Palisades Collection is not cooperating!

Hi Lisa
Welcome to the forums.
Palisades Collection llc phone number is included in the list of bad collection agencies. They are not listed with the BBB and many consumer complaints have been filed against them. They might have purchase one of your bills from AT&T.
As per the fdcpa laws, a collection agency is required to send the details of the debt in writing at your mailing address. If they have not sent you any letter, send a debt validation letter through certified mail with return receipt requested. Cover your basis by making the move from your side. You can legally refuse to pay the debt until Palisades sends you the details.
Keep a check on your credit report and see if Palisades has hit your file negatively. No collection agency should report anything in your credit file with legitimate reasons. If they are shown in your file, you need to take necessary actions to maintain your credit ratings. Please read the experience of one of our members with this company. Many others posts on Palisades collection agency are available in this forum. You will have a better understanding on how to deal with this company.
http://www.debtconsolidationcare.com/forums/palisades.html
Regards
Roxette

I too have been contacted by PALISADES COLLECTION. I have received many DEMANDING phone calls! I consolidated my son's debts...and have proof that the the debt owed HAS BEEN PAID! I even have a copy of the cancelled check! PALISADES COLLECTION continues
to bother me almost DAILY! I have never received a
statement by mail!
I will check my credit report! NOW! Thanks for the info. I notice that your's is dated within the last few days....that's when I started researching on line myself. Your info has helped me alot!
Thank you! "A MOM WHO CARED TOO MUCH"!

Also, you can stop the demanding calls altogether. Just send them a letter in writing asking them to cease communications with you. You are actually asking them to stop sending you letters and to stop calling you. Under the law, the collection company must abide by your request. They can get sued if they don't.

Also, You can sue if they violated the law while contacting you. First off, they are not allowed to contact you at an unreasonable time (after 9pm). If they made these demanding calls at an unreasonable hour, then you can sue them.

Also, these companies are not allowed to threaten you when the make their calls. If they threaten you, then they could get sued. So there are some key restrictions to how these companies can contact you.

You should not feel like you have to sit back and take these demanding phone calls from this company. Especially since you say that you already have taken care of these debts. You should get rid of this nuisance immediately

I recently applied for a home loan and Palisades Collection Agency showed up on my credit report, which was very shocking because I just pulled my credit report in June and it was flawless. They are saying that I opened and closed an account on the same day in June 2001 and charged it over $1500, but I never heard of this company. This account was reported to this collection agency in December 2005, just days before I applied for a home loan. I was and still am devastated. I was a college student living on campus in June 2001 and had no need for a separate telephone bill or any other bill for that matter. I'm very thankful for all of this information I've received from the posted forums in this website. Atleast I know where to start investigating.

Hi Gamecock Fan

Palisades Collection Agency is ruining your credit file if they have hit your file fraudulently. Look for their address and phone number in your credit report. Send a letter to them asking for explanation of this account. Federal laws allow you to get a debt validation of this account from the company.

Once the company has received your debt validation request, they will present the details of the debt in writing including the details of your original creditor. Check the details and if it is found correct, make payment arrangements with them. If you think the details shown are incorrect, send a dispute letter to the company. Send all your letters through certified mail with return receipt requested. The company will verify the disputed item with your original lenders and give results of the investigation done. They simply can't attach a line called 'item verified.' They have to prove you that the details have been posted correctly.

If you don't get any results of the dispute from Palisades, send copies of all your correspondence done with the company to the credit bureau reporting this account. Dispute with them and request for verification. They will investigate the matter with the collection agency and the creditor. If your dispute is found correct, the negative item will be removed from your file and you will be sent an updated copy of your credit report free of cost.

This removal of the negative item will give you the chance to file charges against the collection agency for fraudulently reporting and hurting your credit file. Consult a lawyer and take legal actions against them. Hope this is helpful to you.

Can somebody please email me thier number my email addy is.. Thanksso much


email address removed as per forum rules - Vikas

Mack

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.

Corporate office Address:

Palisades Collection LLC
200 South Executive Drive - 3rd Floor
Brookfield Wisconsin 53005
U.S.A.
Phone Number: 866-877-0008

Besides, you can also use this address:
Palisades Collection LLC
P.O. Box 1244
Englewood Cliffs, NJ 07632-0244

Palisades Collection LLC is a collection agency that deals with AT&T accounts. I disputed with AT&T when the debt was theres and now I'm disputing it with Palisades as well. The very first time I got a letter from them, I responded with a validation request and a DO NOT CALL paragraph. They didn't bother me again. I got a letter from them last week stating that they were going to send me validation that could take up to 90 days. First they said they had purchased the account, then turned around and said they were working it, all in the same sentence! I'm not sure they know what they're doing. Will wait and see what they dig up after their 90 days. Shirley

I just recently pulled my credit report and noticed Palisades Collection on there. I have no idea who this is or how to contact them to see if I do have a debt with them. I have never received a phone call let along a bill? Any ideas on how to reach them and get this taken care of? thanks so much.

MaryEllen, it was posted in this thread. Also, usually credit report will show the address of where to get in contact with debtor and collection agency with questions and concerns on account.
Heres the addresses:

Corporate office Address:

Palisades Collection LLC
200 South Executive Drive - 3rd Floor
Brookfield Wisconsin 53005
U.S.A.
Phone Number: 866-877-0008

Besides, you can also use this address:
Palisades Collection LLC
P.O. Box 1244
Englewood Cliffs, NJ 07632-0244

shirley

Maryellen

Along with disputing with Palisades Collections, you can also verify this item with the CRA. They will also conduct an investigation with this CA. If your dispute is found correct, this item will be removed from your file and you will be sent a free copy.

However, if you are served with accurate details of this debt owed, you will have to pay it in order to improve your credit ratings.

:oops:

I cant believe how many people are having problems with this collection agency and nothing has been done yet! I got pulled my credit report and I also have the stupid palisades collection for ATT on my report, I have never been notified by phone or mail. Today I searcehd and came across this number 201-567-5648 I was able to speak with a palisade rep but they told me it had been sold to a place called True Logic Financial, I called there and Diputed it . Long story short , I faxed them a dispute letter and also reported it to the credit bureaus Tranunion, experian and equifax and I put a allert on my credit. I dont know how to solve this one and regret ever having ATT! Please Reply and Help if you know what to do! Thanks

Along with your dispute sent through fax, you should also send it through certified mail with return receipt requested. Suppose the CA takes the matter to the court forcing you to pay the debt, your defense will be backed by your proof of your dispute. You have to prove the judge with the date on which you sent your dispute. A fax will not prove the required truth. So, it will be better to send your mail certified with return receipt requested. You will be able to show the green copy with the signature of the CA at the court.

The CRA and the Palisades CA will have to show you the results of their investigation within 30 days. If they fail to give you the necessary information about this account, it should be removed from your file. As per the FCRA, no agency is allowed to keep negative information in your file without legitimate purpose. If it happens, you might have to consult an attorney specializing in the lawsuits of fdcpa and FCRA violations.

Thank you! I will do that!

AT&T itself is a company that rips people off,so it is not suprising that they have this company collecting for them. I had a cell phone with them for 6 years, never changed my plan or had the need for a new phone. Then AT&T made me mad by 'slamming' my home phone long distance (changing my long distance to AT&T without my permission) which cost me over $400 in long distance charges, because I have unlimited long distance for $59.95 a month through my current service, so I never knew I was being charged for all my calls....long story short, I got mad and called to cancel my cell phone and get a new company. Well, they suddenly came up with this off the wall story that I had called the previous month and signed a new contract...why would I have done that? I had the same service for 6 yrs, why would I suddenly sign a new contract without changing my service, getting a new phone or anything. That made no sense. I told them I wanted proof that I signed a new contract. They said it was done verbally over the phone, so I asked for the recording of it. Their response was "not all calls are recorded". They said your bill has a disclaimer on it, and if you pay the bill, you are agreeing to their terms. You have to laugh at that. Anyways, it eventually went to that collection agency, who are a bunch of morons...called daily, said threatening things. That was before I knew my rights, so I paid them to get them off my back. But, I make sure I tell everyone I know NEVER to get AT&T for ANY reason!!! They are thieves. Sorry so long, just wanted to share my lovely story.

TMD, Palisades collections mostly purchases disputed bills from AT&T. I guess, there is something that both of these companies share with each other apart from making profit. AT&T makes disputed bills and Palisades applies illegal collection tactics on it.

Folks, be aware of your legal rights. No agency can take money from you till you are applying your knowledge. TMD, you handled AT&T so nicely that they had no other way but to leave you. I am just wondering what happened with you while Palisades called you up? Anyways, now that you are aware of what is right and what is wrong, no one can take money from you so easily.

Well, I disputed the bill, and never heard anything from AT&T for 6 months, then got a letter from Palisades and AT&T had added early termination fee of $175 plus some other stuff. The bill ended up being almost $400 total for the cell...not to mention the money I had to pay for my home phone, which I put a freeze on so now no company can change my service without a recording with me giving permission to do so...which I advise everyone to call their phone company and set up. AT&T is famous for slamming long distance customers. I reported it to an attorney that was working on a class action suit against AT&T, but that never went anywhere. I am more careful who I do business with now than I ever was before, and I never give anyone information like I used to..in fact my attorney told me to change my phone number and make it unlisted...which was very suprising. But, I did that. CA's seem to get the number anyway, but it is easier to know who is calling now though. Anyways, I have learned a lot from this site. I am on here everyday, usually find out something new. And, I know I am not alone....CA's have a habit of trying to make you feel so 'unique', like you are the only one they are having trouble with. LOL.

Pallisades cannot verify my deby, yet I still cannot get it off my equifax report. HELP!!!!!!

Bumper, you must send a copy of your dispute placed with Palisades to Equifax and explain their failure to validate the debt.

The CRA will run an investigation with the collection agency and if your dispute is found to be correct, the item will be removed from your file.

You must send your letter through certified mail / return receipt requested and keep everything documented in a file for records. The CRA will respond to you within 30 days. If they do not respond, you have to take steps in legal terms to get the item removed from your file.

I just was alerted to a change on my Equifax credit report. I am sending a validation letter to Palisades collection, and furnishing copies to the Attorney Generals office in my state, the Federal Trade Commision, and the New Jersey Better Business Bureau (BBB). The BBB has received nearly 80 complaints against this "company" in the past 12 months. Make sure you know your rights and use the information at your disposal.

I have been fighting with collection agancies over an AT&T bill since August 2003. I send a dispute letter and they drop it and then another collection agency sends me another letter. Palisades is the 5th one, how do you make it stop !

Have you talked with AT&T regarding this bill? Since the collection agencies are changing hands, you might like to resolve this matter directly with the OC. If this account has not been sold to outside CA, you can still make payment arrangements with them.

It is the usual practice that AT&T will send the bills to Palisades for collections. They do not sell the accounts to them, so you can possibly make some arrangements on your accounts with them.

If you are unable to track any legitimate information from any of the CAs, dispute this item with the CRA. Show them proof of all the correspondences with all the companies and express your intention to pay the debt. Since the company with actual details of the debt has not contacted you till date, request them to do an investigation on this account and give you the results.

Hi can anyone help me? I just got a civil action hearing notice fro m palisades coll c/o wolpoff and abramson, it looks like the amnt that the have charged me went up like two thousand more dollars, i just feel scam and i need to go to court and dnt know what to do..

KEENIA, have you asked Palisades to validate the debt first before you make any payment? They will avoid legal actions if you are willing to pay the debt. But make sure that you have reviewed the account properly. Send a debt validation letter to the company's mailing address and request for the details.

Send your letter through certified mail with return receipt requested. The company will sign the green copy and will reply with the details. If they fail to send it and you have a court hearing fixed, you can defend yourself saying that the company failed to give you the details of the account. This will cover your basis legally.

I to have gotten a collection letter from Palisades on a debt that I repaid over 3 years ago now they are saying that I owe more money I have tried to contact them several times and have not gotten a reply. I am at my wits end what do I do?

Maggie, do you have the payment receipts to prove that you paid this debt 3 years back? If you have this proof, I am sure you will hold a stronger side.

Ask the collection agency to validate the debt first. It is your legal right to know the details of the debt before you agree to pay them. Send your letter certified with return receipt requested. It is expected that Palisades will fail to give you the required info, so they will probably back off. Make sure that you have all your correspondences documented in a folder for records.

Ok so, I purchased a house in July 04 and the week of closing, I was told I had a collection from AT+T. I NEVER had an account with AT+T but I had no choice so I paid it and when I did, I thought all was done. Well was I wrong.... I just recieved a letter from True Logic Financial and they are saying that I owe over $300. I have contacted all four companies and no one seems to be helping. At+T says they do not know me since they were bought over by Cingular, Cingular can not find me in their system, Palisades does not know me either and True Logic is saying they can not help me without a letter of confirmation from Palisades that the account was paid. I have a copy of the canceled check, but of course, no letter was sent to me by anyone, even after requested. I am pulling out my hair!! What do I need to do to get this to go away?

Knine22, when you never had an account with AT&T, why did you pay anything to the account kept in front of you? You should have disputed with them right there and avoided all these tensions that are building now. Besides, no company will be able to give you any information because you didn't have account with them. At this stage, you will have to contact Palisades and know how they used your money. Do you have any payment receipts from them?

As True Logic is contacting you to pay this debt, ask them to validate the account first before you make any payment agreement. They must prove that they are collecting on some account that has some validity. Without any papers given to you about this account, you can refuse them to pay anything.

Send a debt validation letter to True Logic requesting for the details of the account. And, send a letter to Palisades requesting how they have used your money. Also, check the latest copy of your credit report and see if any of the company has hit your file.

The account I had was with MCI and I had closed it before AT+T bought them over. AT+T charged me for service with them I never had. I paid the amount discovered on my credit report to the company reporting on my credit at the time because we were closing on our house and we did not have time to dispute it.

As of today, Palisades is saying that they can not find me in their system as owing or paying on an account. The only reciept I have is from my bank showing money was taken out and sent to Palisades.

I will send the recommended letters. Thank you!

Knine22, you have the bank statements to prove that Palisades has taken out money from your account. On the basis of these charges, you can take the help of your attorney.

Do you have anything to prove that you were not using the services offered by MCI and AT&T has charged you incorrectly for it? Your dispute at the first time would have been really helpful but I can understand that you were closing on your house and did not have much time.

I think you should look for some legal help because you are not getting the details of your payments made to Palisades. Though I am not sure but they might have tried to pocket your money. So you should look towards the legal path.

Thank you for all the advice!! I will let you know if I find out anything helpful for anyone else. Thanks Again!!
^..^

I have the same problem I have various staments from Palisades CA but with diffirent names on the letter head. this account was paid but all I have to prove this is a cope of a cancelled check. what else should I do please email me

email address removed as per forum rules - Vikas

Jose, when dealing with any collection agency, ask them to validate the debt first. It is your consumer right to know the accurate details of the account before you make a payment agreement. Have you viewed your credit report and saw this account marked as 'paid' in your file? This is enough to prove that Palisades is lacking proper information and therefore, they must back off.

1-800-873-5648
ADDRESS PO BOX 1244
ENGLEWOOD CLIFFS, NJ 07632

I was checking our credit reports today and saw Pallisades Collection agency listed in my potentially negative area. We received a notice from Pallisades in the fall for $231, which we know we owe from an AT&T cell phone. I can't find the notice and I want to get this monkey off my credit report. I have the Pallisades acct number from a credit report and an address. I'm scared to send them the money after reading all of these horror stories here and on other sites about Palisades. How should I send this money? Certified Mail? Cashiers Check? Personal Check? I don't want some other company coming after us somewhere down the line after I have paid for this already. Thanks for your help.

Elizabeth, each case is different when you are dealing with the agencies. Palisades has been reported with all the complaints that you read here. In your case, it seems that there is nothing to dispute on your account with Palisades over the AT&T bill. They have already sent you a notice about it. Write a letter to them explaining that you are sending your money through certified mail. After the account is paid in full, they are required to update your account with the OC as well as the CRA. Prefer to have it in writing. Since this debt is legitimate, you will have to pay it in any case. If there is a dispute, it can be resolved later.

I recently filed chapter 7 bankruptcy in Feb. 2005 and was discharged in June 2005. I applied for residency at an apartment complex and was denied due to incorrect reporting of my credit. It seems that Palisades Collections has reported an account that was discharged in my bankruptcy as being current. How do I get this removed from my credit report?

Hi Mandy

Welcome to the forums.

The credit bureau and the information provider are responsible for putting accurate data in your credit report. If there is any error, point it out in writing to the credit bureau. If you have copies to prove your dispute with valid reasons, send it along with your letter. Do not send the originals. Send your letters through certified mail with return receipt requested so that you have everything documented.

Once your dispute is received, the bureau will investigate the item with your information providers. They are required to verify the item within 30 days from the date they received your letter. The bureau will send the request to your information provider for verification. If they find that the item is incorrect, it will be updated with the other bureaus. You will receive a free copy of your report after the update has taken place.

Another move will be to report the creditor that you have disputed the following item. Send copies of your proof so that the disputed item can be verified.

Regards
Roxette

This is the letter I sent to the Bureau of Collections and to Palisades
I have enclosed the item above that I am disputing.
This item Palisades Collection Agency regarding At&t transferred/sold from Bureau of Collection Recovery Inc is inaccurate because I paid Bureau of Collection Recovery Inc on a settlement offer on 06-2005. After confirming with Bureau of Collection they stated they applied my payment to the wrong account which in the end cause them to transfer/sell my account to Palisades Collection Agency I am requesting that the item be removed to correct the information.
Enclosed are copies of documentation, such as payment from my checking account, settlement offer and the letter I sent to the Bureau of Collection supporting my position. Please reinvestigate this matter and delete the disputed item as soon as possible.
All I have been getting is the run around the first company is saying its still in review and I have not heard anything for Palisades.... any advise please I want this off my credit report...

Cmiller,

It seems that first you had a settlement with Bureau of Collection Recovery. You paid them on that settlement and then they sold your account to Palisades, am I right? Chances are the amount that was discharged under settlement has been sold to Palisade. You have to contact the first CA to verify this.

However, it could be a mistake on their part as well. Let's see how they respond to your letter. You can also consider speaking to them if you have any number. Keep us posted.

They have admitted they made the mistake they processed my payment under someone elses account and now state all the papers are in review and they will have to buy back the account from Palisades in order to clear this up!? Will this remove Palisades from my credit report as they should never have been there? I feel like I am getting the run around and wonder if I need a lawyer? Any advise who be great!

Quote:

Add one more to the list! I just checked my credit report. Yep, Palasades showed up and a collection. I've never hear of them before...but, I do have an ATT charge in despute. I know that ATT padded my billing then refused to adjust my bill because it was over 30 days since they billed the amount. I actually had one of their employees tell me that they are allowed to "write off" amounts within the 30 day period... I SURE it is because ATT has never gotten the hang of Accurate Billing! Sounds like this Palasades and ATT are one in the same!!

Guess I've got some cleaning up to do too!

the palisades collection company are nothing but scum bags,,if was you i'll get my self a lawyer and fight these but holes,,am being sued by theses jurks..but if you you want more info on palisades collection,llc go ripoffreport.com

i had an account with AT&T in the late 90's up til 2001. i bought the nokia matrix phone for $800 when it first came out and AT&T made me put down a $1000 deposit, which i did. the service blew in NYC, and could barely ever use my phone, but still every month my bill was $500-600. every month AT&T would call and say you should change your plan, and I did, but the bill was always over $500. i was making alot of money at the time so i just paid it everymonth. looking back they were so unethical.
anyway, in 2002 i realized they owed me $1000 for my deposit + interest, because i filled out a tax form when i put the money down. well after i closed my account i called them and got the $1002.00 back. i made 2 dollars interest during the greatest bull market in american history. anyway fast forward to 2006 and i receive a letter from Pressler and Pressler saying they represent Palisades Collection, LLC. i owe $396.00 so i call them and they said Palisades tried to contact me, which they never did. I paid the money right there on the phone, and it's been 2 months now and although Pressler has given me a letter saying it's been payed, I need one from Palisades, because they are the ones reporting this to the credit bureaus. Experian and co. wont accept the letter from Pressler, even though it clearly refers to AT&T and Palisades. So i call Palisades and when they finally get back to me, they said they will be able to send me a letter in 2 weeks, or march 13th, 2006. I've called them EVERY DAY since the 13th, (it'w now march 21)and left at least a dozen messages. The name when you call the place has changed in the past couple of days, it's no longer Palisades.
I threatened to come up to Englewood if i dont get a call back, and tonight someone called me and said allow 4-7 business days for a letter.
The bottom line is my credit score went from 700 to 598 in one quarter, and i havent missed a payment on anything since i was in college 13 years ago.
it really sucks because I am buying a house in 6 months. that's why i didn't even argue the money and just paid it on the spot.
It's amazing no one at pressler or palisades, or AT&T ever called me in the last few years this supposed debt existed. the lesson is, anyone of these chop shop companies can severely damage your financial life.

I just got a copy of my credit report and there are 2 negatives on there from Palisades. One for $101 and another for $198. I know the $198 is from when ATT bought back there numbers from MCI, but I paid MCI 198 and cancelled my service with them and got service with ATT on my own. I think the problem is MCI took my payment, but they didn't account for it before they sold all there numbers back to ATT. This was a least 4 years ago. I'm not sure what to do since I don't have proof of the check since it was so long ago. I have no idea what the $101 is for. I was thinking about just paying both amounts just to get it off my credit report.

Nickrock,

If you do not hear from them in future also, considering adding a statement in your credit report. That will not improve your score, however, you can convey the real story to your creditors.

Also file complaint against them with FTC, BBB and AG's office. Ignoring consumer's request is a bad business strategy.

BORAH,

Why will you pay the debt that is already paid off? Ask for debt validation. Third party collection agencies are bound to send you validation if you request. Send your letter through certified mail with return receipt requested. If they cannot validate the debt, you can ask credit bureau to remove the entry. Keep us posted.

i have delt with them on a cingular wireless bill.
i had no problems, however, cingular wireless has since sent this bill to four other agency to collect it again.. i hate them.. cingular wireless that is.