Palisades Collection in my credit report - what to do?

Joined: 26 Feb 2008 Posts: 4285 127 Magic Points

Thats what I have been trying to figure out aNTHONY. i CAN NOT SEE HOW THEY GARNISHED HIS

Joined: 26 Feb 2008 Posts: 4285 127 Magic Points

sorry...I can not see how they garnished his wages without a court hearing. Wouldn't he ahve recieved some type of summons by mail before they could take him to court? Is there a possibitity he didn't get the summons for the court date and missed it? If so I thought you actually had to sign to show you got it before they could take you to court. I am not real familiar about this process.

Joined: 03 Nov 2007 Posts: 3927 10 Magic Points

Did you pay the account off or do you have to pay money on it yet? Did your ex wife pay off the debt? Is she still on your account? You can go do a search on the better business bureau website. If you can't come on back and we will help you find it, just google bbb.org or the company name and you should be able to find it. goodluck, if you need us, we are here. You should register with us and get some points for your participation.

Joined: 26 Feb 2008 Posts: 4285 127 Magic Points

Sometimes it is easy to get upset when someone elses debt troubles your life. Call the agency again and let them know that you spoke to this kevin guy. Also is it possible to contact your ex and see what this debt is all about and if she took care of it?

Tara · Guest 0 Magic Points

I pulled up my credit report and there was this Palisades Collection Agency that I have never heard of. The original collector is GTE Southwestern Inc. I have never had GTE Southwestern in my name or have heard of it. How do I go about getting this off my credit. Do you have a # of Palisades so I can contact them and get this taken care of? Thanx

Joined: 26 Feb 2008 Posts: 4285 127 Magic Points

Hey a little busy at the moment but if no one else looks it up for you I will but you can google them and it will give you a web site and a number. If you think this is a fraudulent remark or listing on your report you have the right to dispute it.

Joined: 06 Jul 2006 Posts: 686 17396 Magic Points

Hi Tara
Palisades collection is a Collection agency to whom either your debt has been sold off by the original creditor or the right to collect the debt has been transferred by the OC. Now, since you are sure that you do not owe any debt to the original creditor, you should send a debt validation letter by certified mail and wait for 30 days from the date they receive your letter. If they cannot validate it within this period, send Palisades a second letter asking them to remove the listing from your report.

Joined: 26 Feb 2008 Posts: 4285 127 Magic Points

This is really good advise. You also should send the letter to Palisades requesting them to remove it from your report certified. This way if the do not validate and you can prove it and they do not remove ir from your report as asked (which you could prove by sendng the request by certified mail.) you would have preety good luck disputing it and getting it removed.

Joined: 03 Nov 2007 Posts: 3927 10 Magic Points

Definately send it certified, keep copies, keep all reciepts. Make sure that you send it return receipt and signature requested. I can not stress anything more than to keep your reciepts and signatures.

Joined: 26 Feb 2008 Posts: 4285 127 Magic Points

Hey Gn what is the difference between certified and return recipt requested? Is this the same thing and they automatically have to give a return reciept?

moose · Guest 0 Magic Points

my bill wasnt as much as they say i owe. any phone #'s

Joined: 26 Feb 2008 Posts: 4285 127 Magic Points

You can contact Palisades Collections at the following addresses
210 Sylvan Avenue, Englewood Cliffs, NJ 07632
990 Stewart Avenue, Garden City , NY 11530
87 South Commerce Way Suite 70, Bethlehem, PA 18017 and
8040 Excelsior Dr. Suite 200, Madison, WI 53717(201)
567-243-2438

Moose, here is the onfo I came up with. The bill is probaly higher do to interest and other fees. Most of the time these collection agencies add on lots of stuff to raise the bill..its never what you thought you owed. You problay will be able to bargain with them. They may settle the debt and agree to let you 50%-70% of the balance.

Bryan · Guest 0 Magic Points

The debt actually turned out to be mine. (Ex-wife ran up some old charges) but they were on my ID...so I'm responsible. Though I contacted Palisades to actually PAY the debt...Their demeanor was so hostile and confrontational that I almost hung up before the transaction. Do these people go through any training or just employed to argue? Some assitance would have been much more effective for resolution. I didn't call to argue with some teenager, but to pay the bill. Next time, I think I'll opt for tht attorney fee and save myself the headache.

Joined: 26 Feb 2008 Posts: 4285 127 Magic Points

Bryan, Believe me when I say we understand your frustration. Some of these companies thin they can just treat people rudely. I have heard much frustration from others before and even had a few workers come here and warn the members about working with their past company. They probaly give them 24 hour training and then a phone to start making calls with. Its over and done with now so just be glad of that. Hope your day gets better.

Joined: 06 Jul 2006 Posts: 686 17396 Magic Points

Hi Bryan
Palisades has a very bad reputation for their behavior. However, before making payments you should check whether the debt has actually been sold to them or not. You should first send a DV letter to be sure that Palisades actually owes your debt. If they can validate your debt, you should only pay it off, else you should not.

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