topic Re: Need help with Palisades in General Credit Topics

Need help with Palisades

Anonymous — Thu, 16 Aug 2007 23:37:40 GMT

I recently received an added derog on all 3 of my CR's from Palisades. This was supposely bought from another collection company that the OC had turned over in 2001. I have no documentation of the First Consumers CC account with a balance of $792.00 from 2001. I did dispute it and they did validate it. It seemed like things were going good with my credit repair and now this. It hurt my credit score very much because it appeared as a newly reported account from 2-07. Any suggestions as to dealing with these yahoos? Do I have some leverage with the SOL? Thanks.....

Re: Need help with Palisades

Anonymous — Fri, 17 Aug 2007 00:24:13 GMT

cody wrote:
I recently received an added derog on all 3 of my CR's from Palisades. This was supposely bought from another collection company that the OC had turned over in 2001. I have no documentation of the First Consumers CC account with a balance of $792.00 from 2001. I did dispute it and they did validate it. It seemed like things were going good with my credit repair and now this. It hurt my credit score very much because it appeared as a newly reported account from 2-07. Any suggestions as to dealing with these yahoos? Do I have some leverage with the SOL? Thanks.....

Many of us are being hit with Palisades.

#1 check to see if they need a liscensed in your state.

#2 Check your SOL

If SOL is past DV them make sure that you send CMRRR

In DV letter tell them that you want full documentation with signiture and complete account history.DO NOT admit that the debt is yours.

Once they sign for DV watch CR they have a habit of updating all 3 CRAs almost every week.

I know that 2 of us have already filed complaints with FTC and we are both talking to lawyers about filing a lawsuit against them.

The statue says that you MUST contact CA within 30 days of being notified of the debt. If you just found it on your CR you are within 30 days.

You must send then a DV & tell thenm also that

Re: Need help with Palisades

Anonymous — Wed, 29 Aug 2007 16:14:27 GMT

I have an acct from Palisades that just showed up on my credit report. There is no account number and no OC information. I have no idea what this is. I haven't received a letter from Palisades. I want to send a DV letter. Can someone give me their address or fax # to send it to?

Re: Need help with Palisades

Anonymous — Wed, 29 Aug 2007 16:17:22 GMT

@Anonymous wrote:
I have an acct from Palisades that just showed up on my credit report. There is no account number and no OC information. I have no idea what this is. I haven't received a letter from Palisades. I want to send a DV letter. Can someone give me their address or fax # to send it to?

Palisades Collection LLC
210 Sylvan Avenue
Englewood Cliffs, NJ 07632

Re: Need help with Palisades

Anonymous — Wed, 29 Aug 2007 16:20:51 GMT

@Anonymous wrote:
I recently received an added derog on all 3 of my CR's from Palisades. This was supposely bought from another collection company that the OC had turned over in 2001. I have no documentation of the First Consumers CC account with a balance of $792.00 from 2001. I did dispute it and they did validate it. It seemed like things were going good with my credit repair and now this. It hurt my credit score very much because it appeared as a newly reported account from 2-07. Any suggestions as to dealing with these yahoos? Do I have some leverage with the SOL? Thanks.....

They back down quick. I suggest you DV them and then dispute again with all 3 CRAs. I just had 2 of these fall off my EX report this morning. They are still on TU and EQ but the investigation won't be done until Sep 8 so that doesn't surprise me. Here is the entire DV I sent them.....

your name
your address

Palisades Collection LLC
210 Sylvan Avenue
Englewood Cliffs, NJ 07632

July 16, 2007

Re: Collection Account #: xxxxxxxxxxxxxxxxx

To Whom It May Concern:

This letter is being sent to you in response to an entry made on my TransUnion credit report dated July 16, 2007. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for “verification” or proof of my mailing, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act.

You should also be aware that reporting inaccurate and unsubstantiated information to a credit reporting agency might constitute fraud under federal law. Additionally, you should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law. Your legal staff will agree that compliance with this request is required under the laws of Pennsylvania and federal statutes.

In addition to the debt validation form below, please attach copies of:

1. Agreement with your client that grants you the authority to collect on this alleged
debt, or proof of acquisition by purchase or assignment.

2. Agreement that bears the signature of the alleged debtor wherein he or she agreed to
pay the creditor.

I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate county, state and federal authorities as well as the Better Business Bureau for violations of the FDCPA, FCRA, and federal and state statutes on fraudulent extortion.

I also hereby reserve my right to take private civil action against you to recover damages.

Sincerely,

bamf70

Debt Validation Form

1. Name of the original creditor: ____________________

2. Original creditor account number: ____________________

3. Date you acquired this debt: ____________________

4, Balance of original account: ____________________

5 Detailed explanation of how you have calculated the amount of the debt being
claimed as currently due ($xxxx) if this amount is different from the original balance
reported by the original creditor: ________________________________________
___________________________________________________________________
___________________________________________________________________
___________________________________________________________________
___________________________________________________________________

6. Have any insurance claims been made by any creditor or assignee regarding this
account? (Circle one only) YES / NO

7. Has the purported balanced of this account been used in any tax deduction claim?
(Circle one only) YES / NO

8 . This debt was: (Circle one only) Assigned / Purchased

9. If Purchased from whom: ____________________

I certify that Palisades Collection LLC has obtained all information for this verification from the original creditor as required by the Fair Debt Collection Practices Act, 1 USC 1692g Sec. 809 (b).

_________________________________________ ____________ _________
Authorized signature for Palisades Collection LLC Signee’s Title Date

Please return this signed completed form and attach all assignment or other transfer agreements that would establish your right to collect this debt. Your claim cannot be considered if any portion of this form is not completed and returned with the required documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. If you do not respond as required by this law, your claim will not be considered and you may be liable for damages for continued collection efforts.

Re: Need help with Palisades

Anonymous — Wed, 29 Aug 2007 16:21:56 GMT

@Anonymous wrote:

@Anonymous wrote:
I recently received an added derog on all 3 of my CR's from Palisades. This was supposely bought from another collection company that the OC had turned over in 2001. I have no documentation of the First Consumers CC account with a balance of $792.00 from 2001. I did dispute it and they did validate it. It seemed like things were going good with my credit repair and now this. It hurt my credit score very much because it appeared as a newly reported account from 2-07. Any suggestions as to dealing with these yahoos? Do I have some leverage with the SOL? Thanks.....

Many of us are being hit with Palisades.
#1 check to see if they need a liscensed in your state.
#2 Check your SOL
If SOL is past DV them make sure that you send CMRRR
In DV letter tell them that you want full documentation with signiture and complete account history.DO NOT admit that the debt is yours.
Once they sign for DV watch CR they have a habit of updating all 3 CRAs almost every week.
I know that 2 of us have already filed complaints with FTC and we are both talking to lawyers about filing a lawsuit against them.
The statue says that you MUST contact CA within 30 days of being notified of the debt. If you just found it on your CR you are within 30 days.
You must send then a DV & tell thenm also that

I meet with my lawyer in about 3 hours. I will not pursue anything if they simply fall off my report. If they do not, then I have them on at least 10 violations so far.

Re: Need help with Palisades

Anonymous — Wed, 29 Aug 2007 21:04:06 GMT

I just got back from my consultation with the lawyer. He believes Pallisades has violated the FDCPA but he needs to verify something 1st. Because I like the OP never received a dunning letter or call if the DV I sent legally had to be followed. He is researching this and will let me know. Since Pallisades seems to be doing this as their SOP there is a chance that the DV requests we make are not legally binding them to cease reporting. However sending the DV and disputing with the CRAs has gotten their collections off my EX report and I am assuming EQ and TU will follow suit when the 30 days is up on 9-8-07. I suggest anybody who has Pallisades on their report DV and then dispute. I will update again after the lawyer lets me know.....

Re: Need help with Palisades

Anonymous — Wed, 29 Aug 2007 21:38:47 GMT

Keep me postd! I am DV'ng today! I have already disputed with the CRA as well. Would like to know what your lawyer finds out!

Re: Need help with Palisades

Anonymous — Wed, 29 Aug 2007 23:40:09 GMT

Will do

It seems Happy has a thread now where EX deleted their Pallisades entry....

Re: Need help with Palisades

Anonymous — Wed, 29 Aug 2007 23:45:46 GMT

be sure & send that DV CMRRR and copy everything!!!! even the GC

Re: Need help with Palisades

Anonymous — Wed, 29 Aug 2007 23:47:43 GMT

jtinfl07 wrote:
I have an acct from Palisades that just showed up on my credit report. There is no account number and no OC information. I have no idea what this is. I haven't received a letter from Palisades. I want to send a DV letter. Can someone give me their address or fax # to send it to?

If there is no account # dispute with the CRA...they must furnish you with complete acc # name & address or delete!

Re: Need help with Palisades

Anonymous — Thu, 06 Mar 2008 07:20:42 GMT

@Anonymous wrote:

@Anonymous wrote:
I have an acct from Palisades that just showed up on my credit report. There is no account number and no OC information. I have no idea what this is. I haven't received a letter from Palisades. I want to send a DV letter. Can someone give me their address or fax # to send it to?

Palisades Collection LLC
210 Sylvan Avenue
Englewood Cliffs, NJ 07632

Thank you Thank you for the above address

Re: Need help with Palisades

Anonymous — Thu, 06 Mar 2008 21:42:34 GMT

Anytime

I sued them last month and just got my Notice of Judgment against them for $5130.00 today

Re: Need help with Palisades

Anonymous — Fri, 07 Mar 2008 06:45:34 GMT

@Anonymous wrote:
Anytime

I sued them last month and just got my Notice of Judgment against them for $5130.00 today

Wow, please post how you went about suing them, what was due cause, etc. I really hate that my score was going up then they started showing up from nowhere.

Re: Need help with Palisades

Anonymous — Fri, 07 Mar 2008 13:09:54 GMT

Take a look for my thread on suing Palisades.

Re: Need help with Palisades

Anonymous — Tue, 08 Apr 2008 17:21:16 GMT

I have been fighting with Palisades and AT&T for a little over 3 years now since they appeared on my credit report.

Palisades states I owe AT&T the amazing sum of $32.65 for a number which I never had. I have had AT&T Cellular service since they were AT&T Wireless, then Cingular, and now AT&T Mobility. In all that time I have had the same number, with 2 family add on lines on the same account.

I have contacted AT&T (MANY TIMES) regarding the collection they placed, I am told no collection was never placed, that I am a great a loyal customer, but that there is nothing they can do.

When I contact Palisades I am told that AT&T will have to contact them to clear up the issue.

Doing what any good consumer would do I contacted all three credit reporting agencies and disputed the details. After verification Experian removed the item, Trans Union removed the item, Equifax said it was a valid collection!!!

I have since disputed the item with Equifax 4 times and placed a consumer statement on my file. Recently, I contacted AT&T again, and they transfered me to someone who said they would open a case and force Palisades to remove the item that was associated with my SSN. We will see.

I am curious as to how 2 out of 3 CR's remove the item, and the other repeatedly looks the other way as this company (which borders on criminal activity) is allowed to ruin our credit.

BONUS PROBLEM: I contacted Palisades after speaking with AT&T and they (James) informed me that I could no longer settle the debt or review it with him, I would need to contact Plaza Associates. When I contacted them they knew of no AT&T account and had nothing listed under my SSN, yet the item still shows on my report.

Re: Need help with Palisades

Anonymous — Wed, 09 Apr 2008 02:11:06 GMT

I don't know what to say, do you think you should send all your correspondence to Fair Credit Reporting Agency?

Re: Need help with Palisades

Anonymous — Wed, 09 Apr 2008 13:29:09 GMT

I would sue them-

Make a good paper trail- each contact, each dispute, each letter,

Get a letter from AT&T -

CreditSuperStar wrote:
I have been fighting with Palisades and AT&T for a little over 3 years now since they appeared on my credit report.

Palisades states I owe AT&T the amazing sum of $32.65 for a number which I never had. I have had AT&T Cellular service since they were AT&T Wireless, then Cingular, and now AT&T Mobility. In all that time I have had the same number, with 2 family add on lines on the same account.

I have contacted AT&T (MANY TIMES) regarding the collection they placed, I am told no collection was never placed, that I am a great a loyal customer, but that there is nothing they can do.

When I contact Palisades I am told that AT&T will have to contact them to clear up the issue.

Doing what any good consumer would do I contacted all three credit reporting agencies and disputed the details. After verification Experian removed the item, Trans Union removed the item, Equifax said it was a valid collection!!!

I have since disputed the item with Equifax 4 times and placed a consumer statement on my file. Recently, I contacted AT&T again, and they transfered me to someone who said they would open a case and force Palisades to remove the item that was associated with my SSN. We will see.

I am curious as to how 2 out of 3 CR's remove the item, and the other repeatedly looks the other way as this company (which borders on criminal activity) is allowed to ruin our credit.

BONUS PROBLEM: I contacted Palisades after speaking with AT&T and they (James) informed me that I could no longer settle the debt or review it with him, I would need to contact Plaza Associates. When I contacted them they knew of no AT&T account and had nothing listed under my SSN, yet the item still shows on my report.