They just reported me to the cr br and i have never recvd a letter or anything. does anyone have an address and couldsomeone please let me know the language to say validate debt? thank you so much

Palisades did the same to me over an AT&T account that I never had. They initially asked me to pay $500 to settle a $1544 claim. When I refused, they sicked their lawyers on me. When that failed, they successfully obtained a judgment against me by knowingly sending the summons to a different address with the intent of keeping me from showing up on the court date. I only found out about the judgment when I was applying for a new mortgage. I hired an attorney and took them on and sued. They backed away and promised to clean up my credit record and nullify the claim (for which they never sent me any legitimate documentation to prove that it ever existed - a violation of the law). As of last week, they refreshed their claim on my credit report. I am livid! This has gone on since the end of 2005. I have a pristine credit record and these vultures are involved in creative extortion. I am seeking individuals who would be interested in a class action against their parent company Asta Funding, a public company which is owned by the Stern Family. Any takers?

[Anthony Lemons]

From the website of Bud Hibbs:

They don't confirm their contact information. I get these calls and it's not for me. I have a good-great credit score, no accounts in default, no disputed charges. A simple directory search would tell them that my phone number does not belong to Mr X. They should be required to include the name of the person they are looking for and to check with the telephone company to see if the phone number matches the person they are looking for.

[cajunbulldog]

Eric if they gave you any name other than yours it would be a third party disclosure violation of Fdcpa.If you do not owe them any money send them a full cease & desist letter certified return receipt mail.Here is an example to go by.

http://www.debtconsolidationcare.com...-cdletter.html

Here is what each and everyone of you should do:

Asta Funding announces quarterly earnings once every three weeks. They are making money hand-over-fist (unethically, mind you). On August 10, they had their "earnings conference call" where anybody (usually it's investors asking about financial details) can call in and speak with the CEO/CFO of Asta (see: phx.corporate-ir.net/phoenix.zhtml?c=116894&p=irol-IRHome).

Next time there is a conference call (probably November), every single one of you should call in and air your beefs to the CEO in front of all the Wall Street analysts that have their heads up the CEO's butt.

That's my advice. I work on Wall Street

[Anthony Lemons]

Thank you Denise for that information, and you are right, people should personally express their past dealings with them.

IVe been hit by palisades too, but now they have sent it to another collection firm
i cant find address for palisades
can you help

[good.nelly]

I have found the following adress

Palisades Collection LLC
210 Sylvan Ave.
Englewood, New Jersey, 07632
U.S.A.
Phone: 210-567-5648

Take care
Nelly

So what did you do when you got the notice? Did you pop on here and start to complain and whine or did you pick up the phone and talk to someone, in a polite manner, to try to determine what was going on? It is very likely that this is your account and the reason it was not paid off at the time of your mortgages was that it was not appearing on your credit at that time. There is no law that says every account you have must appear on your credit at all times for it to be a valid account!

[Anthony Lemons]

There are laws, however, protecting the consumer of having any negative marks on their credit report, if the debt has not been properly validated. It is illegal for any debt to be reported if it has not been validated.

These idiots are a joke. I have simply had enough and have decided to file federal suit against them.. The Charged off account has been sold so many times, that I don't know who owns it... but I do know that they do not have the legal right to put it on my account as though it is a brand new account and I owe 18,000 on it. They make the account appear as though I just opened this account in Feb. The account is almost 7 years old...

After 7 years of battling an AT&T service fee in which I did not contract for, nor did I have any knowledge it existed under my name, (the first time I ever knew there was a cell phone number existing in my name was when I received the collections documents); I gave up today. They took my money agreeing to not report it to the credit agencies. I still don't think it was a fair exchange but I grew tired of the run around. The first woman I spoke to was a nightmare to deal with, she would not let me speak and just berated and tried to belittle me while trying her hardest to insult my intelligence (not very good negotiating skills, but her comments make for good stories later). Then I spoke to her manager, easier to deal with but did not seem to believe a word I said regarding not knowing about the service, so I just paid the massive bill to make it go away. I finally gave up!

[Anthony Lemons]

7 years? The statute of limitation on that debt was well over its death date.

I paid a collection with Palisades in February of 2005; however, they are still reporting it on my credit??? It is being reported as paid, but since it is closed why do they still report it?

Received a letter today requesting $301.25 for an unpaid bill dating back to 2003. The supposed documentation was so convoluted I got dizzy trying to follow it. I saw this as it was, an obvious attempt to confuse.

The letter stated that they were "in receipt of your request for validation of this debt. Enclosed you will find the requested documentation." Color me stupid but I am not going request this stuff from anybody, begging to pay a debt I don't owe.

I pulled all of my statements for 2003 and was not surprised to see that each month I had a balance of zero leading into the next billing cycle.

The thing that made me suspicious was that their letter listed an address in Bethelem, PA. and had permits in North Carolina and license on New York while advising that information about the Fair Debt Collection Act was available in Colorado at yada, yada, yada.

Anyway, this is the first I have heard from Palisades Collection and I hope the last. Looks like they are vultures in search of a carcus.

Several years ago I paid a bill from MCI that was not owed (multiple months of billing so the consumer had no clue where he stood) and look what happened to them.

Thanks to everyone who wrote, it gives me some insight. Class action lawsuit? Let's do it