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

question-I just received a court summons saying I have to appear because of a credit card debt and Palisades is listed as the plaintiff. What can I do to avoid going to court?

Hello, I hope someone can help me... i pulled my credit report and it shows that i owe money to AT&T and Palisades Collection has the case... I have never received a letter from them AT&T or Palisades. But after reading all this stuff it looks like fraud or something weird, thank you

I have read several threads on this Palisades collection agency. I have tried every number, and i understand that they are out of business. Also most of the threads are about ATand T. My credit report shows them collecting for Verizon. Has anyone else had this? I have tried the following numbers... 866-877-0008, 800-425-0006, 201-567-5648, 800-414-8319. The second number 800-425-0006 states that for two years Palisades has associated their company with them and they are not in any way linked or associated with them. The lady gave me the 800-414-8319 number which when dialed connects and then disconnects immediately like the 866-877-0008 number. This is a bit frustrating..... any help is appreciated! Thank you!!

Pond life

I do not know what that comment refers to but it is not a helpful contribution to this thread. If it is dirrected at the collector or the people here it is useless nonsense. I am bumping this up so the moderator of this thread can determine whether or not it should be deleted. If you have nothing to say that is constuctive I suggest you say nothing!

@stan:

Don't avoid court! Make them prove their debt, including whether or not they actually own the debt. There is no reason to avoid court. This is not a criminal case.

I checked my credit report today and found several outstanding debts. I'm looking to clean up my credit and so I've been trying to find the sources of different debts. Palisades Collection LLC, was listed on my credit report, listing a debt via AT&T. I called up AT&T because I could have sworn that the account was closed and paid in full. I'll be calling Palisades tonight, armed with this information. Is there anything I should do or shouldn't do when speaking with them over the phone?

I just got a collection notice from an old Discover account, from 1995! Are these people for real? I paid this account off..any one please help

If you already paid it off then just send them a cease communications letter telling them not to contact you at all. It's past the 7 year period so that can't do anything to your credit report and it's certainly past any states SOL as it's a 12 year old debt so they don't have any legal grounds to sue you.

I had to vol repo my truck in 2003 when I lost my job. Palisades purchased the debt and reported it to my credit bureau. To my understanding if the debt is fours old or more they could not do this. Also they sent in a letter from a lawfirm stating suit and judgment, can they do this considering the age of the debt.

What state do you live in, I'll be more than happy to look up the SOL for you.

I have Read this great history regarding dealing with Palisades. I am writing for validation on an account. However, I am wondering if you would comment on my particular case. I have never received a letter from Palisades. However I discovered they were reporting a collection account on my credit bureau reports. I disputed this report through the three credit bureaus; it then came back "validated". However I filed a second dispute through the credit bureaus stating that I believe the account not to be mine because no validation had ever been provided. The accounts were removed from the credit bureaus. Then I get this letter from Palisades asking for me to complete an affidavit that I had my ID stolen. Strange? I don't believe I ever claimed that, and I shouldn't reply to this...what do you think?

Are the accounts actually yours? If not there are government sources you would need to fill out ID theft forms with, I can get that information for you if you like.

John/ you mentioned the filing of a lawsuit, and the potential of having a "judgment" set.What exactly does that involve? If I refuse to file a written answer by said date, and don't go to court....What can they legally do? Can they gain access to my financial institution, and garnish the funds? What exactly is a "default" judgment? This debt is regarding the repossesion of a vehicle through chrysler financial. Palisades has bought the account.

John/ you mentioned the filing of a lawsuit, and the potential of having a "judgment" set.What exactly does that involve? If I refuse to file a written answer by said date, and don't go to court....What can they legally do? Can they gain access to my financial institution, and garnish the funds? What exactly is a "default" judgment? This debt is regarding the repossesion of a vehicle through chrysler financial. Palisades has bought the account.

A 'default judgement' can be issued if you do not answer the suit. In essence, by not showing up or whatever is required, you default on the case. The court can enter a judgement against you because you didn't give'em any reason not to.

http://en.wikipedia.org/wiki/Default_judgement

Once the court enters a judgment,what proceeds thereafter? I thought only the original creditor could sue.Has anyone else on this post had this situation come about? I really just don't want to deal with them. So many negative thing's have been said regarding their practice, that I'm not sure if their legitimate.Any advice would be much appreciated.(thank's for your response unclewolf)

I'm sorry...UNCLEWULF!!!!

Ross I'm sorry, but I can't help with what comes after. Haven't been in that situation myself, nor have I researched it. Been too busy concentrating on research for my own woes at present. I would presume that it's similar to regular collection attempts, only with more teeth. I'm sure somebody with more knowledge will check in soon.

ross wrote:
Quote:

So much for the 'Remember Me?' feature on the login page.......

Ross,
If a judgement is won against u, a number of things can happen. They can garnish ur wages, if app in ur state, put a lien on ur property, freeze ur bank accts and levy any assests u may have. Also, this will stay on ur credit report for a long time to come and hurt ur scores tremendously.
Hope this helps u some,
Ang
P.S. Also a CA can sue u for this debt, doesn't have to be OC.

Thanks for the bit of info, Ang. Guess I will just keep researching the possibilities.....

All of a sudden i am experiencing a try for collection on an old acct thst is 10 yrs old at least and is really not my debt as it is the debt of my x when we got divorced 10 yrs ago, I am not sure I have seen this on my credit report, I have a couple of negitive things, and one judgement from long ago and this is part of divorce as well, it is due to dissapear soon, I do not know who these guys are, wolpoff & Abramson, but I think the are full of it. I have pleanty of good credit, and could care less if they are after me, i have no assets, I am a server , and do not receive a paycheck and do not have a checking acct. I deal in cash only and have since my divorce, I pay my credit cards with cash and my Ins with cash, my rent in cash, and my car is paid for and is 10 yrs old, not worth much, I did send them a letter or e-mail in response to the attempt to collect over 3 grand, I have no idea what this is, and I have a strong suspicion that this acct was charged off a long time ago, it is my understanding that it is illeagle to try to collect on something that has been charged off, should I worry about them??

They already have your SS# since they are going to go after your credit. They use ist as a tracker. I finallyt had my case thrown out in court today after 2 years of asking for debt validation. What I have learned is that you should ask them to validate the debt and require that if they have not done so within 30 days to stop all actions to the Credit Agencies. If they do not they are in violation of the FCRA and you need to file a claim in couurt against them immediately.

Thank you Roxette for the letter. What do I do if they have my account but they have never contacted me via mail or phone and they still have derrogatory remarks on my report.

Please advise

I just got my credit report and found a palisades account about verizon, the best part is i have never had anything to do with this company, in the part of account status says automated account, i really dont know what is this about and what can i do, so ill really apreciate any comment or sugestion that you have because after reading all kinds of bad things of this company obviusly is a fraud, thanks

My son just got a ca stating he owes them money for an acct. that purchased from Great Seneca, that was purchased from Citibank-TOTAL CONSUMER NON-FEE and that he owes a to of over $1,000.00 but if paid within 20 days he gets a 50% discount. He hasn't lived here in over 5 years. He had financial problems over 2 years ago but everything was taken care of, now this. How do you check to see if this is legal or just a scam? HELP THIS CONCERNED MOTHER!

I been served to show up on court with Palisades sueing to pay for money on an account i have not heard of for a little over $1,000 dollars. What should I do? :

I just want to know how to contact them and find out where the 417.00 charge came from and how to pay it.

marty28, Just ignore them....i was served also....as far as my credit goes....not really concerned.It's already wasted, so not much more they can do to hurt it.... If your credit is still in good standing, i would definetely find out what it's about and get it taken c/o. I think the court thing is yet just 1 more scare tactic... it's most likely disputable.Good Luck!

Watson, You can contact them in writing,or by contacting one of the 3 credit bureaus, if it appears on your credit. The address that I have is as follows:Palisades Collection LLC,210 Sylvan Ave.,Englewood Cliffs,NJ. 07632. Sorry, I don't have the phone #! But if you read through this blog, I'm pretty sure you will find it...

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If you were served a summons do not ignore it! If you do they will receive a default judgment. get yourself a attorney, I would suggest one from naca.net
Ask the attorney about including debt validation during the discovery process.

:twisted: :twisted: :twisted: :twisted: :twisted: :twisted: :evil: :P :evil:

I'm guessing your the guest that told Marty to ignore the summons. If that is the case I would wager that you work for Palisades. It would be a typical dirty tactic used by someone from there. We are educating consumers on this site, watch out.

Don't go getting all paranoid...I don't work for Palisades. I'm with the FBI. :lol:

So whats with all the devilish emoticons? Seems like the user who posted that was either feeling mischievous/malicious/upset about something. Which was posted after I warned them to answer the summons.

it wasn't me :twisted:

[quote=Guest]Don't go getting all paranoid...I don't work for Palisades. I'm with the FBI.[/quote]


Yeah. Sure. Right.

I just received a notification from Experian that Palisades has updated the information on my supposed debt with them, which means that they are stating that it is a valid debt. After contacting AT&T Wireless, they have no records of any outstanding debt with their company and they instructed me to contact Palisades, LLC with a certified letter, requiring them to validate this "debt".

Does anyone have a form letter that I might be able to use to send to Palisades for this purpose?

Yes, I do. Use the first link in my signature for a good debt validation template.

Send it certified mail, return receipt requested. That way they will be required to sign for it, and when they do, a copy of that signature as well as the date and time of receipt will be sent back to you. If it ever comes down to a prove you requested it case, theres your proof

Hello Does anyone have this Palisades Collections, LLC address? I just found that it is on my credit report but I have no address...
Thanks!so much!

Here you go:

Palisades Collections, LLC

aka- Asta Funding, Inc.

210 Sylvan Ave., ZIP: 07632

Englewood, NJ 07632

Phone: 800-991-9367

Hope this helps

I'm in the process of contacting my pre-military creditors. I'f someone could help me out by sending me the contact info. for palisades collection company it would be most helpfull. Thank you for your time.

:roll: It's right above you dude! Look up! (look @ the last response before your's) Why does everyone keep asking the same thing over and over and over!! I'm sure you could find it if you scrolled through this post enough.....jesus f#*#*#g christ! :twisted:

I just recieved a summons to court for a 856.00 bill from att that palisides owned.i contacted the attornesy office for palisides and he told me i can pay 1400.00 to keep it from going to court.i asked for a break down of the costs and he said he cannot give me that info.i then called palisides and they said i have to deal with there lawyer.the initial att bill was less that 200.00 is it worth going to court to fight this for these outragous mark ups or should i just pay it and not inquire any more court cost?

This is my first call from them, but at 8:30 on a Sunday morning I had to figure out who would call at that time. So I googled the 201 number. I don't have any unpaid debt that I know of, and I dont have a cingular or att account. What can I do to stop this BEFORE it becomes a problem? How do I check my CR report (for free- and I mean, really free) and make sure I'm ok?

Go to annualcreditreport.com. You can get the federally-mandated free reports there.

just got served by our local court in a civil matter with The Palisades Collection Agency, LLC. of nj, this is the first time we heard of this , if we fall be hind we made arrangemens to pay this off / bucks county family in dispare any subjection it for AT/t for 1000

just got served by our local court in a civil matter with The Palisades Collection Agency, LLC. of nj, this is the first time we heard of this , if we fall be hind we made arrangemens to pay this off / bucks county family in dispare any subjection it for AT/t for 1000