Palisades collection-Consumer complaints and tips to deal with the CA

Shirley
Palisades collection llc usually purchases debt from Cingular. This is the first time, I am hearing them working on an account with Chase. If you search for this company online, you will find lots of other people complaining about this company.
Call a Palisades collection llc phone number (866-230-8094) and talk to them. First of all, ask them to validate this debt. You have enough reasons to dispute it and they will have to give you the proof of their investigation done before hitting your CR.
If they hit your file without legitimate cause, you will have to take legal counsel.
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Hi Ben, thanks for answering my post. On one hand though, things are going good for me. In the sense that I have learned alot from this group, took proper measures to insure and protect myself and went head on with CAs. Almost all CAs, including Palisades Collection LLC, are working with me, accepting my monthly payment proposals and I am paying my payments on time to them every month. Several are almost paid off now, and the rest should be sometime in 2006. As I said, my plan is to pay the small ones to palisades Collection LLC, then put that money along with my regular payment amount towards the others and get them paid off faster. I know what my situation is. My dell financial accounts are awaiting validation, which I still haven't gotten. and the other wells fargo account still isn't responding to my letters acknowledging payment arrangements.(long story but have my ducks lined up). And got carted off to court by sams club over an account that was being paid---but I faced it strong and head on and I'm moving forward. So see, I know what the deal is and have my eyes wide open.
Its just when something like this pops up out of no where, its like--Gez, where are they coming from? Its like theres a list somewhere that tells these people that I've been going through a hard time, kick me while I'm down. or hey, She has collection agencies after her, left and right, charge offs on her CR, get her while the gettings good. lol I mean, seriously, I know it isn't like this, but it sure does seem like it sometimes.
thanks for answering my post! I am going to get the validation letter in the mail tomorrow, certified return receipt. Do I just write the standard validation letter, or can I add in there that I haven't heard anything of palisades collection agency before, haven't dealt with chase manhattan since 1998? that its been 8 years? or just ask for validation and most likely, I won't get it anyways.
thanks, shirley

Hi Shirley,

It's been long time since I talked to you last time. How are you? :D Hope you had a good thanksgiving week and now the Christmas and New Year is just round the corner. :D

I have read your post and found Ben's reply suitable here. You both have learned so much by now. Good Job!!

In my opinion, write a standard debt validation letter to Palisades Collection LLC. Do not give the strong points that you have for disputing this item. Otherwise, they will get aware of your defense and re-shape the accounts.

First let them serve the validation request, later you can place it on dispute with the strong points.

And yes, everything should be certified.

Regards
Roxette

Hi Roxette!!! I was wondering where you were and there you are! great to see you again. thanks for taking the time to answer my post, and thanks to Ben as well. I am going to do as you said and just send the standard validation request to palisades collection agency. As I said, I most likely won't get it. I told my husband about the letter we got today and it blew him away too. But I told him not to worry, we are smart and we are strong. I now know enough to know that they won't pursue this after my validation request and if they do, they won't get far. Not if this is what I'm thinking it is. SOL is on our side...among other things. thanks, shirley

Yes, you will have your basis strong and you will be doing everything that is stated in the Federal laws. There is nothing to worry about palisades collection llc.

i'm finding this statement coming up a lot in this forum. you can pretty much be assured if someone receives a collection letter, the debt has been already validated and that is why the collection agency, Palisades collection LLC, is contacting you in the first place. validating a debt is usually a way for debtors to stall and evade their debts.

Okay--I just finished typing up my validation request on this palisades collection agency account. It will go out in tomorrows mail. I filed a copy of the request in the proper folder with other 'awaiting' accounts that I haven't heard back from after requesting validations.
Then I noticed a letter that I had wrote back in June to a 'Bureau of Collection Recovery', it had to do with an AT&T account. I got to thinking about what Ben said about Palisades usually dealing with 'cingular'. So I checked the account number and the creditor account number and **BINGO**. This has nothing to do with my mortgage from way back when, this is an AT&T account from two years ago.

ONCE again, another collection agency had this account UNTIL I wrote them a letter in June and asked for validation and then it got passed on to these people. Now they have the account. And they're claiming that its been sold to them. So off we go with another validation letter and wait and see what happens. I don't get it. The reason I was confused, is because they didn't have the creditor as being AT&T, they have it as chase manhattan. The first CA that had this account, had it listed as being AT&T but this one has it listed totally different. As I said, I have only dealt with chase when we first bought our house. strange.


I don't understand. Whenever I ask for validation from CAs, Palisades Collection agency get quiet for a few months and then it gets passed on to another agency.

Anyways, BEN---you were right or pretty close. You got me to thinking, I started looking, and although its not cingular (although didn't AT&T merge with cingular about a year or so ago???) so you're right on the money!!!!!!! thanks Shirley

KarmaPolice
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Also, I sent the letter off last week to Palisades Collection LLCand still haven't received my green card back. maybe the mail is running slow due to the holidays. I just got a package today that was mailed out on November 28. so I will wait patiently.
But this did cause another thought to come to mind. what if palisades collection don't sign for it? does the mailman return it to me, or what happens? Was just wondering if this has happened to anyone?
Also Palisades collection agency is not the first collection agency to get this account. Another company had it before, I asked for validation and they ran. Months later, I'm hearing from these people. I still don't know that its the same account but reference numbers are the same so it probably is. waiting on validation.
shirley

Shirley,

When you send through certified mail, if the letter does not reach Palisades Collection LLC address, there is a stamp signifying that it was not delivered or the person didn't collect the item. This makes your case stronger as you tried to reach the person in the first place.

Have you checked your latest CR and verified the status of this Palisades account? Is it reporting any change in the collections?

Thanks for that info Ben, I wasn't sure how that was handled.

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got the green slip back from Palisades Collections today. Glad to see that the collection agency picked up quickly. =)

Wow! That's nice getting the green slip from palisades collections. :D
One thing came in my mind when you said that the accounts are charged off. Have you checked the SOL period of these accounts? Depending upon the laws in your state, the debt is legally collectible if it's within the SOL period. On expiry of the SOL, you can't be forced to pay the amount.
Though, I have not gone through the complete situation regarding this account, but the SOL factor just bubbled in my mind. I guess palisades collection llc is aware of this point!

Hi! New here...but I was wondering if Palisades collection llc asked you for your social security number or part of it? They told me they could not get rid of this debt without it. I refused...we don't have any outstanding debt with AT&T.

Weird stuff, for sure.

Thanks for any response!

Take Care,
CC

Hi CC
Welcome to the forums.
Do not give your personal information like the SSN# to anyone about whom you have never heard before. If Palisades Collection Agency has your account, they must have this information as well.
Your SSN# can be misused if it falls in the wrong hands. Besides, Palisades Collection llc phone number has lots of consumer complaints in this forum as well as when you search for them online.
Know your rights, never talk with a collection agency on the phone. Send them a debt validation letter and ask them to prove that they are having you as the right person to be contacted. They should give you the complete details of your accounts (if it is a valid one) after verifying with the creditors. Check your States laws for their license and bonding info. In the meantime, do not give them any of your info. Send your mail certified with Return Receipt Requested.
Palisades Collection Agency is required to respond within a reasonable period of time. If they don't, send a letter the CRA saying that the collection agency has failed to give you the information you requested. Make them go away this way.
Regards
Roxette

does anyone have there phone number? They have just reported someting on my credit report that it unheard of and i have no way to contact them

Here is the address to contact Palisades Collection agency. It is very important to contact the company in writing regarding your dispute. Send your letters certified with return receipt requested. You will have proof of all your actions taken.

Address:
200 South Executive Drive - 3rd Floor
Brookfield Wisconsin 53005
U.S.A.
Phone Number: 866-877-0008

You can also place the item on dispute with the credit bureau. They will contact the agency and after your dispute is found valid, your CR will be updated and you will receive a free copy at your mailing address. Best of luck!

I am now dealing with Palisade who apparently purchased a dept from AT&T that I feel is wrong. This palisades people are rude and don't want to hear anything that might prove your case. I don't have the time to explain but they are a-holes

Roxette,

The address you posted, is that their corporate office. I can't get past a supervisor to make a complaint of the way I have been treated. He gave me an address of Bethleham Pa. Thanks in advance.

Palisades Collection, LLC has extended its business by acquiring another collection agency located in Bethlehem, PA.

I contacted the company at this address while dealing with them

Palisades Collection, LLC 87 South Commerce Way
Suite 70
Bethlehem, PA 18017
Northampton County
Ph: (800) 873-5648 / (866) 230-8075

Hope it helps to you too.

Thanks David,
I do have that address, I was hoping to find a corporate office to bypass the Bethlehem office. I don't want the guy I'm making a compl. about to get the notice and trash it.
Tks again.

Palisades Collection LLC
P.O. Box 1244
Englewood Cliffs, NJ 07632-0244

The above address is the one I used since I had to write and tell them they had made a mistake. I found a complaint filed with them at the Better Business Bureau.

Thanks to everyone who answered my post.

Take care,

CC

Palisades Collection, LLC wrote me a letter, which I received today stating that they received my validation request and are getting the paperwork together for me and it may take up to 90 days. They stated that they purchased account from AT&T and as assignee, they have all the rights, title, and interest of the assignor. Okay which is it, did they purchase it, or were they assigned it? seems like words out of both sides of the mouth here. shirley

Shirley, review the framing of words Palisades used in their letter. If the account is sold to them by AT&T, it will be clearly stated at the beginning of the letter.

Most of the collection agencies have the legal rights to add further charges to the accounts. Basically, this is done to meet the costs accrued till this time they established a contact with you. Read the original agreement with AT&T and confirm whether a collection agency further holding your debt is allowed to add charges on the total debt.

Also, permissible charges can be added by the collectors as per the statutes in your state. Check the state laws or visit the consumer protection office and know the legal permissible charges allowed in a particular debt by the collectors.

I a in a similar situation with palasades. I first number given by roxette, then was forwaded to 2 other numbers. Finally, they told me they did not have the AT&T accounts yet, but they should have them next week.

Anyhow, I will write a validation letter to the WI office, but I am not sure what to include. Should I just put my name and account number? Is there a specific format or form I should use?

Hi Brett,

Welcome to the forums.

Understand the legal importance of writing a debt validation letter before you send it to any company. Some of the points that need to be included while framing your letter are mentioned in the link below:

http://www.debtconsolidationcare.com/validation.html

Couple of points mentioned in the link are not necessarily required to be produced by the collection agency. But it can be given by them if you have requested for it. Ultimately, the debt validation details given to you by the company should represent the actual status of the account and prove its authenticity. You have the rights to refuse payments till all the disputes have not been fully resolved.

Here is a format you can use to send the DV letter to the company. Tailor it according to your requirements if needed.
[quote]
Date

Your Name

Name and Address
of original creditor

Re: Acct # 000-000-000-000

To Whom It May Concern:

This letter is regarding account # 000-000-000-000, which you claim I owe. This is not a refusal to pay, but a notice that your claim is disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting "validation"; that is competent evidence bearing my signature, showing that I have some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports from your company or any company that you represent for a debt that I don't owe is a violation of the Fair Credit Reporting Act; therefore if you cannot validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

If you no longer own this debt, remove the derogatory marks from my credit report per the FCRA. Failure to respond within 30 days of receipt of this certified letter will result in legal action against your company. I will be seeking a minimum of $5,000 in damages for:
[list=1]

Hello...I've been reading this thread and it has been very helpful since I also have an issue with Palisades Collection Agency, LLC. This may be a stupid question but how do I get my Palisades account number since my credit report leaves out the last 4 digits? Unfortunately, today is Saturday and the CRA is closed. Thanks for all of your help!!

Here is the address to contact Palisades Collections.

Palisades Collection, LLC 87 South Commerce Way
Suite 70
Bethlehem, PA 18017
Northampton County
Ph: (800) 873-5648 / (866) 230-8075

Call them and request for your account information. They should be able to verify its details and give you the required information. You can also request them to send an itemized statement.

What's SOL stand for?

Statute of limitations (SOL) determine whether there is a need to pay a charged off account. If the statutes have expired, you are under no obligation to pay it. However, it will remain in your credit report for a period of seven years as per the FCRA laws.

You can unburden your debt if you are aware of the SOL period in your state. It is calculated from the date of last activity in your account and if the statutes as per the state laws have expired, you can legally escape from paying it.

Collectors wait for you to make an activity in your account. Even if a particular account has gone out of your credit report, they wait to see you making an activity on it so that the collections can be brought back in legal terms. This account will again get reflected in your credit report and you will have no way but to pay it off.

Expiry of the SOL does not stop the collection agency or the creditor from collecting the debt from you. You will have to show your defense by mentioning the expiry of SOL. In case, the creditor sues you and you fail to prove your dispute of the expiry of the SOL, you might have a lost lawsuit and a valid judgment against you.

does anyone know the number to palisades for an at&t collection. I already have the 866-230-8094 and that number doesnt work and I need to try and get this off of my credit. Thank you

(800) 873-5648
(866) 230-8075

Document everything with these people, they are some of the worst. I have dealt with them myself. If it is legal in your state, I would record the calls with them.

They dont sent info.on your account. It like pulling teeth to even get them to go to the posted office to get your payment.

I just ran my credit report and found a collection account from Palisades. The only reason why I know that it is related to a ATT Wireless acct is because of the account number. I had a account with ATT 7 years ago and my credit has already been negatively effected, but it already got erased from credit because it been over 7 years old. How in the world can Palisades re-collect on a account that has already been resolved and written off?

If it is out of the SOL period, they can't legally collect on it. If they come up on your credit report, you need to dispute that through the credit bureaus.

Hi Tina

Welcome aboard!

collection agencies can make their attempts on unpaid accounts. These accounts might be out of the SOL period or out of the 7 years reporting time. You should be aware about the statues and the FCRA laws so that you can know how to deal with them and do not make a payment. Besides, on these occasions, a collector must not touch your credit file. They can only view it if they have a valid purpose. If they try to enter anything negative, dispute with them or get the bureau's attention.

Regards
Roxette

I have paid this bill and need copy of the statment showing that is been paid, please I need help.
Thank you

You can contact me at

email address removed as per forum rules - Vikas

Gilberto, you have landed in a forum discussing about the issues with Palisades. Get in touch with their customer care at

(800) 873-5648
(866) 230-8075

Send a letter to the CA to update your account with the credit bureau. They must notify the original company to update this account. It usually takes 30 days before the update is reflected in your credit file.

I also have a new addition to my credit report with palisades for an account with at&t that was charged after it was closed. At&t sent me a letter stating that I did not owe that money and that they would take care of it. Now, 3 years later, I have this $700 charge from At&t through Palisades(the first time they wrongly charged my closed account it was only for $200). Where did the $700 come from and how do I take care of this now, since I can't get in touch with At&t??

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Hi! I also have a claim through Palisades. I purchased a tv from best buy in November of 2004 with 12 months interest free on the Best Buy credit card. However, when I called to make a payment last summer (which was only 6-7 months into my supposedly 12 months free), I was told that my account was sold to Palasides and I was to make payments there. No one can explain to me why it was sold... and why it immediately showed up on my credit report - prior to the 12 months being up. Either way, I ended up making some substantial payments and am wondering now after reading everyones postings, did I do the right thing? And to boot, NOW, I have a company calling me called First Financial Asset Management, and when I questioned them on why they were calling and why it wasn't Palisades that was calling... they told me that they were in fact Palisades... but why is that not part of the company name? Plus, the phone numbers are totally different. This First Financial Group was telling me the other night that they need my bank account number to make automatic withdrawls to pay my balance, and if I didn't give it to them, than I would be taken to court by not showing any means to pay. Obviously, I didn't give them anything, cause I don't know who the heck they are! UGH!!! This is so frustrating, I'm so lost, and so confused!!! Anyone have any insight on where I go from here? Thanks!
AK

Ak,

First thing first, third party collection agencies should send debt validation. So mail them a request for validation. If they can validate the debt satisfactory then only you need to pay it. Keep us posted.

BTW, send it via CMRRR and keep the copies of your letter and the return stub as well.

They started out as Encore Receivable Management, Then leaving messages on answering machine number going back to NCO Financials, Then Pallisades, Now Pressler and Pressler counselors at Law. This has been over the course of 2 1/2 years. They have tried all the tricks e-1 speaks of. When disputed they change to another company. I believe they are the same person. Now they have Lawyers Stating: Important Notification.
This is to notify you that your delinquent acct which was previously owed to AT&T Wireless has been Purchased by Palisades Collection, L.L.C. and has been placed with the Law Firm of Pressler and Pressler for collection.

At this time, no attorney with this firm has personally reviewed the particular circumstances of your account. etc., etc.,

Note: Account numbers changed, and amount owed, from 942, reported by Encore now it says 1118.77.

They are just trying to make contact.
Thanks for they post I've always ignored phone calls and all. I will right a letter to dispute and take it from there.

Be careful though, after you get the letter from the lawyer stating 'at this time no attorney with this firm has personally reviewed the particular circumstances of your account...' you might get one more letter from them and then a summons at your front door. I definitely wouldn't ignore it. go ahead and send in your validation request but I thought at this point all you're going to receive is a statement of the last six payments you made on the account. If the account is in fact yours. this is experience speaking....been there done that.

I have a check in the amount of $187.00 to pay off this account,but I can`t find the right palisades to send the money to.can you help in this matter?
I hope so. Mrs. Jones

Got this info from BBB website search:

Palisades Collection, LLC
210 Sylvan Avenue
Englewood Cliffs, NJ 07632

Palisades Collection, LLC
87 South Commerce Way Suite 70
Bethlehem, PA 18017

Palisades Collections
PO Box 105460
Atlanta, GA 30348

Does anyone have the contact number for PALISADES COLLECTION LLC?

I made some mistakes. I gave them information before I found this site. I thought I was working towards resolving the issue, but apparently they had other ideas. After I sent the information I was told I'm a liar, and they had all kinds of evidence.

This steems from an AT&T Wireless acoount from 2000 that I thought the issue was resolved, but they made an entry on my credit report in 2005.

Will not give me an address, the person's name I'm speaking to, or a supervisor. Seem to be more interested in raising a person blood pressure than listening to what someone is saying.

I've filed a complaint with the BBB, FTC, and am now trying to reach the State's Attoney Generals office (sort of like trying to get Palisades address.

Quick question. I can't find any information on the Brookfield, WI office. It also looks like there is another office in Atlanta, GA.

They wont give me the account number without my social security number