account number? Is there a specific format or form I should use? _________________ Register today to encash debtcc points.

Brett
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Posted: Fri Jan 13, 2006 12:49 pm Post subject:

Hi Brett,

Welcome to the forums.

Understand the legal importance of writing a debt validation letter before you send it to any company. Some of the points that need to be included while framing your letter are mentioned in the link below:

http://www.debtconsolidationcare.com/validation.html

Couple of points mentioned in the link are not necessarily required to be produced by the collection agency. But it can be given by them if you have requested for it. Ultimately, the debt validation details given to you by the company should represent the actual status of the account and prove its authenticity. You have the rights to refuse payments till all the disputes have not been fully resolved.

Here is a format you can use to send the DV letter to the company. Tailor it according to your requirements if needed.

Quote:

Date

Your Name

Name and Address
of original creditor

Re: Acct # 000-000-000-000

To Whom It May Concern:

This letter is regarding account # 000-000-000-000, which you claim I owe. This is not a refusal to pay, but a notice that your claim is disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting "validation"; that is competent evidence bearing my signature, showing that I have some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports from your company or any company that you represent for a debt that I don't owe is a violation of the Fair Credit Reporting Act; therefore if you cannot validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

If you no longer own this debt, remove the derogatory marks from my credit report per the FCRA. Failure to respond within 30 days of receipt of this certified letter will result in legal action against your company. I will be seeking a minimum of $5,000 in damages for:

Defamation
Negligent Enablement of Identity Fraud
Violation of the Fair Credit Reporting Act

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Best regards,

(insert your name)

Cc: (Insert a lawyer's name here), Esquire

It is your legal right to dispute any item on your credit report, for any reason. If documented proof that discredits your dispute isn't provided within 30 days, it MUST be removed by law. This is why it is so important to send the dispute form via certified mail. Not only to insure its delivery, but to have documented time of when it was sent.

Regards
Roxette
_________________
Debtconsolidationcare offers free counseling and help, please avail the services before taking any major decisions.

roxette
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roxette

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Posted: Sat Feb 04, 2006 6:10 am Post subject: Validation letter

Hello...I've been reading this thread and it has been very helpful since I also have an issue with Palisades Collection Agency, LLC. This may be a stupid question but how do I get my Palisades account number since my credit report leaves out the last 4 digits? Unfortunately, today is Saturday and the CRA is closed. Thanks for all of your help!! _________________ Register today to encash debtcc points.

Steve05
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Posted: Sat Feb 04, 2006 9:44 am Post subject:

Here is the address to contact Palisades Collections. Palisades Collection, LLC 87 South Commerce Way Suite 70 Bethlehem, PA 18017 Northampton County Ph: (800) 873-5648 / (866) 230-8075 Call them and request for your account information. They should be able to verify its details and give you the required information. You can also request them to send an itemized statement.

david
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david

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Posted: Mon Feb 06, 2006 10:34 am Post subject: What's SOL stand for? Palisades Collection LLc ?

What's SOL stand for? _________________ Register today to encash debtcc points.

ZdoubleO
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Posted: Mon Feb 06, 2006 11:01 am Post subject:

Statute of limitations (SOL) determine whether there is a need to pay a charged off account. If the statutes have expired, you are under no obligation to pay it. However, it will remain in your credit report for a period of seven years as per the FCRA laws. You can unburden your debt if you are aware of the SOL period in your state. It is calculated from the date of last activity in your account and if the statutes as per the state laws have expired, you can legally escape from paying it. Collectors wait for you to make an activity in your account. Even if a particular account has gone out of your credit report, they wait to see you making an activity on it so that the collections can be brought back in legal terms. This account will again get reflected in your credit report and you will have no way but to pay it off. Expiry of the SOL does not stop the collection agency or the creditor from collecting the debt from you. You will have to show your defense by mentioning the expiry of SOL. In case, the creditor sues you and you fail to prove your dispute of the expiry of the SOL, you might have a lost lawsuit and a valid judgment against you.