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

Submitted by imkimssister on Mon, 12/05/2005 - 13:10
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Anyone here ever heard of palisades collection agency??
Man, this is sooo wild!!! I go to the mailbox today and theres a letter from these people saying that my account has been 'sold' by my "previous" creditor to my 'current'creditor. They have the original creditor as being Chase Bank and the previous creditor as being Chase Manhattan Bank and have themselves as being the current creditor. Its for $962.61.
Okay, this is why this throws me off. Our home morgage was originally with Chase manahattan bank (the only dealings we've ever had with Chase, that I'm aware of), then in February 1998 (almost 8 years ago!!!) we refinanced with Aames home loans. They paid Chase totally off and that was that. Also, I have a second mortgage on my home, if we owed Chase any money, it would have came up then and we would of had to pay it before the second mortgage went through. But everything was fine.
I have never heard from any of these people from palisades collection llc in this letter. And to the best of my knowledge, I have only dealt with Chase during our first mortgage, before it was sold. 8 years ago!!! (february will be 8 years).
If we owed them money why didn't we hear anything over the past 8 years? weird! Aames paid everything off with Chase. My credit report shows that things were left in good standing with chase. If this isn't that, then I don't know what else it could be since I haven't gotten letters from palisades collection llc before TODAY.
I am floored, to the point I am speechless here. I mean, I start trying to get things straightened out, and then someone else pops up..people I have never even heard of. where do these people come from? Its like they come out of the wood work?!!!
okay, so my question is if anyone here has dealt with the collection agency before?? Anyone know Palisades collection phone number (Palisades collection number)?
And--what other accounts does chase manhattan Bank handle?
thank you! Shirley
p.s. Do I bring enough Drama to the forum??? lol
what would you guys do without me? lol


I am extremly confused by some "legal Advertisements" sent to me claiming that Palisades has filed a lawsuit against me! I have no knowledge of Palisades and came accross this thread via Google!

1. Can they file a lawsuit against me without discussing the account or claim of account with me?
2. If so what would you suggest I do next?


Submitted by on Wed, 03/12/2008 - 10:24

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I would not give my SS# when I called either. If you wait long enough they give you options. Press 5 to speak with someone. The phone number they had was not for us. Someone else had given our phone number. She said she would remove our number from their list. I will see if the daily phone calls stop now. I hope so.


Submitted by on Fri, 03/14/2008 - 13:49

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Palisades is also trying to collect on an AT&T account from me. I checked my credit report last fall, and they had reported the account. I DV the account, and the trade-line was deleted. Well, last week I received an "invoice" from them, so I responded to them saying that they never responded to my original DV letter. Yesterday I received from them some kind of "validation"---it was a computer printout of the last 3 invoice---or so they said. None of them were real invoices, just computer printouts. And, they included nothing about their legal right to colelct on it. Oh, another thing---the "original" debt is for $119, and Palisades is trying to collect $527!!! So, I am going to send yet ANOTHER letter requesting an agreement between them and AT&T allowing them to collect, and request an itemized statement, explaining to me how a $119 debt can turn into $527. And, I am going to tell them that I am going to contact AT&T, and if I do owe this amount, I will pay them directly. Nothing in any of their letters say that the account/amount was purchased by them or that they were assigned to collect the debt. I will deal with AT&T directly, and I will pay the $119 just to get them off my back.


Submitted by on Sun, 03/16/2008 - 09:50

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how did you get it off of your credit report? Who did you contact?


Submitted by on Mon, 03/17/2008 - 06:54

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Who are these people? And why are they messwing with me and my credit. Never heard of them before. HELP!!!!!


Submitted by on Mon, 03/17/2008 - 15:46

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Welcome to the forum Matt x, Palisades is a collection agency. They collect on defaulted debts (sometimes really old debts) I would suggest sending them a debt validation letter (you can find a good template for one in my signature) send it certified mail, return receipt requested.
You can send it to this address:

210 Sylvan Ave.
Englewood, NJ 07632


Submitted by JCEMT on Tue, 03/18/2008 - 05:20

JCEMT

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I , like many others here, are dealing with bogus claims for money due on a AT&T bill for my parents. They owe no money to AT&T! Why isn't this place being investigated? I have written to all the proper authorities, sent letters certified,, return receipt requested to Palisades and it is still not resolved. :evil: I have gone thru the validation letter request also. I just don't understand why nothing is being done via investigation of this company.


Submitted by on Tue, 03/18/2008 - 13:50

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HOW I CAN DO MY PAYMENT


Submitted by on Wed, 03/19/2008 - 14:05

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GP..there is sooo much fraud and soo many junk debt buyers and Ca's out there many operating under several different alias'.....it would probably take hundreds and hundreds of complaints to actually instigate an investigation.....
my biggest concern right now is that there are way more natural disasters occurring..we are at war...major companies are going belly up...so many other problems to deal with that this is all gonna get placed on the back burner and will continue to fester like a big


Submitted by socksfullofrocks on Sat, 03/22/2008 - 01:26

socksfullofrocks

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im just wondering. i was sent a letter by palisades for a att account for $1294 about almost two years ago for a bill dated back april 2000.i claimed it was fraud and asked for documentation. they sent me a fraud reporting paper and i filled it out with the police report and etc. they just sent me an bill with my name on it but the wrong addresses and said that the bill is validated!! i did sent them a letter back two years ago to send me proof withing 30 days and they never responded! and it being fromm 2000. can they sue me for this in nevada???


Submitted by on Mon, 03/24/2008 - 05:10

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Welcome to the forum cycoman702, if it is not your account then you did the right thing to dispute it, if you believe your identity may have been stolen then you should contact your local state police detachment or sheriff's office to see about filing a identity theft complaint. You may also wish to contact the creditor to file an affidavit on their part as well.

Per fdcpa once you send written request for validation they are to cease collection activity until validation is produced, in this case it appears they have not which opens them up to a civil suit for FDCPA violation. Additionally if the last date of activity was 2000 then the account would be past the Nevada statutes of limitations (6 years for contractual agreements) which would make it a time barred debt, meaning they cannot file suit for it legally. If they were to do so then you would just use the SOL as your defense. Also since this account is at least 8 years old then it should not be on your credit report, if it is I would suggest disputing it.


Submitted by JCEMT on Mon, 03/24/2008 - 05:46

JCEMT

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thank you jcemt. it took them almost 2 years to so called validate my so called dept. all they sent me was phone records and bills dated 2000!! do you think i should send them a letter saying its not my dept and inform them that the sol has expired and to quit persuing this dept??? by the way i have all my correspondence that i sent to them 2 years ago requesting everything. and they failed to do so in a timely matter.


Submitted by on Mon, 03/24/2008 - 06:47

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I received a notice from the sheriff in my county that there was an order for levies and wage executions in a civil matter. I contacted the sheriff's office today and they advised that Pressler and Pressler, representing Palisades Collection has :shock: won a judgement against me for approximately $350.00. I was never notified of a court date or served with papers indicating there was a case against me. About a month ago, I received a certified letter from Pressler and Pressler with a photocopied sheet asking for all of my personal information, bank account numbers, drivers license number, etc. The paperwork did not have anything official from the court on it, stamp, seal, a signature, docket number, nothing.
That request for information was the only communication I have received from them.

I had been advised from my bank a few months ago that my personal information was compromised in a security glitch and they said I should be on the lookout for this type of thing and provided a "gift" for my trouble of free credit reporting.

With this in mind, I figured the letter from Pressler and Pressler was a scam and did not respond. I did not think that anyone could send a sloppily photocopied sheet like this and have any credibility.

The gentleman I spoke with in the Sheriff's office today told me to contact Palisades and provided their number. He also said I am one of 200 cases they were just served with from this company and to be very careful when providing information to them. He said they are very rude and to tell them as little as possible.

I have yet to call them and wonder if anyone has any thoughts as to how to proceed with them. This is a valuable forum and I have read through the posts, but most are in the early stages. Can I contact the court and inquire as to why I was never contacted for my "case"? I do not even know whom Palisades represents for the $350.00 I supposedly owe!

I am stunned that this is legal.


Submitted by on Mon, 03/24/2008 - 14:26

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I ignored the first couple of calls and then finally did call. Got the recording and like a stupid head entered my social #. Is this what they are after because I did speak to a person and they said it was a wrong listing. I think I am skrewed.


Submitted by on Tue, 03/25/2008 - 12:55

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i was sent a validation from palisades saying my dispute was resolve and i still owe the bill. the thing they sent me was a computer type up of a phone bill back in 2000 with my name and names of two people i dont know and a address from florida and they been using three cellphones since 1999!!i never lived in florida and never got a bill or made a payment to att!! just need to know if i should send them another letter stating i never lived there and dont know these people and to add if they keep persuing that the sol is expired in nevada anyway???i disputed this account almost two years ago and barely got validation last month and i did file a fraud alert and sent disputes to transunion and etc. they said they investigated and deleted it off my report almost two years ago.can these idiots still bother me after i told them the letter??


Submitted by on Wed, 03/26/2008 - 13:49

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I don't know anything about this particular company except for posts..but are you above who have had these horrendous problems.... reporting them to the FTC... State attorney general...governor in your state etc? and anyone you can think of as well?..the fact that you have had to do all of this to clear up their mistakes and failure to validate...is a shame.......I think you need to step outside the box..alert creditors and credit reporting agencies but also alert anyone else you can think of..even your local news station or newspaper who can investigate these types of people..they need to be stopped and hopefully the more people who complain to everyone they can think of will get the snowball effect rolling downhill into play!


Submitted by socksfullofrocks on Thu, 03/27/2008 - 00:04

socksfullofrocks

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Does anyone happen to know what the applicable laws are in (TEXAS) as far as being able to put a freeze on bank accounts,or liens on property? A judgment was placed on me for an account with chrysler financial.I am not the primary account holder of my financial institution.Could they still track me? :?


Submitted by on Tue, 04/01/2008 - 19:18

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I have been trying for over a year to get a very small balance removed off of my credit by PALISADES COLLECTION. I have called AT&T and they are stating I do not owe this money. Believe it or not this was from an old cell phone from 1999-2000. This is crazy that all of a sudden this pops up on my credit report after 8 plus years. I have gone round and round with AT&T , they have tried everything they can to have it deleted as well .... I am at my wits end. I just bought my credit report from all three agencies and disputed the charges. I can not call these ppl because they are rude and very unprofessional...
If someone has and advise I would like your feed back

Credit Gal gone wild !!!


Submitted by on Fri, 04/04/2008 - 18:20

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Welcome to the forum CreditGal67.
I would suggest disputing it with the credit reporting agencies first. Let them know that 1. the account has already been paid for, and 2. The reporting period stated within the Fair Credit Reporting Act has already passed. At the same time you can send Palisades a debt validation letter (you can find a good template via my signature, be sure to print off the enclosure to send with it) send it certified mail, return receipt requested. If they do not provide proper validation per the letter but verify it with the credit reporting agencies then you can file suit against them for violations of the Fair Debt Collection Practices Act as well as the Fair Credit reporting Act. At this point I see at least $4,000 in statutory damages you can claim.


Submitted by JCEMT on Sat, 04/05/2008 - 04:40

JCEMT

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Is it possible for palisades to put a levy on your bank accts, is it legal? because palisades did this to my stepdaughter, it was also an att&t acct. The levy have been on it for over a month now, I told her I never heard of such a thing. I thought the Irs can only do that, never heard of a collection agency doing this. The law firm is Pressler & Pressler, can anyone tell me if this is legal.

alisa


Submitted by on Tue, 04/08/2008 - 11:45

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Unless there is something in the contract with the original creditor that would allow them to do so they would have to obtain a judgment via civil suit first. I would suggest having your step daughter check with the courts and see if a suit was filed. If not then they can get in big trouble trying to do this without a judgment.


Submitted by JCEMT on Tue, 04/08/2008 - 15:54

JCEMT

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A COLLECTION AGENCY HAVE BEEN CONTACTING ME ABOUT A CREDIT CAR BILL THAT IS 11 YEARS OLD. PLEASE TELL ME WHAT CAN I DO.


Submitted by on Tue, 04/08/2008 - 23:38

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If it's been 11 years since you last made a charge or a payment, it's out of SOL almost everywhere. I would send them a validation demand. Likely you'll never hear from them again.

Here's a template for the letter: http://forums.debtcc.com/collection-agencies/better-structure.html

Send it certified mail, return receipt requested, And then keep the little green receipt card safe against future need.


Submitted by unclewulf on Wed, 04/09/2008 - 04:14

unclewulf

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My Stepdaughter bank told her that they had a judgment thats why they were able to put the levy on all her accts and for double the amt. Can her bank allow this and if so how can she resolve this, this is something new I really never heard of such a thing that creditors can do this. This Palisades co. is something else, do you think she should obtain an attorney?? And also how were they able to do this w/o her info. Palisades told her that they will need her authorization to take the money out of her acct, I told her not to authorize anything until she get some kind of legal advice. At this point I really don't know what to tell her but to get some legal help, I can't believe the bank allowed them to do so. Anyway help is needed!!!!!


Submitted by on Thu, 04/10/2008 - 05:43

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My Stepdaughter bank told her that they had a judgment thats why they were able to put the levy on all her accts and for double the amt. Can her bank allow this and if so how can she resolve this, this is something new I really never heard of such a thing that creditors can do this. This Palisades co. is something else, do you think she should obtain an attorney?? And also how were they able to do this w/o her info. Palisades told her that they will need her authorization to take the money out of her acct, I told her not to authorize anything until she get some kind of legal advice. At this point I really don't know what to tell her but to get some legal help, I can't believe the bank allowed them to do so. Anyway help is needed!!!!!


Submitted by on Thu, 04/10/2008 - 05:45

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The first thing your daughter should do is check with local court clerk's office to see if a suit had been filed against her. If it has it depends on if she was served the civil complaint and summons. If not she can have the judgment vacated due to improper service.

If no suit had been filed they can get in big trouble for using a fabricated court document.


Submitted by JCEMT on Thu, 04/10/2008 - 09:36

JCEMT

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these guys are sooo professional!! i sent a out of sol notification to them and i got the little green card back. they signed it but did not put a date when they recieved it. maybe its just their way of saying oh,you sent it to us but we cant tell you when we got it!!! big a-holes!!


Submitted by on Thu, 04/10/2008 - 13:05

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these guys are sooo professional!! i sent a out of sol notification to them and i got the little green card back. they signed it but did not put a date when they recieved it. maybe its just their way of saying oh,you sent it to us but we cant tell you when we got it!!! big a-holes!!


Submitted by on Thu, 04/10/2008 - 13:05

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as a sapling and we I thought magnificent We need playing one night, suggested one night,


Submitted by on Sat, 04/12/2008 - 11:43

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his my dad as proud berries. came other things with box with whatever


Submitted by on Sat, 04/12/2008 - 11:43

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[quote=cycoman702]these guys are sooo professional!! i sent a out of sol notification to them and i got the little green card back. they signed it but did not put a date when they recieved it. maybe its just their way of saying oh,you sent it to us but we cant tell you when we got it!!! big a-holes!![/quote]

The missing date is a boo-boo courtesy of the US Pest Orifice. It's their responsibility to date it, then have the customer sign it.

Did you keep the mailing receipt [the green-and-white stub from the Certified Mail form]? That established when the item was mailed. Might be close enough for your purposes, I dunno.

For better info, go to the Post Office website [usps.com]. Click on 'Track and Confirm', enter the certified mail number, and hit Go. That should give you date and time of delivery. Since the green card is not dated, I'd do this:

Keep the green card [for the signature], a print of the usps.com confirmation page [for date/time of delivery], and the certified receipt [established mailing date]. Keep'em all together and safe. You'll be fine.

Certified letters are scanned on delivery, as well as at each stop along their journey. All of that info is available through usps.com.


Submitted by unclewulf on Sat, 04/12/2008 - 20:05

unclewulf

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thanks unclewulf! im just getting fed up with these people. i did everything they asked made a police report.even when the police said its past its reporting date and sent them that fraud report stuff but they still are trying to say this bill is mine by sending me a soo called validation bills fromm 2000. with my name and addresses i never lived at. two addresses! one from here and other from out of state!! but my s.s.n. data shows i have been working here the whole time!


Submitted by on Sun, 04/13/2008 - 04:32

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HUH? :lol:


Submitted by on Sun, 04/13/2008 - 12:34

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They do buy accounts from Chase and they are hard to deal with. I suggest you ask them to send you proof of the debt. But send it certified mail. They will file suit but it will take sometime. You should also look at the Statute in your state. Just in case its your debt.


Submitted by on Sun, 04/13/2008 - 21:53

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its not for a credit card. its for a att phone bill. and yes i asked for proof. so did the cra and they took it off my credit report cause they didnt validate with them. they just sent me a bull bill from 2000. and yes it is out of statues. i sent them a letter saying i know my rights and if they file suit ill say its a time barred debt that isnt mine which it isnt!!


Submitted by on Mon, 04/14/2008 - 00:50

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Ok, just so I make sure I understand you perfectly I'm going to outline the points of your posts.

1. They are trying to collect on a bill that does not belong to you.

2. The debt is out of SOL

3. They failed to validate it with the CRA's and it was removed.

4. You sent them a debt validation letter which they have failed to respond properly to.

This being the case, I honestly wouldn't worry too much about it. They can't use it to damage your credit, they can't sue you for it. Since it is not even yours I would suggest writing a complete cease communication letter instructing them not to contact you at all.


However, just keep tabs on your credit reports to make sure they don't try to sneak it back in there.


Submitted by JCEMT on Mon, 04/14/2008 - 05:34

JCEMT

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thanks for keeping my mind at ease jcmt. they cant sneak it in with the cra but im wondering how these snakes can try? my stuff is already on a fraud alert so do you think they would investigate each claim? i sure hope so.what would stop them from suing me at a state i never lived?


Submitted by on Mon, 04/14/2008 - 05:55

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For proper civil procedure they would need to sue you in the district which you currently reside in. If they do then you have your defense, if they don't serve you and win you can have it vacated for improper service. If they try to sue you outside your county or state you can dismiss it for improper venue.


Submitted by JCEMT on Mon, 04/14/2008 - 05:59

JCEMT

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I really appreciated everyone for their helpfull information I was having a hard time finding out palisades collection phone #.


Submitted by on Mon, 04/14/2008 - 17:09

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