Palisades collection-Consumer complaints and tips to deal with the CA

Hi,
I just got a letter advising me that this law firm represents my creditor (Palisades Collection LLC of HSBC) which is the recent purchaser of my account. They alledge me that I owe a referenced balance amounting to $1446.33. I don't know what HSBC is. They sent it to my address but they got my name right except for my middle initial is wrong. I don't know how they got my address. Any suggestion on what I should do?

Need information on account and address to pay

I have been harranged since 2005... Palasides stating I had a collection billing for 2004 in a town I dont even live in!! The bill is for 3 hundred some odd dollars (dont have it on me). It not really just the money, it is a REALLY BIG principle here. I have never in my life had AT&T or Palisades as a debtor. I have never had an account with either, ever. Why are they connecting me to a phone acct with AT&T?? I have called the number they have called the phone number, I am being sot after for, and it is a weird toned busy signal. I also am researching the address listed for said billing and it is a business complex where they stated a "Paula Johnson" aquired service thru AT&T. They have the correct last for digits of my SS #, they will not tell me the other digits they supposidly have. I have never lived at the bogus (strip mall/business complex) address they give listed on the AT&T billing. The address isnt even in my town of residence. Interesting, I contacted them, nicely, at the first notice I received. They acted like oh so sorry, let us get you out a fraud report to fill out... well, I said how can this be fraud, I am not having any other issues!! They said they would send me out a one anyway, and that I have to go to the police and report it etc. I explained to them, nicely, that they have the wrong name connected to that phone, I believe. They said no, that they have my SS#, surprized I asked what it was, they said well, we cant give that out, so they asked me and I told them the last 4digits. They then said that that was correct!! I was amazed, how did they get that?? I then asked them for my moms maiden name , they didnt have that!!! I called AT&T and I asked them, they "cheated" and looked me up, and said they did not give them that SS# as those digits were different than what they had. I called back, and told them what AT&T said, but palisades was having no part of it, they said they have the right one. What BS is that??? Okay, knowing these people must be just having fun, basically enjoying there ability to harrange innocent citizens!! Later...... I send them a letter to clarify that it is not my bill, and re-enerated to them that they have the wrong person. Then.... never heard from them for MONTHS, Never sent me a fraud report to fill out or anything.... what I got was a letter stating I wanted validation of my bill, in which they sent me a statement from AT&T... no signature nothing else, just had a name, simalar to mine (as I always use my middle "two " initials with my name, on all matters). In this letter with it , they send a fraud form for me to fill out. THIS FORM WANTS MY FULL SS#, DRIVERS LICENSE???? How scary is that, noooo I wont give that to them. ... ah ok, so I see some ideas here but, my point is; why do I have to go through all of this for a bogus debt??? I can prove I am an upstanding citizen, my credit report shows I am a good, on time payor with all whom I have dealt with thus far... over 45 years, and I can prove where I have lived, as I own my property!!! This is frustrating and I feel sick from it!

I've been dealing with a supposed debt from Verizon from over 6 years ago. I received a random phone call asking for payment, I requested proof in writing of the debt. They sent it to an address that I haven't lived at in over 10 years, rather than the current address provided. They then immediately hit my credit report rather than giving me the 30 days to review, what seems to be against the law.

I have called Palisades every day for over a week, sitting on hold for 30 minutes + each time, never reaching anyone. Ridiculous. I've faxed as well each day requesting a phone call, no response. I'm trying to buy a house and am told that the time and trouble to continue to dispute the debt is not worth the $115 to just pay it. But I can't get them on the phone to settle it in writing and send the certified mail & check. I'm frustrated and at a loss for what to do.

It was disturbing to read the karma police acting as if requesting validation was basically uncalled for. Should we then just trust anybody on the other end of the line that wants money and our credit card #? Apparently he has never been victim to agencies who are falsely claiming debts and harrassing people. I suppose karma will take care of that right?

I'm fixing to get papers served on me from Palisades collection. I've seen were they have filed papers but it doesn't mention the amount or anything. At this time I'm avoiding the papers. I don't have a job and go to school full time. Anyone have any suggestions on what I should do?

I recently checked my credit rating with 3 agencies and was unpleasantly surprised to find one bad mark from Palisades Collection Agency on all 3 reports. This company is claiming that I owe over $500 for an old ATT account. I have never had an ATT account and all of my other accounts are and always have been in good standing. I disputed this with Experion and got a letter this week that said they had validated the claim and had not removed the item from my credit report. I am now going to take the advice from this bulletin board and approach Palisades directly for validation of the claim. I spoke to someone from Palisades (it was a miracle that I actually was able to speak to a living breathing human) on the phone today who found my account number so that I could properly reference the claim and this person quoted my current home address to me. This leaves me with the suspicion that this is fraud. But it also begs the question that if Palisades Collection Agency have my address, then why have they NEVER sent me ANYTHING to chase this claim which is at most 2.5 years old (based on the last time I checked my credit rating and this was not there). I will need to refinance my mortgage at the end of the year and am very concerned that my credit score may impact my ability to secure the rate that I should be able to get (esp with all of the current problems in the subprime mortgage market). Lastly, I am wondering if there are any reputable legal firms that will take on a case like this and take payment on the basis of a win? or are they all fee based regardless of the outcome? thanks for any advice you can provide.

I have a money order to pay off my account for Palisades collection in the amount report on my
credit report. The account is 521**** from the credit profile. Please verify this information so that I may mail it and please explain to me the process how you are going to remove it from my credit so that I it won't be on my credit report and approximately how long it will take to remove the collection. You can reach my office 619 327 **** or home 619 266-**** or email me *** I have the check with me and would like this done in a timely manner. Thank You for you time.

Phone number and email address removed for your safety - Mike

margarita- you need to contact palisades collectin agency to verify the information you requested, we have no acess to your account with them nor are we affiliated with them

I've had my credit report hit too with no justification and is negatively affecting my credit. After reading all of this, can't somebody do something to show that this company is operating fraudulently??? I feel helpless, but seems like we should all stand together and continue to go after them.

What can I do to stop this? Palisades bought my account from Providian and now trying to garnish me after this has been written off by Providian.

I have had perfect credit for years. I worked hard after my divorce to clean it up and pay everything current. Now a thing pops up on my report from Palisades. I have never heard of them and no clue what this is. They say a Verizon account. I have not had verizon in over 5 years. I want to dispute this. They have never mailed me anything. I do not even know the number they are referring to. Does anyone have a fax number for Palisades?? Or how to disupte this? E-mail removed for your safety - Mike

Palisades is trying to get money out of me for a motorcycle that as far as I know, I am still paying Kawasaki for. I have not heard from Kawasaki and have not had any returned checks. They want more than the existing balance on my bike, and more than I even paid for the bike to be truthful. Can someone please give me their number or a way of contacting them, Please.

Palisades sued me in Oct. of 2006 for $1500 for an alleged debt with ATT. I never had an acct. with ATT. They tried to serve me at an adress where I had not resided for ten years. I knew that the statute was only for four years in FL. I sent them five registered letters over a six month period. They never replied to any of my inquieries. I went to court in Jan. and I was told by their local lawyer that he did not have the info I requested and he would send it soon. I never heard from them. I went to court again on May 2,2007 and I was informed that the case was dropped. All I can say to you all is that you must fight them and GO TO COURT. They win most cases because people don't show up and they get a default judgement. They are running a nationwide scam! joe fish, Fla.

is there a number so i can call cuz i cant seem to find one? im actually trying to pay what i owe!

i too checked my reports there are four accounts from palisades for att and ztel i clled and told them they were not my accounts address far from me they said the last four numbers matched. and from the year 2000-2003 i said they are not mine the guy got really hateful told him to send proof such as dl ect he said utilities dont have these kinds of records.

Please e-mail your mailin address


Regards
Personal info removed. Cajunbulldog