How do I get Palisades Collection to leave me alon

Date: Sat, 04/30/2011 - 11:24

Submitted by krueger53ron
on Sat, 04/30/2011 - 11:24

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Total Replies: 2

How do I get Palisades Collection to leave me alone regarding a credit card. Now Patenaude and Felix has filed an intent to file suit again me if I do not pay. I am on disability and have been for 7 years. I tried to get the credit card company to adjust the repayment terms but they refused to do so. I have MS and also suffered a massive heart attack in Feb of 2010 and spent 6 weeks in the hospital during which time I had to be resesitated 5 times because my heart kept stopping. I know that my disability money cannot be attached by anyone with the exception of the government. Do I just ignore the paper work sent to my home via courier, BTW, I was not even at home when the papers were delivered, or do I need to contact them again and tell them to stop contacting me?

Thanks, Ron

Ron, First of all I am very sorry for your health problems, an

Ron,

First of all I am very sorry for your health problems, and I hope that you can achieve a better health as soon as possible.

I would recommend sending them cease and desist forms(located under the DIY section) and ask to only deal with the original lender. Attempt to dispute the debt and obtain validation if you are able to, and make sure to keep/record any and all information. Unfortunately, this debt was created by you, and they will attempt to obtain it one way or the other. I would check your local state laws to see if you are able to write off this debt due to your disability status, or if they have any type of debt consolidation/assistance through the state offices(Job & Family Services?).

Honestly, a debt consolidation/assistance company would help you immensely, and would be able to lower the payments to something more reasonable for you, and also help you to pay less in the long run. If you're willing to pay the debt, the credit card company has to work with you.

lrhall41

Submitted by knealpotp on Sat, 04/30/2011 - 22:59

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If you are being sued, you need to respond. You could cease and

If you are being sued, you need to respond. You could cease and desist the law firm but not the court.

Quote:

If you're willing to pay the debt, the credit card company has to work with you.

Wrong.....they are under no obligation to work with you once you are in default

lrhall41

Submitted by SOAPLADY on Sun, 05/01/2011 - 04:06

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