Palisades Collection is not cooperating!

Has anyone found they have the Palisades Cllection agency collecting a debt from AT&T and have never had their services.... this is my case. What should I do?

I paid a settlement to NCO financial systems in 2001 for 600.00 today 4/8/06 in the mail I received from a law office pressler and pressler for a debt to palisades collection of 1168.00 plus interest for AT&T wireless I thought this was over since I paid this off in 2001.

Send CD letter with copies of your payment made in full. Also check the SOL of debt collection in your state.

I sent 202.98 4/18/06 to Helig meyers,after just a week and half,they say account was sold to Palisades. I wanted to pay this debt to get this off my credit,I got transfered to two different numbers, what steps should I take I'm in North Carolina.Im so mad this just happened today.

Mika, check if Palisades is collecting for some bill related with any of your account with AT&T. If this is the case, you will have to inform the credit bureau reporting this account. They will verify the item with the company and remove if it is incorrect.

They hit me with a collection notice for $7500 on an account I've never had through a bank I've never heard of.

MC,

You need to get the account validated by Palisades. They are required to give you an itemized statement showing the complete break down of the amount before you pay them anything.

See the name of the credit company for which Palisades is collecting. You can seek information from them too and know the accurate picture.

I have checked my credit report and found that Palisades keeps reporting a payment I made to close and account last year. The last reported date for the payment is constantly updated on my report. How do I go about correcting this? The debt was paid in full last year and my report reflects this but the last reported date keeps changing thereby, making the debt look more current and negatively impacting my score every month.

Ami

Palisades is doing an illegal activity by reaging your account. Inform the credit bureau and explain this situation. They will verify it with the collection agency and stop them from doing so. Do your correspondences in writing through certified mail. Have copies documented in a file for records.

Palisades came up on a credit report indication I owe over $3500. for AT & T cell phone service for when I lived in the Chicago area...I've never been to Chicago and have never had an AT & T account.....

I was served a summons by an Attorney's office for an alleged At&t bill and I have never owned an At&t phone. They said I co-signed over the phone for this service. I have no knowledge of ever doing this. What should I do?

Gale, Palisades must give the details of the debt account in writing. They are required to follow the federal laws of validating the debt while attempting collections. Since you don't believe this account to be true, Palisades has to confirm it in writing.

Check out with your local county and see if any legal summons has been filed against you. Most of the CA's issue fake legal papers. Once you are sure about a hearing in the court, go with all your documents to prove the facts. The judge will possibly rule in your favor after the account is found disputed.

Collections agencies do not have to settle accounts with you.

If you settled a previous account that they are trying to collect on chances are the agency you settled with didn't close it out properly. Always keep your zero balance letters. Keep ALL documentation. If it isn't documented it didn't happen.

I recently found palisades on my CR, I'm in the middle of buying a new house. How with this affect me at closing?

Be sure that Palisades has legitimate purpose to hit your credit file. Collections hurt the credit scores severely. You should not allow an incorrect reporting hurt your ratings. Contact Palisades at 201-567-5648 and inquire about the account. They need to send the details of the debt in writing before you make a payment. If they don't come up with any genuine information, explain the situation to the CRA and put it on dispute. The item will be likely removed after investigating the matter

I paid a debt"supposely" I have with palisade They keep calling after three months saying that they never received the money order.
What i can do? can somebody help me, Please!!

JC, do you have the receipts of the payments done to Palisades? If you have paid through your bank, there will be a proof of it in the statement. Consult your attorney with proof. Palisades has to update your file if they have received the money from you.

Here is another mailing address for Palisades Collection, L.L.C.
P.O. Box 1274
Englewood Cliffs, NJ 07632-0274

They have sent me letters citing that they have purchased this account from the original creditor, AT&T Wireless. And that as the assignee, they have all rights, title, and interest of the assignor. After I wrote them a letter stating that my AT&T account had been closed a few years ago, they sent a letter stating that I needed to prove that in writing by May 13, 2006. After researching this company online and finding so many complaints I will now respond requesting a debt validation, and I will be checking my credit scores on a routnine basis.

I sent a validation request with a DO NOT CALL paragraph but it hasn't stopped these morons from calling. In fact I have now sent a total of 3 letters - 2 to their P. O. Box number and 1 to their physical address 210 Sylvan Avenue, Englewood Cliffs, NJ 07632. The 1st and 3rd letter were signed for but while they rec'd notice of the 2nd they never picked it up. Still they continue to call over a debt that is not mine. I've read in other replies that when sued they deny getting notices and making calls so how exactly do you prove your case if you sue?

The cards may have signatures but in both cases they are illegible so you can't for sure say "who" signed for them or for that matter if who did sign used their real name. As for the calls, I have them on my caller id but my phone will only hold so many and short of taking the phone to court how do you prove they continue to make the calls?

How do I find an attorney that can help me with pallasades collection. They have put a negative mark on my credit for a debt that was paid. I submitted proof of payment along with a desist letter. Not only have they ignored my letters but they refuse to update my credit report. I have reported this to the credit reporting agencies and have still not received any help. How do I find an attorney that specializes in this and how do we get this company shut down for illegal practices?

You can locate some lawyers in your state offering free legal aid. Check out this link for more information.

http://www.debtconsolidationcare.com/forums/about11762.html

When you have proof of the debt paid and the CRA taking long time to update your credit report and not providing sufficient reasons, talk to a lawyer for some advice. He will help you out in filing a case for fdcpa and FCRA violations against the companies responsible for it.

hi i was just reading your message on palisades and why they do not offer setlements/let me tell u i am an ex employee of palisades and they are very unfair kuniving people,they want as much money as they can without offering any settlement,the only thing they were able to do is give a lousy 5% off and if account was over a thousand dollars than we were aqble to negotiate settlements,but even with that that has to go through a main manager to approve the settlement,palisades collection is just 1 big rip off plus they sell bad debts to other agencys,and they also carry alot of bad debts with them and r still illegally collecting them,i fell they shold b reproted and nothing happens to them ever. so my advice to you, if you want any kind of settlement make sure your credit report rating is bad because thats they only way youd get accepted, they pull a credit bureau report on you and make the determination that way,wich i find unfair beacuse if some one calls in to pay thier debt i believe they should be offered some sort of settlement,just thought id share a few secrets thaty palisades holds up thier sleeve,please contact me if you want more info

I have been receiving calls from an attorneys office claiming I owe $1800.00 to palisades for an account with helig meyers. I have never bought nothing from helig meyers I told them they had the wrong person, they gave me no validation letter but wanted me to send them a copy of my social security # I refused. I now have a court date for august in small claims court. Could i sue them for false accusations and mental anquish.

Definitely, you can sue such collection agencies for false representation of your accounts. Check your credit report to confirm if they have entered any derogatory remark. The company must prove this debt to be a legitimate one before any legal actions are decided against you. If they fail to give the necessary details, I wonder if they will take the matter to the court. I am sure this could be a case of mistaken identity. Do you have the receipt of the debt validation letter sent to their mailing address? You need to show this receipt at the court and prove your part of the responsibility. Palisades mostly has accounts that are disputed. You need to confirm if the debt belongs to you before making any payment arrangements with them.

http://forums.debtcc.com/palisadescollections/index.html

http://forums.debtcc.com/forums/palisades.html

i have pal.collections with an att bill,funny thing is i have never had an att wireless phone,i disputed the item with the credit agency,they said they verified the debt as valid,so instead of worrying about it i called pal.collections to pay the bill,they said they do not have a bill for my ss#,i redisputed and they reverified,lol,i dont know what to do now,i cant pay it or get it off my credit.

jsinc, dispute with the credit bureau highlighting the item. Turn back the pages of this thread for more information about this disputed account. If you never had an AT&T account, you are not responsible in paying it. Do it in writing through certified mail. This will put to your records. Palisades needs to validate the debt as have hit your credit file. If they can't give you the information, take legal steps forcing them to remove the item from your file.

What is meant by a legal collection period...I do know that the SOL for debts in Texas is 4 years...I have a collection company LVNV gunning me for a bill that is 6 years old..

KatywithaK

As per the statutes in Texas and in all other states, the collection agency or the creditor can collect the debt legally as long as it is within the SOL period. This period is calculated from the date of last activity taken place in your accounts. If it is past the 4 years period as per the Texas statutes, they cannot put you in legal troubles. This doesn't stop them from filing a case in the court, but a SOL notification sent to the company will put you out of any legal problems. If you are sure that the SOL has expired on your account, send a letter in writing mentioning the expiry of statutes. Send it through certified mail with return receipt requested.

Go as low as 50% b/c the reps have to get it verified by their managers and plus they will pull your cbr no matter hwat if you want a settlement or to have proof its really u.

Yesterday we received a summons letter from an attorney saying that we are being sued by Palisades Collections, this is the first I have heard about it, and am now wondering if they knew my address WHY they didn't send a notice or bill before taking such drastic action, is this even legal? After looking online and reading all of the awful reports saying that this company is running ???scams??? I am afraid, and I just don't know what to do!

Does anyone have the number to Palisades and Allied collection I need to contact them regarding an old debt and they are not listed anywhere

The phone number of Palisades Collection is - 201-567-5648

I had AT&T and it was horrible. They told me to keep the phone for 30 days and if I did not like it to return it and I would owe nothing. It was terrible. I kept calling and complaining about the service but they kept telling me to keep the phone and it would get better. After my month was up I told the guy that I just did not want the phone anymore as I could not get out on it.. He stated it was too late as I had gone over my 30 days. I told him I would not pay. Now I found out even after I have a statement on my credit file that they have the upper hand and that if I do not pay Palisades that I can not get any credit anymore....This sucks. I am gonna call and see if they will take a lesser amount than what is on my credit file as it includes a $200.00 early cancellation fee. Please advise. Thanking you in advance.

Palisades is reporting my collections with them was opened on 2/1/2005. It was for an AT&T account which I paid in June, but which was with another agency before then (an agency that was attempting to collect twice as much as I owed). AT&T didn't even still exist in 2005! The thing is, I already requested debt validation once from Palisades, and like I said, I already paid. I'm wondering what I can do now? I also already disputed this debt with Experian, a dispute which came back "verified." I just want the date corrected so this won't be on my account for another six years, since I think I got the phone in 2005. And I want to do anything I can do to punish them for mis-reporting this. But I'm not sure how I go about any of this...

I requested debt validation and got documents showing I owed some remaining charges on my phone, but I don't have those around anymore because I didn't anticipate further problems (since the debt was clearly mine--well, not clearly, but more clearly than the initial charge for twice as much that included things I definitely didnt buy).

i can't believe these people are allowed to conduct business. they pulled my credit report and knowingly mailed the letters to an old address. this address was over 6yrs old. then when i told them i wasn't properly notified of such debt they told me that they aren't going to be remailing these documents all over the place. i then requested to speak to a supervisor who gave me a completely different answer. told me that they wouldn't settle the account and told me two weeks ago that they would remail the documents. i still haven't received them. i will send my request by mail, cc the bbb, consumer affairs and all 3 credit bureaus. and to boot they call my house everyday and leaves messages on my phone. thanks for the info.

I had received some bills from them regarding an at&t bill i had not had the money to pay it at the time and list and address to contact them and also had no bill. About 6 months after i spole to them i was served a subpoena to go to court for this. I agreed to $10 week with 12% interest. In stead of going down it is going up. With the interest charge can i turn this over to a credit counseling compny cos it will never get paid off and i dont understand why its going up instead of down.

I received a supposedly "validation" for AT & T. I don't have a cell phone,the debt is on my credit report, and I'm not paying a bill I don't owe. Why is AT & T allowing this company to degrade them? I had respect for AT & T who has just taken over our local phone service. I might just completely get out of phone service. I don't have anyone to call anyway and I could save some money. Does AT & T have an e-mail address? Maybe they don't know what Palisades is doing to their name.

I also have an unfavorable report from Pallisades on my otherwise FLAWLESS credit report.The first collection agency agreed with me after I sent a letter detailing my dispute. AT&T wireless is just as guilty as Pallisades for trying to rip me off in the first place.

Hi , i have a collection account with palisades collection llc, they said on the phone if i work a payment plan out with them they would not report me on my credit report, well they did, but they have reported my payment also. so when i pay this off i will ask the beareu to take this off. They did report me too soon. That was not nice.

I pulled up my credit report and found them on it. I called them up and they sent me a whole packet with forms in it. I had the forms notorized and I even filed a police report. Now I find out that the collection agency is a crook. Wow what a world!!! Anyone know how I can get this permanently removed ? I also have another one on my report and want to get it permanently removed but I can figure out how to do it. If anyone knows please email me @ email address removed as per forum rules - Mike

collection agencies are crooks? No way! Cant be! Collcetion agents are the most honest people on the planet... next to crack dealers and theives.

Dont worry Gretzky, youll get it sorted out but it will take some time and alot of effort on your part. Once you prove that the fradulent entries are from the collection agency they will be deleted off your credit report.

I too am being scamed by Palisades. I went to the bank to take out money today and found our accounts frozen. Seems a junction was filed in court against me and I was never notified. After calling the lawyers for Pal. I was told I owed $3600 for an account at AT&t that I never had and the paperwork was going to an address I never had lived in. Major phone calls to their lawyers and AT&T got me no where. They are stealing my money as we speak!Has anyone had it go this far? How did you stop it..

Hi Guys,

I too have been harassed be this company. I'm rarely home to answer my phone and I am on the ???????National Do Not Call List" I kept seeing this number on my caller ID and no messages left. Then I started getting calls on the weekends, and late at night, along with scare tactics. I say (seeing all of the complaints) that we get together and form a class action lawsuit against them. I you're interested, Email me Mike Gaynor at GaynocoAcquisitions(at)Tampabay.rr.com

These people are calling me about an alleged credit card dept from 1990. They can't verify it, and won't, it????????s almost like extortion. I feel sorry for those who have paid, just to get them off of their back. The statute to collect is blown anyway in my case. I have no clue what it is. I know it's not Valid, because in 1990 I was in college and I had no credit cards.

Let????????s get together and put them out of business.

Anyone please feel free to Email me anytime. If I get enough response I????????ll have my attorney sue this company and try to get class action status.

Sincerely yours,

Michael A. Gaynor
Lake Development & Investments Inc.
Gaynoco Acquisitions & Holding Company.
WADI Corporation.
President & CEO

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Hi everyone. I need some advice/help. I'm sorry in advance if this gets long. I will try to be as short as I can.

Wife has a Palisades collection from 2000 from AT&T we JUST found out, wife has NEVER had AT&T, where she was living at the time they did not have AT&T service, and she did loose her purse around that time, so we filled an ID Theft report with the FTC, and with all 3 bureaus, and a police report, NOW, what do I need to do about Palisades???

The FTC says I need to call them and find out what they need from my wife to provide to them to prove it was ID theft. She don't wanna call these idiots! She's afraid it may start something, right now Palisades is ONLY reporting it on her TransUnion report, but nothing else, and she fears they will report it to the others if we call them. Any advice?

Also, we are in MN, the reason why she has never heard from Palisades, is that in the state of MN, a CA must be licensed with the Minnesota Department of Commerce (gotta love our Attorney General) and Palisades isnt! So they legally cannot call my wife, BUT, TrueLogic Financial is registered, and they have called my wife a number of times regarding this, so I'm guessing is that even though Palisades has the collection, they have the company they partner with, TrueLogic, do all the collecting. Am i right on this?

The thing is, this collection also is beyond the SOL in MN, which is 6 years. It drops off my wifes CR in June 07, but we are getting a house before that. This is our delima, I'm afraid if I DO contact Palisades, they will try to collect again, or "Re-age" the account. That's why I am debating on whether to contact them or not, I don't even know if they will believe her about eh ID Theft and just bully her around.

I DON'T was to start anything up with the CA in risk of them messing up her CR more. Especially since it's so close to being dropped off, and it's beyond the SOL.

Any advice???????

Please guys, any help would be appreciated :)

I have no old debt at all and I just recently have been getting calls from Palisades and True Logic. They are fraudulant. I am sending them a validation letter to force them to send me any info on what they alledge I owe them. From what I read on Link deleted as per forum rules - Mike
, a validation letter will not extend the SOL. I would go that route & take the fight to them instead of hoping they go away. Having read up on Palisades, I don't think there was any ID theft, I think they are just inventing a fraudulant claim against you in the hopes you will agree to settle over the phone. Good Luck

On a side note: I have not even spoken to Palisades on the phone. Your best bet is to only deal with them through Certified Mail w/ return receipt. They will be much more hesitant to try their scams via the mail as opposed to the phone.

We should file a petition to all credit agencies to have these claims removed from our files. I just got off the phone with one of the Credit Agencies and they are trying to help but the people at Palisades are a problem. It seems that they bought all of ATT pending bills files for pennies on the dollar and wihtout consulting with ATT collections they have initiated the process of trying to enrich themselves by harrasing individuals and reporting them to the credit agencies. The catch is that most of us would rather pay a couple of hundred dollars in order to be left alone and in some cases this has a very serious and adverse effect on personal finances as transactions such as mortgages, and other important transactions are denied due to a mere claim from this organization.
We should launch a class act and close this fools down once and for all. My claim was for less than 500 dollars and it is been outstanding since 2003 without any resolution. More over ATT is no longer so who knows what is going to happen to these claims.
My advice is that we should all write multiple e-mails to the credit agencies and hihglight PALISADES WRONG DOINGS with a copy to BBB.

good luck