Harrassing automated calls from Palisades Collection Agency

PALISADES COLLECTION LLC
210 SYLVAN AVE
ENGLEWOOD CLIFFS , NJ 07632-2524
(201) 567-2438

Send a cease and desist letter in writing via certified mail, return receipt requested

A cease communication letter under FDCPA 805(c) is only available to the consumer who is the subject of the debt. It is not available to third parties.

That is so because there is really no need for any cease communication letter from a third party when the call clearly references the owing of a debt to another. That is a strictly-prohibited practice on its own under FDCPA 805(b). It is not a cease further communication bar, it is a blanket prohibition against any call to any person other than the consumer that even identifies the owing of a debt to any other person.

A debt collector may communicate with a third party under only one condition, and that is set forth in FDCPA 804. That condition is that the communication be solely for the purpose of attempting to locate the consumer, and no other. In that communication, the debt collector cannot disclose to the third party that the consumer even owes a debt.
Section 804 limts such requests for location information to ONE CALL, unless the debt collector REASONABLY believes that earlier calls to the same third party provided erroneous or incomplete information, and also that the contacted third party now has the correct or complete information.

So, in any follow-up call, just ask the caller what evidence they have to believe that you have (a) not previously been truthful with them, and (b) what evidence they have to support a determination that you now have additional information. Put the burden on them to provide reasonable cause for their call. If they cannot provide it, simply tell them that there call is therefor a violation of FDCPA 804(3), and will be reported to the FTC as such, as will any further communication from them that lacks the support for extending their calls beyond the single call authorized by statute.

I haven't sent a formal letter because it is my debt and the debt owner doesn't live with me nor is related to me. I had called that number in NJ and it was the only number that didn't have an automated system. However, there is no indication that the number belongs to Palisades Collection agency either. I only get a leave a message after the beep.

The calls I am getting are ONLY from automated systems. These systems do not have any numbers associated with a live person. So there is no one I can talk to during the actual call and when I call the number back, its the automated system.

My only resource right now is to add the numbers to the Do Not Call list website and they are no allowed to have a number without a live person or one without an opt out option.

I will leave a message at that phone number but I doubt it will get anywhere. If anyone else has a phone number please post it. Thank you

Palisades Collection LLC
200 South Executive Drive - 3rd Floor
Brookfield Wisconsin 53005

Phone Number: 866-877-0008

A cease and desist letter can be sent by anyone to anyone. If the OP feels they are being harrassed by this caller, they can send a C&D to refrain from this "harrassment."

The debt has nothing to do with it.

Thanks but that number is for Aegis Collections. They are located in Texas. Apparently, the guy that answered the phone is accustomed to getting calls for Palisades.

Does anyone have a legimate number for Palisades Collection. I don't start writing letters and paying almost $5 a pop for return receipt requests on fake addresses. If this is a true collection agency there must be a phone number for people to call.

As someone else said, a cease comm letter is not limited to the party in question. The OP said they leave messages--I would imagine that they leave a # to call back in those? Either way, if it were me, I would include your neighbor's phone number in the communication with the debt collector. My wife's first husband cheated on her, and left. That was more than 10 years ago. he has never lived at this address or phone number....but over the last year or so I have been getting calls from debt collectors looking for him. So, I got his contact info from my wife and I hand it out to every CA that calls looking for him. I do not waste any time.

As I mentioned before, the message is from an automated system. The call back number is the same automated system. When you call it back, you get three options - Get account info through automated system, retrieve your pin number and the third options cycles through the first two again. No option is ever given to speak to a live person. No live person ever called me. This type of calling is against the do not call act. So right now I am using that as a means to file complaints against the company.

I can send in a letter but to where? There are several different address for this company. Which one is the right one? I came here to this forum as it had information about this company. I guess I will just see what the BBB has on file for this company and take it from there.

I truly appreciate everyone's help. I personally cannot understand how a debt collection agency can legally operate like this. As I mentioned in my first post, this is not the first time my neighbor used my phone number however, this is the first time I am running into problems correcting it.

I didn't know if using the cease letter was appropriate for this situation and now I do. So thank you. If anyone does have a number for this company please post. In the meantime, I will look to see what BBB has on file and send a C&D letter.

actually, there is no "do not call act". The law is called the TCPA--Telephone Consumer Protection Act. And it has nothing to do with what you are dealing with here--the TCPA is geared towards telemarketers, not debt collectors. The law applies to calls "for commercial purpose", and debt collection is not "commercial purpose". Also, debt collection implies an existing business relationship, which is exempt from the TCPA as well.

Thanks for the clarification. I am not a lawyer and don't know the exact terms. I do know that I have not done business with Palisades Collection Agency therefore they are not allowed to call me. When I registered one of their numbers, the website indicates that if they do not have a way of opting out then they are eligable to be filed as in violation.

Again, I am not a lawyer and am only following blurps of what I read on their website. That is why I started this thread to get some anwsers to stop the calls.

hey man, its cool....most if not all of us are not attorneys here. and we're glad we can help!

This is extremely frustrating. I had no doubt that I would be able to access our database and come up with a telephone number, which would put you through to a live individual so that you could immediately request that your telephone number be deleted from their database.

I was mistaken. Apparently Palisades has changed their telephone system (I called to ensure that I would be providing the correct telephone number to you). I called 800-414-8319 (the number we've always used to access a person), and was given several different options. In the end I decided to choose the option that would allow me to access "my account" using my "social security number." I entered a bogus social security number, and the call was eventually transferred to a live person. So, if you want to take the time to go this route, this is an option for you.

Good luck!

Absolutely go the route of entering a bogus ssn. A person picked up right away. Otherwise you'll spend hours.

Did this agency quit calling after you spoke to a live person?

Palisades automated wrong number system didn't recognize the debtor number they left on my answerring machine. But when I selected I wanted to talk over collection terms, it recognized the number AND put me in touch with a live person. They assured me my number will be taken out of the system. We'll see how that goes.

I used 1-800-414-8319 and selected an option to speak to a representative. There was a 5 minute wait.
I gave my name and the number I was calling from. I informed the rep [who sounded very bored] that the idividual in question did not reside at this number and requested that my number be removed from the calling list. I was told brusquely that my number was being deleted. I would hope that it is true.