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

soohfys, I am surprised why the CRA or the BBB does not have any contact number of Palisades. This CA has many disputed accounts regarding AT&T. Call them at 201-567-5648 and inquire about the reporting in your file. Be aware not to make any payment agreement until you have verified the details. Also, check the date of last payment on this account. It might be out of the SOL period. This account should have been automatically removed from your file after the 7 years reporting time. It is mentioned in the FCRA.

Luckily, I found this site after doing a search for "PALISADES COLLECTION, LLC". Have these folks lost their minds? I've never done business with AT&T Wireless, and they've billed me for over $1200.00!!!

Drew, dispute the account with Palisades. Check your credit file if they have put any negative remark. Collection entries hurt the scores severely. You must dispute the item with the CRA if it is shown in your file.

Send letter to Palisades for the details of the debt. Under the federal laws, they must give you the accurate information of the debt or send an apology letter.

I recieved a letter from the mail today saying that I have Case filed at City of Rio Hondo Case filed By Palisades Collection L.L.C. It was filled June 1,2006 it says I will recieved a summons after this but I don't know what is this and what company it is regarding.. I don't recieve any letter from them before they file this. May question is Are they allowed to just file this without sending me any letter what is this regarding for. really I don't know what account is this.. Please help me!

does anyone know more about the statute of limitations in California?

Jetsen, the SOL in California for written contracts is 4 years. The statutes on oral contracts expire after 2 years. What is the status of your debt account? Check the date of last payment made for verifying the SOL period. If the SOL has expired, no agency can force you to pay the debt unless you are willing to do some improvement to your credit. Read the FCRA for more knowledge on the SOL

Pallisades is on my credit report. I would like to pay this account but I dodnot have a account # or do I know you the original debitor is can you please give me some information on how to contact Pallisades. My email address is

email address removed as per forum rules - Mike

June rodriguez,

Know the details first from the company before making any payment agreement. After you are sure that the company is authorized for this collections and the debt is within the SOL period, propose a payment plan. Even if the debt is past the SOL, you can pay it off and improve your credit slightly. Most important thing is that you should clearly understand that they are having your account and the calculation of the debt is done properly. Here is their address info.

Palisades Collection, L.L.C.
P.O. Box 1274
Englewood Cliffs, NJ 07632-0274
201-567-5648

My mom has the same problem. She received a letter from court saying that pressler & pressler is suing her for breach of contract saying that she owes $561.00. This account was originally opened by my aunt without my moms authorization and we recently found out. Anyways, the letter from the court said that she had 30 days from the date the secretary sent her the copies,May24th (5 days after this lawyers filed May 19th) to answer the complaint. Well thanks god I came across with this website and got some ideas on how to answer to the court. I replied back and took the papers myself to court on June 9th which would give them 15 days to answer. I sent pressler & pressler copies of my response and sent copies to palisades collection to validate this debt certified return receipt.
Well on June 21st she received 2 letters from pressler & pressler (still no answer from the court) dated June 15th, saying that I did not answer the claim on time and due to that error they werent able to validate this debt, but they will still request from the original creditor a copy of the application or contract and if its received they will foward them to her. In the meantime they sent me a print out from their computer showing the total amount (made by them) like a bill basically also showing her social. It shows that she owes $542.05 not $561.00 like they put in the summons and its signed by a different lawyer from the law suit filed in court.
The second letter states that she must answer several questions within 30 days of receipt and return them certified to their office under the provisions of NJ court rule 6:4-3 and if they are not answered, judgement may be entered against her without trial. Then the second page following this one, looks like the papers you get from court but of course these arent from court, they were made them in their office. It says civil action interrogatories dated June 19th.
It says:

DEMAND is hereby made of defendant(S) for certified answers to the following interrogatories within the time prescribed by the rules of this court.

Now what court are we talking about??? They are lawyers!! and once again she hasnt received any papers from the court showing proof of their response showing that she needs to show up.
The first question basically asks to provide names, addresses, and dates of the people that used this cell number during the time they are charging her...
The second one asks to provide cell phone numbers used by my mom in the past six yrs.
Third asks to attach any documentation evidencing my moms mailing address between that time period (01-04) which should include copies of energy bills, mortgage loans, drivers lic, lease, etc... and list mailing addresses where my mom got each of these documents.
Then the last part says I certify bla bla bla... basically she has to sign certifying that she told the truth and that provided legit documents.

These people are scam artists!!!!! They of course dont have proof of debt validation, so they send these letter to scare my mom, showing that these papers come from the court when they were actually made in their office...Basically asking questions they need answers to. Should I counter sue them???
Then on top of that they said she never answered the complaint in time??? We all have proofs that we did. In fact the papers I took to court are stamped by the court and show that I made the correct steps..... Should I answer these letters or should I ignore them??? Thank you!!

"Should I counter sue them???"

Uuuumm, let me think for a second....HELL YES!!!!

Dude, do you know how much trouble they can get into for this? I'd sue them for $1000 for continuing collection after you sent a DV letter (continuing the law suit after you have requested validation is continuing collection activity), then I'd slap their ass with a separate extortion suit. Don't send them anything but papers from the person you want to serve them.

just wanted to mention that i saw in my local district court report of the paper that pallisades was taking a area resident to court. i hope she gets her case thrown out. if i new the person i'd run over tell all about pallisades

I hope that person gets fair hearing. Palisades often has large number of accounts that are disputed. Just thinking what the case with that person will be!!! He/she really needs to cover his back and put a strong fight in the courtroom.

Anyone? F' these Jerks. They cant speak English on the phone... also... can my work phone is recorded... do I have to tell them?

You need to check your state laws. Confirm the information with your local AG's office and see if you can do the recording secretly. In which state do you reside? I can help you in confirming the laws.

My mom jus received an apt. to go to court on sept 19th. That must mean that they sent more papers to court, but yet they failed to validate my moms debt saying that she did not answer in time. I dont understand what they are trying to do. Can anyone help? The receptionist told me on the phone that even though i responded in time to their first claim, I have to respond to this second letter they sent me. We are going to get a lawyer and will see what happens.

Came home to a notice on my door from the sheriffs dept. regarding a Civil process bureau and case number. Called a friend that is an attorney and was able to pull up the case number and said it is through Palisades. Went online, typed in Palisades Collection and see all the comments regarding rip offs and harrassment. Any words of advice??

Can you locate the debt Palisade is trying to collect? Do you owe it?

Is it still within SOL?

Has Palisade contacted you earlier? Have they validated the debt?

BTW, it is always suggested to respond to any legal notice. I think your attorney- friend can help you in this matter. Do let us know how it works.

Hi I just found out that I have this Palisades collection on my credit report. When I send the DV Letter does it have to have a lawyer's name on it?? Thank you

It's not mandatory to have a lawyer backing your debt validation approach to the collection agency. Most of the agencies are hard to deal with and a lawyer's presence makes a difference. If Palisades is doing an incorrect reporting in your credit report, you need to dispute the item with the bureaus and request immediate investigation. They will find out the actual reasons of the reporting. If it is incorrect, the item will be deleted. Check the FCRA laws about fair reporting in your credit report. The collection agencies are bound to follow the legal norms.

https://www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-credit-reporting-act

Palisades have there heads in there butts/ They posted a judgement on my credit report for 24,000. I called to check into the matter and the lady (Christine) tells me that it was a mistake but then she refused to do anything about it. I am still fighting with these people and have no idea how to get it off my credit report.

PLEGG, your credit report should not display wrong information about your credit. If this judgment has been posted incorrectly in your file, Palisades or the CRA must remove it from your file. You can use the FCRA laws to get this matter sorted out.

Highlight this item and send a dispute letter to the CRA reporting the item. They will check with the company and the wrong information will be immediately removed from your file.

This company is trying to collect for att as they indicate, and i have not had an account from att for 11 years., this is a fraud and the cosumer credit reporting agency needs to stop this practice. Write your attorney general in colorado, wisconson, pa, ca.
Etc.

When i Contact Palisades Collection they Gave me another Company (Merchant Credit Guide Corporation)
1-888-249-4134.

corporate-ir.net/ireye/ir_site.zhtml?ticker=ASFI&script=2100

LINK TO PALIDALES PARENT COMPANY.

I have seen this place sue a number of people. I am not very familiar with them but apparently they will take you to court. I would make sure to do something with them before it gets that far. They probably purchased it very cheap. .05 cents on the dollar..

i went to a free legal aid lawyer yesterday regarding my case and this guy is a joke. I think ive learned more in a month than he did for "years". He didnt even read the letters I sent pressler & pressler and the court. The first letter was asking for validation of debt, copy of contract, signed application, etc...well the lawyer tells me that I had to break down those sentences into question per court rule and send the plaintiff an interrogatory. I mean isnt the same thing? Then i told him how they replied back with 2 letters; one saying that i did not respond on time to the summons so they couldnt validate the debt (not saying that I didnt respond correctly) and the other one saying that i had to answer 3 interrogatory questions. He didnt even know that I had responded on time, and I had to get up and show him every single page with dates etc.... He then said that he couldnt help me because I had already started doing the process by myself. He only gave me a few advices. He said the judge cant garnish my moms check, my child support nor arrange a payment plan because she doesnt work and has no money to pay for it, and also because she was a victim of identity theft and she did not do this, she was a patient of cancer at that time. He then said that the judge could dismissed the case once I tell him/her that my mom asks to see her signature and proof that it is hers because the plaintiff will not be able to proof it and/or pay for someone to inevstigate it because it will cost them more to do that than it cost them to file for the small claims court. He also said to call pressler and ask them if they have filed judgment against my mom, if they say they havent, then i had to ask them if i could send them the interrogatory questions to be answered right away because I didnt know that I had to do that the first time. Now, if they had entered judgement then i had to go to court and file a motion vacant to appeal basically... My mom hasnt received any papers in the mail saying they filed for judgement. Hope they dont, but one thing I thought that i should not communicate with the plaintif over the phone just in writing and every single communication we have, I have to send to court because how will the judge know what has been going on if i dont send them copies?? The lawyer said, that i didnt have to send the court no copies of anything just the first letter and that was it. is he right about that? Then when i was walking out he goes "good luck" but being an ass!!! of course the government pays him so he doesnt care of what happens next. What you guys think?

For all those debitors getting calls from palisades collections, just want to let you know that you need to keep all documents for at least from the time you receive paid for bills with other agencies at home in a safe place. Statue is 7 yrs and sometimes more b/c they use the excuse we bought your account and others to collect. When you state that your debt is not paid, make copies of all paper work and send it to them. I worked for them for a few months here in pa and let me tell you they always say whether you owe the debt or not to pay it. Alot of debitors i spoke to never had anything in collections and still had to pay. Also for everyone one else, if you do have a debt with palisades collections, they are not caring what problems you have, they just want there money. Also they have a quota to meet every month. Palisades collection never sends you documentation to any debitors. They dont care what your excuse is. Do not verify any personal information to them at all. Palisades collection is a crock and i hope all of you read this very carefully. Go to bbb.org and type in the state where you live at and you will see that i am right. If anyone has any questions, pls do write a blog and i will try to answer all of the questions as i possible could. New info to: always settle your debts. Its quick and easy. All collection agencies pull your credit report to see if you can pay your debt. A lot of debitors have nice homes and some are poor but they still want you to pay full price, don't!!! Peace out!!

I have been reading alot about the blogs, just ask me a question and i will give the correct information. Ask me anything i mean it

THEY COLLECT ON:
CHASE BANK
HSBC
ATT
HEILGMEYER
ALL BANKS, MORTGAGES, AND LENDERS

yeah and who tells me that u dont work for them anymore?? anyways, my mom is filing a police report for identity theft and she will bring that to court, plus i am going to ask them for proof of my moms signature and to proof that is hers.. i know the judge will drop the case. thanks

by the way i received the judgement letter from pressler but i am filing the motion vacate today. this debt was never my moms, she was a patient of cancer, her identity was stolen. The only thing I did wrong was that I did not answer the interrogatory questions because they denied my letter when I asked them about validation, They said that I never responded on time when I actually responded 14 days or so earlier than the due date.

I too, had an AT and T debt I did not believe I owed assigned to Palisades. They claimed to not have an account for me when I called after receiving notice, needed my SS # ,etc. I refused to give the number, did not hear anything for a couple of years, then was contacted by an attorney. I settled for a lower amount than Palisades claimed I owed to clear up my credit report, then disputed the report. I sent certified letters with paperwork from the atorney stating the debt was settled to all three reporting bureaus. All three reporting agencies were told by Palisades that I still owe them money- do not list the remainder as forgiven... When I call the various numbers I have found for Palisades, I receive only recordings. I have four addresses for Palisades. What is my next step to clear my credit report of a debt I didn't owe to begin with! I ended a more tha 20 year land phone account with AT and T over this alledged cell phone issue.

file a police report for identity theft if you believe is not yours. You didnt have to pay a dime if you never had an account with them. plus you should read more and do some research, most accounts expire within 5-7 yrs.. I HOPE SOMEONE HAS AN ADVICE FOR MY CASE!!

For one, i do not work for them anymore. 2nd, ur best bet is to file a police report for identity theft for a few reasons: 1.- it saves u any more headaches 2.- if you dont show proof that you filed a police report, palisades will still find you liable for any bills you may have been receiving. 3.- it looks beter on your part end of the stick. 4.- and always get a copy of everything that you do. Saving copies can save you alot of headaches. 5.- report to credit bureau you have filed police report, that way they can wait for a response back from them. Remember once this is all settled, no matter what it will stay on your credit b/c there is a 7 yr statue plus if you have money to get it taken off, do so. It will give u merit on your part once again. Listen to me pls. I have had plenty of people curse me out above all of things. So pls do file a police report and you will save yourself a big headache in the long run. Enjoy your day

Thanks for your advice, my mom decided not to file a police report because she said she needs to talk to my aunt (the one that did it) before she proceeds. One question we ask is how about if they check how many times we have viewed the credit report and they find out that we know about this since 2004, how about if they then deny it or think that my mom was part of it?? I was the one checking her credit report constantly to see if there was anything new and used my credit card to purchase them. And i did discover not too long ago that she has some address in her file from VA, she has never gone to virginia and someone tried to open a loan down there in her name. The reason why she didnt do it right away is because she is a patient of cancer still under treatment, then my grandma came to this country to get an open heart surgery and time just flew by, plus my mom feels bad about it in a way because we came to this country with nothin and my aunt gave us everything. I know it doesnt justify what she did to her but the way my mom looks at it, its "we are family" If i was her i would of file a police report a long time ago cuz my aunt didnt care if we were family or not when she did this. Anyways, we filed a certification of opposition to the motion and we will go to the trial. What could happen now? If the judge rules against her, their is nothing pressler could do cuz my mom has no money and they cant touch her SSI check, pressler will need to drop it. They might try to do it later on, but in the meantime i have faith that my mom has settled everything with my aunt.

Hi, CC,

I got my credit report in low score because Palisades Collection LLC. When I called AT&T to show me the bills, they gave me Palisades phone number. I called the number and gave me another number and then another number and finally got into right person. He told me if I want to get AT&T bill in itemaze, I need write a letter to fax to them. The letter will be "I want more inforamtion before pursuing action" he gave me my case# and their fax number 614-865-2869. Do you think they can provide the detail AT&T bill to me? Also do you know their address?

Min

I have had a charged off account from At&t wireless that i had agreed to make payments to. Palisades contacted me by phone about a year ago but havent gotten anything in writing as of a bill in over 2 years. I asked them to send me another copy of the bill so i could start paying and they never did. I finally heard from a lawyer and they are sueing me in small claims court. Because they havent responded in writing what can io do?

Adrienne, verify the address used by Palisades if they have sent you anything in writing earlier. Your records should be in their system with correct data. If they can't prove their sending the letter, no actions will result against you even if the matter reaches in the court.

please provide me your phone number

I guess, you are looking for the phone number of Palisades Collection. Here it is - 201-567-5648

Has anyone been successful in getting their credit
cleared from Palisides Collection?

I have a friend that was just served court papers from Palisades Collection,LLC for an AT&T Wireless bill and he has never had a cell phone before. We are trying to prove this is a case of mistaken identity or something. Any help on what to do next would be appreciated. They are trying to sue him for over $3,000.

Hi all,

Has anyone been sent a supoena from palisades collections to appear in court over a matter? I find this odd that any collections agency would do such a thing or be so desperate to get a Deputy in Florida to serve a person.

Two years ago my daughter purchased an AT&T cell phone from a marketing company at a local mall. She told them she had bad credit, and would not qualify. The person told her she could use a reference with good credit and could obtain a phone. She used me (without my permission; the person needed my social security number for the reference. She signed the contract with her full name, address & a copy of her driver's license. The first bill came to her house with my name on it. She tried to call AT&T to change it, but they said since she was not me (my ss), they could not help her, nor would they put the phone in her name. She called me to tell me what happened, and we did a conference call with AT&T. They refused to put it in her name, and told me it was my problem, and they did not have to have a contract with my name on it. I told them to close the account with my name ($974). They said I would have to pay it first. They were charging her $600 for the two phones she had gotten and cancelation fees. They also stated it was between me and my daughter. I have the contract she signed, which also has a line "Guarantor Name" which is blank. They have been sending the bills to her for two years. (she has moved three times). Now it is on my CRA's. I have requested validation from AT&T, and Palisades sent certified...no response. I have also sent dispute letters and a letter for my files to the CRAs also certified. All I got back from CRAs is they verified the debt is mine. My daughter is on disablity because she has a mental condition, and sometimes does not understand the implications of her actions. I am going to see an attorney for advise, but don't know what sort of attorney....please help.

Palisades Collections, LLC /Asta Funding
210 Sylvan Ave.,
Englewood, NJ 076320

Arthur Stern - Chairman
Gary Stern - President & CEO
Mitchell Herman, CPA - EVP, CFO, Secretary
astafunding.com

Could any of you tell me if you were actually scheduled for a hearing in civil court?

yes i was wondering what it is and how can dispute mine i never even heard of them until i received this letter on 9/2/06 , and im clueless of the amount they say i owe .

Roxanne, if you are unaware of the item and request verification, Palisades will provide you the information after you have disputed it. Send your dispute letter through certified mail so that you can prove out your part of the story and that you didn't want to pay something you were unaware about. Try contacting the original creditor for this debt if that sounds easier. They will work with you if the account is not sold off.

I am feeling a little better knowing that I am not the only one confused by Palisades Collections. I recently obtained a copy of my credit report and low and behold there is a credit collection from Palisades listing AT&T as the original creditor. I still to this day have not heard fro Palisades themselves. The only contact I have had with them is the phone call I made trying to find out what why I have never heard of this issue before. I have made several calls to 'Cingular' who has taken over the accounts for 'AT&T' and I have still gotten nowhere. The account in collections was opened in August of 2005. I have had the same service since 9/2004. I have been told by the creditor that they are unable to verify any outstanding balances under my name. AR was supposed to have sent an email to Palisades informing them of the error. However, it seems that nothing has taken place. Every time I contact the creditor I go through the same procedures and nothing can be verified. I have just spent another 45 minutes on the phone to 'Cingular' to request a letter stating that the debt is invalid. However, I am referred back to Palisades to get additional information. I am so frustrated by this situation, which is why I began looking up Palisades and found this forum. I have not heard from the collections agency through any correspondence stating that there is a debt. I have had to contact them and they refer me back to the original creditor. I have disputed through the credit reporting agency and they come back as saying it is a validated debt. I feel like I am not getting anywhere with this issue. Tomorrow I hope that I will be making my last phone calls to all three of the agencies involved. I will then send certified verification letters to them and wait for a response. If I still do not get anywhere I guess my only other recourse is to obtain legal counsel to fight the matter. I don't really have the money to do this, but I think that this whole situation is wrong. If anyone has any other suggestions please let me know.

The credit bureaus is actually collecting the info what Palisades is providing. Have you sent validation letters to Palisades? Show the copies to your credit bureau mentioning that if the information put in your credit copy is correct, why Palisades is not validating the debt? Federal laws don't allow creditors, CAs or even the credit bureaus to report incorrect information. If you are disputing the item, you have the legal right to ask for the result of the investigation done by them in case you are not satisfied with the info given. You are showing them proof, let them also show you the same about their part of the investigations. The FTC link will help you understanding about your credit reporting.

http://www.ftc.gov/os/statutes/031224fcra.pdf