Complaint Review: PALISADES COLLECTION L.L.C ASSIGNEE OF AT&T

BillColl01,

I am doing a copy and paste here and simply annotating the affected areas of the post, as there are just too many things to address. I am matching points as you requested.

You wrote>>

"EDUCATION IS THE KEY"
MICHEAL
STEVE HAS IT OUT FOR COLLECTION AGENCIES & HAD SAID AS MUCH. THERE IS A BIG DIFFERENCE BETWEEN MAKING SURE ONES RIGHTS ARE NOT VIOLATED & PULLING A SCAM TO TRY TO MAKE MONEY.
**I have NEVER "pulled a scam" to make money. If the debt collector is too stupid to follow the law, that is not my fault. I simply hold them accountable for THIER illegal activities. Thats it. No "scam" here.
AS I HAVE SAID ON HERE MANY TIMES, IF AN AGENCY OR ANY OTHER BUSINESS FOR THAT MATTER, VIOLATE A PERSONS RIGHTS THEY SHOULD BE HELD ACCOUNTABLE.
**That's all I do, nothing more.**YOU ARE WRONG ON ONE POINT THAT YOU BROUGHT UP, STEVE HAS SAID MANY TIMES SINCE I HAVE BEEN ON THIS SITE, NOT TO PAY CHARGED OFF OR COLLECTION ACCTS. NOW, IN YOUR POST YOU INSINUATE THAT I AM AFTER SOME COMMISSION & THAT I AM TRYING TO GET PEOPLE TO PAY BILLS WHETHER OR NOT THEY OWE THE BILL! SHOW ONE POST THAT I HAVE EVER DONE WHERE I SAID EITHER OF THOSE THINGS.
**I have never stated anything like that. You are totally wrong. I challenge you to find of the said posts vebatim, and post it here.**

IN CASE YOU HAVENT ACTUALLY READ MY POSTS(LIKELY) BEFORE MAKING ASSUMPTIONS , I HAVE NOT BEEN IN THE COLLECTION INDUSTRY FOR ALMOST A YEAR & HAVE NO BENEFIT TO SOMEONE PAYING A BILL THAT THEY DONT OWE. WHAT STEVE PROVIDES ON HERE, IS COOKIE CUTTER/ONE SIZE FITS ALL ADVICE. A PERSONS FINANCIAL SITUATION IS LIKE A SNOWFLAKE, NO TWO ARE EXACTLY THE SAME. ITS LIKE PEOPLE THAT GIVE LEFT OVER PILLS TO THEIR FRIENDS BECAUSE THEY FIND OUT THAT THEY SHARE A PARTICULAR AILMENT NOT KNOWING THE OTHER PERSONS MEDICAL HISTORY & THE SIDE EFFECTS THAT THEY COULD SUFFER.
**Totally irrelevant nonsense here. Just pure nonsense and jibberish. I simply share what has worked for me, and others I know. I have made it clear on several occasions for people to get specific legal advice**
WHAT WORKS FOR ONE PERSONS CREDIT MAY NOT WORK FOR ANOTHERS SITUATION. STEVE SAYS YOU SHOULDNT PAY A CHARGEOFF BECAUSE IT DOES NOTHING GOOD FOR ONES CREDIT. THATS NOT ALWAYS THE CASE. MOST CREDITORS ARE OPEN FOR A DELETION OF THE ENTIRE TRADELINE IN RETURN FOR A LUMP SUM OR CONVERT AN ACCT TO R1 OR I1 STATUS FOR CERTAIN ARRANGMENTS
***You STILL don't get it! The "creditor" is no longer in any way involved with a sold, charged off debt! AND, a junk debt buyer or third party collection agency CANNOT change the negative entry of the original creditor. Therefore, once again, you prove that you either cannot read, or you have no idea of what you are taliking about!**HIS WAY OF DEALING WITH COLLECTIONS DO ES NOT MAKE THE DEBT GO AWAY AS HE LIKES TO MAKE IT SEEM.
**Actually a debt that is past SOL DOES just go away, as it is no longer legally collectable. From a LEGAL standpoint, it no longer exists. The MAJORITY of third party debt collectors collecting on sold debts are past SOL. That is a verifiable fact**THE ONLY WAY TO DEAL WITH CREDIT ISSUES IS TO MAN UP OR WOMAN UP & JUST DEAL WITH THEM. THE SAD PART IS THAT I SEE STEVE GIVING SOME INCREDIBLY GOOD ADVICE TO CONSUMERS THAT ARE NOT IN DEFAULT. LIKE A OP YESTERDAY THAT COULDNT GET IT THROUGH HER HEAD THAT HER CAR PAYMENT NEEDS TO GO OUT IN PLENTY OF TIME TO GET IT.

I BELIEVE THAT STEVE IS TRYING TO HELP, BUT HE WEIGH HIS HATRED FOR COLLECTION AGENCIES AGAINST WHATS BEST FOR THE CONSUMER INVOLVED.
**My only hatred is for IRRESPONSIBLE, UNEDUCATED and overzealous THIRD PARTY DEBT COLLECTORS and/or JUNK DEBT buyers**HE KNOWS IM RIGHT OR HE WOULD MATCH POINTS INSTEAD OF PICKING AT PEOPLE HE DISAGREES WITH ON SUCH UNIMPORTANT THINGS AS TYPE-O'S, SPELLING OR CAPS. NOT ALL OF US SIT ON ROR ALL DAY
& SPELL CHECK LIKE HE DOES.
**I have just matched points with you, AND I don't sit on ROR all day. I actually have a full time job, and that is not anywhere near a computer with internet access
**HE SEEMS TO THINK THAT KEEPING THESE POST AT THE TOP OF THE LIST SOMEHOW HURTS ME, BUT THE MORE OF THESE ATTACK POSTS HE WRITES, THE MORE PEOPLE ARE GOING TO FIGURE OUT THAT THIS GUYS GAME IS LIMITED TO A FEW COOKIE CUTTER IDEAS.
**I have been on this site for years, so all of the regulars know exactly where I am coming from. You are the only newbie having a problem understanding. I have THOUSANDS of posts and rebuttals on this site!**HE IS RIGHT ABOUT ONE THING THOUGH 'An educated consumer / debtor cannot be tricked or taken advantage of' TOO BAD HE FOLLOWED THAT UP WITH A PARAGRAPH OF NONSENSE. EDUCATION IS THE KEY TO BEING A GOOD CONSUMER. IF STEVE REALLY WANTS TO HELP HE WOULD WRITE TO HIS LOCAL SCHOOL SYSTEMS & URGE THEHE CURRICULUM AS I & ALL MY CLIENTS DO.

MICHEAL
STEVE HAS IT OUT FOR COLLECTION AGENCIES & HAD SAID AS MUCH. THERE IS A BIG DIFFERENCE BETWEEN MAKING SURE ONES RIGHTS ARE NOT VIOLATED & PULLING A SCAM TO TRY TO MAKE MONEY. AS I HAVE SAID ON HERE MANY TIMES, IF AN AGENCY OR ANY OTHER BUSINESS FOR THAT MATTER, VIOLATE A PERSONS RIGHTS THEY SHOULD BE HELD ACCOUNTABLE. YOU ARE WRONG ON ONE POINT THAT YOU BROUGHT UP, STEVE HAS SAID MANY TIMES SINCE I HAVE BEEN ON THIS SITE, NOT TO PAY CHARGED OFF OR COLLECTION ACCTS. NOW, IN YOUR POST YOU INSINUATE THAT I AM AFTER SOME COMMISSION & THAT I AM TRYING TO GET PEOPLE TO PAY BILLS WHETHER OR NOT THEY OWE THE BILL! SHOW ONE POST THAT I HAVE EVER DONE WHERE I SAID EITHER OF THOSE THINGS.

IN CASE YOU HAVENT ACTUALLY READ MY POSTS(LIKELY) BEFORE MAKING ASSUMPTIONS , I HAVE NOT BEEN IN THE COLLECTION INDUSTRY FOR ALMOST A YEAR & HAVE NO BENEFIT TO SOMEONE PAYING A BILL THAT THEY DONT OWE. WHAT STEVE PROVIDES ON HERE, IS COOKIE CUTTER/ONE SIZE FITS ALL ADVICE. A PERSONS FINANCIAL SITUATION IS LIKE A SNOWFLAKE, NO TWO ARE EXACTLY THE SAME. ITS LIKE PEOPLE THAT GIVE LEFT OVER PILLS TO THEIR FRIENDS BECAUSE THEY FIND OUT THAT THEY SHARE A PARTICULAR AILMENT NOT KNOWING THE OTHER PERSONS MEDICAL HISTORY & THE SIDE EFFECTS THAT THEY COULD SUFFER.

WHAT WORKS FOR ONE PERSONS CREDIT MAY NOT WORK FOR ANOTHERS SITUATION. STEVE SAYS YOU SHOULDNT PAY A CHARGEOFF BECAUSE IT DOES NOTHING GOOD FOR ONES CREDIT. THATS NOT ALWAYS THE CASE. MOST CREDITORS ARE OPEN FOR A DELETION OF THE ENTIRE TRADELINE IN RETURN FOR A LUMP SUM OR CONVERT AN ACCT TO R1 OR I1 STATUS FOR CERTAIN ARRANGMENTS HIS WAY OF DEALING WITH COLLECTIONS DO ES NOT MAKE THE DEBT GO AWAY AS HE LIKES TO MAKE IT SEEM. THE ONLY WAY TO DEAL WITH CREDIT ISSUES IS TO MAN UP OR WOMAN UP & JUST DEAL WITH THEM. THE SAD PART IS THAT I SEE STEVE GIVING SOME INCREDIBLY GOOD ADVICE TO CONSUMERS THAT ARE NOT IN DEFAULT. LIKE A OP YESTERDAY THAT COULDNT GET IT THROUGH HER HEAD THAT HER CAR PAYMENT NEEDS TO GO OUT IN PLENTY OF TIME TO GET IT.

I BELIEVE THAT STEVE IS TRYING TO HELP, BUT HE WEIGH HIS HATRED FOR COLLECTION AGENCIES AGAINST WHATS BEST FOR THE CONSUMER INVOLVED. HE KNOWS IM RIGHT OR HE WOULD MATCH POINTS INSTEAD OF PICKING AT PEOPLE HE DISAGREES WITH ON SUCH UNIMPORTANT THINGS AS TYPE-O'S, SPELLING OR CAPS. NOT ALL OF US SIT ON ROR ALL DAY
& SPELL CHECK LIKE HE DOES. HE SEEMS TO THINK THAT KEEPING THESE POST AT THE TOP OF THE LIST SOMEHOW HURTS ME, BUT THE MORE OF THESE ATTACK POSTS HE WRITES, THE MORE PEOPLE ARE GOING TO FIGURE OUT THAT THIS GUYS GAME IS LIMITED TO A FEW COOKIE CUTTER IDEAS. HE IS RIGHT ABOUT ONE THING THOUGH "An educated consumer / debtor cannot be tricked or taken advantage of" TOO BAD HE FOLLOWED THAT UP WITH A PARAGRAPH OF NONSENSE. EDUCATION IS THE KEY TO BEING A GOOD CONSUMER. IF STEVE REALLY WANTS TO HELP HE WOULD WRITE TO HIS LOCAL SCHOOL SYSTEMS & URGE THEHE CURRICULUM AS I & ALL MY CLIENTS DO.

"BillColl01",

Your jibberish and annoying CAPS LOCKED posts are a verifiable waste of resources on this forum. You are obviously here just to stir things up, with nothing at all of value to offer.

Actually, the majority of the above advice, came directly from a lawyer and the rest came from well known consumer advocates listed elsewhere on this site over the past few years.

The above advice is 100% effective, and valid, and most of all, 100% legal. And, I can spell and use proper grammar too, and even do it without ALL CAPS.

Believe it or not, I have actually helped nemerous people on this site beat lowlife like you. Just read back over the past 2 years in the debt collection posts. The ONLY "people" who have a problem with my posts are debt collectors and wanna be lawyers, as I blow their game out of the water.

An educated consumer / debtor cannot be tricked or taken advantage of. And I know how bad that pisses your little monkey brain off. You have the IQ of a houseplant. Not my fault. Get a real, respectable job and maybe an education so you don't use words like "prolly", etc. You are a moron. Regardless of your jibberish here, I am not going anywhere, and every useless post you make, gets another one from me, and keeps the debt collector bashing at the top of the search results! Although you are obviously not smart enough to figure that one out.

No one is advocating skipping out on legitimately owed debts. What Steve is doing is telling people to use the law to keep debt collectors in line. That's all. A lot of debt collectors use tactics that would make Guido blush with shame.

Billcoll just wants his or her commission. So of course he or she is going to tell you to pay up regardless whether you owe or not.

Don't be intimidated by bill collectors. Go to debtorboards.com and budhibbs.com to find out how to legally deal with these vultures.

STOP TRYING TO PLAY LAWYER & DRIVE YOU R TRUCK OR SELL SOME FURNITURE OR WHATEVER IT IS THAT YOU DO THIS YEAR. I LOVE THAT THIS GUY DIDNT GIVE ENOUGH INFO FOR AN ATTORNEY TO GIVE ADVICE, BUT STEVE HAS ALL THE ANSWERS!! EVERY OTHER STEVE POST IS THE SAME, EITHER A COPY & PASTE ATTACK ON SOMEONE ELSES MATERIAL OR A POST FULL OF DEMAND THIS & DEMAND THAT, THEN PULL A SLIP & FALL LIKE SCAM TO TRY TO GET SOMETHING FOR NOTHING. YOUR BEST BET IS TO GET ALL THE FILING INFO FROM THE COURT. FOR A FEE THEY WILL SUPPLY YOU WITH COPIES. TAKE THAT TO A LOCAL LEGAL ASSISTANCENON PROFIT OR SOME CIVIL ATTORNEYS OFFER A FREE INITIAL CONSULTATION & MAY BE ABALE TO AT LEAST TELL YOU IF ITS POSSIBLE TO GET YOUR MONEY BACK. LISTEN TO STEVE & YOU WILL BE SPINNING YOUR WHEELS & WASTING ENERGY. CHANCES ARE, IF THE SEIZURE WAS UNJUST, YOU WILL HAVE TO FILE A CIVIL SUIT. IF YOU DO, YOU SHOULD ALSO BE ABLE TO GET PUNITIVE DAMAGES DEPENDING ON JURISTITION

Hector,

You have been the victim of a BOTTOMFEEDER who engaged it what was known as SEWER SERVICE. This is where the knowingly serve a very old or totally false address with a summons, knowing you will not respond, as you never got it! Then they move quickly for the default judgement. Think about it, if they knew where you banked, they knew where you lived. Ok, that was the bad news.

Here is the good news. That practice is totally illegal and you have multiple avenues of recourse. Do these things exactly as stated and exactly in this order.

1. Go to your bank in person and demand a copy of whatever documentation authorized the siezure of your funds. This should be a court order. IF they cannot or will not provide you with a copy of such order. Call the police immediately and file a police report for theft.

2. With step#1 done, CLOSE THAT ACCOUNT! It is compromised and your money will never be safe in it again. Open a new accout at a different bank, and DO NOT make a deposit from your old account to the new one. Take out cash, and deposit cash.

3. Go to the court of jurisdiction where you live and see the clerk of court. Ask for copies of every piece of paper filed in your case. This is public record, and they cannot refuse. Although they can charge you a fee for each page copied. You want all filings involved.

This is where you nail both Palisades, and the "lawyer" for fraud, and you can get a criminal conviction on them if you follow through. Do not confuse criminal remedies, and civil remedies. It is a crime to file a false document with the court.

Pay particular attention to the SUMMONS and the PROOF OF SERVICE. If there is any address on there that is not your current address, you have them cold.

4. File a BAR ASSOCIATION complaint on the "lawyer" for the ethics violation, and attach documentaion.

5. Send a request to the DA in the jurisdiction of the lawyer and Palisades for criminal prosecution for financial fraud, and filing falsified court documents.

With this done, sit back and wait.

While waiting, go to FTC.gov and file a separate complaint online against each for the violations, as well as everyone else you can think of.

Follow through! Get justice!

Good luck!

""with the assist of an attorney they have completely wiped out my account""

How did they accomplish this? They would need a court order to tap into any of your bank accounts. And before they could obtain such an enforcement order, they would have to sue you in civil court and win.

Could you provide a bit more information about HOW the monies where taken? Didn't you receive anything from the courts? You should have received SEVERAL documents from the courts before any money was taken from your accounts.