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Palisades collection refused

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scoreupper
Established Member

Palisades collection refused

I sent a Validation of Debt owed to Palisades collection LLC. I got the envelope unoped returned to me. What should be my next steps. Original crediter last activity is June of 2002. In Minnesota there is a 6 year SOL. The amount owed is now being reported to my credit report and I need help on my next step.
 
 
sent to:
Palisades Collection LLC
200 South Executive Drive - 3rd Floor
Brookfield Wisconsin 53005
 
this was my letter inside that i sen (still unopened)
 
 

September 18th, 2007

Palisades Collection LLC

200 South Executive Drive - 3rd Floor

Brookfield Wisconsin 53005

RE: Account Number XXXXXXXXXXXXXX4606



To Whom It May Concern:

It has come to my attention as of September 11th, 2007 that you have placed a derogatory remark on August 26th, 2007 to my credit bureau files referencing the above-mentioned account 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:

Defamation

Negligent Enablement of Identity Fraud

Violation of the Fair Credit Reporting Act

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Sincerely,


xxxxxxxxxxxxxxxx

cc: Equifax
Experian
Transunion

TU EQ EX 687 659 689 11/5/2007
700 669 689 12/7/2007
Message 1 of 13
12 REPLIES 12
Anonymous
Not applicable

Re: Palisades collection refused

Did you send this CMRRR?? If so  post office should have noted something on it...refused...incorrect addy....something.    Where did you get this address?
 
If not past SOL they WILL sue. They are nasty
 
My opinion  letter may be taken as a threat.   Read Noah's DV inf.
 
Message 2 of 13
scoreupper
Established Member

Re: Palisades collection refused

I absolutly sent it CMRRR and on the front it is stamped RUFUSED return to sender. on the green card still attatched to it it was signed by K. Bashaw. The amount is about 1100.00
 
Next steps anyone? I found the addy on line, since then I have seen multiple addys to diff places. Will this be enough if I am sued? I have since disputed with CRA and will update the status.
 
Help Please!
TU EQ EX 687 659 689 11/5/2007
700 669 689 12/7/2007
Message 3 of 13
scoreupper
Established Member

Re: Palisades collection refused

What was the amount and was it past the SOL, if not how far from? I am asking because I believe this may turn into a chess match with my SOL around nine months out.
TU EQ EX 687 659 689 11/5/2007
700 669 689 12/7/2007
Message 4 of 13
scoreupper
Established Member

Re: Palisades collection refused

 
 
Does anyone know how or where to look to see if the debt collector is acutaly licensed in my state?


Message Edited by fused on 04-13-2008 10:10 AM
TU EQ EX 687 659 689 11/5/2007
700 669 689 12/7/2007
Message 5 of 13
scoreupper
Established Member

Re: Palisades collection refused

OK did some work and came up with this.....
 
 
 
 
Collection Agency 20369636
Collection Agency Exemption 20596081   ENGLEWOOD CLIFFS NJ
Collection Agency 20596087                       BETHLEHEM PA
 
 
 
 


Message Edited by scoreupper on 09-24-2007 05:44 PM
TU EQ EX 687 659 689 11/5/2007
700 669 689 12/7/2007
Message 6 of 13
Anonymous
Not applicable

Re: Palisades collection refused

you need to get the address of of your CR.
Message 7 of 13
Anonymous
Not applicable

Re: Palisades collection refused

If you do not want to pay or do not want them to sue you,  I would let it rest until past SOL  which will be 2008....if DOFD was in 2002
Message 8 of 13
scoreupper
Established Member

Re: Palisades collection refused

this is whats on my report....No addys and I do not know what 08 Speigel Centurion is.
 
TU
Collection on debt to: 08 Speigel Centurion
The collection agency "Palisad Coll" was hired to collect a debt of $1,xxx originally owed to "08 Speigel Centurion" on account number "XXXXXXXXXXXXXX0000".
Collection agency [?] Palisad Coll
Original balance [?] $1,xxx
Current balance [?] $1,xxx
Status [?] Not Reported
Date assigned [?] Feb 03, 2007
Date reported [?] Aug 26, 2007
Original lender [?] 08 Speigel Centurion
Account number [?] XXXXXXXXXXXXXX0000
Account holder [?] Individual

EQ---shows as a regular account not under collections
 
Credit Account
 Palisades Status as of September 2007
Date of last activity [?] Oct, 2002
Largest past balance [?] $1,xxx
Credit Type [?] Open Account
Account holder [?] Individual
Scheduled payment amount [?] $0
Descriptions [?]
Collection account
No contact information provided by Equifax <-------------????
Balance [?] Current Status [?] Past Due Amount [?]
$1,XXX 120+ days past due $1,xxx
Seven year payment history [?]
30 days late 0 times
60 days late 0 times
90+ days late 0 times
 
EX
Collection on debt to: Speigel Centurion
The collection agency "Palisades Collection L" was hired to collect a debt of $1,XXX originally owed to "Speigel Centurion" on account number "XXXXXXXXXXXXXX0000".
Collection agency [?] Palisades Collection L
Original balance [?] $1,XXX
Current balance (as of Aug 26,2007) [?] $1,XXX
Status (as of Jun 01, 2007) [?] Account seriously past due date/account assigned to attorney, collection agency, or credit grantor's internal collection department
Date assigned [?] Feb 03, 2007
Original lender [?] Speigel Centurion
Account number [?] XXXXXXXXXXXXXX0000
Type of account [?] Unknown
TU EQ EX 687 659 689 11/5/2007
700 669 689 12/7/2007
Message 9 of 13
scoreupper
Established Member

Re: Palisades collection refused

My Beef is that the collection is whats holding my credit form the 700's I am 670-695 in scores and have no late payments for over five years...I am alomst 7 years post BK7. I have mortgages on two different properites a HELOC on one, multiple Credit cards and need to get to A paper credit to fulfill my wants, dreams and desires. This error is costin me money(or will soon)
 
The collection is reporting as a recent item not 2002 like it should If I did owe them there is only one account on my report that I have an balance due and its not the one listed by them. So the question is are they in violation of the Fair Credit reporting act?
 
I am soo frusterated and the fact that they refused my letter has fired me up. I hope I have provided enough information for assistance.


Message Edited by scoreupper on 09-24-2007 06:13 PM
TU EQ EX 687 659 689 11/5/2007
700 669 689 12/7/2007
Message 10 of 13
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