wrongful debt collection

Send them a debt validation letter, requesting that they attach copies of the following with their reply:
1. The agreement which authorizes the creditor to collect on the alleged debt.
2. The signed agreement from the debtor conforming to pay the creditor.
3. The documents regarding the payments made on this account validating the amount.

You'll want to send the letter via certified mail/return receipt requested, so you have proof that the letter was delivered and signed for by an agent of their company. Have you checked your credit report with the three main credit bureaus lately to see if any inquiries from allied interstate or Palisades appear, or if there are any derogatory reportings by them? It might be worth it to have a look, and if anything does appear and they do not send you the requested information, you can dispute whatever you need to with the credit bureaus.

Here's a sample debt validation letter that you can personalize and send.

http://www.debtconsolidationcare.com/letters/sample6.html

IN your letter, first and foremost, you should state that you do not believe the debt is yours and state your reasons. From then you can request validation, etc ans tiffany has suggested.