Complaint Review: Palisades Collection Agency

"J",

Look back in some of my prior posts. I have expanded on the mail fraud aspect. I have posted the contact info for the POSTAL INSPECTORS.

They are very much interested in this sort of thing. It does qualify as mail fraud, however, one complaint to them will not start an investigation.

They told me that if they get multiple complaints against the same entity that shows a pattern of fraud, they will get involved.

"J",

Look back in some of my prior posts. I have expanded on the mail fraud aspect. I have posted the contact info for the POSTAL INSPECTORS.

They are very much interested in this sort of thing. It does qualify as mail fraud, however, one complaint to them will not start an investigation.

They told me that if they get multiple complaints against the same entity that shows a pattern of fraud, they will get involved.

"J",

Look back in some of my prior posts. I have expanded on the mail fraud aspect. I have posted the contact info for the POSTAL INSPECTORS.

They are very much interested in this sort of thing. It does qualify as mail fraud, however, one complaint to them will not start an investigation.

They told me that if they get multiple complaints against the same entity that shows a pattern of fraud, they will get involved.

Linda,

The SOL in Fl is 4 years on most CC debt with the max SOL being 5 years.

Therefore the debt being collected is 6 years old and legally not collectable. it is dead.

Spend that money on something else.

Just laugh at them real hard when they call.

I admit, this civil stuff is new to me, what i don't understand, if you get mailed a letter, you dispute it. they re-age the account. mail all this false information back to you. then they sue you, you file a counterclaim

Why are these companies, not getting hit with mail fraud. from us or the Feds.

Mail fraud, consists of a scheme or artifice to defruad and a mailing for the purpose of executing the scheme

I admit the civil RICO statute, is very long and hard at first to understand, but if some of these people, that are paying attorney's, to help them, then why not go after them for that
If it requires two of more, wouldn't two or more letters fall under that.

I be interested to hear from our law students on this, and what there being told in school,

this is by no means, to start another war of words, most people don't understand the RICO laws

also do you have to use the civil RICO, to go after them for mail fraud?

thank you

This is a direct cut and paste from budhibbs.com another consumer advocate group and is applicable to your aged account ...

"Bud Says?

Also known as Asta Funding, a publicly held organization worth a LOT of money. Palisades Collections, LLC is their bottom feeder entity collecting on old, worthless accounts. Their up to now good reputation, is being flushed down the toilet with the illegal activity of Palisades.

Purchasing old debts is okay, however the law is quite clear that you must ?accurately? report information on credit bureau reports. Palisades Collections apparently is not aware of that law. The complaints we receive on them are for a lot of accounts out of statute, changing the dates of last activity on credit reports and grossly inflated accounts.

This could be construed as an attempt to inflate their portfolios to Wall Street to make them look better than they are, NOT an uncommon practice for a bottom feeder.

Palisades Collections needs to be confronted at every step with demands for debt validation. All of their tainted credit bureau reporting should be disputed; court suits MUST be vigorously defended. Challenge each and every document they file, assume they are bogus and manufactured. Palisades appears to be engaging in a lot of illegal collection activity and credit bureau reporting, they deserve to be sue at every opportunity by consumer law professionals.

Read how these greedy bottom feeders are making a fortune based on the misfortunes of others from their own website: corporate-ir.net/ireye/ir_site.zhtml?ticker=ASFI&script=700

I recommend you utilize the experts at: naca.net to go after these deep pocket icons of American enterprise. Let owners Arthur Stern, Gary Stern and Mitchell Herman know what you REALLY think of them and their dumpster diving business.

budhibbs.com"

i was a debt collector for 16 years. I know EVERY SINGLE angle from an insider point of view. I have spoken to over 100000 debtors in my tenure.

I believe i have an educated opinion here.

-first of all, like steve says, request by certified mail that they show proof of debt by getting a copy of the original contract. Chances are VERY high they dont have any of it. It is REQUIRED by the FDCPA to notify you in WRITING of a debt and produce PROOF.

When -not if- they obviously cannot do so, they AINT GOING to stop there. They will IGNORE your request and keep bugging you.

collection agencies live on this belief:

get as much as you can until you are sued enough to get shut down.

furthermore, it is NOT in your interest to pay a bill older than 2 years old anyways. You credit is already tarnished, and paying it RESETS the 7 year limit to report a debt.

COLLECTION agencies LOVE to 're-age' old debt because they bought it . I am CERTAIN that sooner or later, legislators are going to DENY collection agencies from reporting at all -as THEY NEVER LEND THE MONEY OR SERVICE in the first place.

The 're age' is ILLEGAL and when called on it -they simply remove it. How many people EVEN know they have done it?

collection agencies have the following motto:

RE AGE STATUTE BARRED OR OUTRIGHT PHANTOM DEBT until we get sued enough to get shut down.

the only thing you can do is sue the collection agency for attempting to collect a debt without legal proof that you owed it. You can also have another lawsuit for the detrimental re aging or ghost collection on your credit bureaus.


collection agencies have the following motto:

collect as much bogus or non provable debt as possible before we get sued enough to get shut down.

I too had trouble with Heilig Meyers. Although the account is so old (2000) who do I pay?

Whom should I contact? The collection agency is "Palisades Collections". I don't deny owing them, but how can I clear this up, when the company no longer exists?

Anyone out there know about the class action suit brought against Heilig Meyers? I hear that Palisades Collections is bogus? Please Help!

Thanks!

I ask who did you pay for a reason. If it was paid to a collection agency, they may have the record of it.

Also, while I believe you when you say that it was paid off previously, why do you blame Palisades? While debt purchasers are not the cream of the crop, they bought an account, which they are trying to collect on. Their definately has been something gone wrong, but something went wrong here for Palisades too. They were sold a bad account in this too.

Dear Jackie:

The burden of proof of debt is on THEM, not on YOU.

Compel them provide a validation of debt (which of course, they can't and if they could, are too [stoopid...that's how these people spell] stupid to provide anyway...you see, they hire mostly desperate people who are basically ruthless, more than likely ex-cons, losers, can't get any other job because they're in debt themselves, promise THEM big rewards and tell them "it's okay to 'bend' the law" because the "sheep" are too dumb to know any different).

You see, most educated people would prefer occupations where they don't threaten people, lie, bend the law. People who prefer "big money...low input" are the types you're dealing with in collection agencies.

Girlfriend, go after them, play their game better than them and you may end up with a few thousand bucks in your pocket because of their illegal activities (if you can prove it and should you choose to).

Send them this letter:

ABC Collections
123 NotOnYourLife Ave
Chicago, IL

Date

Re: Acct # XXXX-XXXX-XXXX-XXXX

To Whom It May Concern:

This letter is being sent to you in response to a notice (or insert phone call date and time) sent to me on (insert date or better yet, attach a copy of their so sad collection letter).

Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following:

What the money you say I owe is for;

Explain and show me how you calculated what you say I owe;

Provide me with copies of any papers that show I agreed to pay what you say I owe;

Provide a verification or copy of any judgment if applicable;
Identify the original creditor;

Prove the statute of limitations has not expired on this account

Show me that you are licensed to collect in my state and;

Provide me with your license numbers and registered agents;

At this time, I will also inform you that if your offices have reported erroneous information to any of themajor credit bureaus, this action might constitute fraud under both federal and state laws.

Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following:

Violation of the Fair Credit Reporting Act

Violation of the Fair Debt Collection Practices Act

Defamation of character for contacting any other person than myself regarding this alleged debt.

If your offices are able to provide the proper documentation as requested in the preceding, I will require at least 30 days to investigate this information and during such time, all collection activity must cease and desist.

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.

If your offices fail to respond to this validation request within 30 days from the date of this certified mail letter, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

I would also request that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.

It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose.

Best Regards,


Your Name

NEVER SIGN YOUR NAME only type it

(WHY: because these bottom feeders will scan your signature and fraudulently attach it to documents as an attempt to validate a debt or an agreement with them.)

Be SURE to send it certified or registered...above all, keep the receipt, attach it to a copy of the letter you sent and all their correspondence.

If they call, write down the time, date and whom you spoke with. This is invaluable if they do this after receipt of certified letter.

Jackie,

Whenever you are initially contacted by a debt collector just get their address and end the conversation. NEVER speak to a collector on the phone regarding a debt, always demand it be in writing.

Always immediately send a DEBT VALIDATION request. In this letter clearly dispute the debt, and demand to see whatever created the debt as well as a full account history and itemization of all charges. They would need all of this to win in court anyway.

The purpose here is that once validation is requested, all collections actions must cease, including the filing of a lawsuit.

Communicate only by certified mail, return reciept requested. Be sure to put the certified# on the letter itself, and kep a copy for your records. This is very important to do it this way.

Most of the time these are junk debt buyers who purchased very old debts for less than a penny on the dollar. They usually have little or no information to validate the debt with. And they know it.

You also have recourse against Heilig Meyers for selling off a debt that was paid off. I would countersue them. You can also sue the collections agency for filing a frivolous lawsuit. If they can't document it with hard evidence, it is frivolous.

Good luck.

Jackie,

Whenever you are initially contacted by a debt collector just get their address and end the conversation. NEVER speak to a collector on the phone regarding a debt, always demand it be in writing.

Always immediately send a DEBT VALIDATION request. In this letter clearly dispute the debt, and demand to see whatever created the debt as well as a full account history and itemization of all charges. They would need all of this to win in court anyway.

The purpose here is that once validation is requested, all collections actions must cease, including the filing of a lawsuit.

Communicate only by certified mail, return reciept requested. Be sure to put the certified# on the letter itself, and kep a copy for your records. This is very important to do it this way.

Most of the time these are junk debt buyers who purchased very old debts for less than a penny on the dollar. They usually have little or no information to validate the debt with. And they know it.

You also have recourse against Heilig Meyers for selling off a debt that was paid off. I would countersue them. You can also sue the collections agency for filing a frivolous lawsuit. If they can't document it with hard evidence, it is frivolous.

Good luck.

Jackie,

Whenever you are initially contacted by a debt collector just get their address and end the conversation. NEVER speak to a collector on the phone regarding a debt, always demand it be in writing.

Always immediately send a DEBT VALIDATION request. In this letter clearly dispute the debt, and demand to see whatever created the debt as well as a full account history and itemization of all charges. They would need all of this to win in court anyway.

The purpose here is that once validation is requested, all collections actions must cease, including the filing of a lawsuit.

Communicate only by certified mail, return reciept requested. Be sure to put the certified# on the letter itself, and kep a copy for your records. This is very important to do it this way.

Most of the time these are junk debt buyers who purchased very old debts for less than a penny on the dollar. They usually have little or no information to validate the debt with. And they know it.

You also have recourse against Heilig Meyers for selling off a debt that was paid off. I would countersue them. You can also sue the collections agency for filing a frivolous lawsuit. If they can't document it with hard evidence, it is frivolous.

Good luck.

And yet they still report as a paid (good) credit account on my credit bureau. Have you checked your credit bureau report? Is Heilig Meyers listed as paid? It's worth a shot...

I would file a motion with the court asking for discovery...and for Palisades to prove that they legally have the account and it's legal for them to try to collect; they may be trying to collect something that is past the statute of limitations. Actually, I'm not really sure on this, I would review other complaints here on ROR and look for responses from Steve from Bradenton Florida.

Good luck!