Complaint Review: Palisades - Englewood Cliffs New Jersey

This is a SCAM! Don't be a patsy. Go to the Bud Hibbs website...follow his suggestions as to how to get these bottom-feeders in check. Best advise I have ever gotten! http://budhibbs.com/debtcollectorpages/palisades_collections.htm Best of luck, you deserve it. Consumers should not have to "PAY" for services to monitor their credit reports. You are entitled to 1 free report from the 3 major credit reporting bureaus per year. Knowledge is Power!

ACTUALLY, obtained a parcial SS# (didnt have that one in the onset), a unknowing citizen gave to Palisades Collections, LLC at inital contact as their inquiring about the mailed billings, from this collections agency, that citizen received. Palisades Collections Agent, enters that info into their data base(no where else they could have obtained it) and proceeds to harrass Citizen by mail and IT IS THE WRONG PERSON!! Calls from their Dispute dept, but no one helps. What if it can be proven by document letters from the original deptor that Palisades Collection, LLC has been harranging the WRONG CITIZEN for that dept and that the only way Palisades Collections could have gotten the parcial SS# of this Citizen that they treated unjustly was from her?? Is that Fraud provable?? her being treated and verbally abused by them Told she was lying and this was her debt and she should just pay it Treatened to ruin her credit Keeping her up late at night, as she cant sleep trying to think of a way to help Palisades understand they have the wrong person. So fearful that her credit was going to get damaged Cramping in her stomach from the nightmare and worries from not being able to make them understand. All the hours of sitting on hold, as one Agent passed her to another, each one taking turns answering a second of verbal abuse and placed on hold again. Many days of calling them and just being hold and no one even coming to talk with her. One day they put her on hold for literally hours!! Even after their office surely closed!! She put them on speaker phone so some of her family could see what they do!! Asking for signed documents so she could prove to them it was not her, so they could leave her alone but, only getting one sided copies of billings, and a letters telling her to respond or she would be taken to court within a limited period of time.

""My credit was damaged for 4 years and was denied credit due to Palisdaes ."" Do you have proof that this incorrect debt has been listed for 4years? ""I never took the time to investigate my credit report,..."" That may be unfortunate for you if you're planning to sue. I'll get to that in a minute. ""...I have paid higher interest rates,..."" You will need proof. Copies of loan / credit contracts that prove you're paying "subprime" interest rates. ""... unable to obtain a job as Employers are doing credit checks,..."" You will need documented proof that you were denied a job because of adverse information on your credit report. Do you have it? Any prospective employer who denies you a job based on adverse information in a credit report is required by federal law to notify you in WRITING that you were denied the job because of adverse information on your credit report and that same prospective employer MUST provide you with a copy of the report that contained the adverse information that caused the denial of the job. ""...denied auto loans."" Again, you will need to prove this. Any prospective creditor who denies you credit based on adverse information in a credit report is required by federal law to notify you in WRITING that you were denied the credit because of adverse information on your credit report and that same prospective creditor MUST provide you with a copy of the report that contained the adverse information that caused the denial of the credit. ""I will file suit against Palisades"" I would consult with an attorney before filing suit. The FDCPA imposes a time frame for suing for violations of the FDCPA. It's ONE YEAR from the date of the violation - not the date that you discover the violation. You should start taking advantage of your entitlement of a free annual credit report from each of the 3 CRAs. I would recommend spreading them out between the CRAs by 4 months. That way you get a free report 3 times per year. If you discover disparities or evidence of fraud there are provisions in the Fair Credit Reporting Act that will allow you to obtain additional FREE credit reports while you working to get the inaccuracies corrected. Here's the applicable excerpt from the FDCPA: 813. Civil liability [15 USC 1692k] (a) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of -- (1) any actual damage sustained by such person as a result of such failure; (2) (A) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding $1,000; or (B) in the case of a class action, (i) such amount for each named plaintiff as could be recovered under subparagraph (A), and (ii) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of $500,000 or 1 per centum of the net worth of the debt collector; and (3) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorney's fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorney's fees reasonable in relation to the work expended and costs. (b) In determining the amount of liability in any action under subsection (a), the court shall consider, among other relevant factors -- (1) in any individual action under subsection (a)(2)(A), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, and the extent to which such noncompliance was intentional; or (2) in any class action under subsection (a)(2)(B), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, the resources of the debt collector, the number of persons adversely affected, and the extent to which the debt collector's noncompliance was intentional. (c) A debt collector may not be held liable in any action brought under this title if the debt collector shows by a preponderance of evidence that the violation was not intentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid any such error. (Here's the imposed 1 year limitation) (d) An action to enforce any liability created by this title may be brought in any appropriate United States district court without regard to the amount in controversy, or in any other court of competent jurisdiction, within one year from the date on which the violation occurs. (e) No provision of this section imposing any liability shall apply to any act done or omitted in good faith in conformity with any advisory opinion of the Commission, notwithstanding that after such act or omission has occurred, such opinion is amended, rescinded, or determined by judicial or other authority to be invalid for any reason. By all means go after them if you have a case, but I would recommend against filing a frivolous lawsuit because you could find yourself on the receiving end of a very costly countersuit. I urge to consult with a competant attorney before filing suit. Good luck.