Palisades Collection is not cooperating!

help need help going to court on june 23 2008

lesa - can you provide more details about exactly what you need help with? Is Palisades Collection taking you to court? And if so, for what?

palisades collection is sueing me for a old at&t bill that is over 5 years old

lesa, what state are you in and who is the attorney for Palisades collection.

Palisades has been one of the most difficult companies that I have had to deal with. They don't even attempt to be civil much less be helpful in any way!

where to seek cheap proscar?

Ok... First of all I had an account with AT&T before they were bought out by Cingular, about 4 years ago. They claimed I owe them $140. Well, I had all my online bill statements proving that they in fact owed me $70 dollars because I had a credit on the account. I guess they didn't like that so they went all over the country trying to get that money from me. Each time I'd get a new collections letter I would send them copies of all the information concerning the AT&T account. They would in turn send me apology letters letting me know they were sorry and that the fault was in fact with AT&T.
Well, everything was fine for about two years and then all of a sudden my credit score dips down to 540 (it was at 680).... All because of Palisad Collections. I have NEVER received a letter from them, or an account number. And I think its pretty shady that they don't seem to have a website.

SO... If anyone has any suggestions I would greatly appreciate your help!

I have recently checked my credit report and shocked to fine that I have got two negative hits :evil: :evil: :evil: on my account in a month for an Altel Phone bill that was over seven years old. I have tried to call this company to work out a plan but they wanted my social security # before I would be allowed to talk with anyone. I was not certain that this company was an legimate company so I did not give it. I have not gotten any thing in writing from them but I continue to get negative hits on my account. Help!!!
What can I do?

Welcome to the community feedom.
First of all Palisades is a collection agency. They are a legally owned business but often step outside the bounds of federal statutes when it comes to conducting business, specifically the Fair Debt Collection Practices Act.

It has been deemed by the Federal Trade Commission staff that the act of reporting to a consumer reporting agency is indeed collection activity and may be construed as initial contact thus five days from said date they are required to send you the standard dunning letter informing you of the balance, who they are collecting for, a notice of your 30 days to dispute and the standard mini miranda. They have already violated the fdcpa by reporting and not sending you a dunning letter.

It also would appear that the account has been reaged if it is over seven years old and is still showing on your credit report as the Fair Credit Reporting Act allows for these trade lines to only report for 7 years plus 180 days. If this is the case then you certainly already have grounds to file civil action if you so desire. Statutory damages at this point seem to be about $4,000.

Palisades Collection Agnecy is very annoying. We actually settled back in 2003/2004. Paid up and and four years later they are trying to collect $50. Where the hell is this $50 coming from. No details to see and they are very demanding.

I had a problem with Att n T and i send it to BBB for help they were not able to help me because they said ATTnT was a big agency. I tried fixing with ATTnT and during that time they send me to Palisades Collection. Be aware at Palisades Collections they are very rude and demanding. Its true they don't give consolidations they want everythig!!!

Like most people on this page...I found this collection agency reporting a Verizon acct. to the credit bureaus. I fought with Equifax 2 times and they stated that this agency "validated" the debt...in other words it was a legal obligation. I called the agency directly and found out that the Verizon acct. was set up at an address in a city where I NEVER EVER LIVED! On top of that, it was for 2003. Well, I went to prison in in 2000 and did not get out till late 2004 (that's a whole different story). The bottom line is, you should investigate their claims that the debt is yours...if it is...you are stuck! If not...demand an immediate deleation or file a small claims suit in your town aganst the original creditor and the collection agency!

I took the initiative to call this HORRIBLE collection agency to settle my debt. I told the telephone person that I could only pay $100.00 per month and that wasn't enough. They inisisted more. If I could have paid more I would have. Then the irate manager got on the phone and started an argument with me. She was so unprofessional, I hung up on her. I will not deal with these unprofessional people again. I will send my payment through the mail by money order. This is a horrible company and I will be calling the better business bureau on them immediately.

Good for you guest, please follow through on your complaints! :)

unknown if you pay palisades in full will they make a deal of deleting it from your credit report

I paid my debt to them in full and they were rude even when I called to find out what their mailing address was to send the check. Out of the 11 collections that I had (and paid off in full) they are the ONLY ones who refused to remove themselves from my credit report, and they are STILL re-verifying with all 3 CRA's that I paid in settlement rather than paid in full. They have always been rude, completely unprofessional and they have (I hate to say it) the typical New Jersey/New York attitude. Don't expect ANY favors or even civility from them.

oh any yes I have a letter stating that I have Paid in Full, submitted it to all 3 CRA's, they all corrected it to say PIF in April, then in June it was re-verified by Palisades to say "Paid in Settlement" again because they said I DID owe more money in fees that they just "wrote off for me". I have sent the information in AGAIN, as well as to Pattenaude and Felix (the attorney for Palisades) and AT&T who was the original debtor. So fingers crossed that SOMEONE will fix it for good!

If you paid in full and they are reporting as settled in full then you can re-dispute based on that inaccuracy. I would dispute as "Multiple Inaccuracies" and make them verify every line on that tradeline. If you have the documentation to prove it and the don't correct it, file complaints with the BBB, AG's in both yours and their state, FTC, and if they are members, the ACA(They are BTW). Or you can just skip all that and send them an ITS with the first couple pages of the complaint. Give them 10 days to correct or delete and then sue their ****. If the CRA's call your dispute frivilous, then you can add them to the suit for willful non-compliance.

I am not normally the straight to litigation kind of person, but if you have paid in full, have the documentation to prove it, and they will not correct it, then that is deliberate credit report poisoning. You can't make them delete accurate information but you can make them report accurate information. Sometimes it takes a 2x4 and not kind words.
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[color=Red]****Adult term removed - Jason[/color]

I just re-sent in the second round of proof day before yesterday ... do I have to wait for 30 days before I dispute again or can I act today?

oh and what is the ACA and what is an ITS?
thank you!

Sorry....I've been doing this so long that I think in acronyms now:

ACA= Association of Credit and Collection Professionals (yeah! Right!)

http://www.acainternational.org/

ITS= Intent To Sue

Okay thanks for that, now of course I have another question!

If I send an Intent to Sue and a complaint, what exactly do I send? Do I go down to small claims, pick up whatever forms I need, fill them out, copy and mail a copy to them BEFORE filing? Or do I have this completely wrong? I just want the quickest, most complete, and FINAL solution possible.

thank you!

Depending on what court, most forms are available on-line. Or you can go to the courthouse and ask the county clerk. Like I stated earlier, give it one last go with the CRA's before sending the ITS. If they do not correct the trade line, then send the ITS. I would write something along the lines of:

This is a copy of the suit I will be filing with such and such court.....if you do not correct(delete) the tradeline with all 3 CRA's....w/in 10 days from receipt.....the next correspondence will be in the form of a summons......


Just have all your documentation in order and all your ducks in a row.

Caution: CA's receive these all the time and then nothing happens. They don't comply and the consumer never files. If you go this route, FOLLOW THRU.

Just sent you a PM

thanks, one is back to you in yours!

I have been recieving a call from FMS/ Palisade Collection agency. When I first recieved a call I called back and a recording wanted me to give my SS# so of course I hung up. I rescently called back. I was able to get a hold of a person. They had been calling me to see if I knew of a Carol Parker someone I don't know. I don't think this is a reputable company. So just be careful.

I recently sent theses idiots a certified letter asking them to send me proof of the account they (say they Purchased) from AT&T. They sent me a letter with a fake account number. What steps can i take to get them off of my credit report? They even had the nerve to take me to court for this, i was out of the country at the time.So now i have a bad credit rating, and at&t is no help either. They say i never had this account with them but dont want to give proof.

I got the goodwill letter and attachments that I sent to AT&T back in the mail today, the address that the jerk at AT&T gave me was wrong.
He gave me:
101 W Broadway
San Diego, CA 92102.

I looked online and could not find one, although I did find the CEO's name was Randall Stephenson. I guess I could email him but I have the attachments to provide as well.

Does anyone have a way to get the correct mailing address for AT&T?

I just went ahead and mailed the goodwill letter and documentation to AT&T's payment address. Probably will get round filed but at least I know I mailed it.

Back to Palisades ...
It has been a couple of weeks since I sent the goodwill letter to them, no response to date. I did notice something on my Experian report that I have a question about. Under comments it says "Election of Remedy-reported by subscriber" ... what in the heck does that mean?

and under the 24 month payment history it is blank except for a "KD" in the July 2008 square ... does anyone know what that means?

I'm looking thru the Metro 2 Manual and the only reference to Election of Remedy is under the special comment codes for Closed(Temporarily or Permanently). Can't find the KD notation. PM me your e-mail and I'll send the CDIA Metro 2 Manual to you. Maybe you can find something. Failing that...call the CRA and ask.

Okay another chapter in my Palisades Drama.

I just spoke to a very nice, helpful woman at Equifax. I explained about sending in the proof regarding a letter from Pattenaude and Felix on behalf of Palisades Collection LLC. She apologetically explained that they COULD NOT accept the Pay In Full letter from Patenaude & Felix because it was not written by Palisades or on Palisades letterhead. What in the heck do I do now?

She suggested that I dispute the entire debt based on "fraudulent charges" in that the person at Patenaude and Felix that I talked to said that I actually owed "fees" that they just "wrote off" for me, and that was why my debt could not be considered Paid in Full. So now I have ANOTHER dispute, but as this was JUST Equifax that I talked to, I'll also need to dispute with the other 2.

Problem ... if I just say "forget the dispute" and threaten to sue, I don't HAVE the money to sue. And I agree with not threatening if I'm not really going to do it. So what do I do?

Since we are all having problems with palisades and AT&T can we have a class action suit against both companies to settle this problem?

i would like to be part of that lawsuit!

here's my update today on this ... Equifax's report confirmation was emailed to me today (6 days after disputing Palisades based on fraudulent charges) and it WAS SUCCESSFULLY REMOVED. So now I need to dispute based on the same thing to the other 2 credit bureaus, and HOPE for the same result!

smo65d11 - How did it go with the other CRA's?

I'm still waiting ... I have been working on my follow up letter to the "goodwill" letter that I sent to AT&T, Palisades and Pattenaude and Felix in the event that Transunion and Experian don't remove them. None of the creditors/parties involved responded to my goodwill letter, I assume because it is a paid off item that they just don't care, and maybe they legaly don't have to respond? And I am holding out hope that the goodwill letter will actually work and that Palisades won't respond to the disputes. I have 2 more days to wait on the Transunion dispute, and 4 more days to wait on the Experian dispute.

I basically based my complaint on 2 things: first, obviously were the fraudulant charges that Palisades claims that they "wrote off" out of the goodness of their hearts. They sent no documentation to me when I asked Patenaude and Felix for it, nor did they give me the opportunity to pay these supposed fees. I wouldn't have paid the full damn balance if I wanted a "settlement", would I have?

The second part of my letter will address the fact that Patenaude and Felix had no legal right to write the paid in full letter (that was actually incorrect as far as they are concerned NOW) and I guess I will take that up with the Nevada Bar Associaton as well as anyone else that is suggested on here? If they didn't have the authorization to write the letter, why did they? And also the 3 letters that I have were all supposedly written by the same attorney, but all 3 of the signnatures are drastically different and were obviously signed by 3 different people but the same name each time. Can that be addressed as well in my complaint?

Does somebody try loan from hourlyloan.com before?
i wan't to make an personal loan on this company and i am looking for feedback.

Thanks,
AtomaAmusahot

I sent them a partial payment. They never credited my account. When I called them they denied ever recieving the payment even though I have the cleared check, deposited by them. I am in contact with the Federal Trade Commission.

I feel for ya smo65d11 , what a big headache! I would include all of that in the letter, isn't signing someone else's name fraud or forgery? And if this someone wasn't a lawyer then that is also impersonating council which I think is against the law as well (not sure).

I really know how you feel about being at the suing stage and not having the money to sue! I am at that stage with Arrow...I am all ready to sue but can't even manage to scrape up the money for that due to being out of work and being in a hit and run accident...just hang in there.

it is disheartening, they are all basically allowed to do whatever they want and we have no recourse whatsoever. The credit reporting agencies do NOT care about the consumer, they do whatever the paying collection agencies want them to do.

just look them up online they have 301 complaints on the ripoff report

If I owed the money I would have no problem paying them, just like I paid every dime owed to all of my other creditors. The fact that they are trying to further ding me will not go unchallenged, I am pursuing legal action against Palisades, Patenaude & Felix as well as the 3 Credit Reporting Agencies who are allowing these collectors to cause needless damage to the American Consumer's FICO's.

I've read through all 23 pages in this thread (and some others) and have a related situation that I don't think has been covered.

I disputed charges of about $145 while I was a customer of AT&T 2-1/2 years ago. This was turned over to a collection agency (not Palisades). When I received their notification in the mail I asked for verification. None came and soon after I received a similar letter from a different collection agency (again, not Palisades). Again I asked for verification and again nothing was sent in response and then the third collection agency, now Palisades, sent me a letter. I didn't respond within the 30 days and have completely ignored their letters and phone calls. In July I pulled my credit reports and the $145 was listed under Palisades and under another of the collection agencies (Nationwide Recovery). Through Experian, I initiated an investigation citing something to do with unauthorized charges (don't remember the exact wording). At the end of the 30-day investigation period through Experian both of the negative items were deleted from my report.

Today I received a packet from Palisades stating that they have received my claim of dispute and they have placed my account in a "disputed" status while they investigate. They want me to provide an official police report detailing my claim (2-1/2 years ago!) and a signed and notarized Affidavit of Fraud. They also state that if they do not hear from me within 30 days then my claim will be withdrawn. Then they provide the following account infomation: previous creditor, current creditor (themselves), current balance, account number, last 4 of my ssn, debtor #, charge off date (AT&T), and open date (AT&T account).

My questions:
Since up until this point I have been silent to them, should I continue to ignore their requests for payment? I am hesitant to open up a can of worms, since it seems that even paying the amount in full is no guarantee that will make the problem go away (according to accounts in this thread and elsewhere on the web).

I do not intend to provide them with any additional information on the multiple forms they sent or a police report or affidavit of fraud, but I'm wondering if they would actually withdraw my claim and re-enter the negative information to the credit agencies. Once it has been deleted can it be reinstated? If so, do I have recourse through the credit reporting agencies?

Is the information they provided as being part of my file the same as what they would provide if they were to respond to a request for validation? Is it worth pursuing a request for validation at this point?

Is it legal for two collection agencies to list the same debt on credit reports?

It would be great if someone knowledgeable (JCEMT? anthonylemons? anyone?) is still reading this thread and could give me some idea how to proceed....thanks in advance.

I'm being sued by palisades what do I do???

Vecky, please start a new thread and give us some more details.
Were you served?
How were you served?
Who is suing? Palisades on behalf of the OC or just Palisades? What state do you live in?
When was the last time you paid on the account?
What else came with the summons?

No Name, it is not up to you to provide proof, many CAs use this tactic to intimidate you. The only time you need to do these things is if you are a victim of identity theft, disputing charges does not fall under this.

Send them a DV letter and in this letter inform them you do not think this is a case of identity theft, you simply want proof of these charges because you think they were made in error. Also inform them that until they provide said proof, they many not reinsert the collection back onto your report as that is an actionable violation. Also inform them that what they did provide is not considered proper validation as it was not provided by the original creditor and is simply repeated drivel on their own letterhead.

Nope, it is not allowed for the same account to be listed by two different collection agencies, what will happen is that the older one will stay removed but the latest one the CA may try to reinsert, but then you have them if they do this after you sent a DV.

ask julie about her true debts and what she has actually paid No name
don't listen to her please this is a good site that tells you to try to pay off debts if you can


she didn't paty JACK and thinks can post sbout how to get out of true debt you actually owe
I thought this site was to help poeple who were wrongfully accused or were falling? JULIE comments is like a radical saying this is why I didn't pay and it is very bad--reason America is so far in debt and people do not fess up to their real obligations
JULIE LIED ABOUT DEBT OWED AND GOT OUT OF SOme of them===her credit history I think for at least mext 20 years is in question unless she clears off things she denied and has not paid for yet!!!!!!!!!!!

i also have palisades collection on my credit report. i NEVER knew bout this till i got a copy of my credit report. i dont know what to do someone please tell me

who is Julie?

The debt I had with AT&T was legitimate and it was transferred to Palisades Collection Agency. Through a debt consolidator, I was able to final payoff my debt. However, I wasn't keeping track of the payments. I decided to call Palisades (in July '08) to check the balance due. I was advised that my account was paid off in March '08. I informed them that I had sent at least 3 additional payments since March, therefore I was due a refund. They saw the 3 payments and agreed I was due a refund. I was told that it may take some time to process. So, a month later after not receiving a check, I call again was told its going out at the end of the month. A week goes by and I call again. I was told that the check would be sent by the end of the week. Yet, I do not have a check. I'm going to request to speak to a manager/supervisor tomorrow. What are my rights? How can I complain and get results?