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

Palisades collection sent me a letter and phone calls. I wrote them for validation. They replied without proper validation. They sent me one copy of an old bill. I am getting ready to send them a second request for verification. If this went to a judgment, can they attach a social security check? I have no income.

Social security can not be garnished, except in the case of certain government obligations. Back taxes, overdue child support, defaulted student loand... Like that.

OK now. I've read this message string and I am quite concerned about paying Palisades Collection. It appears that some have made payments to Palisades, but the debt remains on their credit report.
How do I protect myself when making a payment to Palisades?
Do I send payment in the form of a money order and by certified mail?
Is there anything else?

I have a judgment on my CR from Palisades at this time from 2007. I was never served any paperwork about this. The reason its showing is from an ATT bill I use to have which I paid off in late 2007. I called ATT and they are showing I owing nothing at all. I mailed three certified w/return receipt verification letters to Palisades and no response, so at this time Im not sure what to do. Can some one please give a little advise?

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First, contact ATT again. Ask them for a letter (written) stating that you owe them nothing.

Then, Send letters to Palisades, EQ, etc(CM/RRR). Endlose a copy of the ATT letter, and demand that the offending tradeline be removed from your credit report immediately. If that doesn't get the job done, follow it up with an ITS letter. If that still doesn't get it, sue.

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I just got a letter in the mail from a First National Credit Bureau. It was for a landline in Pennsylvania, the only problem is that I have never lived in Pennsylvania. And now I am trying to deal with Palisades National to get this wiped off of my credit bureau.

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Does anyone know the official website name? I have been contacted via telephone
messages by an old gentleman claiming they have a debt I have to pay.
Gee, don't have any debts, but do have an extremely high credit rating by the 3 top
agencies. when calling on the weekend, they give a website address, but the girl's voice is muffled and I cannot get it.

Thanks for your help.
All these poor people getting slammed for something they probably don't know about,
we need to fight this abuse!

bb

I am having the same problem with palisades and several others because of id theft and i caught the people--held them at gun point. There were 14 and three states running this game. Several families were victimized. I believe now if we all would write to the ftc who has my case or the federal attorney general--since this is over several state lines and some by mail then they might take action. Even if your case was settled--write about these people--it's election year. It's time we band together and stand together and go at this all as one. I am doing my part---hope you will too!

I recently has a debt collection against me from Palisades collection which i dont owe any money to any company. When I called in, they asked for my ssn and I gave to they. Because they say they will not able to give me any information without my SSN.

I just received a letter from Palisades for a credit card debt paid over 8 years ago! I even faxed them a copy of the check that showed I paid them off. In fact, my most recent (2 months ago) CR didn't show any collections...my credit score was 791! Unfortunately, since the debt was that old & I THOUGHT it was squared away, I no longer have the file. I wanted to research more information before I called them and blew my lid!

Roxette...what did you mean when you say "Do not give the strong points that you have for disputing this item." I want some ammunition before I call them. If you would be so kind as to email me to let me know what all this means, I would greatly appreciate it!

Thanks so much...Kelly

I gotta letter today from Palisades regarding a 2000.00 bill I paid off 8 years ago! At the time, they kept on about the matter until I faxed them a check! Unfortunately, since it's been over 8 years, I no longer have the file. Bummer. A recent CR showed NO debt related to anything of thids nature and reflected a score of 791. My guess is the recent inquiry when I built a new house is how they came to find me again. So, I was just doing a little research before I called them & blew my lid.

Roxette, I was wondering what you meant by "Do not give the strong points that you have for disputing this item." I'm unsure what to do at this point and didn't want to call them to give them more ammo!

If you could, please email me about what my next steps should be (if you know). I'd REALLY appreciate it!

Thanks...Kelly

We also rec'd a letter from this company--looking for a debt that was paid off 10 years ago! (For some reason, the amount had ballooned up 50%). Hubby called the toll-free # and told them he had copies of bank checks & letters from Citibank stating the accts were paid in full in 2000. Copies were sent certified mail,return receipt, along with a letter from him stating he did not owe this money. We will see if further action is needed (AG office,BBB,etc.). I'd like to know how Palisades got the info in the first place (nothing on credit reports at all).

I just received one of these also. I had credit card problems about 13 years ago, but I thought that I had everything cleared up. I am wondering how they can do anything since the statute of limitations was up at least 7 years ago. I feel like this is extortion. I'm wondering if my congressmen or senator's office could help. I really don't want to have to hire a lawyer, but these people are not getting one cent from me.

I think if these folks make any more collection attempts, we'll be complaining to our state AG, NJ state AG & the FTC. Hopefully we won't have to get a lawyer, but if we do, we'll look for a consumer advocate (NACA). They should not be allowed to harrass innocent people!

4 the last month or so I get thee ph. calls that I must get back 2 them 4 some reason.I don't respond I just hang up.is there a legal problem on my side?

i recently disputed an account i had with palisades only after i submitted my dispute they ganished my wages and now have taken 1700 and the account was only 800 is there anything i can do about this now that they have already collected the garnishment also they say i owe $13 and is still showing negatively on my credit so this still affecting me and need help pls

they did the same thing we me by they got a civil complain against me when i didnt even know about a court date or anything but im going to sue they ass right back go to www.ftc.gov and put ur complain it

does anyone know the SOL in New Jersey? I called Palisades they are stating that my debt is from April of 2004

If they got a judgment against you without your knowledge then you should immediately contact the court about getting it vacated for improper service.

SOL for New Jersey is 6 years....so it is up.

[QUOTE]i'm finding this statement coming up a lot in this forum. you can pretty much be assured if someone receives a collection letter, the debt has been already validated and that is why the collection agency, Palisades collection LLC, is contacting you in the first place. validating a debt is usually a way for debtors to stall and evade their debts. [/QUOTE]

Are you saying that consumers have no right to ask for validation of a debt? What if there was a typo by a clerk and a debt for $100 was mistyped in the collection letter as $10000? So we have no right to ask for proof? What if the debt was already paid, but the collector relied on outdated or manufactured paperwork?

I don't think debt collectors are infallible. In fact, they may be in business just to make money, regardless of how legal or moral their methods are. Or am I wrong? Please correct me, if so.

You are 100% right. The post you quoted is rubbish. The account is NOT validated when they send you a collection letter. Validation is when you dispute the debt with the CA and they in turn contact the original creditor, get validating documentation and then forward it to the disputing consumer. That is the law plain as day and anyone who can comprehend engish should have no trouble with it.

The sad fact is they are for-profit companies and the majority break the laws right and left. Heck, the laws were enacted BECAUSE of all this BS unethical CAs pull. Now there are ethical CAs out there, but not many.

I paid off an account (Bally's) in 6/2008. I threatened legal action because I never set this account up. I asked Palasides to prove I opened the account, they couldn't. Unfortunately, I couldn't wait 30 days (or even 10 days) so I settled the debt for $200 something. Now, 3 years later, I am buying a house and my lender tells me that my full debt of $980 is on one of my credit reports.

Unfortunately again, I do not have time to deal with this. I will be calling them tomorrow (after hours now), and if I don't get the resolution I seek I wil be sueing them and it won't be pretty.

These clowns are what is known as a factoring company. They buy very old receivables very cheap in hope of collecting them for a fraction of the face amount. The folks who work there do not even know what a factoring company is, so that's what you are dealing with. I just got a $112 bill for a car loan from 1987. C'mon, they can't be serious, but I guess a percentage of the population will be intimidated enough to pay these clowns.

Actually they are NOT a factoring company...a factoring company buys business accounts that are NOT delinquent. They are debt purchasers plain and simple. The factoring listing on credit reports is wrong and can be challenged.

Here is there address and a letter I sent them to stop them from calling or writing me. Note they can sue you after you send this to try and collect the debt. In my case it was not my debt so no worries....



Palisades Collection Agency, LLC
210 Sylan Avenue
Englewood Cliff, NJ 07632
REF:

To Whom it May Concern:
1. You are hereby notified under provisions of Public Laws 104-208, also known as the Fair Debt Collection Practices Act, that your services are no longer desired.
2. You and your organization must CEASE & DESIST all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the California Attorney General's office. I will pursue all criminal and civil claims against you and your company.
3. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future.
4. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by law.
5. It is my policy neither to recognize nor deal with collection agencies.

Give this matter the attention it deserves!

Wow I don't think they would know what hit them...but you are right...don't try this unlss you are sure it is not your debt!

Simplest thing to start with - refuse to give them any information they don't provide up front. NEVER give you social security number to them. If they can't look you up with the information they have (minimally the phone number they called you at, the reference number they gave, and a name they gave), then they have no reason to need you to provide information.

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I agree wholeheartedly. You can also give them just the last 4 digits of your social, if they can't find you with that, then they are outta luck. That passage you quoted was just plain BS....I would bet that poster is a debt collector because I have heard that same spiel from them.

I was contacted a couple months ago by Palisades regarding a debit they say i have with Verizon from 2001. I was moving so i paid the balance and closed the account now 11 years later these jokers are telling me i have to pay the bill because i never did. When i spoke to them in the beginning he said they've had this contract for 6 years but couldn't explain why they're just now trying to contact me on it, i've been at this address for the last 10 years ... not hiding from anyone over here!! I sent them a dispute letter and the verification they sent me back shows a billing date of June 2001 for $65.67. I know that the SOL in my state has expired no matter what kind of contract this is but would this be considered an open-ended account? When i write them again to tell them that they're out of luck i want to be very clear that i know this was taken care of, that i know they're beyond the SOL and to never contact me again. Thank you!!

I sent Pallisades a letter disputing their efforts to collect a bill for $50, regarding which the actual service provider had previously sent me a letter stating 'This is not a bill'. Anyhow-I had the service provider clear it up by contacting Pallisades to have them dismiss it, then I wrote a letter to Pallisades disputing it because it was on my credit report, so I asked them to have it removed, since the provider had recently told them it was taken care of.
They told me they never received the letter, which had the paperwork from the provider, and now it is still on my credit report as negative.
They cant be trusted.

I just got a collection letter from these clowns for a non-existent debt. (I never had the phone number that is the subject of the alleged debt) The letter, by not notifying me of my right to dispute the debt and how to do it, violates the Fair Debt Collection Practices Act.

Although I no longer practice law (think of me as a recovering lawyer - in several senses of the phrase) and didn't do work in this area even when I was active, I suggest the following:
1. Never deal with them over the phone - always in writing
2. Send all correspondence Certified - Return Receipt Requested.
3. Take their word for things never.

There are reputable firms who don't engage in illegal practices, but the field is littered with those who will skirt the law and violate it when they think they can get away with it.

4. Report abusive or illegal tactics to your local authorities (I reported this to the state Attorney General's office, which has a division for this) and to the Federal Trade Commission. The greater the number of complaints, the greater the chances for a full-scale investigation.

5. If you do owe, never settle a claim without getting an agreement in writing.

6. If the claim is old, check on the statutes of limitations on the claim before doing anything. They may have no right to collect anything from you, but if you send any payment it might start the time clock running again.

I also believe that the person who wrote that these debts are almost always validated before the letter is sent is a shill for a collection agency, possibly even for Palisades.

I just got a letter from those people saying I owed AT&T a ton of money too...talked to AT&T they turned it into their own fraud dept....is there a phone # where you can actually talk to someone all I get is pre-recorded stuff:!:

You dont need a phone number....simply send then a cease and desist letter.

Are you trying to call Palisades? Don't. Send them the cease and desist letter.

Hi, I just got a letter from Palisades claiming I owe $351.11 to Verizon. I nave not had a Verizon account since 1997 and the "Debtor ID" number is a phone number for an insurance agency in a town I have not lived in for almost 20 years.

Would this be a good Cease and Desist Letter (Thanks to Cease and Desist post number 582 for the original):

"
Palisades Collection, LLC
P.O. Box 1244
Englewood Cliff, NJ 07632
REF:

To Whom it May Concern:
1. You are hereby notified under provisions of Public Laws 104-208, also known as the Fair Debt Collection Practices Act, that your services are no longer desired.
2. You and your organization must CEASE & DESIST all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the [COLOR=navy]New Jersey [/COLOR]Attorney General's office. I will pursue all criminal and civil claims against you and your company.
3. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future.
4. Furthermore, if any negative information is placed on my credit bureau reports by your agency I will file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by law.
"

I am glad I found this site.

Basically your letter shows you can cut and paste. You do not have to explain the laws.

Dear Palisades.

I hereby demand you cease and desist any and all contact with me and anyone associated with me in regards to account number #________
original creditor _________. The debt is out of SOL and is time barred.


Send CMRRR

Thanks [URL="http://www.debtconsolidationcare.com/forums/member.php?u=65878"]SOAPLADY[/URL]!

We are being harrassed by Palisades because of the same name, same county, different middle initial, different social security. So the debt isn't always yours! So the validation statement is wrong.

phone number 201 567 5648 x225

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Are you kidding? AT&T didn't take over Verizon, they are two seperate competing companies.

Simple contact your local collection agency; in a letter, tell them whats going on and ask them to remove any communication from Palisades..

Got my green slip back the other day, no more calls from those lovely People....... How long should I wait for a response?