Skip to main content
index page

cavalry portfolio and palisades collections

Submitted by on Tue, 05/09/2006 - 12:03
Posts: 202330
Credits:
[Donate]

:?:
I have a question. I have a debt with ATT wireless. I had opened the account in july of 2000. the account was closed as of Dec. 2003. Palisades got the account in april 2004 and when I looked at my credit report it showed that i owed a balance of 1,637.00. Last month I was checking my credit account and it showed another collection agency of Cavalry Portfolio, and the were collecting under Cingular Wireless which I never had an account with. Since I know that ATT had emerged with Cingular. They say I owe 308.00 Is it legal for them to them (att & cingular) to use two different collection agencies to collect on the same wireless number? Can they possibly get away with doing something like this to us?


Hi raysta101

Most of the items are disputed when it is regarding Palisades, AT&T or cingular. It is possible that different CAs can attempt collections but only one agency can collect for an account at one time. Two different agencies cannot collect for the same account.

To make sure that the CA is having your legitimate account details, ask them to validate the debt in writing so that the original creditor is identified along with all account information.

You must send this request in writing through certified mail with return receipt requested. Doing this, you will be sure that the agency has received your request and need to provide you the proof. If they fail to do so, you can explain the situation to the credit bureau reporting them. They will run an investigation with the CAs and the OCs and get the accurate account details. Once the details are verified, it will be posted in your credit file.

Don't make any payment agreement until you have review the account. Also, this debt might be out of the SOL period depending upon the date of last payment activity. So, you must check the state laws before making any commitment.


Submitted by curlycarl on Tue, 05/09/2006 - 12:26

curlycarl

( Posts: 616 | Credits: )


Thank you so much for that information. before I had posted this information, I had just got into an arguement with one of the collectors from Palisades. I had to call back and ask for a supervisor, which told me they will mail me the information that I need. I heard so many stories about them. Fortunitely I got the supervisor's name and the information when services was started. Should I get the information from ATT as well and verify everything including contracts and the exact amount that i owed?


Submitted by staffordprofessional on Tue, 05/09/2006 - 13:23

staffordprofessional

( Posts: 8 | Credits: )


It will never hurt knowing the details of the accounts from your own side. While inquiring about the accounts, you show your responsibility to pay the debt but if it is a legitimate one. Inquiring does not mean that you can be forced to pay anything the company says. So, be sure that you don't make any commitment until you have everything correctly put in paper.


Submitted by curlycarl on Tue, 05/09/2006 - 15:12

curlycarl

( Posts: 616 | Credits: )


I appreciate this information. Had I have known about you earlier I would have asked this question. I happen to try to find palisades collections and came across your forum. It's really good to know that there are people like myself that are trying to establish their credit, with out the abuse from the collection agencies. What if you need to report such abuse from a collection agency where do you go and do this?


Submitted by staffordprofessional on Tue, 05/09/2006 - 16:41

staffordprofessional

( Posts: 8 | Credits: )


Hi staffordprofessional

All the illegal practices of collection agencies should be reported to the FTC, BBB as well as the local attorney general office in your state. Send your complaint in writing and request the bureaus to investigate the company. Palisades has many consumer complaints against them. With so many complaints against them, I presume this company will be shut down sooner.


Submitted by curlycarl on Tue, 05/09/2006 - 17:07

curlycarl

( Posts: 616 | Credits: )


I asked a question about their collection agency and if they could garnish your pay check - I have not heard anything yet - need response quickly and who is Richard Cash from Sonic?


Submitted by on Wed, 05/10/2006 - 09:37

( Posts: 202330 | Credits: )


Hi staffordprofessional

Where did this account take place? You can send the request at the address below?

PALISADES COLLECTION, LLC
210 Sylvan Avenue
Englewood Cliffs, NJ 07632
Phone: (201) 567-5648
Fax: (201) 567-2203

Palisades Collections
PO Box 105460
Atlanta, GA 30348


Submitted by john on Wed, 05/10/2006 - 16:38

john

( Posts: 1231 | Credits: )


I have another question. Can any collection agency ask for a down payment for the debt you owe? if so, how much can they ask for and is this illegal to do that? Also, is it true if you send in a payment for your debt you owe, whether it's $5.00 or $20.00 do they have to accept it no matter what? Some one has brought that to my attention. I just wanna know for my personal information too... Thanks.


Submitted by staffordprofessional on Thu, 05/11/2006 - 16:54

staffordprofessional

( Posts: 8 | Credits: )


There are no set rules that collector has to accept what you offer. But since you are making efforts to pay the debt, it counts the most. While you send the payment, make sure that there is proof of it. You can send through check using a registered mail. If the company cashes the check, your proposal will be considered accepted. If they don't, there will be proof of your efforts made to clear the debt with the company. You will find yourself comfortably placed.


Submitted by Gretchin on Thu, 05/11/2006 - 17:24

Gretchin

( Posts: 482 | Credits: )


Yes staffordprofessional,

You must pay to that agency only that has the details of your account. Many companies try to scam people without having any legitimate details. You must make sure of paying that company only who has the proper accounts info.


Submitted by john on Sun, 05/14/2006 - 13:26

john

( Posts: 1231 | Credits: )


Multiple posts on the same topic removed - Mike


Submitted by on Tue, 05/16/2006 - 11:50

( Posts: 202330 | Credits: )


Thanks to all of you guys help and advise. After 2 mos. of dealing with Cavalry, the couldn't produce a copy of the original debt. So the person (cassandra in the compliance dept)says they will remove themselves from all 3 credit bureaus (which I had alert them) and send me a letter stating that they sent the debt to the original creditors. For Palisades, they have took themselves off all 3 credit bureaus until they get caught up their validations of debt. It seems they are backed up in people requesting for validations since the march of 2006. Again thank you for answering my questions and i'll definitely keep everyone posted.


Submitted by staffordprofessional on Sat, 07/29/2006 - 17:07

staffordprofessional

( Posts: 8 | Credits: )


Hello i have a couple of question i'm trying to consolidate my credit i'm having a hard time trying to find out who is palisades collection i know it's for att,then premiere credit of na, and central financial center.could you please help me.


Submitted by on Tue, 09/26/2006 - 11:52

( Posts: 202330 | Credits: )


I went to court today with Cavalry Portfolio. They lost the case in General Sessions. The next step is for them to appeal. They have 10 days. Will they appeal? The case is for 12,000. on a car that was totaled and last payment made was 04/02.Original owner Ford Moter Credit. Can I use SOL ? Couldn`t on first case as it had not passed.


Submitted by on Mon, 05/19/2008 - 18:17

( Posts: 202330 | Credits: )


I am new to this forum. Forgive if I do not know all formalities.

I need to find out the phone number to Premiere Credit of NA as they are showing an entry on my credit report. Any help would be appreciated.


Submitted by studioz on Wed, 08/20/2008 - 20:17

studioz

( Posts: 2 | Credits: )


nascardevil
Thanks for the link. Yes, I always Google. On my report the listing was: Premiere Credit of N A. If you google that, it does not list the company. You identified what NA stands for. Thank you for that. I do not think I am out on a weak limb not knowing what NA stands for. Again I thank you for your help. The link took me to their web page and there is a phone number. I will hope there will be a real person on the end.

Thanks again


Submitted by studioz on Thu, 08/21/2008 - 15:41

studioz

( Posts: 2 | Credits: )