Palisades Collection – Delete Them from Your Credit Report
Palisades Collections is a collection agency. They are a subsidiary of Asta Funding. They collect on unpaid phone bills from AT&T and other unsecured debt.
However there are numerous individuals that dispute that they ever had an account with AT&T. There are also a number of people that have filed a lawsuit against Palisades Collection for violation of the Fair Debt Collection Practices Act (FDCPA).
They do not have a website and reportedly outsource incoming calls overseas. Thus even just finding a mailing address for them can be a task in it self.
There are offices in Pennsylvania and New Jersey and they are headquartered out of Wisconsin. However Asta Funding the parent company provides no contact information or physical address for Palisades.
When Palisades Collection is contacting you I suggest first requesting validation of the debt. However some people claim to have had their request ignored.
Unfortunately it seems as though Palisades Collection is operating outside of the law and with a form of immunity from prosecution. Thus your options for dealing with them are limited.
Instead of having communications with them, I recommend disputing the negative listing they have made. You dispute the listing with the credit bureaus by sending in a dispute letter. In this letter you must explain why the negative listing is inaccurate. Reasons include; the account is not yours, never paid late, account is paid in full, just to name a few.
There are allegations that Palisades has purchased individuals private information and then created fake accounts to try and collect on. There are multiple allegations of them engaging in this behavior.
Another way to deal with Palisades is to hire a professional credit repair service that has lawyers on their payroll. This way you will be able to ensure that your legal rights are being protected and this can be done at reasonable rate.
However you choose to handle this situation, use caution in any communications you have with them. Your communications can be used in a court of law by them to prove your guilt over an alleged debt.
In sum, use caution with Palisades Collection. I suggest hiring a professional to help remove a listing created by them. I also recommend not having any contact with them because they are not going to be concerned with anything you have to say outside of “here is my payment.
Filed under: Management